A 2011 report from the UK’s Mental Health Foundation found that 30% of the UK population are sleep deprived. And while it may be an insurmountable task for a hotel to cure a guest’s prevailing insomnia, and many of those booking are looking for a place simply to crash out rather than sleep – it’s still important for hotels not to forget their reason for being.

Some hotels are taking the promise of a good night’s sleep to the next level. Such is the case for Hilton, whose canopy beds regulate heat and moisture.

Aside from putting an order in for the brightest and best bed innovations, what else can you do to make sure your guests at least have the option for some serious shut-eye?


Address the five senses
Research has shown that all five senses have a role in the treatment of sleep disorders and insomnia.

The Quietroom Foundation developed a five senses sleep programme in collaboration with the Dutch Knowledge Centre Sound Insulation (KGI) and Somnio, a scientific institute specialising in sleep therapy and insomnia treatment. Here is how the programs findings works can be applied to hotels for practical solutions towards a better night sleep:

  • Sound – A quiet room is an obvious plus for a hotel room, and can be achieved through added sound insulation in wall, floors and windows. For those who struggle with complete silence, offer a selection of ambient noises through a sound system.
  • Sight – Your hotel could be in the middle of Piccadilly Circus, but with blackout blinds, your guest may as well be in the middle of nowhere. Give plenty of options for lights – overheads and soft side lighting so your guests have flexibility whether they’re gearing up or winding down. Muted colour schemes also add to a calming, restful environment and should apply to walls as well as soft furnishings.
  • Smell – Air purifying solutions will help steer allergy issues, while relaxing aromas in the form of bed sprays or air fresheners will create an air of calm. Literally.
  • Touch – Beyond a comfortable bed, temperature is probably the second biggest sleep factor after noise and bright lights. Give guests the option to adjust the heating so they can enjoy their sleep without throwing off the bed covers or shivering throughout the night. If you’re able to, different mattress topper options will give your guests even greater say on how they enjoy their rest.
  • Taste – If you provide room service, make sure the food options include healthy, light snacks and meals in addition to gut-busting dishes which will only hinder sleep as the body preoccupies itself with digestion.


A good night’s sleep forms the cornerstone of a hotel experience upon which you can build all others, such as food, service, location and price.

If you have any plans to make upgrades to your hotel, let your insurance provider know to make sure your policy accommodates new additions and alterations.

If you would like speak to a broker today please contact us on 01737 377250 or visit




Drought is a certified killer in developing nations, bringing hunger and disease to crops, cattle and people. Six years ago, a drought-induced famine killed 260,000 Somalis. The UN recently launched a $854m appeal to help 5 million Somalis who are experiencing another such drought.

But there is hope on the horizon. Senegal experienced a significant drought in 2014, but it was hardly reported in the international news – this is because Senegal, along with Mauritania, Niger, and Kenya, had created and joined African Risk Capacity (ARC).

They pooled resources into this mutual insurance company, meaning Senegalese people did not starve to death the way they had in Somalia.

Catastrophe risk pools such as the ARC have emerged over the last 10 years to protect vulnerable populations and national budgets from extreme weather events. To date, 26 countries in Africa, the Caribbean and Central America have created risk pools.

When Hurricane Matthew hit in 2016, the Caribbean version paid out $30m to affected countries. In 2015, the ARC paid out over $26m after lack of rains in the Sahel, south of the Sahara Desert.

Of course, the funds from risk pools do not replace international assistance – but they do provide early cash assistance for families, reducing the overall need from aid. The government in Senegal responded rapidly to the 2014 drought, focusing their aid on the most vulnerable populations including children under five and lactating mothers. Witnessing its effectiveness, Malawi, Gambia, Mali, and Burkina Faso have since joined the ARC.

According to research from Oxford University, each dollar invested in ARC before the catastrophe saves $4.40 in the aftermath of an event.

If you would like to speak to a broker today, please call us on 01737 377250 or visit us on 


Is your garden safe this Summer?

Commercial Insurance Services Ltd home insurance
Is you garden safe?


Spring is creeping ever closer and it will soon be time for the clocks to move forward to summer time. For many, the increased daylight hours and rising temperatures will be the signal to dust off the lawnmower, dig out the patio furniture and fire up the barbeque. But are you sure that all your garden gear is safe from opportunists?

The criminal hit list

According to research by Lloyds Market Home Insurance, valuables such as patio furniture and garden tools rank high on the hit list of opportunistic thieves, but too many of us fail to secure such expensive items. As a result, last summer there was a 12% increase in the number of unforced burglary claims made to the insurer compared with the winter months. The average claim added up to around £900, which is not an insignificant sum.

Claims are also likely to get more expensive: according to Lloyds Bank Insurance’sBritain at Home Report, UK households spend around £366 every year on garden items, with those aged 25-34 spending over double this amount (£747). Such spending is on the rise, with 33% of homeowners questioned saying that they spend more money on their gardens now than five years ago.

However, despite our growing love of gardens and garden furniture, over a third of respondents admitted that they have no secure lock for their garden, while a quarter (24%) confessed that none of their outdoor items was insured. This could mean that many homeowners face the possibility of forking out a large sum of money to replace stolen items.

Commenting on the research, Tim Downes of Lloyds Bank Insurance said: “We know that the majority of thefts from gardens and sheds are opportunistic, so it is worrying to see so many people leaving themselves exposed by investing in gardens without adequate insurance.

“When it comes to protecting our properties, homeowners must remember that what’s on the outside also counts, so taking some small easy steps could help prevent having to stump up for lost garden goods should the worst happen.”

Keeping garden items safe

So how can you deter thieves from helping themselves to your expensive garden goodies? Here are our top tips for keeping all your outdoor items safe.

  • Lock it. Invest in a secure lock to bolt up your garden shed, garage, gates and outhouses. It’s also a good idea to check your fencing for gaps, and to see whether anyone could push past your garden bushes.
  • Make it heavy. Loading the base of your patio furniture can make it harder for thieves to carry it away – use stones or bricks to make them weighty enough.
  • Mark it. Take photos of all of your furniture and outdoor items, and then make sure you write your postcode on everything. This way, you will be able to identify what’s yours if it goes missing, or it could deter someone from carrying it off in the first place.
  • Form a fortress. If you can’t block access to your garden with a locked gate, then using spiky plants or building high walls can help to put opportunists off.
  • Use gravel. A gravel path in the front of your home can make a stealthy approach much more difficult.
  • Put it away. Leaving BBQ’s, lawnmowers and bikes out in full view is asking for trouble – lock them away out of sight. Remember that garden tools and ladders could be used to break into your property.
  • Insure it. Last but not least, insure valuable items. Replacing stolen goods can be an expensive business if your items aren’t protected, so save yourself the hassle by topping up your home insurance.

For a competitive quotation visit or call us on 01737 373222 we can asses your risk and give you a quotation with in minutes!

Is your garden safe this Summer?

A Director’s Guide to Business Insurance



Imagine you have the opportunity to invest £100,000 for your company, with a 70% chance of providing a 20% return within five years. Do you decide to go for it? Now consider whether your decision would be different if you could be held personally liable for making the wrong decision; your home and other assets are on the line. Do you have the same approach to risk?

This simplified scenario demonstrates why Directors & Officers (D&O) insurance exists. Senior employees are exposed to civil and criminal liability in relation to a host of responsibilities including employee safety, tax and finance law. Company law can also give rise to personal liability, for example if directors know a company is about to become insolvent but continue trading anyway, resulting losses can potentially be recovered from their personal assets.

D&O insurance gives directors and officers the confidence to know there is support to pay compensation or defend claims or prosecutions when things go wrong. It’s not a ‘get out of jail free’ card to excuse negligent behaviour, but it does provide valuable protection in difficult situations.

Let’s consider seven key things you need to know about D&O insurance.

  1. Claims can be brought by a variety of company stakeholders
    It’s not just shareholders who may bring a claim against senior staff. Employees, bondholders, lenders, customers, consumer bodies, suppliers and competitors could all have legal standing to bring a claim. The likelihood is that at some point, every company will face the threat of a claim.


  1. D&O insurance is not compulsory
    The law does not require you to hold D&O insurance, but in practice companies can find it very difficult to recruit top talent without having a policy in place. Qualified candidates see insurance as an essential protection and usually ask to see the policy before entering an employment contract.


  1. Operating without D&O insurance can cause undue risk aversion
    Failing to put D&O insurance in place will not only harm recruitment; it also impedes the ability of senior executives to make decisions on behalf of the company. Put simply, they are likely to be more risk averse when their own assets are under threat.


  1. Professional indemnity insurance and D&O cover different types of risk
    There is often confusion about whether policies for professional indemnity and D&O are the same thing. They are separate: professional indemnity relates to situations where it is claimed that a service or advice has not been delivered to a competent standard. D&O insurance relates to the management of a company and concerns risk connected to governance and oversight.


  1. The first policies were developed in the Great Depression
    History time: D&O insurance was created in the 1930s after new laws were introduced in the US to hold directors to account for failings that led to the 1929 Wall Street crash.


  1. The law says some areas of liability must be excluded
    Providing cover for every corporate misdemeanour would arguably create a moral hazard in which executives would feel immune from the consequences of their actions. This is why English law says insurance cannot cover some types of penalty and fines. However, D&O insurance can pay for costs such as legal fees in defending a criminal charge.


  1. Cyberattacks are increasing risk for directors and officers
    Cybercrime is increasingly common for companies of all sizes; 74% of all small UK businesses have experienced a security breach in the last year. Executives can face claims from customers, shareholders and other interested parties following a breach, with losses being virtually unlimited. This is another incentive to put a quality D&O policy in place.

Do you have the insurance cover you need?

Visit or call 01737377250 For all of your insurance needs

A Director’s Guide to Business Insurance




It appears that landlords are not only choosing to buy close to where they already live, but prefer to manage them day to day as well.

Two thirds of landlord live within 10 miles of their property, while analysis of 10,000 addresses shows one fifth are only a mile away or less.

Despite promise of higher rent yields, Simple Landlord suggests that familiarity with the area in which they live is one of the deciding factors.

The firm’s findings also show that 65% of the landlords questioned made a conscious decision to invest in property, while 17% become landlords “accidentally”. Meanwhile 9% are buying homes for family members, such as a child at University.

It appears that landlords are not only choosing to buy close to where they already live, but prefer to manage them day to day as well. 65% of landlords prefer to tackle any maintenance issues themselves.

Alex Huntley of Simple Landlords explained the findings, ‘We are seeing an increasing trend of savvy landlords taking direct control of how their property is let and managed and becoming much more self-sufficient,’

‘While it can be easy to bash landlords as faceless investors, these results show they are more likely to be part of the community they invest in and take a personal interest in making sure their property is well maintained and tenancies are long term,’ he said.

The poll revealed that 45% owned a single rental property while 40% owned between two and four. The percentage for those who owned over five homes was lower at 15%.

Some 45% of those polled owned a single rental property, while 40% owned between two and four properties and 15% said they have a portfolio of over five homes.

For more information about how we can help with your property owners insurance. Please feel free to contact us on 01737 377250 or if you would like to handle your insurance on


Affordable & Reliable Tradesman Insurance



Buying Liability Insurance online could not be easier. not offers a full Quote-TO-Buy comparison engine for Public Liability Insurance. Compare your insurance needs with the top insurance companies at the click of a button. Commercial Insurance Services Ltd will still be offering a brokers experience, so if you ever need to call us during your policy term we will be at the other end of the phone to guide you with the advice you need. So what are you waiting for!? Click here for an affordable & reliable insurance quote today!

Affordable & Reliable Tradesman Insurance


car-insurance-shopping-101-things-to-remember_3Rather than increasing competitiveness pushing the cost of car insurance down, close analysis shows that the opposite may be true.

A closer look at the most recent AA British Insurance Premium Index showed that the average cost of a comprehensive policy had risen by £12.50 bringing it up to £568 for an annual policy. The average cost of five of the cheapest quotes from comparison websites showed were up by nearly £84.

It seems this increase is down to the reluctance insurers have in offering cheap introductory offers at a loss, as they’re now well aware that most people will shop around come their renewal for a cheaper deal when the policy levels out to its normal rate.

AA director of insurance Michael Lloyd shed some light on one of the reasons for this upward trajectory,

“As more people look for introductory offers there is less incentive for companies to offer loss-making prices to attract new business that will, a year later, go elsewhere. So I believe this is one driver of recent premium increases while insurers are looking for ways to better reward customer loyalty.”

The Insurance Premium Tax (IPT) which rose by 67% between January to March 2016 has also been blamed for pricier premiums. This pushed up the overall cost of insurance premiums up by 15%, the highest ever recorded according to the British Insurance Brokers’ Association (BIBA) and the Acturis Insurance Price Index.

Add to these factors the claims for whiplash which are still “unacceptably high” and the instance of uninsured drivers and you have a trend which shows no signs of back tracking,

“Premiums have not risen by as much over the second quarter as some commentators predicted although it’s still an upward trend that I expect to continue over the rest of the year,” Lloyd said.


For more information on why you should use a broker rather than a comparison site, visit or call us on 01737377250