HWH Insurance Brokers

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HWH Insurance Brokers HWH Insurance Brokers specialise in commercial business insurance and mid/high net worth personal

A bad debt does not only affect the invoice that remains unpaid.It can affect the wider budget, planned investment and t...
15/10/2026

A bad debt does not only affect the invoice that remains unpaid.

It can affect the wider budget, planned investment and the cash available to meet other commitments.

For businesses operating on relatively tight margins, replacing a substantial unpaid invoice can require considerably more new sales.

Trade Credit Insurance can help remove some of that uncertainty by protecting insured debts and supporting a more predictable approach to cashflow planning.

Imagine one of your largest customers enters administration tomorrow.There may already be several invoices outstanding, ...
13/10/2026

Imagine one of your largest customers enters administration tomorrow.

There may already be several invoices outstanding, goods delivered and further orders in production.

The effect can travel quickly through your own cashflow.

Trade Credit Insurance is designed to protect businesses against customer non-payment and can be particularly relevant where a significant proportion of turnover is concentrated among a small number of accounts.

Sometimes the risk is not how many customers you have, but how much depends on one of them.

https://www.hwh-insurance.co.uk/credit-insurance/

Making the sale is only part of doing business. Getting paid is what turns that sale into cashflow.Long payment terms an...
09/10/2026

Making the sale is only part of doing business.

Getting paid is what turns that sale into cashflow.

Long payment terms and overdue invoices can place pressure on wages, suppliers and investment even when the company appears busy.

Good credit control helps, but some debts become difficult because the customer itself is in financial trouble.

Understanding the potential impact of non-payment is an important part of protecting the financial resilience of a growing business.

Winning a large new customer can feel like an immediate success.But if that customer wants substantial credit terms, the...
07/10/2026

Winning a large new customer can feel like an immediate success.

But if that customer wants substantial credit terms, the business is also taking on financial exposure.

Trade Credit Insurance can provide access to information that helps businesses establish appropriate credit limits based on a customer’s financial position.

That can make credit control more informed and give businesses greater confidence when deciding how much exposure they are comfortable accepting.

Growth is important. Knowing who you are extending credit to matters too.

https://www.hwh-insurance.co.uk/credit-insurance/

Businesses insure buildings, machinery, vehicles and stock because their value is obvious.But for many companies, one of...
01/10/2026

Businesses insure buildings, machinery, vehicles and stock because their value is obvious.

But for many companies, one of their biggest assets cannot be seen at all.

The money customers owe through unpaid invoices can represent a substantial proportion of the balance sheet.

Trade Credit Insurance is designed to protect businesses against customers failing to pay trade debts, helping safeguard cashflow and profitability when an account becomes insolvent or defaults.

https://www.hwh-insurance.co.uk/credit-insurance/

Good risk management isn’t just about insurance policies. It’s also about planning ahead. Business continuity planning h...
28/09/2026

Good risk management isn’t just about insurance policies.

It’s also about planning ahead.

Business continuity planning helps organisations think through how they would continue operating after disruption such as flooding, cyber attacks, power cuts, or supply chain problems.

https://www.hwh-insurance.co.uk/risk-management/

Insurance Myth: "cheapest means best value".When comparing business insurance, it’s easy to focus on the headline premiu...
24/09/2026

Insurance Myth: "cheapest means best value".

When comparing business insurance, it’s easy to focus on the headline premium. But two policies with similar names can offer very different levels of cover, limits, exclusions and support when you need to make a claim.

A cheaper policy may save money today, but the real test of insurance is whether it provides the protection your business needs when something goes wrong.

That’s where good broking advice can make a difference - looking beyond the price to understand what you’re actually buying.

Retail businesses face a wide range of challenges including stock management, rising costs, staffing pressures, customer...
21/09/2026

Retail businesses face a wide range of challenges including stock management, rising costs, staffing pressures, customer safety, and business interruption risks.

Every retail environment operates differently, which is why tailored advice and properly structured cover matters.

https://www.hwh-insurance.co.uk/retail-insurance/

Meet Zoe Holman, HWH’s Operations Director.Zoe brings extensive operations and management experience to HWH, having led ...
17/09/2026

Meet Zoe Holman, HWH’s Operations Director.

Zoe brings extensive operations and management experience to HWH, having led a wide variety of teams, departments and projects during more than 17 years working across the Universities of London and Exeter.

Her experience ranges from implementing new systems and processes to managing major events and overseeing complex projects - all with a strong focus on making sure things work effectively for both teams and clients.

Outside work, Zoe enjoys swimming, yoga, cycling and walking - although life with three very big and very bouncy Boxer dogs probably provides plenty of exercise too!

Directors and senior decision-makers can sometimes be held personally liable for certain business decisions and actions....
14/09/2026

Directors and senior decision-makers can sometimes be held personally liable for certain business decisions and actions.

Directors & Officers insurance is designed to help protect individuals if claims are brought against them in relation to the management of the business.

It’s an area many smaller businesses overlook.
Find out more 👉🏼 https://www.hwh-insurance.co.uk/directors-officers-insurance/

Address

-
Paignton
TQ31RR

Opening Hours

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

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