Introduction: When a Coffee Spill Cost €18,000 – Why Your Business Is Riskier Than You Think Last February, a simple coffee spill in a Dublin café led to a customer’s laptop damage, then a slipped disc claim when they fell avoiding the spill. The total bill? €18,372. Like 62% of Irish small businesses (2025 ISME survey), the … Read more
Introduction: When a Stolen Laptop Cost Me $12,000 – Why I’ll Never Work Uninsured Again When Chicago-based photographer Mia arrived at her coffee shop “office” last month, she discovered her 3,200laptop—containing3,200laptop—containing8,800 worth of client projects—had been stolen. Like 43% of American freelancers (2025 Upwork study), she had no insurance to cover the loss. That 12,000disastercouldhavebeenpreventedwitha12,000disastercouldhavebeenpreventedwitha35/month policy. Here’s what most … Read more
Introduction: Why My Tesla’s Insurance Cost More Than Its Charging – Until I Discovered These Secrets When London teacher Emma switched to an electric vehicle last year, she was shocked to find her insurance quote was £1,200 higher than her old petrol car. Like 43% of new EV owners (2025 Zap-Map survey), she nearly reconsidered her eco-friendly choice—until she … Read more
Introduction: When a Ski Accident Cost Us €28,000 – Why Travel Insurance Isn’t Optional Last winter, Munich accountant Daniel Bauer learned the hard way that his German health insurance stopped at the Austrian border. His son’s ski injury in Innsbruck resulted in a shocking €28,000 medical bill—until they remembered they’d purchased international travel insurance for just €38. … Read more
Introduction: When a Tenant’s Party Cost Me $34,000 – Why Specialised Coverage Matters Last summer, Sydney landlord Mark Thompson received the call every property owner dreads – his Bondi rental property had been severely damaged during an unauthorized party. The final repair bill? A staggering $34,000. Like 43% of Australian landlords (2025 REIA survey), Mark had made … Read more