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Explaining how public liability cover works.
Insurance

Public Liability and What Triggers It

Gerald Ntumba-WhitlockUpdated on September 28, 2026September 28, 202612 min read

I remember standing in a half-finished showroom back in ’94, the smell of sawdust thick in the air and the …

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Protecting your small business with insurance wording.
Insurance

Stop Buying Premiums and Start Reading the Fine Print: What the Wording Actually Says About Protecting Your Small Business With Insurance.

Gerald Ntumba-WhitlockUpdated on September 29, 2026September 22, 20267 min read

I remember standing in a workshop last autumn, the air thick with the smell of scorched electrical components and damp …

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Understanding how auto insurance claims work.
Insurance

The Gap Between What You Think Happens and How Auto Insurance Claims Work Is Where Your Payout Disappears.

Gerald Ntumba-WhitlockUpdated on October 3, 2026September 19, 20267 min read

I remember standing on a rain-slicked shoulder in November, looking at a crumpled fender and a driver who was convinced …

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How to choose life insurance policies wisely.
Insurance

Stop Buying on Price: the Brutal Truth About How to Choose Life Insurance Policies Before the Fine Print Costs Your Family Everything.

Gerald Ntumba-WhitlockUpdated on September 25, 2026September 18, 20267 min read

I remember sitting in a cramped, dimly lit living room ten years ago, looking at a widow who had spent …

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Understanding the basics of homeowner insurance coverage.
Insurance

Stop Buying on Price and Reading After the Disaster: What the Fine Print Actually Means Regarding the Basics of Homeowner Insurance Coverage.

Gerald Ntumba-WhitlockUpdated on September 18, 2026September 18, 20267 min read

I remember standing in a flooded basement in Surrey back in ’98, the smell of damp plaster and ruined carpet …

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Understanding different types of renters insurance.
Insurance

Stop Buying Coverage Based on the Monthly Premium and Start Understanding Different Types of Renters Insurance Before the Fine Print Decides Your Fate.

Gerald Ntumba-WhitlockUpdated on September 18, 2026September 18, 20267 min read

I once stood in a studio apartment in South London, the air thick with the smell of charred polyester and …

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Understanding how indemnity periods are chosen.
Insurance

Twelve Months Is Usually Too Short

Gerald Ntumba-WhitlockUpdated on September 18, 2026September 18, 202611 min read

I remember standing in a half-collapsed commercial warehouse back in ’98, the smell of damp drywall and scorched wiring thick …

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Understanding how business interruption cover works.
Insurance

Business Interruption Is Not Simple Cover

Gerald Ntumba-WhitlockUpdated on September 14, 2026September 14, 202611 min read

I remember standing in the middle of a warehouse in Leeds back in ’94, the smell of scorched electrical components …

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How inflation affects insurance claims costs.
Insurance

Claims Inflation Runs Ahead of Headline Inflation

Gerald Ntumba-WhitlockUpdated on September 4, 2026September 4, 202611 min read

I remember standing in a flooded semi-detached in Surrey back in ’08, looking at a homeowner who was absolutely certain …

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Diagram explaining how index linking works.
Insurance

Index Linking Does Not Keep Up in a Spike

Gerald Ntumba-WhitlockUpdated on August 31, 2026August 31, 202611 min read

I remember standing in the middle of a partially collapsed bungalow in Surrey back in ’98, the smell of damp …

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