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  • Correctly identifying sub-contractors within your business can be complex, but because there are different risks of both labour-only and bona-fide subcontractors, it is vital to get it right. Knowledge of these two classifications and their differences can benefit you and help to protect you from costly
  • Standard insurance premium tax (IPT) rate will increase from 10% to 12% In his Autumn Statement the UK Chancellor Philip Hammond announced that the IPT rate will increase from from 10% to 12% on 1 June 2017. This increase means the UK’s IPT rate will have doubled since summer 2015, and will be the
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  • “With Kruskal you get a personal service. I love the fact that I can pick up the phone and talk directly to my broker and things happen straight away.” Susan
  • “Kruskal Insurance Brokers are my ‘one stop shop’ for all our insurances. I insure everything from my home through to my business through Kruskal Insurance. If there is ever an issue or I just need a quote they get back to me straight away each time. Anyone considering using Kruskals will not be disappointed. Their service is professional and personal and they offer great value.” David
  • “Yitz went beyond the call of duty to assist us out of business hours after we had a burglary. He put my mind at rest and my claim was then processed in a friendly and efficient manner. I would not hesitate to recommend him to my colleagues or clients.” Debra
  • “We have used Kruskal Insurance for the last 7 years for all our business and home insurance requirements. We have had excellent service and when it counts most, at claim time the services was equally good.” Paul