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You are here: Home » About Lambert Roper & Horsfield Limited » Testimonials » Garry and Bronwyn Todd

Garry and Bronwyn Todd


Building a business brings its share of challenges but can also be hugely rewarding, as Garry and Bronwyn Todd can testify. Since they set up Huddersfield-based electrical contractors JGT Electrical Limited in 1994, after Garry had been made redundant from his previous post, the business has gone from strength to strength.

With Garry’s 45-plus years of experience in the sector and Bronwyn taking control of the financial side, after she quit her own job as a lecturer in hairdressing, the company has since grown to a workforce of 20, working for big name clients including McVitie’s, Huddersfield Royal Infirmary and West Co.

While the business has been a key focus, the couple have also been careful to think about ensuring a secure financial future, by making private pension arrangements when they set up JGT to complement their occupational pensions.

The couple originally had another accountant when they set up the business but after a few years wanted to work with a firm that offered a greater range of services to suit the needs of their growing company.

They moved to Lambert Roper & Horsfield, which initially managed their pension scheme until its sister company LRH Wealth Management subsequently took on that role.

With a time now approaching when the Todds are starting to think about making use of their pensions, they are happy with both the results from their investments and the relationship with LRH Wealth Management.

Bronwyn says: “They invest our pension fund on our behalf and send us regular reports, so we know exactly what is happening at all times. We also meet Sue West, one of the directors at LRH Wealth Management, once or twice a year and I can speak to her at any time on the phone.

“They know exactly what we have and what we are doing with it and we have found it to be a very good relationship.”

To find out more about how we can help you, please contact LRH accountants in Halifax.

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Latest News

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

January 18th, 2021

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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