Some 14 new countries and territories are to be added to the green watch list, the Government confirmed on June 24.

However, with the exception of Malta, all of these locations will be placed on the green watch list, meaning that they are “most at risk” of becoming amber.

The destinations that will move over from the amber list, effective 4am on June 30, are: Malta; Anguilla; Antigua and; Barbuda; Balearic Islands; Barbados; Bermuda; British Antarctic territory; British Virgin Islands; Cayman Islands; Dominica; Grenada; Madeira; Montserrat; Pitcairn Islands; Turks and Caicos.

Israel will also be placed the on the green watch list.

Prime Minister Boris Johnson has said that double vaccinations offer a “real opportunity” to open up travel.

Boris Johnson gave his approval to plans that will allow any fully vaccinated adult to travel to countries on the amber list without having to self-isolate when they return to the UK. The plans might be implemented as early as August. MPs and tourism industry leaders are pushing for it to be introduced on July 19, the proposed freedom day for removing domestic limitations.

Meanwhile, six countries will move to the red list. They include: Uganda; Tunisia; Eritrea; Haiti; Dominican Republic; Mongolia. Anyone returning from these destinations is required to quarantine in a Government-approved hotel for 10 days at a cost of up to £1,750 per person.

Portugal was the first destination to move from green to amber, following the initial review of the green list on June 3.

While it is legal for Britons to travel abroad, many restrictions stand in their way under England’s traffic light system; and only those returning from the 25 green-listed destinations can avoid quarantine.

Have domestic holidays resumed?

Yes. The Prime Minister enacted stage three of his ‘roadmap’ out of lockdown for England on May 17. That means six people or two households can mix inside, pubs and restaurants can offer indoor dining, and overnight stays at hotels, B&Bs and hostels are allowed. Self-catering accommodation (including camping and glamping) has been allowed to open since April.

Holidays are now permitted in Wales and Scotland, too, under the same rules, and cross-border travel is allowed (with the exception of movement into and out of Glasgow).

Have overseas holidays resumed?

Yes, foreign holidays resumed on May 17, ending the March 22 national travel ban. On Thursday, June 24, the latest green list of countries from which holidaymakers can return to England without being quarantined was published, with the changes taking effect on June 30.

The rules for entering each of the “green” destinations vary, with many of them currently closed to Britons and/or not typical holiday destinations. this list includes:  Iceland, Gibraltar, Australia, New Zealand, Singapore, Faroe Islands, Falkland Islands, South Georgia and the South Sandwich Islands, Saint Helena, Ascension & Tristan da Cunha and Israel, with these destinations going green from June 30: Malta; Anguilla; Antigua and; Barbuda; Balearic Islands; Barbados; British Antarctic territory; British Virgin Islands; Cayman Islands; Dominica; Grenada; Madeira; Montserrat; Pitcairn Islands; Turks and Caicos.

Do I need to take a test before travelling back to England?

Yes. You must take a test 72 hours before departure. If you fail to do so, you will be denied boarding, or risk a fine of up to £500 on arrival back in the UK. You can find the Government’s rules on tests before departure, here.

Want to book?

If you are still itching to book for a future date, it might be worth working through the check list below

1. Can you secure the holiday with a low, or even a zero, deposit? If so, double-check the booking conditions: the small print for some arrangements may only require a small amount upfront but still commits you to higher cancellation charges if you decide not to go ahead.

2. What is the company’s cancellation policy? Many airlines and operators are now offering much more flexible booking conditions and free postponements. BA, for example, is allowing new bookers to change dates and destination without incurring a fee, although you will need to pay any difference in price. This applies to journeys that are due to have been completed by Aug 31, 2021.

3. Will your money be financially secure? Very few travel companies are on a strong financial footing and some might not make it into next summer. So make sure you book with an Atol-protected tour operator or agent. If booking directly with an airline, make sure your travel insurance includes cover for financial failure, or pay with a credit card – ensuring a refund if the carrier collapses. If you book directly with a company based abroad, it may be very hard to get a refund if it goes out of business or your holiday is cancelled.

If you require or wish to discuss your travel insurance contact Thornhill Insurance Brokers on 01924 499182 and ask to speak to our personal lines who will be happy to help.

credit:https://www.telegraph.co.uk/travel/advice/where-go-holiday-summer-2021-when-latest-advice-abroad-review/

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Whilst attention has been drawn to packaging and plastic pollution exponentially over the past year, there is still so much more that can be done. We take a look at how manufacturers and suppliers are reducing or amending the packaging for their products in order to respond to public demand, whilst doing their part to protect the environment.

Getting it Just Right

Just Water has released a water bottle which is contained in a paper-based bottle with a plant-based cap created from sugarcane. Their bottle is 100% recyclable whilst retaining the quality and purity of the water inside. Whilst plastic water bottles are considered recyclable, it’s thought that only 1% of plastic is recycled more than once and most ends up as waste.  Just Water has also found shipping their product to be more efficient as they can pack them into large rolls, meaning one truck can transport 1.5 million bottles, in comparison to the 13 trucks required for plastic bottles.

The plastic pledge

Major supermarket retailer, Iceland, has pledged to become plastic free by 2023 and has already started to make changes. They’ve amended their ready meal street food ranges to be sold in paper-based trays, saving 850 tonnes of non-recyclable black plastic to date.  It’s evident that if such major results can be produced from making changes to one range in one supermarket – if everyone gets on board – this could make a major positive impact on our plastic footprint.

A golden promise 

McDonalds is also concerned with reducing their own unnecessary packaging with a similar pledge. They’ve stated that by 2025, ‘100% of all guest packaging will come from renewable, recycled or certified sources and [their] goal is to recycle guest packaging at all restaurants.’

Causing a ripple effect?
Adidas is working with ocean-activists, Parley, in order to repurpose ocean plastic into high-performance footwear. Their aim is to clean up the ocean from non-degradable plastics such as microbeads, plastic bags and other plastic waste. The shoes are created from upcycled plastic waste from beaches and plastic which is intercepted before it reaches the ocean in coastal communities.

Packing a purpose 

Six-pack beer plastic packaging has been responsible for the death of 1,000,000 seabirds and 100,000 marine mammals per year since 1987.  Now, Saltwater Brewery has decided to make the once dreaded six-pack packaging a friend to the ocean, rather than a foe. To do this they have implemented a marine-friendly edible six-pack ring to package their beers. This can safely be consumed by all marine life and dissolves completely within 2 hours of being in the water.

If you work in the manufacturing or supply industry, you might be starting to think about how you can reduce or amend your own packaging. Whether this is by using 100% recyclable materials, reducing the amount of packaging you use or something else, the changes you make could have a major bearing on your business and reputation. If you want to discuss your ideas and the impact this will have on your insurance policy, contact one of our friendly team at Thornhill Insurance Brokers on 01924 499182 and we will be happy to talk you through your options.

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Insuring your UK Holiday Home is different to your Standard Home insurance because of the way it will be used. You won’t live at your UK Holiday home full-time, and you might want to rent it out to paying guests.

If you own a UK holiday home, it is likely that it will be left unoccupied for more than 30 consecutive days which means the risk of damage or theft is higher than normal and if you rent it out to paying guest there is a higher risk of injury and further property damage.

Our Holiday Home Insurance policy will give you peace of mind that your home away from home is protected whether it’s let to family, friends, short-term paying guests or if it is unoccupied.

Your property is suitable if:

• It is let to paying guest on short term basis as a holiday accommodation
• It is used as a holiday home by you or your family & friends
• It is located within the UK

Your property is NOT suitable if:

• It is permanently unoccupied
• It is used for business (other than holiday letting)
• You are renting it out on a long-term basis
• It is being renovated
• It is your main residence

What is covered with our holiday home insurance?

• Buildings
• Contents
• Cover for UK holiday homes that are left empty for more than 30 consecutive days
• Cover for guests (whether they are paying guest, family or friends)
• Public Liability Cover
• Legal Expenses Cover

Get your peace of mind today with our specialist holiday home insurance policy!

The post How is holiday home insurance different from permanent home insurance? appeared first on Thornhill Insurance.

As a landlord, you may well be used to dealing with tricky tenants who are consistently late with payments but what do you do when a once-reliable tenant experiences unexpected financial difficulty? As changes have come into place in order to tackle the coronavirus pandemic, many workers have lost their jobs or have been furloughed with 80% of their income paid by the Government. For those already living on tight budgets, this is likely to have already had a major impact on their ability to meet their financial commitments.

Applying for a mortgage repayment holiday
If you rely on your tenant’s rent to keep up with your own mortgage repayments, you may need to put a hold on your own commitments if they’re unable to pay you. To discuss your options, you will need to contact your mortgage lender directly; many are now offering online applications.

Ban on tenant evictions
On the 27^th March 2020, the Government introduced a complete ban on evictions as well as additional protection for renters to stop landlords evicting tenants who are unable to keep up with the rent payments – this has initially been put into place for 90 days. During this time tenants will still be liable to pay their rent, but landlords have been asked to work with their tenant to come up with a reasonable solution. Ultimately, renters are being told to stay inside their homes even if they cannot meet repayments.

The Government has asked landlords “to show compassion and to allow tenants who are affected by this to remain in their homes wherever possible.”

While this is a positive step for many renters, giving them the much-needed reassurance that they will still have a roof over their head should the worst happen, it does potentially pose an issue for landlords with problem tenants.

Proactive vs reactive
As both homeowners and landlords alike are offered a 3-month payment holiday to help those struggling to meet repayments, some landlords are considering whether to offer the same favour to tenants. Whether this should come in the form of a payment holiday or a temporary rent reduction will need to be determined by the past history of the tenant, your own financial situation and how keen you are to keep the tenant on-side going forward. Consider what is realistic for the sake of keeping good tenants and avoiding an unoccupied property in the future.

If you’re proactive about opening up the conversation with your tenant(s), this will give you an early indication of where they’re at and whether they may need support further down the line. It may also help to build upon your tenant-landlord relationship as it shows that you’re actively trying to help them without waiting for them to ask. With that being said, many landlords conducting a reactive approach and treating each tenant on a case by case basis will find this approach just as effective, without opening up the floor for people to take advantage.

If you know that your tenant is working from home and is still on full pay, but they ask for a payment holiday nonetheless, open up with the conversation but reserve the right to refuse their request. You are not obliged to agree to a payment holiday simply because there is a pandemic if your tenant remains financially unaffected.

Assessing tenant affordability
David Cox, chief executive of ARLA Propertymark, suggests that in order to understand whether a rent reduction is necessary, landlords should retake the initial affordability check on the tenants’ finances.

‘It’s important to understand what tenants could afford on any reduced or furloughed income,’ he explains.

‘It would also need to be made clear whether this is a temporary rent reduction or a deferral.

‘If it’s a deferral, a payment plan will need to be set up to ensure the tenant clears the rent arrears that are accrued during this period.

‘Additionally, landlords and agents will need to be clear about whether they will implement the interest clauses that exist for rent arrears on most tenancy agreements.’

Navigating exceptional circumstances
While in most usual circumstances, allowing for a payment reduction could be in breach of your contract, in these unprecedented circumstances, it’s very unlikely that your mortgage lenders will dispute this. Once you have come to an agreement with your tenant, you just need to get a letter in writing confirming the dates and rental amount you have agreed – this should be signed digitally by both parties. Ensure to make your lenders aware of what you have agreed.

Will my insurance be affected?
If you’re concerned about how any changes will affect your Property Owners Insurance policy, or you want to know exactly what you’re covered for in terms of Loss of Rent and more, just give Thornhill Insurance a call on 01924 499182. We’ll talk you through anything you need to know.

The post Landlords: Do you know how to deal with struggling tenants? appeared first on Thornhill Insurance.

Getting the most from your Insurance Renewal?

Over the past couple of years we have been seeing increasing insurance premiums, add to that the  impact of COVID this last year we are now seeing what is known as a hardening insurance market.  Whilst the current situation is challenging, there are several factors that working with an insurance broker for your renewal will ensure you receive the best possible insurance renewal terms. It shouldn’t always be about the price you are paying but the standard of service and attention to detail you receive.

Loyalty – Working with a broker who is keen to pick up business and ensures all insurance needs are covered correctly. As a broker, as much as we like to obtain new business, we also love seeing the same clients come back to us with all different types of insurance. To us is really is about the relationship we have with our clients.

Time Management – Work with a broker who is prepared to offer their best turn-around time, who will assure you are never left without cover. In a hardening insurance market, we are seeing timescales being pushed by the insurance companies, meaning this can have an impact on how quickly we can deliver quotations. Whilst some of this maybe out of our control, what we do ensure is that we always keep you up to date so you know exactly where you stand and we are always on the phone to underwriters to get things turned around as quickly as possible. We answer our phones within 3 rings and you always speak to a real person.

Build a good relationship – Have a good connection with your broker allowing them to be able to fully understand your needs and offer the most effective insurance, at a competitive premium. Working with your broker at renewal will ensure all details and any complications can be sorted with ease.

Start your insurance early – As a broker, we recommend providing us with necessary information 4/5 weeks prior to renewal. Insurance policies are being referred more often now due to more advanced policies; this can mean more time is needed to review your details. The earlier we can start this process the easier it is to work with the insurance companies to receive the best renewal quote possible for you. Our renewals department will always call our clients in advance of starting to process your renewal so we can discuss any changes that maybe required to your policy.

Knowledgeable Broker – A broker will have access to a wide range of different insurers, all coming in at different minimum premiums. We will never base your renewal on the cheapest premium but the most accurate and fitting insurance. Placing your insurance through a broker means your broker will always be able to advise you of the different insurers making sure you have the right policy for your needs. We do the leg work for you!

Flexibility – The markets are continuously changing, as a broker we are always using various insurers to find the most effective insurance. However, some of these may require more information than others, meaning we may have to come back to you asking for additional details. If you’re willing to take more time to provide the information on the occasions it is needed, we are more likely to be able to source more than one quotation, giving you more choice.

The post Getting the most from your Insurance Renewal? appeared first on Thornhill Insurance.

Fleet Insurance is an Insurance Policy that covers multiple vehicles at once.

• Businesses – If you are a business owner you may own various types of vehicles for work and pleasure purposes.
• Family – Fleet insurance is not just for business owners, if your household owns more than 2 vehicles you may qualify for our family fleet insurance policy.

Fleet insurance is designed to be efficient and easier to manage, compared to numerous different insurance policies for individual vehicles.

What cover is available?

• Comprehensive – Covering damage caused to your own or third-party vehicles and property because of an accident, be it fault or non-fault.
• Third Party Fire & Theft – Covering all third-party vehicles and property against damage and covering your own vehicles against damage from fire and theft only.
• Third Party Only – Covering damage to all third-party vehicles and property but giving no protection for your own vehicles.
• Windscreen Cover – Covering both windscreen replacements and repairable chips.
• Foreign Use – Covering your vehicles whilst driving on the continent.
• Flexible Payment Options – We can offer numerous split payment options including direct debit or payment directly to our office.

What types of vehicles can you Insure?

• Cars
• Vans
• HGV & Trucks
• Agricultural Vehicles

Simple Actions To Help Reduce Your Premium

• Go for smaller vehicles – the smaller the vehicle and engine size will result in

reduced premiums.

• Store your vehicles safely – Keep vehicles in a secure locked garage/compound or off the road.
• Insure drivers with good records – The older and more experienced the driver the lower the premium, drivers over the age of 25 are cheaper to insure.
• Limit the vehicle use – i.e. no hazardous or toxic materials.
• Voluntary Excess – Increasing the voluntary excess can reduce your premium.
• Use Electric or Hybrid Vehicles – These vehicles can sometimes reduce the premium because they’re more environmentally friendly.

The post What Is Fleet Insurance & How Does It Work? appeared first on Thornhill Insurance.

However, even if travel is possible, residents of Wales are being advised to go abroad only for “essential” reasons in 2021. Northern Ireland is yet to announce a relaxation of international travel rules.

A traffic light system will divide destinations into three categories – green, amber and red.

Visiting green countries involves the fewest rules and there’s no quarantine when travellers return. The ranking of countries depends partly on the number of Covid-19 cases and the success of their vaccine rollout.

Green List

Which countries are holidaymakers allowed to visit without quarantining?

The 12 countries and territories on the green list are:

• Portugal
• Israel
• Singapore
• Australia
• New Zealand
• Brunei
• Iceland
• Gibraltar
• Falkland Islands
• Faroe Islands
• South Georgia and the Sandwich Islands
• St Helena, Tristan de Cunha and Ascension Island

The list will be reviewed every three weeks. Countries can be added or removed at short notice.

Not all green list destinations are open for tourism and the government says it is travellers’ responsibility to check.

Portugal announced on Friday that UK tourists will be allowed from 17^th May (today).

Amber List

The government says that people should not travel to amber countries, but from 17^th May (today) it will no longer be illegal.

EasyJet and Tui have also said they will be offering holidays to some amber countries.

Before you travel back to England you must:

• Take a Covid-19 test
• Book and pay for a day Covid-19 test for day two and day eight of your return
• Complete a passenger locator form

On arrival in England you must quarantine at home or in the place you are staying for 10 days.

You must follow these rules even if you have been vaccinated.

It may be possible to end quarantine early if you pay for a private Covid test through the test to release scheme.

There are similar rules for Scotland, Wales and Northern Ireland.

Red List

You should not be travelling to red list countries, the government says.

Dozens of countries are now on the red list, including India, Pakistan, Turkey, Brazil and South Africa.

If you have been in one in the last 10 days, you can only enter the UK if you are a UK or Irish national, or UK resident.

Before arriving in England travellers must:

• take a Covid-19 test
• book and pay for a day Covid-19 test for day two and day eight of your return
• complete a passenger locator form

Upon arrival in England you must self-isolate for 10 full days in a quarantine hotel. You will need to agree to book and pay in advance:

• 10-day (11-night) rate for one adult in one room is £1,750
• Additional rate per adult (or child over 11) is £650
• Children aged five to 11 are charged £325
• You can be fined £10,000 or jailed for providing inaccurate details.

There are similar rules for Scotland, Wales and Northern Ireland.

Traffic Light System for Arrivals

What about getting a holiday refund if the situation changes?

Government advice is not to book a holiday which does not include a refund, if the Covid situation changes in a particular country.

You are entitled to a full refund if official advice from the Foreign Office changes to say travel to a particular country is not advised.

What have other countries said about holidays?

• The European Commission has recommended allowing travel for anyone who has received the last dose of an EU-approved vaccine at least two weeks beforehand. Vaccines used in the UK would qualify
• Greece’s tourism minister has said some Greek islands should be on England and Scotland’s green list
• Spain hopes to open up from June
• France says tourists with a French Covid-19 “health pass” (TousAntiCovid) will be allowed from 9 June

How can travellers prove they’ve been vaccinated?

If needed, people travelling from England who have both Covid jabs will be able to demonstrate their vaccination status via the NHS app.

A letter can also be requested.

Have you booked your holiday? Don’t forget your Travel Insurance! Call us on 01924 499182 for a quote tailored to your needs!

Credit: https://www.bbc.co.uk/news/explainers-52544307

The post Can I Travel Abroad? appeared first on Thornhill Insurance.

However, anyone planning to visit a Scottish island is encouraged to take two lateral flow tests beforehand.

Travel in and out of Northern Ireland is currently limited to essential reasons. If you do travel there, and plan to remain for at least 24 hours, you are advised to self-isolate for 10 days.

UK Government Common Travel Area travel advice

Can I stay in a holiday home or hotel?

The rules vary around the UK.

In England:

• All self-contained accommodation – including holiday homes, caravans and boats – can open
• It must only be used by a single household or bubble

From 17 May:

• Hotels, hostels and B&Bs can reopen
• Six people from multiple households, or any number from two households, can stay together

In Wales:

• Self-contained holiday accommodation can open, for use by a single household or support bubble
• Hotels, B&Bs and hostels can open if they have en-suites and provide room service
• Campsites can open, but must keep shared facilities and communal areas closed

The Welsh Government will consider allowing remaining accommodation to reopen ahead of the bank holiday on 31 May.

In Scotland:

All of Scotland is currently in Covid protection level three.

• Hotels, B&Bs, self-catering, caravan and camping sites can open
• Different households must not share holiday accommodation

It is hoped the country will move to Covid protection level two on 17 May. If so:

• Four people from two households will be allowed to holiday in self-catering accommodation
• You still won’t be able to share a hotel room with someone you don’t live with

In Northern Ireland:

• Hotels, guesthouses, B&Bs, hostels, caravan sites and self-catering accommodation can open for Northern Ireland residents
• Different households must not share holiday accommodation
• People from outside Northern Ireland should not travel there for a holiday

Can I stay in someone else’s home?

In Wales, people can form extended households once again, allowing two households to stay together overnight

In England, staying overnight at someone else’s home will be allowed from 17 May.

The same is expected in Scotland, but the move is yet to be confirmed.

In Northern Ireland, it’s hoped households will be able to mix in private homes from 24 May.

Have you booked a UK staycation? Get your enhanced COVID19 Travel Insurance today!

Credit: https://www.bbc.co.uk/news/explainers-52646738

The post Planning a Staycation? Here’s what you should know! appeared first on Thornhill Insurance.

Due to capex or ‘capital expenditure’ constraints and the rising costs of mainstream energy options, many companies will find it difficult to make major changes to their operations in time for the 2050 deadline. However, a recent report by Aggreko found that a decentralised energy solution might just be the answer.

The cost of energy
Aggreko’s report found that there has been a 37% rise in the cost of energy for manufacturers in the past 5 years. From their survey sample, 26% of those asked said that up to 20% of their costs were energy consumption. Over half believed that the cost of energy was impacting competitiveness in their industries.

What is decentralised energy?
This term refers to energy which is not generated on the main grid including wind power, solar, geothermal and biomass energy. This type of energy can serve to cut both carbon and costs, providing manufacturing businesses with an affordable solution to the government pledge.

While many of those surveyed could see a problem with their current energy solution, they were reluctant to initiate the change to decentralised energy due to factors such as cost and lack of technical resource. This was despite being mindful of the benefits of lower overall energy costs, security and sustainability.

Solar energy
Toward the end of 2016, solar energy became the cheapest source of energy in the world. While there have been concerns about the supply lasting during the night and periods of bad weather has been found in the past, this source of energy is becoming increasingly efficient for powering largescale commercial factories.

Capex constraints
Unfortunately, 38% of those surveyed – including manufacturing industries – reported that they had a request for investment into decentralised energy turned down due to capex restrictions. Aggreko suggest that those who have previously been turned down could look into long-term hire solutions to avoid capex constraints; a concept which has been traditionally rejected in the UK industrial landscape. They suggest this could help to bridge the gap in enabling businesses to access new technology, lower their costs and achieve greater energy security.

Are you a manufacturing firm looking to go green? The right insurance can support your journey, from environmental liability issues, stock, machinery and more. Get in touch with our team on 01924 499182 to find out more.

The post Find out how the manufacturing industry could go green by 2050 appeared first on Thornhill Insurance.

There’s been a lot to think about and adjust to over the COVID-19 pandemic and if you’re moving home, it can be easy to overlook the finer details. However, there are some things that you absolutely need to get right first time around.

If you’ve ever insured a property, you’ll know that arranging buildings insurance is based not just on your property’s ‘market value’ – the amount it would sell for today – but also its ‘rebuild costs’.

This refers to the amount of money it would cost to rebuild or reinstate your property from scratch, if it was completely destroyed by an insured peril.

Your insurer will only pay out the amount you have insured the building for – so if you wrongly estimate the sums insured, and your property needs extensive rebuild work, you would not receive a big enough payout. Smaller claims will also be reduced by the percentage your building is deemed underinsured by.

Whether you’re a homeowner or a landlord with commercial and/or residential properties, it’s important to get the calculations right. Here are some top tips for getting your rebuild value sums correct:

Consider all the variables
It’s not just the size of your building which dictates its rebuild cost. Though this will impact the amount of materials used, you also need to consider what they are – is it constructed from any specific or unusual materials? Also consider the building’s style, quality and location. Don’t forget to include the cost of labour, which will depend on the size of the project and how long it would take to rebuild from scratch.

Building regulations
Changes in UK building regulations and stricter environmental laws may well mean your buildings would cost more to rebuild today than when you first insured them. Other geographical factors also make a difference – rebuilding costs will differ in the north from in the south, for example.

Special requirements
Listed buildings, landmark buildings and those otherwise ‘outside the norm’ would need the attention of specialist construction workers and therefore need to be assessed on-site by experienced valuers.

Get expert advice
No matter the type of building you own or what it’s used for, an assessment by a professional surveyor is the most accurate way to arrive at a sums insured. This gives you the peace of mind that your insurance would provide the total rebuild cost if it was ever necessary. You should also revalue your buildings at regular intervals.

Your broker will be able to put you in touch with a Chartered Surveyor, and will give further advice on arranging accurate Buildings Insurance. Get in touch with our experienced team to find out more.

The post How much would it cost to rebuild your property? appeared first on Thornhill Insurance.