Gem Blog
Welcome to our Blog. You’ll find some news about Gem, what we’re up to, and some relevant industry news.
Claims Made vs Losses Occurring – What Every Broker Should Know About Latent Risks
When it comes to placing liability insurance, understanding the claims trigger is just as crucial as the limit and the premium, especially in sectors where the risks don’t always present themselves straight away. We’ve all heard the stories: A secondary individual...
Are You Protecting Your Clients from the Hidden Risks of Long-Tail Liability?
A Broker’s Guide to Identifying, Placing, and Managing Long-Latency Exposures in Liability Insurance Why Long-Tail Liabilities Matter for Brokers and Clients In liability insurance, brokers often focus on the immediate risks, such as accidents, property damage, slips,...
High-Risk, High-Trust – What Brokers Tell Us About Placing Difficult Trades
We know not every broker wants a lengthy back-and-forth about risk. In a fast-moving market, speed often wins, and that can mean placing business with insurers who don’t ask too many questions upfront. But here’s the rub: When the cover is too easy to place, it’s...
Demolition Contractors: Are You Sure They’re Covered for What Comes Down?
Demolition may be the beginning of a construction project, but for insurers, it’s often where the most significant risks start. From tower blocks to terraced houses, controlled dismantling to emergency knockdowns - this is not a trade for the faint-hearted. At Gem...
Podcast: People in Insurance: Changing the Conversation
From Sweet Shops to Underwriting: Glenn Marshall on Building a Business That Sticks to What It Knows Glenn doesn’t love the limelight. So, when he agreed to record a podcast sharing his story, it was never going to be flashy. Just honest, grounded, and full of...
Asbestos. Why Liability Insurance Has Never Been More Critical
For many, the word conjures up images of a bygone industrial era. However, while its use was banned in the UK more than two decades ago, the impact of asbestos is far from a thing of the past. The reality is that asbestos still exists in over 1.5 million UK buildings,...
Silica Dust: The Hidden Risk Every Broker Should Have on Their Radar
Silica dust is rapidly becoming one of the construction sector's most pressing health and liability risks - yet many businesses remain dangerously underprepared. In March 2025, the Health and Safety Executive (HSE) refreshed its guidance on health surveillance for...
Gem partners with ParaCode for advanced policy management system
We are thrilled to announce that we have embarked on an exciting journey as we prepare to launch GEM Underwriting in a fully compliant state with the assistance of our Insurance software providers, ParaCode. Throughout our onboarding process with ParaCode, we have...
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