COVERED IN 15

Description: In the special edition of Covered in 15, Former Army Officer-turned landmine clearance specialist Chris Moon suggests that we can all develop the resilience to survive life’s most profound challenges. Having been taken prisoner by the Khmer Rouge in Cambodia, threatened with execution on multiple occasions, and lost two limbs in an explosion, Chris chose never to perceive himself as a victim. This choice to take ownership of his situation ultimately saved his life. The psychological principles that underpin this can also be applied in our lives, whenever we face hardship. To cope in our intense and ever-challenging working environment, it is key to develop and maintain resilience, by ensuring that we recharge our psychological batteries. This can be achieved by being open and honest with others, actively articulating your feelings and having frank, honest conversations, we can all challenge the concept of self-limitation. This is Adrian’s final episode of Covered in 15, and we wish him all the best as he transitions into a well-earned retirement. Quote: “Some people innately have [resilience]. I passionately believe that it can be taught. You may have to go back and change people's core beliefs, and give them confidence. Ultimately, it may not always feel like it, but the way we think determines how we feel. That’s the most important psychological discovery ever… We are who we choose to be. Even if we don't feel we have choices, in a kind of way, that's making a choice.” Run time: 17:28 Resources: Chris Moon: https://www.chrismoon.co.uk/ Chris Moon's LinkedIn Profile Adrian Saunders’ LinkedIn Profile About the Guest: Chris Moon is a motivational speaker and workshop director, encouraging people to challenge the concept of limitation, inspired by his death-defying experiences as a British Army Officer and HALO Trust Program Manager. About the Host: Adrian Saunders, Commercial Director at Ecclesiastical, is responsible for delivering Ecclesiastical’s UK intermediated business. Before joining Ecclesiastical, Adrian held senior roles at Marsh, Zurich and Hiscox. Away from insurance, Adrian is a self-confessed cycling addict. Combining his passions for charity giving and cycling, he previously raised funds for charity by completing London Ride100 three times and cycling across Vietnam and Cambodia. Disclaimer This guidance is provided for information purposes and is general and educational in nature and does not constitute legal advice. You are free to choose whether or not to use it and it should not be considered a substitute for seeking professional help in specific circumstances. Accordingly, Ecclesiastical Insurance Office plc and its group companies (“Ecclesiastical”) and MTB Management Limited, shall not be liable for any losses, damages, charges or expenses, whether direct, indirect, or consequential and howsoever arising, that you or any third party suffer or incur as a result of or in connection with your use or reliance on or action taken (or not taken) by any other party, caused by that or any other person’s use of or reliance on the information provided in this guidance, except for those which cannot be excluded by law. In viewing the guidance, you acknowledge that over time the information provided may become out of date and may not constitute best market practice that it is subject to change and new editions may be issued to incorporate such changes and that Ecclesiastical and MTB Management Limited, have no duty to provide such changes. 

Description: With a woefully understaffed police force grappling with a recruitment crisis, coupled with the ongoing cost of living crisis and increasing polarisation across the political spectrum in the UK, crime is on the rise. To mitigate the risks, brokers can advise their private and corporate clients about how to better secure their properties. It’s crucial to think ‘beyond the perimeter’ of the property boundaries, and to consider what information prospective burglars could extrapolate about us, our behaviour, and the nature of our property via our online footprint. Regularly updating passwords, switching off location sharing, and being tactful with the information we share, we can significantly reduce the risks. Quote: “We take a slightly different approach to our property risk assessments. Most of the team are chartered security professionals. So, we come from quite a bespoke background. And we apply a layered approach to every property that we deal with. The first thing I'll talk about is what we call within the business beyond the perimeter. And that effectively means anything associated outside the property boundaries. And in simplistic terms, social media could be used.” Run time: 14:43 Resources: Personal Property Protection - Art and Private Client Ecclesiastical Risk Management Services Home security tips and advice Cyber safety - protecting yourselves from online risks Blackstone Consultancy Simon Giddins’ LinkedIn Profile Adrian Saunders’ LinkedIn Profile About the Guest: Simon Giddins is the Founder and Managing Director of Blackstone Consultancy, a specialist risk management, security, and intelligence organisation, offering protective solutions to both corporate and private clients. About the Host: Adrian Saunders, Commercial Director at Ecclesiastical, is responsible for delivering Ecclesiastical’s UK intermediated business. Before joining Ecclesiastical, Adrian held senior roles at Marsh, Zurich and Hiscox. Away from insurance, Adrian is a self-confessed cycling addict. Combining his passions for charity giving and cycling, he previously raised funds for charity by completing London Ride100 three times and cycling across Vietnam and Cambodia. Disclaimer This guidance is provided for information purposes and is general and educational in nature and does not constitute legal advice. You are free to choose whether or not to use it and it should not be considered a substitute for seeking professional help in specific circumstances. Accordingly, Ecclesiastical Insurance Office plc and its group companies (“Ecclesiastical”) and Blackstone Consultancy, shall not be liable for any losses, damages, charges or expenses, whether direct, indirect, or consequential and howsoever arising, that you or any third party suffer or incur as a result of or in connection with your use or reliance on or action taken (or not taken) by any other party, caused by that or any other person’s use of or reliance on the information provided in this guidance, except for those which cannot be excluded by law. In viewing the guidance, you acknowledge that over time the information provided may become out of date and may not constitute best market practice that it is subject to change and new editions may be issued to incorporate such changes and that Ecclesiastical and Blackstone Consultancy, have no duty to provide such changes. 

Description: Private equity investors can help businesses with strategic decision-making, from formalising their processes to formulating a succession plan, thereby futureproofing the company against the uncertainties around the corner. The Connection Capital website linked below contains a wealth of resources explaining the industry in greater depth, including videos from CEOs and business chairs backed by the firm, granting insight into various companies’ experiences with a private equity backer. In this episode, we explore the value of a private equity investment. The motivations for seeking private equity backing can vary from generating capital to being able to grow, foreseeing a succession plan and an eventual management buyout. Thus, there are many different flavours to private equity, and dealings with these firms do not necessitate a surrendering of majority control. Quote: “[When securing a private equity investment,] it should be a partnership, and in most cases, it's a partnership that works very well, where you've got various stakeholders in the business, whether it's the shareholders, the management team, the employees, the customers, the suppliers, everyone working together to make a success of that business and to grow it. There are generally bumps along the way, particularly if a business is in a growth phase, you very often get what's called growing pains, but as long as everyone's got that goal ahead of them, which is to build value in the business so that everyone benefits from it, then you should be fine.” Run time: 14.13 Resources: Connection Capital Claire Madden’s LinkedIn Profile Adrian Saunders’ LinkedIn Profile About the Guest: Claire Madden is a Co-founder of Connection Capital, a private equity firm active in the UK SME space, investing between £3-10 million of equity per transaction. They seek to back ambitious management teams looking to grow their businesses. About the Host: Adrian Saunders, Commercial Director at Ecclesiastical, is responsible for delivering Ecclesiastical’s UK intermediated business. Before joining Ecclesiastical, Adrian held senior roles at Marsh, Zurich and Hiscox. Away from insurance, Adrian is a self-confessed cycling addict. Combining his passions for charity giving and cycling, he previously raised funds for charity by completing London Ride100 three times and cycling across Vietnam and Cambodia. Disclaimer This guidance is provided for information purposes and is general and educational in nature and does not constitute legal advice. You are free to choose whether or not to use it and it should not be considered a substitute for seeking professional help in specific circumstances. Accordingly, Ecclesiastical Insurance Office plc and its group companies (“Ecclesiastical”) and Connection Capital, shall not be liable for any losses, damages, charges or expenses, whether direct, indirect, or consequential and howsoever arising, that you or any third party suffer or incur as a result of or in connection with your use or reliance on or action taken (or not taken) by any other party, caused by that or any other person’s use of or reliance on the information provided in this guidance, except for those which cannot be excluded by law. In viewing the guidance, you acknowledge that over time the information provided may become out of date and may not constitute best market practice that it is subject to change and new editions may be issued to incorporate such changes and that Ecclesiastical and Connection Capital, have no duty to provide such changes. 

Description: The Benefact Trust is funded directly by the profits of the specialist financial companies within the Benefact Group. It has been instrumental in supporting churches and Christian charities across the country to retain their status as centres of orbit for charitable giving and community support.  In this episode, Trust Director Helen Gray talks about the aim for Benefact Trust to double its grant making in the next five years. This growth is underpinned by the commercial performance of the businesses within the Benefact Group, including Ecclesiastical Insurance, whose generated profits finance the Trust’s grant giving. To find out more about the Trust, including the beneficiaries, how to apply for a grant, and more information about the Community Impact grants, visit the website linked below. If you’re a charity or an insurance broker with charitable clients, there is also a wealth of advice and resources available on the website for you to explore. Run time: 14.44 Quote: “To work for a charity that can give on the scale that Benefact gives is most charity workers’ absolute dream… The work the charity does is far reaching, [and] the fact that the charity actually owns the Benefact Group, a group of financial service businesses, places the Benefact Trust in a really enviable position." Resources: The Benefact Trust The Benefact Trust Grants How to apply for a grant Helen Gray’s LinkedIn Profile Adrian Saunders’ LinkedIn Profile About the Guest: Helen Gray is the Trust Director for the Benefact Trust. Her previous roles include Foundation Director at the Hertfordshire Community Foundation, and Head of Operations at St Albans Cathedral, granting her first-hand insight into the positive impacts of organisations like Benefact. About the Host: Adrian Saunders, Commercial Director at Ecclesiastical, is responsible for delivering Ecclesiastical’s UK intermediated business. Before joining Ecclesiastical, Adrian held senior roles at Marsh, Zurich and Hiscox. Away from insurance, Adrian is a self-confessed cycling addict. Combining his passions for charity giving and cycling, he previously raised funds for charity by completing London Ride100 three times and cycling across Vietnam and Cambodia.  Disclaimer This guidance is provided for information purposes and is general and educational in nature and does not constitute legal advice. You are free to choose whether or not to use it and it should not be considered a substitute for seeking professional help in specific circumstances. Accordingly, Ecclesiastical Insurance Office plc and its group companies (“Ecclesiastical”) and Benefact Trust, shall not be liable for any losses, damages, charges or expenses, whether direct, indirect, or consequential and howsoever arising, that you or any third party suffer or incur as a result of or in connection with your use or reliance on or action taken (or not taken) by any other party, caused by that or any other person’s use of or reliance on the information provided in this guidance, except for those which cannot be excluded by law. In viewing the guidance, you acknowledge that over time the information provided may become out of date and may not constitute best market practice that it is subject to change and new editions may be issued to incorporate such changes and that Ecclesiastical and Benefact Trust have no duty to provide such changes.

Description: With the increased use of the internet and the widespread availability of (seemingly) free video, audio, photographic, illustrative and written digital material, copyright infringement claims have become more prevalent. This may be particularly troublesome for charitable organisations who perhaps feel they are exempt and therefore can use material on their websites or social media platforms, as they are not exhibiting or distributing them for profit. Unfortunately, this isn’t the case and charities are by no means immune to copyright infringement court cases and fines that can run into thousands of pounds. Quote: “Brokers should be advising their charity and church organisation [clients] about all these sorts of claims. There is this general feeling amongst churches and charities that somehow, they're less likely to get into trouble with these sorts of things. And it's not only copyright; it's defamation, data breaches, inaccurate information... All these things are much more common because of the internet.” Run time: 14.06 Resources: Avoid the copyright web Ecclesiastical - Charity Insurance Ecclesiastical – Faith and Community Insurance Clyde & Co – Nick Gibbons  Faith Kitchen’s LinkedIn Profile About the Guest: Nick Gibbons is a Legal Director at Clyde & Co, where he specialises in intellectual property, cyber risk and data protection, and internet law. About the Host: Faith Kitchen is the Customer Segment Director at Ecclesiastical. Faith is responsible for developing and maintaining our products and propositions to meet the needs of our specialist target markets. She maintains relationships with a number of key bodies in the heritage, charity and education sector, to ensure we fully understand what is important to customers and can develop useful insight and thought leadership. Faith is a member of the Underwriting leadership Team. In her spare time, she serves as a Charity Trustee and a School Governor. Disclaimer This guidance is provided for information purposes and is general and educational in nature and does not constitute legal advice. You are free to choose whether or not to use it and it should not be considered a substitute for seeking professional help in specific circumstances. Accordingly, Ecclesiastical Insurance Office plc and its group companies (“Ecclesiastical”) and Clyde and Co, shall not be liable for any losses, damages, charges or expenses, whether direct, indirect, or consequential and howsoever arising, that you or any third party suffer or incur as a result of or in connection with your use or reliance on or action taken (or not taken) by any other party, caused by that or any other person’s use of or reliance on the information provided in this guidance, except for those which cannot be excluded by law. In viewing the guidance, you acknowledge that over time the information provided may become out of date and may not constitute best market practice that it is subject to change and new editions may be issued to incorporate such changes and that Ecclesiastical and Clyde & Co have no duty to provide such changes.

Description In one of our previous episodes, we've discussed the support and fundraising resources available for charities from the Benefact Group during the cost-of-living crisis. In this episode, we’re speaking with Mick Clarke, CEO of The Passage, about the structural changes needed to facilitate the charity’s vision of eliminating street homelessness. Mick explains how charities have been substantially affected by the cost-of-living crisis, with donations decreasing, bills increasing, and resources being stretched thinner than ever, as people become increasingly at risk of becoming homeless.    Quote “For me it's all about sustainable, lasting outcomes. That's the business that we're in. It's very easy just to feed people on the streets, but for us it's about helping people end their homelessness. We never end someone's homelessness; we just give them the tools to do it themselves.” Run time: 14.59 Resources The Passage is a charity providing support and services to those enduring street homelessness, envisioning a society in which everybody has a place called home. The charity also highlights the links between modern slavery and homelessness, with those sleeping on the streets at a significantly heightened risk of being exploited into doing illegitimate unpaid work. Learn more: The Passage Benefact Group Fundraising Resources How are charities being impacted by the cost-of-living crisis? - podcast Mick Clarke’s LinkedIn Profile Adrian Saunders’ LinkedIn Profile About the Guest: Mick Clarke is the CEO of The Passage, a charity focused on ending street homelessness by providing preventative services, along with support for those already living on the streets. About the Host: Adrian Saunders, Commercial Director at Ecclesiastical, is responsible for delivering Ecclesiastical’s UK intermediated business. Before joining Ecclesiastical, Adrian held senior roles at Marsh, Zurich and Hiscox. Away from insurance, Adrian is a self-confessed cycling addict. Combining his passions for charity giving and cycling, he previously raised funds for charity by completing London Ride100 three times and cycling across Vietnam and Cambodia. Disclaimer This guidance is provided for information purposes and is general and educational in nature and does not constitute legal advice. You are free to choose whether or not to use it and it should not be considered a substitute for seeking professional help in specific circumstances. Accordingly, Ecclesiastical Insurance Office plc and its group companies (“Ecclesiastical”) and The Passage, shall not be liable for any losses, damages, charges or expenses, whether direct, indirect, or consequential and howsoever arising, that you or any third party suffer or incur as a result of or in connection with your use or reliance on or action taken (or not taken) by any other party, caused by that or any other person’s use of or reliance on the information provided in this guidance, except for those which cannot be excluded by law. In viewing the guidance, you acknowledge that over time the information provided may become out of date and may not constitute best market practice that it is subject to change and new editions may be issued to incorporate such changes and that Ecclesiastical and The Passage, have no duty to provide such changes.  

Description: In heritage businesses, if objects are subject to water, fire, or other forms of damage, a quick response is essential. Yet, some heritage organisations’ emergency plans are stifled by a slow decision-making process, lacking comms policy, or insufficient clarity regarding the delegation of authority in critical scenarios. In this episode, Emma Dadson from Harwell Restoration talks about the impact that a well-devised emergency plan can have for heritage businesses. She highlights several resources available to help businesses create or further develop their emergency plans. Quote: “One thing I would really urge is that it's very easy to download a template plan, fill in the blanks, print it and say that's the job done. It’s really important to make sure that anything like that is really fine-tuned and made bespoke to a particular setup. So, make sure that you create a plan, but then you actually walk through it, practice it and then refine it from that point forward.” Run time: 14.58 Resources: Ecclesiastical – Risk Management Ecclesiastical - Preparing Disaster Recovery Plan Ecclesiastical - Disaster Recovery Guide Ecclesiastical - Planning for recovery post-disaster Harwell Restoration Adrian Saunders’ LinkedIn Profile Emma Dadson’s LinkedIn Profile About the guest: Emma Dadson is the Key Account Director at Harwell Restoration, one of Ecclesiastical’s trusted partners, which offers advice and bespoke post-incident solutions to heritage businesses. About the host: Adrian Saunders, Commercial Director at Ecclesiastical, is responsible for delivering Ecclesiastical’s UK intermediated business. Before joining Ecclesiastical, Adrian held senior roles at Marsh, Zurich and Hiscox. Away from insurance, Adrian is a self-confessed cycling addict. Combining his passions for charity giving and cycling, he previously raised funds for charity by completing London Ride100 three times and cycling across Vietnam and Cambodia.  Disclaimer This guidance is provided for information purposes and is general and educational in nature and does not constitute legal advice. You are free to choose whether or not to use it and it should not be considered a substitute for seeking professional help in specific circumstances. Accordingly, Ecclesiastical Insurance Office plc and its group companies (“Ecclesiastical”) and Harwell Restoration, shall not be liable for any losses, damages, charges or expenses, whether direct, indirect, or consequential and howsoever arising, that you or any third party suffer or incur as a result of or in connection with your use or reliance on or action taken (or not taken) by any other party, caused by that or any other person’s use of or reliance on the information provided in this guidance, except for those which cannot be excluded by law. In viewing the guidance, you acknowledge that over time the information provided may become out of date and may not constitute best market practice that it is subject to change and new editions may be issued to incorporate such changes and that Ecclesiastical and Harwell Restoration have no duty to provide such changes.      

Description: Email continues to prevail as the world’s preferred business communications medium. With around 320 billion emails sent and received a day, the risks of using email to send sensitive information are numerous and ever-expanding. Additionally, portals are gaining momentum from a data collection and customer communication point of view. In this episode, we discuss the importance of using encryption to minimise reputational and regulatory risks to your business. In the event of a cyberattack or human error, we are obliged to inform the ICO. It will reflect much better on your business if a line of defence such as the right encryption is in place, and this will significantly reduce repeated incidents or indeed prevent them from happening in the first place. Quote: “People have become so used to using these mechanisms like email where the truth is, that's an open door. There are industrial scale businesses across the globe, where their only intention is to look out for those that aren't using a key and peer through the door to look at the information, and somehow misuse it. Now, that's potentially incredibly damaging, financially and reputationally. It can be catastrophic.” Run time: 14.59 Resources: To find out more about how to protect your email communications and better manage data handling, visit Beyond Encryption Paul Holland’s LinkedIn Profile Adrian Saunders’ LinkedIn Profile About the Guest: Paul Holland is the CEO and Founder of Beyond Encryption, a cybersecurity business specialising in eliminating risk across email communications. About the Host: Adrian Saunders, Commercial Director at Ecclesiastical, is responsible for delivering Ecclesiastical’s UK intermediated business. Before joining Ecclesiastical, Adrian held senior roles at Marsh, Zurich and Hiscox. Away from insurance, Adrian is a self-confessed cycling addict. Combining his passions for charity giving and cycling, he previously raised funds for charity by completing London Ride100 three times and cycling across Vietnam and Cambodia.  Disclaimer This guidance is provided for information purposes and is general and educational in nature and does not constitute legal advice. You are free to choose whether or not to use it and it should not be considered a substitute for seeking professional help in specific circumstances. Accordingly, Ecclesiastical Insurance Office plc and its group companies (“Ecclesiastical”) and Beyond Encryption Ltd., shall not be liable for any losses, damages, charges or expenses, whether direct, indirect, or consequential and howsoever arising, that you or any third party suffer or incur as a result of or in connection with your use or reliance on or action taken (or not taken) by any other party, caused by that or any other person’s use of or reliance on the information provided in this guidance, except for those which cannot be excluded by law. In viewing the guidance, you acknowledge that over time the information provided may become out of date and may not constitute best market practice that it is subject to change and new editions may be issued to incorporate such changes and that Ecclesiastical and Beyond Encryption Ltd. have no duty to provide such changes.

Description: ISO Energy is an Ecclesiastical preferred supplier, with extensive experience in providing sustainable heating and energy solutions across the country. With 17% of UK emissions produced by heating buildings, the national imperative to tackle this issue is growing ever stronger. With our access to cheap fossil fuel resources always dwindling, there’s no time like the present to begin transitioning to renewable heating solutions, such as heat pumps. However, misconceptions regarding the practicability of these solutions, their cost, and their incongruence with heritage site infrastructure continue to dissuade many clients from choosing them. In this episode, we talk about the advantages of heat pumps installations, and explain how these systems are an investment in the environment and contribute to the broader reduction of carbon emissions. Quote: “We've done lots of work for churches, and obviously you're thinking about where you're getting energy from the immediate land surrounding the church, most of like nine times out of 10, that's a graveyard. We’ve got a lot of big old country houses and I would like to highlight the fact that heat pumps primarily can work in all buildings. There's a common misconception that heat pumps only work in nicely insulated two up two down sort of domestic houses, but actually, with the right product selection, the right design and the right integration into the system in most cases, a heat pump system can be made to work.” Run time: 14.59 Resources: To find out more visit: ISO Energy Benefact Group – Understanding and reducing our own impact Benefact Group – Our Climate Commitments Heritage Risk Barometer Edward Levien’s LinkedIn Profile Adrian Saunders’ LinkedIn Profile About the Guest: Edward Levien is the Commercial Director of ISO Energy, an Ecclesiastical preferred energy supplier, which is primarily focused on renewable heating systems. About the Host: Adrian Saunders, Commercial Director at Ecclesiastical, is responsible for delivering Ecclesiastical’s UK intermediated business. Before joining Ecclesiastical, Adrian held senior roles at Marsh, Zurich and Hiscox. Away from insurance, Adrian is a self-confessed cycling addict. Combining his passions for charity giving and cycling, he previously raised funds for charity by completing London Ride100 three times and cycling across Vietnam and Cambodia.  Disclaimer This guidance is provided for information purposes and is general and educational in nature and does not constitute legal advice. You are free to choose whether or not to use it and it should not be considered a substitute for seeking professional help in specific circumstances. Accordingly, Ecclesiastical Insurance Office plc and its group companies (“Ecclesiastical”) and ISO Energy Ltd., shall not be liable for any losses, damages, charges or expenses, whether direct, indirect, or consequential and howsoever arising, that you or any third party suffer or incur as a result of or in connection with your use or reliance on or action taken (or not taken) by any other party, caused by that or any other person’s use of or reliance on the information provided in this guidance, except for those which cannot be excluded by law. In viewing the guidance, you acknowledge that over time the information provided may become out of date and may not constitute best market practice that it is subject to change and new editions may be issued to incorporate such changes and that Ecclesiastical and ISO Energy Ltd., have no duty to provide such changes.

Run time: 15 min Description: Most business-to-business (B2B) relationships are purely transactional, however, willingness to be vulnerable with other parties, and to work with them based on an assessment of their ability and credibility in their field, can result in a mutual value exchange and partnership development over time. In this episode, Dr Mark Hollyoake explains his concept of the ‘S’ Curve of Trust, along which businesses can move as they share more information about one another and thus become increasingly interdependent. Quote: ‘The more there's a common understanding and alignment, the more there is the sharing of plans and future aspirations that can make that initial transactional relationship far more immersive, and the two parties can work together for a common goal or a common good or for those mutual values.’ Resources: Customer Attuned – The ‘S’ Curve of Trust – https://customerattuned.com/b2b-trust/the-s-curve-of-trust-1000-x-550px/ Chris Withers’ LinkedIn Profile: https://uk.linkedin.com/in/chris-withers-ab77761b Dr Mark Hollyoake’s LinkedIn Profile: https://www.linkedin.com/in/markhollyoake/ About the Guest: Dr Mark Hollyoake is an associate lecturer at the University of the West of England. He is also co-founder and Director of a customer management consultancy, Customer Attuned Ltd. About the Host: Chris Withers is the Broker Distribution Director for Ecclesiastical Insurance, and has over 25 years of experience in the industry. He previously worked for Covea and RSA. Disclaimer This guidance is provided for information purposes and is general and educational in nature and does not constitute legal advice. You are free to choose whether or not to use it and it should not be considered a substitute for seeking professional help in specific circumstances. Accordingly, Ecclesiastical Insurance Office plc and its group companies (“Ecclesiastical”) and Customer Attuned Ltd., shall not be liable for any losses, damages, charges or expenses, whether direct, indirect, or consequential and howsoever arising, that you or any third party suffer or incur as a result of or in connection with your use or reliance on or action taken (or not taken) by any other party, caused by that or any other person’s use of or reliance on the information provided in this guidance, except for those which cannot be excluded by law. In viewing the guidance, you acknowledge that over time the information provided may become out of date and may not constitute best market practice, that it is subject to change and new editions may be issued to incorporate such changes and that Ecclesiastical and Customer Attuned Ltd. have no duty to provide such changes.  

Description: The new FCA Consumer Duty regulations will come into effect on the 31 July, affecting all open products and services in the financial services sector. Ecclesiastical have partnered with The Irrational Agency, a market research company specialising in behavioural economics, to help us acquire more in-depth customer insights and therefore assist our further compliance with the new regulations. In this episode, we discuss how Consumer Duty regulations will reinforce reviewing of financial firms’ product offers with the needs of our customers at the heart of it. With a better understanding of customers’ behaviours, firms will be able to improve their products and communications, resulting in providing better services for higher customer satisfaction. Quote: “For firms that are already doing the right thing like ecclesiastical, [the impact of Consumer Duty] may not be revolutionary, but it will be a change in understanding even better where consumers might need a bit of extra help… But there are firms in the industry whose business model will be more challenged and who will have to make bigger changes because their customers might not be getting such good outcomes.” Run time: 14.55 Resources: Ecclesiastical Consumer Duty Update The Irrational Agency Consumer Duty principles - webinar Consumer Duty - webinar What does Consumer Duty mean for brokers? - podcast Leigh Caldwell’s LinkedIn Profile Faith Kitchen’s LinkedIn Profile About the Guest: Leigh Caldwell is a Co-founder and Partner of the Irrational Agency, a market research agency which examines the overlap between psychology and economics, to help businesses better understand customer behaviour. About the Host: Faith Kitchen is Customer Segment Director at Ecclesiastical. Faith is responsible for developing and maintaining our products and propositions to meet the needs of our specialist target markets. She maintains relationships with a number of key bodies in the heritage, charity and education sector, to ensure we fully understand what is important to customers and can develop useful insight and thought leadership. Faith is a member of the Underwriting Leadership Team. In her spare time she serves as a Charity Trustee and a School Governor. Disclaimer This guidance is provided for information purposes and is general and educational in nature and does not constitute legal advice. You are free to choose whether or not to use it and it should not be considered a substitute for seeking professional help in specific circumstances. Accordingly, Ecclesiastical Insurance Office plc and its group companies (“Ecclesiastical”) and The Irrational Agency, shall not be liable for any losses, damages, charges or expenses, whether direct, indirect, or consequential and howsoever arising, that you or any third party suffer or incur as a result of or in connection with your use or reliance on or action taken (or not taken) by any other party, caused by that or any other person’s use of or reliance on the information provided in this guidance, except for those which cannot be excluded by law. In viewing the guidance, you acknowledge that over time the information provided may become out of date and may not constitute best market practice that it is subject to change and new editions may be issued to incorporate such changes and that Ecclesiastical and The Irrational Agency have no duty to provide such changes.  

Description: The Insurance Charities was established in 1902 and it’s the only charity in the UK and Ireland solely supporting current and former insurance employees whatever their role. Last year it awarded over £1.3m, supporting those in the insurance industry facing difficult times and life changing events. In this special episode, recorded for Insurance Charities Awareness Week, Adrian Saunders talks to Victoria Sutton about the support which can be provided to insurance employees and their families in times of financial hardship or misfortune. Quote: “[By organising the Awareness Week] we want people to think about people in their insurance networks that might be struggling, and think, actually, you know what, I'll just mentioned that charity to that person, because I think they could do with it.” Run time: 14.08 Resources: To learn more about the support available visit: The Insurance Charities Adrian Saunders’ LinkedIn Profile Victoria Sutton’s LinkedIn Profile About the Guest: Victoria Sutton, Marketing and Communications Manager at The Insurance Charities, charity offering support for current and former insurance employees and their dependants. About the Host: Adrian Saunders, Commercial Director at Ecclesiastical, is responsible for delivering Ecclesiastical’s UK intermediated business. Before joining Ecclesiastical, Adrian held senior roles at Marsh, Zurich and Hiscox. Away from insurance, Adrian is a self-confessed cycling addict. Combining his passions for charity giving and cycling, he previously raised funds for charity by completing London Ride100 three times and cycling across Vietnam and Cambodia. Disclaimer This guidance is provided for information purposes and is general and educational in nature and does not constitute legal advice. You are free to choose whether or not to use it and it should not be considered a substitute for seeking professional help in specific circumstances. Accordingly, Ecclesiastical Insurance Office plc and its group companies (“Ecclesiastical”) and The Insurance Charities, shall not be liable for any losses, damages, charges or expenses, whether direct, indirect, or consequential and howsoever arising, that you or any third party suffer or incur as a result of or in connection with your use or reliance on or action taken (or not taken) by any other party, caused by that or any other person’s use of or reliance on the information provided in this guidance, except for those which cannot be excluded by law. In viewing the guidance, you acknowledge that over time the information provided may become out of date and may not constitute best market practice that it is subject to change and new editions may be issued to incorporate such changes and that Ecclesiastical and The Insurance Charities, have no duty to provide such changes. 

Run Time: 12.20 mins Description Our broker survey* highlights that only 18% of brokers feel confident in advising clients about climate change. Yet, working with sustainable partners is becoming increasingly important for organisations across many sectors including heritage and education. Brokers have a significant role to play in supporting these organisations in making the right choices to become more sustainable. In this episode, we explain how we can support brokers in not only becoming climate-literate and setting Net Zero targets within their own brokerage, but why we're the perfect partner to work with to support clients in their ambitions to being more sustainable and what steps we're taking to tackle the climate crisis. *FWD Broker Climate Change Study 2023 Quote “Step one for brokers, and for everyone, is to understand the situation and the science and get the support of your business, your customers, and your partners, to come together to accept and face up to this challenge. That creates the right environment to really do something about it. Step two is to understand your impact specifically, and therefore your opportunity in detail. There's no point focusing on electrifying your fleet if you don't have any cars. Focus on where your impact really is, and then work out how you can do something about it. Brokers are skilled and trusted advisors, so they are at the frontline of understanding what customers need and the challenges that they face. I think this is where brokers will continue to play a hugely impactful role.” Resources BIBA - BIBA’s Broker’s Guide to ESG Benefact Group – Understanding and reducing our own impact Benefact Group – Our Climate Commitments Ecclesiastical Heritage Risk Barometer - Sustainability: The case gets stronger still Ecclesiastical - Things to consider when constructing contemporary buildings at your school Ecclesiastical – Practical actions towards Net Zero Ecclesiastical – Become carbon literate to become Net Zero Ecclesiastical – Risk Advice Line Ecclesiastical preferred energy supplier ISO Energy Faith Kitchen’s LinkedIn Profile Chris Pitt’s LinkedIn Profile   About the Guest Chris Pitt is the Impact Director at the Benefact Group. In this role, he is responsible for Ecclesiastical’s responsible business practices and leads the Corporate Responsibility strategy for the UK and overseas businesses.  About the Host Faith Kitchen is Customer Segment Director at Ecclesiastical. Faith is responsible for developing and maintaining our products and propositions to meet the needs of our specialist target markets. She maintains relationships with a number of key bodies in the heritage, charity and education sector, to ensure we fully understand what is important to customers and can develop useful insight and thought leadership. Faith is a member of the Underwriting Leadership Team. In her spare time she serves as a Charity Trustee and a School Governor. Disclaimer This guidance is provided for information purposes and is general and educational in nature and does not constitute legal advice. You are free to choose whether or not to use it and it should not be considered a substitute for seeking professional help in specific circumstances. Accordingly, Ecclesiastical Insurance Office plc and its group companies (“Ecclesiastical”), shall not be liable for any losses, damages, charges or expenses, whether direct, indirect, or consequential and howsoever arising, that you or any third party suffer or incur as a result of or in connection with your use or reliance on or action taken (or not taken) by any other party, caused by that or any other person’s use of or reliance on the information provided in this guidance, except for those which cannot be excluded by law. In viewing the guidance, you acknowledge that over time the information provided may become out of date and may not constitute best market practice that it is subject to change and new editions may be issued to incorporate such changes and that Ecclesiastical have no duty to provide such changes.  

Run time: 12.25 mins Description: The incidence of cause-related art attacks has grown rapidly in recent years, predominantly perpetrated by environmental activists such as Just Stop Oil and Extinction Rebellion. The significant media attention from these attacks inevitably increases the likelihood of copycat incidents. As such, any event featuring high-profile artwork or artefacts, be it held by a heritage location or leisure gallery or by a high-net-worth individual at their home, is now potentially at risk of attack. In this episode, we talk about what heritage and leisure organisations and private collectors can do when planning events to deter potential attackers, as well as explain how brokers can help to support their clients to ensure these pieces are preserved for future generations.  Quote: “From a broker perspective, it is about engaging with the customers, to highlight the potential risk of attack, to share with them some of the good practice, to liaise with insurers, so that where their clients are planning these events, they can start to have that conversation with insurers and get advice and support. We have an in-house team of risk surveyors [at Ecclesiastical] that can provide advice and support; we have a risk advice line that's open to our customers. So, brokers that have policies with us and their customers can access that information to provide helpful additional advice.” Resources: Protecting public artwork and exhibits Heritage Risk Barometer - Crime and punishment: Heritage pays the price Art and Private Client Insurance Fine Art and Collections Insurance Risk Advice Line  David Parkinson’s LinkedIn Profile Faith Kitchen’s LinkedIn Profile   About the Guest: David Parkinson is the Risk Management Technical Services Manager for Ecclesiastical. In this role, he leads an in-house team of technical specialists providing customer support and risk insight, to help them manage the risks they face on a daily basis. About the Host: Faith Kitchen is Customer Segment Director at Ecclesiastical. Faith is responsible for developing and maintaining our products and propositions to meet the needs of our specialist target markets. She maintains relationships with a number of key bodies in the heritage, charity and education sector, to ensure we fully understand what is important to customers and can develop useful insight and thought leadership. Faith is a member of the Underwriting Leadership Team. In her spare time she serves as a Charity Trustee and a School Governor.   Disclaimer This guidance is provided for information purposes and is general and educational in nature and does not constitute legal advice. You are free to choose whether or not to use it and it should not be considered a substitute for seeking professional help in specific circumstances. Accordingly, Ecclesiastical Insurance Office plc and its group companies (“Ecclesiastical”), shall not be liable for any losses, damages, charges or expenses, whether direct, indirect, or consequential and howsoever arising, that you or any third party suffer or incur as a result of or in connection with your use or reliance on or action taken (or not taken) by any other party, caused by that or any other person’s use of or reliance on the information provided in this guidance, except for those which cannot be excluded by law. In viewing the guidance, you acknowledge that over time the information provided may become out of date and may not constitute best market practice that it is subject to change and new editions may be issued to incorporate such changes and that Ecclesiastical have no duty to provide such changes.

Description: With this year’s BIBA Conference just around the corner, Steve White returns for the latest episode of Covered in 15. While the annual event constitutes the majority of headlines relating to BIBA, much of the organisation’s activities to support its members are listed in the BIBA Manifesto. It is collated through conversations across the country, granting members a voice in Westminster, where BIBA is lobbying the government to support their members’ interests. To find out more, read this year’s BIBA Manifesto, linked below in the ‘Resources’ section. Quote: “In the Manifesto, we set out the issues, we set out our calls for action, things we want, and what we want the decision makers, whether they be the regulator, the civil servants, the politicians, etc, to do. We also set out a number of commitments for what we will do to help resolve the problem. That combination of suggesting solutions, calling for action, our commitments to put things right, all done in a transparent way, is what makes the Manifesto a very well received document down at Westminster.” Run time: 14.36 Resources: BIBA’s 2023 Manifesto: https://www.biba.org.uk/press-releases/biba-aims-to-manage-risk-and-deliver-stability-in-its-comprehensive-2023-manifesto/ Steve White’s LinkedIn Profile: https://uk.linkedin.com/in/steve-white-437107a Adrian Saunders’ LinkedIn Profile: https://www.linkedin.com/in/adrianksaunders/ About the Guest Steve White is the CEO of the British Insurance Brokers Association (BIBA), with an extensive career in the insurance industry. He previously worked at Orion Insurance Company and the Financial Services Authority, before initially joining BIBA as Head of Compliance and Training. About the Host Adrian Saunders, Commercial Director at Ecclesiastical is responsible for delivering Ecclesiastical’s UK intermediated business. Before joining Ecclesiastical, Adrian held senior roles at Marsh, Zurich and Hiscox. Away from insurance, Adrian is a self-confessed cycling addict. Combining his passions for charity giving and cycling, he previously raised funds for charity by completing London Ride100 three times and cycling across Vietnam and Cambodia. Disclaimer This guidance is provided for information purposes and is general and educational in nature and does not constitute legal advice. You are free to choose whether or not to use it and it should not be considered a substitute for seeking professional help in specific circumstances. Accordingly, Ecclesiastical Insurance Office PLC and The British Insurance Brokers' Association shall not be liable, shall not be liable for any losses, damages, charges or expenses, whether direct, indirect, or consequential and howsoever arising, that you or any third party suffer or incur as a result of or in connection with your use or reliance on or action taken (or not taken) by any other party, caused by that or any other person’s use of or reliance on the information provided in this guidance, except for those which cannot be excluded by law. In viewing the guidance, you acknowledge that over time the information provided may become out of date and may not constitute best market practice, that it is subject to change and new editions may be issued to incorporate such changes and that Ecclesiastical and The British Insurance Brokers' Association has no duty to provide such changes.