8th May 2026
Global Conflict, Rising Costs & Underinsurance Risks for UK Businesses
Ongoing global conflict continues to dominate headlines, but for many UK businesses, the most immediate impact is not geopolitical – it’s financial and operational. Rising costs, disrupted supply chains, longer lead times and inflated material prices are creating a perfect storm of risk that many organisations are unknowingly exposed to through underinsurance. Across multiple sectors, […]
23rd April 2026
Salary Sacrifice Changes in the UK: Why Employers Shouldn’t React Too Quickly
There’s still a lot of noise in the media around salary exchange. Headlines linked to Rachel Reeves’ proposed changes to salary sacrifice have triggered a fairly predictable response: concern, frustration, and, in many cases, knee-jerk decisions. Bad news travels fast, and it often makes for the most clickable stories. Take one example: reports suggesting that […]
5th March 2026
Warranty & Indemnity Insurance: a Quick Introduction
What is Warranty & Indemnity Insurance? When buying or selling a business, the Sale & Purchase Agreement (SPA) includes warranties (statements about the business’s condition) and indemnities covering specific risks. If these statements turn out to be inaccurate, the financial consequences can be significant. Warranty & Indemnity (W&I) Insurance transfers this risk from the buyer […]
2nd March 2026
15 Creative (and Low-Cost) Ways to Show Employee Appreciation
(For Employee Appreciation Day and beyond) Employee Appreciation Day: Why It Matters More Than Ever Every year, on the first Friday in March, organisations mark Employee Appreciation Day. For some, it’s a quick thank-you email. For others, it’s cupcakes in the kitchen or a company-wide shout-out. But here’s the real question I ask HR leaders […]
13th February 2026
Retention Reimagined: Why Appreciation Is the New Employee Retention Strategy
Employee Retention in the UK: Why the Old Playbook No Longer Works It’s a common question being asked across UK boardrooms: How do we retain our best people without constantly increasing salaries? For years, the default response was simple pay rises, bonuses, and ever-expanding perks packages. But as many HR and finance leaders are now […]
26th January 2026
The PTVC Employee Appreciation Model
A New Era of Engagement, Retention, and Smarter Benefits Decisions Why Employee Appreciation Is the New Advantage in Staff Retention As the world of work continues to evolve, so too must the way we think about employee benefits. In today’s hybrid-first, value-driven working world, employee expectations have shifted dramatically. Post-COVID, people are re-evaluating what they […]
21st January 2026
Telematics & Fleet Insurance in 2026: What You Need to Know
Introduction: Why Telematics Matters More Than Ever in 2026 If your business operates vehicles – whether a handful of vans or an expanding commercial fleet – telematics should no longer be thought of as a niche option. In 2026, it’s fast becoming a strategic tool for controlling insurance costs, improving driver safety, reducing claims, and […]
9th January 2026
Salary Sacrifice for Pension Schemes: An Update
Following the recent Budget announcements (November 2025), we’ve had a noticeable increase in conversations with employers about salary sacrifice (also known as salary exchange) for pension schemes. Unfortunately, much of this dialogue has been shaped by headlines rather than facts. We’re hearing phrases like “Salary sacrifice is no longer worth it”, “the savings are disappearing” […]
19th December 2025
The Importance of Employee Appreciation in 2026
Workplaces are evolving at a pace we’ve never seen before. Hybrid working, smarter digital tools, and a growing emphasis on wellbeing have transformed what people expect from their jobs – and what they value most. As we step into 2026, one truth stands out: employee appreciation is no longer a “nice-to-have”. It’s a strategic imperative. […]
26th November 2025
What Does Business Interruption Insurance Really Cover?
When disaster strikes, the financial impact on a business can be devastating. While property insurance repairs the physical damage, what about the income you lose when your doors are closed? That’s where Business Interruption Insurance (BI) comes in – a lifeline for UK businesses facing unexpected disruptions. Picture this: Sarah owns a bustling café in […]
23rd October 2025
What type of Business Insurance do I need?
Starting a Business? Here’s What You Need to Know About Insurance Setting up a new business is an exciting venture, but amidst the buzz of branding, budgeting, and building your dream, there’s one crucial area that often gets overlooked: insurance. Whether you’re launching a consultancy from your kitchen table or opening a high-street shop, having […]
29th September 2025
Insurance Due Diligence: The Unsung Hero of Mergers & Acquisitions
Due Diligence refers to the process of thoroughly investigating and assessing a business, person, or transaction before making a commitment, whether it’s buying a company, entering a partnership, signing a major contract, or investing. It’s essentially a risk management and fact-checking exercise with the goal being to ensure that all relevant information is gathered, verified, and […]