Lambert Roper & Horsfield Limited Accountants Calderdale, Huddersfield
Business Services

Most businesses are very good at providing the products and services that their customers need – but running a business involves much more than that.

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Private Clients

The financial world is a complicated place and there are times when you’ll need some expert help.

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Wealth Management

When it comes to your finances, taking time out to seek expert advice is always a wise investment.

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Specialist Services

We also provide specialist services to a range of other clients.

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Welcome to Lambert Roper & Horsfield Limited Accountants in Calderdale


Updated LRH Response to Coronavirus

At LRH the health and wellbeing of our clients and employees is our number one priority.  That is why, following the government’s advice issued on 16th March in respect of social distancing, we have implemented a policy whereby the majority of employees work remotely.

We will endeavour to continue providing all our clients with full support in what is a challenging time for UK businesses.

In order to achieve this we will require the cooperation of our clients in certain areas.

Telephone and email communications

The plans we have put in place should allow us to divert calls to employees at home and they will have full access to emails.

There may be some instances where routing of phone calls does not go to plan.  If this is the case please be patient with us and if the person you are trying to contact is not available send them an email and they will respond when they are able to do so.

Office Access

The office will still be open during the normal working hours so accounting records and other information can still be posted to us and dropped off where necessary.

If you have any symptoms, have come into contact with an infected person or have been told to self-isolate please do not visit our office.

If you do visit our office we would ask that you remember to follow the guidelines issued by the government including keeping a safe distance, washing your hands and please use the hand sanitiser located on reception.

Client meetings

We usually hold the majority of meetings face to face at our office or at our client’s premises.  Following the government’s advice we will be offering telephone meetings and we are looking into other options.  We will contact you to discuss the best solution if we are due to see you.

Work Timescales

Whilst we hope to work as efficiently as before there may be some logistical issues with the review of work and going forward there may be staff absence due to illness.  Therefore we ask that you are patient with us and that you send us your information in as soon as possible, especially when there are deadlines for submission.

We hope that with your help and with the measures we have implemented we will be able to assist you in the coming weeks and months through this challenge.

The New LRH Client Portal


We are delighted to announce that the LRH client portal (powered by Onvio, a Thomson Reuters company) is now fully operational… Continue reading →

Get in touch!


Telephone: 01422 360788

Email: mail@lrh.co.uk

 

Latest News

Insurance industry to pay out on COVID-19 business interruption claims

More than 370,000 small businesses in England and Wales could be due a payout on their business interruption insurance after the Supreme Court ruled in favour of payments being made on previously refused claims and policies.

A number of insurers have lost an appeal against an earlier ruling, brought in a test case by the Financial Conduct Authority (FCA), which required them to payout on existing business interruption insurance policies as a result of the pandemic.

In the first lockdown of spring 2020, many small businesses made claims through their business interruption insurance schemes for loss of earnings when they had to close as a result of the Government’s restrictions.

However, they were soon told by their insurers that they were not eligible for a payout because only specialist policies had cover for such unprecedented events.

Following an outcry from the small business community, many of whom had paid thousands of pounds for insurance coverage, the FCA launched a test case which looked at a selection of policy wordings to establish the parameters for what would be considered a valid claim.

Last year an initial case at the High Court found that some insurers should have paid out for losses caused by the lockdown. Judges ruled that disease clauses found in many business interruption insurance policies should have meant they were covered and been compensated for the loss of income due to the Coronavirus restrictions.

An appeal was then brought and the test case was fast-tracked to the Supreme Court – the highest court in England and Wales – who conducted a four-day hearing last year, before delivering a final ruling.

This latest ruling provides authoritative guidance for these policies, and similar ones that were not part of the case, which will be used by the FCA, the insurance sector, and the Financial Ombudsman to assess claims and make judgements.

This impacts on all eligible policies held at the time of the first lockdown, whether an initial claim was made and rejected or not.

The ruling covers a wide range of matters including disease clauses, whether businesses were denied access to the properties they owned by restrictions and the timing of lost earnings.

Giving the court’s ruling Lord Hamblen said the court accepted the arguments from representatives of policyholders and dismissed the appeals from insurers finding in policyholders’ favour.

Although the initial case only tested a small number of policies from eight different insurers, the FCA has said that the findings could affect up to 700 different policies held by various insurers and lead to payments for more than 370,000 small businesses that hold policies.

Insurers, such as Hiscox, Arch, Argenta, MS Amlin, QBE and RSA, that were involved in the case will now process claims. However, as many as 60 insurers who sold similar products may now also pay out on eligible policies.

Huw Evans, Director General of the Association of British Insurers, has said that all valid claims will be settled and that the process of settling some claims was already underway.

Most eligible policyholders should be contacted by their insurer following the ruling, but businesses are being encouraged to check whether they can make a claim.

As for new claims relating to the latest lockdowns, the insurance industry has said that most policies for new and renewing customers have already been amended and that losses from the latest lockdown measures would be clearly stated as part of the cover.

If you require assistance with any issues related to the COVID-19 pandemic, please contact us.

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