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


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

Counting the cost: a business interruption event could threaten your company’s survival. Do you need insurance?



Most of us take our workplaces for granted. We come and go, popping out for lunch or to a meeting, expecting that everything will be the same when we return. But what if something happened to disrupt this smooth flow?

As hundreds of workers found out in the City of London in July 2016, the work environment can become inaccessible in the blink of an eye. A gas leak around Blomfield Street led to the evacuation of many office buildings in the densely packed adjacent streets.

The gas leak took hours to put right. How much did that cost the surrounding businesses? All those missed deadlines, unwritten reports and lost opportunities; the wasted hours spent by some of the most highly paid people in the country.

Are you vulnerable to business interruption?
Business interruption can happen to any company. Adverse weather, civil unrest, fire, burglary, and vandalism: there is a huge range of events that could potentially stop your organisation from operating as normal. No company is totally immune.

While companies usually protect themselves with insurance to cover property, equipment and stock, it is less common to think about the loss of profit during business disruption. Yet in the event of business interruption, the usual costs such as salaries, rent and so on need to be paid, but no new income will be received.

Meanwhile, despite your best efforts, if your business is interrupted then relationships with customers are likely to suffer and they may look elsewhere. You may also miss out on new business opportunities that could have made up the gap.

How business interruption insurance helps
Business interruption insurance protects you when disaster strikes. This form of insurance provides compensation for loss of income as well as assistance with meeting the increased costs of working while the premises are restored, such as temporary offices, overtime, hired equipment or transport costs.

Insurance often also provides cover for marketing costs to tell your customers when you are back up to full speed. An advertising campaign is typically required to ensure this message reaches the right people.

How to manage a business interruption claim
There are some key steps you can take to ensure that if you need to claim on your business interruption insurance, the matter will progress smoothly. Firstly, before taking out insurance make sure that you read the policy carefully and understand exactly what is covered, what is excluded and what excesses are applicable. You should also be clear about time limits for submitting a claim.

When a business interruption event occurs, document the event and damage as far as you are able. This might include taking photographs, making notes, and keeping contact information of any emergency or remedial services you used. Be careful to keep receipts for payments in relation to the disruption.

The more information you can provide with a claim, the more likely it is to proceed quickly and successfully. Of course, ensuring you purchase insurance from a reputable and reliable provider is also essential.

Counting the cost: a business interruption event could threaten your company’s survival. Do you need insurance?




Connecting your business to the internet could be seen as similar to opening a window in your house and then going to the shops – leaving a ‘window’ of opportunity open for criminals.

UK businesses have seen a 22% increase in cybercrime in the last 12 months, according to Get Safe Online. These cyberattacks are reported to have cost more than £1bn in losses.

You might already have protected your business from unexpected bumps in the road with Business Interruption Insurance, but will this cover you against cybercrime?

What is Business Interruption Insurance?
Business Interruption Insurance can help with the financial ramifications of not being able to operate business-as-usual for a period of time.

These ‘interruptions’ would typically be fire, flood or theft – unforeseen circumstances and emergencies that left a business unable to use its office or equipment. The problems could be IT related, for example, or due to a third party issue, such as a gas leak further down the street which led to your office being evacuated.

As well as helping cover the costs of lost business caused by the emergency, this form of insurance can also help curb the costs incurred, for example, helping to cover unexpected expenditures, such as a temporary office location or replacement equipment.

Is cybercrime covered?
If your business holds customer data – particularly sensitive data such as bank information and addresses – processes payments, or uses IT systems that are essential to the way it conducts its business, then it might also be worth considering Cyber Insurance.

While large multinational organisations often have a team of specialists at their beck and call, SMEs are often expected to get to grips with the risks themselves, meaning that there are limitations as to how effectively they are able to understand the potential pitfalls.

A standard Business Interruption policy won’t cover cybercrime if nothing is physically damaged in the attack, meaning that a company could be leaving itself open to problems if it doesn’t invest in a more conclusive policy.

If the business is online too – and sells products or services on the internet, then there is a whole selection of liabilities and risks which it is exposed to which wouldn’t typically be covered by a Business Interruption policy.

Cybercrime – how can you protect yourself?
Cybercrime is a hot topic – the Cyber Risk Survey Report 2016 revealed that 81% of larger companies and 60% of SMEs were affected by a cyberattack in 2014.

Policies for SMEs would typically cover damages in the region of £100k to £5 million, although if you feel there is more at risk, there are speciality policies which cover higher amounts. The effects can be costly – TalkTalk’s hack in October last year is thought to have cost the company around £60m and led to the loss of 100,000 customers.

Pitfalls from cyber-attacks could include things such as potential service interruption and the theft of customer data from your servers, which if known to the public could cause a costly hit to a company’s reputation. If you trade online, for example, an interruption in service due to cyberattack would have a significant effect on your profits because customers would not be able to make orders while the site was down.

An evolving sector
As far as insurance is concerned, this is still a very young area. But experts are reminding policyholders to ensure that they take out the right policy for their business and its unique potential cyber risks.

16th century clergyman Joseph Hall once said, “A reputation once broken may possibly be repaired, but the world will always keep their eyes on the spot where the crack was.” It’s the same with cyberattacks – once a company has been targeted and admitted fault, its reputation takes a hit. This reputation damage can have a significant ‘cost’ to the business, so it’s important to bear this in mind when taking out coverage.

What other insurance might you need?
As well as protecting a business against the possibility of business interruption and cyberattack, it’s also worth considering liability. Liability Insurance could cover anything a business owner or employees might do which could cause harm to others.

This could go hand-in-hand with cyber insurance because it’s possible, for example, that an employee’s negligence could be responsible for a data leak.

Brokers need to make sure that they are up to speed on the industry trends and emerging issues so that they can correctly advise clients on the best policy for their needs.

Want to protect your business from cyber risk? 

Contact us on 01737377250 to speak to a specialist broker today.