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 […]
19th August 2025
⚡️The Hidden Dangers of Lithium Power in the Workplace
Lithium-ion batteries are widely used in everything from smartphones and laptops to electric vehicles (EVs), e-scooters, and industrial tools. While generally safe when used correctly, they can pose serious fire and explosion risks under certain conditions. At COHIBL, we’re seeing a growing need for awareness and risk management around lithium battery hazards. Whether you’re a business owner, […]
6th August 2025
Classic Cars – Frequently Asked Questions
For most people who own a classic car, it’s about more than just a hobby. It’s about passion, a lifestyle, and for many, a cherished investment. From the nostalgic charm of a vintage Mini Cooper, to the timeless elegance of an E-Type Jaguar, classic cars have always held a special place in the hearts of […]
24th June 2025
Is Insurance really just an expensive piece of paper?
When I recently sat down with one of our Directors, Andy Wells, I wanted to get straight to the heart of a question many people quietly wonder: Is insurance really worth it, or is it just a scam? Without hesitation, Andy shared what he believes is the most common misconception in the industry: that insurance is […]
10th June 2025
The Importance of Group Life Assurance
A Tragic Incident It was a typical Monday morning at the bustling office of Tech Company Ltd. Employees were busy with their tasks, unaware that the day would take a tragic turn. John, a dedicated software engineer, suddenly collapsed at his desk. Despite immediate medical attention, he passed away due to a heart attack. The […]
29th May 2025
Umbrella Insurance – what you need to know
As an umbrella company, ensuring your contractors are protected isn’t just good practice—it’s essential. From professional indemnity to public liability and employer’s liability, the world of insurance can be complex, and it’s one of the most frequently asked-about areas in the industry. In this blog, we’re cutting through the confusion to answer the key questions […]
27th March 2025
What does Professional Indemnity Cover?
We are often asked about professional indemnity insurance and what it covers, usually because it’s appeared in a contract as a requirement, or a regulator has specified that the business must hold the cover. Professional indemnity insurance, also known as PI insurance, is an insurance policy specifically tailored to businesses that provide advice or services […]
6th February 2025
How to protect yourself in the event of a Cyber Attack
Cyber is thought to be one of the number one risks that businesses face today. It is widely recognised that a business is more likely to fall victim to a cyber attack than their building flooding or burning down. Unfortunately though, due to the complicated jargon and the ever changing nature of the cyber threat, […]