Gem Blog
Welcome to our Blog. You’ll find some news about Gem, what we’re up to, and some relevant industry news.
Contractual Liability – Just Because It’s in the Contract Doesn’t Mean It’s Covered the Insurance Policy
Contractors often assume that if they have Public Liability insurance in place, they’re covered for what their contract asks them to do. In many cases, that’s true. But contractual liability is often where that assumption starts to break down. A contractor can have...
Is AI Going to Replace Underwriting?
By Glenn Marshall I’ve been thinking about this for a while now, and the more I hear and learn about AI, the more I think we need to stop kidding ourselves and have a proper conversation about what it really means for our market. There’s a lot of chat about AI at the...
Premises Exclusions: Why Liability Cover Can Fail Before a Claim Is Even Made
In liability insurance, exclusions are often viewed as technical constraints - clauses designed to limit exposure at the margins of risk. Premises exclusions are different. When they are misunderstood or misaligned with the insured’s real-world operations, they don’t...
Premises Exclusions & Why Liability Cover Can Fail Before a Claim Is Even Made
In liability insurance, exclusions are often viewed as technical constraints - clauses designed to limit exposure at the margins of risk. Premises exclusions are different. When they are misunderstood or misaligned with the insured’s real-world operations, they don’t...
Lifting Operations: The Hidden Liability Exposure on Almost Every Construction Site
Lifting operations are a routine operation on most construction sites at some point, and that is precisely why they remain one of the sector’s most underestimated risks. When lifts fail, the consequences are rarely minor. Falls from height, trapped loads, dropped...
Minimum and Deposit Premiums – Getting It Right Matters
In a market where wages, turnover, and costs are all on the rise, Minimum and Deposit (M&D) premiums have become one of the most important and most misunderstood parts of the underwriting process. Handled well, M&Ds protect everyone involved. Handled and...
Why Claims Management Matters – And Why Gem Does It Differently
In our last article, we made the case that prevention matters - risk management is at the heart of responsible underwriting. However, we also recognise that even with the best risk controls in place, accidents will still occur. And when they do, they’re the moment of...
We Won’t Apologise for Making Risk Management a Priority
At Gem Underwriting, we make no apologies for putting risk management front and centre. Insurance isn’t only about responding to claims; it’s also about helping businesses avoid them in the first place. The consequences of poor risk management go far beyond the cost...
Bona Fide Subcontractors: Are You Sure They’re Covered?
In the construction world, subcontractors are part of everyday life. But when it comes to liability insurance, the difference between a Bona Fide Subcontractor (BFSC) and a Labour-Only Subcontractor (LOSC) can have a huge impact if a claim arises. Get it wrong, and...
Roofing Risks – Getting Liability Right
Flat, pitched, thatched…or asbestos? When it comes to placing liability insurance for roofing contractors, not all risks are created equal. Working on roofs is a hazardous activity because it involves working at height. According to the HSE, roof work accounts for a...
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