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PikaGuard Blog
Dated notes on events that change what a risk costs: conflict, climate and energy. Each gives its sources.
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3 ARTICLESThe Gulf war reaches UK businesses through cost, not claims
War cover through Hormuz has risen from about 0.25% of hull value to 6–10%. A UK property policy excludes war, so freight, energy and supply losses stay with the business.
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Gas, not power, is the UK’s energy risk this winter
EU storage started winter at 74 bcm against 85 bcm a year earlier, and Qatari LNG is under force majeure. Business energy has no price cap.
Summer 2026 set a subsidence record. The claims are still arriving.
The average domestic subsidence claim reached £20,000 between April and June, before the driest weeks of the UK’s hottest summer on record.
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