Business leaders continue to face a challenging and uncertain corporate landscape in 2026. Economic pressures, rising costs, regulatory change and geopolitical instability are increasing the potential liability exposure for directors and officers. Below, we examine some of the key risks emerging this year and the concerns we are hearing most often from clients when reviewing their Directors' & Officers' (D&O) insurance arrangements. Bankruptcy risk Ongoing economic uncertainty continues to place many businesses under financial strain, increasing the risk of insolvency. According to figures from The Insolvency Service, company insolvencies have remained at levels not seen since the 2008/09 financial crisis, with more than 22,000 companies becoming insolvent during the first 11 months of 2025 1 . When a company enters insolvency, directors and officers can face increased scrutiny from creditors, shareholders, regulators and insolvency practitioners. Decisions made before financial difficulties emerged may be reviewed closely, potentially resulting in allegations of wrongful trading, breach of duty or mismanagement. For this reason, ensuring that appropriate D&O cover is in place remains an important consideration for businesses of all sizes.

Clear Group expands its presence on the South Coast with the acquisition of Pangea Insurance Brokers and Pangea Life. Clear Group, the UK’s fast growing independent insurance intermediary, has strengthened its presence on the South Coast with the acquisition of Pangea Insurance Brokers and Pangea Life, specialists in commercial & personal insurance, employee benefits, and business protection. Owned and led by Michael Piper and Stephen Goulter, Pangea has built a strong reputation for delivering a highly personalised and professional service, supported by an in-house claims team. The business generates an annual income in excess of £3 million. The dedicated team of more than 30 professionals will join forces with Clear, having played a key role in the company’s continued success under Michael and Stephen’s leadership. The acquisition represents a positive and strategic outcome for Pangea’s clients and employees. By joining Clear Group, the business gains access to enhanced scale, broader market reach, and additional resources, while retaining the personal service that have been central to its success. Clients will continue to benefit from the same trusted relationships, now supported by the capabilities of a larger group. Mike Edgeley, Group CEO of Clear Group, said: “This acquisition demonstrates the continued momentum behind the Clear model. By bringing together high performing, independent businesses like Pangea, we are building a group that combines local expertise with national scale. Pangea’s strong client relationships and specialist capabilities make them an excellent fit for Clear, and we’re excited to support their next phase of growth.” Michael Piper, Director of Pangea Insurance Brokers: "Joining Clear represents a highly positive outcome for both our clients and our team. It provides continuity and stability, while also giving us access to the scale and resources of a larger group, all without compromising the personal service we are proudly known for. We believe this partnership offers the ideal platform to strengthen and expand our presence in the local area and we look forward to the opportunities it will bring and working with other brokers within The Clear group." Stephen Goulter, Director of Pangea Life Ltd: "Starting Pangea Life nearly 11 years ago, the focus has always been 'client first' and having seen what the Clear Group has achieved in recent years through its partnerships with independent insurance brokers, we believe joining forces will provide our clients with added reassurance that they have the right team working behind the scenes. This enhanced support ensures that we can continue to provide the right solutions for our clients and that the cover clients rely on continues to be regularly reviewed and kept up to date.”

Drone technology has transformed the way many businesses operate. From aerial photography and surveying to inspections and mapping, drones are now essential tools for many commercial operators. At Pangea Insurance Brokers, we regularly speak to drone operators who believe they’re properly insured - only to discover gaps in their cover when they look more closely. Drone insurance isn’t just a box to tick. It’s your financial safety net if something goes wrong. Choosing the wrong policy, misunderstanding the cover, or missing key details can leave you exposed. Here are some of the most common drone insurance mistakes we see - and how to avoid them.

Don't get thrown off by jargon - let us explain what common insurance terms mean. We've created a jargon buster with some of the most common phrases that get used in the insurance world, broken down into clear, simple explanations. Bookmark this page and come back whenever you need a quick answer!

Informative post written by a local insurance broker, Pangea Insurance Brokers, about how cyber security and cyber insurance can help businesses grow

Pangea Insurance Brokers are here to help protect your home this winter, saving you from expensive insurance claims and unnecessary stress.

On Thursday 2nd October 2025, our team of raring (and slightly nervous) amateur cyclists set off on their Pangea Tour to France cycling challenge, in aid of raising money for Friends of the Family Winchester. Day 1 started off 'business as usual' at Pangea HQ in Colden Common, until 1pm when the team had to 'get in gear' and hit the road towards the ferry port in Portsmouth, equalling just over 20 miles. After spending the night on the ferry to cross the channel over to St Malo, France, Team Pangea was up early and on their bikes for 9am to face Day 2 of Pangea Tour to France. It was a whole day of cycling through France and thanks to Storm Amy, the weather conditions were anything but easy on our cyclists. Forget sunny French coastlines - instead, it was torrential rain from start to finish, leaving everyone soaked through by the time they reached their hotel in Granville. Although it was an incredibly wet day of cycling, the team pushed through and completed their 75 miles.

Both Hampshire-based companies are working together to assist local businesses in ensuring they are correctly covered. For many business owners, keeping on top of their assets can be both complex and time-consuming. Whether it’s one property or multiple, there are plenty of factors to consider, especially when it comes to insurance. Given the recent inflationary rises the reinstatement costs of buildings have increased dramatically. Taking into consideration the rise in cost of materials, increased labour rates, which all have a big factor in building a property. OUR PARTNERSHIP As part of Pangea Insurance Brokers’ service, the team of advisors will require a range of details regarding the assets you want to insure, such as security measures, staff information, and of course, rebuild costs… This is where Cornerstone Building Surveyors come in. To accurately determine the cost of rebuilding a property to its previous state, the experts at Cornerstone will assist in carrying out a Reinstatement Cost Assessment (RCA) for clients. The purpose of this is not only to protect business owners in the event of substantial damage to their property or even a total loss, but to financially protect them from being under-insured.

COMMERCIAL INSURANCE SPECIALISTS IN NORFOLK