Bromwall Ltd

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Bromwall Ltd Commercial Insurance Brokers

We specialise in commercial and industrial insurance providing a first class service to clients clearly explaining all aspects of their insurance cover.

We all know now that England has just recorded its hottest summer on record.What interested me was not the temperature i...
13/10/2026

We all know now that England has just recorded its hottest summer on record.

What interested me was not the temperature itself, but how quickly people adapt.

A few years ago, weather like this would have felt extraordinary. Today, businesses seem to adjust almost without thinking. Fans appear, working patterns change, people carry water bottles everywhere and conversations move on.

It made me wonder how many other changes we have quietly adapted to over the years. Hybrid working. AI. Video meetings. Online banking (when it works!). Things that once felt unusual now feel completely normal.

Perhaps one of the strengths of both people and businesses is their ability to adapt without making (too much) fuss about it.

The challenge, I suppose, is recognising which changes are worth adapting to and which are worth questioning.

What have you become accustomed to in business that would have seemed unusual ten years ago?

Did you know?Many businesses think about the impact of a fire, flood or other insured event happening at their own premi...
06/10/2026

Did you know?

Many businesses think about the impact of a fire, flood or other insured event happening at their own premises.

Far fewer consider what would happen if it happened to one of their key suppliers or customers.

Many Business Interruption policies can include a Customers and Suppliers extension, which is designed to protect businesses where an insured event affects a key trading partner and results in a loss of income.

For example, if a major supplier suffers a fire and can no longer provide products or a key customer experiences damage and can no longer trade, the financial impact can quickly spread beyond the business directly affected.

Like many insurance extensions, it is often overlooked until it is needed.

It is worth understanding who your business relies upon and whether your insurance arrangements reflect those dependencies.

A simple question to consider:

Could your business continue to operate smoothly if one of your key suppliers or customers suddenly could not trade?

Call us on 01707 883377 or email me on [email protected]

What Is the Most Overlooked Risk in Business?Cyber remains the number one concern for UK businesses, followed by busines...
29/09/2026

What Is the Most Overlooked Risk in Business?

Cyber remains the number one concern for UK businesses, followed by business interruption and regulation changes.

That got me thinking. The biggest risks are rarely the ones people overlook. They are talked about regularly and usually have someone's attention.

The more interesting question is this:
What is the most overlooked risk in your business?

It might be reliance on one key person. It might be ageing systems. It might be a supplier that nobody has a backup for.

Every business has something that quietly sits in the background until it becomes important.

I would be interested to hear what others think.

If you would like an overview of your current insurance cover, please let me know. Call me on 01707 883377 or email me on [email protected]

We seem to expect everything instantly these days.Instant quotes. Instant replies. Instant delivery. Instant answers....
22/09/2026

We seem to expect everything instantly these days.

Instant quotes. Instant replies. Instant delivery. Instant answers.

Convenience is a wonderful thing and technology has undoubtedly made life easier in many ways. Yet I wonder whether speed has become more important than quality.

A quick answer is not always the best answer. A fast decision is not always the right decision.

Some of the most important conversations in business still take time.

Understanding a problem, considering the options and asking the right questions rarely happens at the push of a button. Perhaps one of the reasons we value experience is that it teaches us when to slow down.

In a world that seems to move faster every year, there is probably still something to be said for taking a little more time to think. While getting quick insurance quotes is great, if you allow more time for your broker to obtain quotes, the better the advice and rates are going to be.

Please allow some time!

Call us on 01707 883377 or email me on [email protected]

A thank you to the team at Cobra Network for a very well organised and extremely useful conference in Celtic Manor, Wale...
15/09/2026

A thank you to the team at Cobra Network for a very well organised and extremely useful conference in Celtic Manor, Wales. Many insurers present and it was great to reconnect with new and old faces.

If you are not in a network or you are not happy with the one you are in, take a look at Cobra or speak to someone (like me) who is in it.

Great time had and Cobrafest was great too!

08/09/2026

Its hard to get my head around this but its a year already since the last Cobra Conference and here it is again! So who is going this year? I would like to catch up with everyone so please let me know who will be there on Thursday.

Looking forward to it....

Maybe it is just me, but it feels like we spend more time communicating than ever before and yet still struggle to get s...
01/09/2026

Maybe it is just me, but it feels like we spend more time communicating than ever before and yet still struggle to get simple answers.

Emails, messages, portals and online forms all have their place. They can be incredibly efficient.

What I find interesting is how often a five-minute phone call achieves more than twenty email exchanges.

There is something about speaking to someone directly that removes misunderstanding and helps decisions move forward. Technology has undoubtedly improved the way we work and rightly so. I am not suggesting we go backwards. I do wonder whether we sometimes overlook the simplest option because it feels old-fashioned.

A quick conversation still solves a surprising number of problems.

Do you prefer email or a phone call when something genuinely needs sorting out?

Call us on 01707 883377 or email me on [email protected]

We seem to be entering a world where almost every business process can be automated.The question I keep coming back to i...
25/08/2026

We seem to be entering a world where almost every business process can be automated.

The question I keep coming back to is this:

As technology gets better at providing answers, does experience become more valuable because it knows which questions to ask?

Interested to hear what others think.

Contact us on 01707 883377 or email me on [email protected]

My thought of the day.One thing I have noticed over the years is that people rarely regret asking a question.They often ...
18/08/2026

My thought of the day.

One thing I have noticed over the years is that people rarely regret asking a question.

They often regret not asking it sooner.

Got any questions? Call us on 01707 883377 or email me on [email protected]

We are now more than halfway through the year, which makes it a good time to pause and reflect.Back in January, many bus...
11/08/2026

We are now more than halfway through the year, which makes it a good time to pause and reflect.

Back in January, many businesses set budgets, goals and plans for the year ahead. Eight months later, reality often looks a little different. New opportunities appear, priorities change and unexpected challenges have a habit of finding their way onto the agenda.

That is not necessarily a bad thing. In business, the ability to adapt is often more valuable than sticking rigidly to a plan that no longer fits.

I find this time of year is useful for asking a few simple questions. What has gone well? What has changed? What needs more attention before the year gathers pace again?

Sometimes a short period of reflection provides more value than rushing straight into the next task.

If one of your tasks is reviewing your insurance, give me a call. Call us on 01707 883377 or email me on [email protected]

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Hatfield
AL108FF

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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