Konsileo - Staffordshire & Midlands

22/07/2025

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We mentioned a few weeks that we had some exciting news coming with one of our most prestigious clients Trentham Monkey Forest…..

Well, today was finally the day that we were able to present the team at TMF with their very own 5ft tall hand made monkey sculpture which has taken pride of place at the main entrance to the forest.

As a trusted advisor to Trentham Monkey Forest, Konsileo Staffordshire wanted to show our support by giving something truly unique that would capture the spirit of the monkey forest coupled with something that would last a lifetime.

The incredible sculpture was handmade by a local artist called Ashley Wood who is the owner of Woodys Workshop. Firstly, we would like to give a huge thanks to Ash and his team for creating something quite magical and secondly thank you to all the team at the monkey forest for trusting us to create something so special for you.

We think it’s pretty special and so glad you were thrilled with it!

Trentham Monkey Forest
Woody’s workshop
Konsileo
Adam Ashworth

10/10/2024

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Need we say anymore….?

What an amazing achievement to be recognised as the commercial lines insurance broker of the year. We’re doing broking the right way, building proffesional relationships where our clients feel looked after, well advised and above everything else the feedback we get from our clients is that they TRUST us! 🤷🏻‍♂️

Well done to everyone at Konsileo we are very proud to be part of such a great organisation!






Adam Ashworth
Ben Wainwright
Stuart Toon

10/05/2024

Morning Facebook, the tragic fire yesterday coming out of the West Midlands with the huge fire at a Cannock industrial unit. The cause of the fire is unknown at present as the fire brigade are still trying to put out the blaze.

A lot of fires similar to this are caused by an electrical fault….

‼️Why is so important for your business to have an upto date IEE electrical certificate and what are they?

“IEE certification relates to BS 7671, which are the requirements for electrical installations. An IEE is a part of an EICR report. IEE certificates are issued upon successful testing and of electrical installations. This is required by businesses and organisations, as well as landlords”

Every commercial business In the UK trading from a premises should have an upto date IEE certificate. This will be a condition of any commercial insurance policy where trading from a premises is involved.

Although insurers require this certificate to be in place, it is law in the UK to have one.

We visited a client yesterday who hadn’t had one done for 8 years….he has a company there today to carry out a survey of his electrics and hopefully provide him with an update to date certificate.

Not only does it invalidate your insurance if you don’t have one but in the event of a fire at your premises, you as a business could be subject to legal proceedings….! It is really not worth the risk.

🫵If you haven’t, get one sorted asap to protect yourself and your business!

We spare our thoughts for all involved in the terrible fire at Cannock and wish everybody safety 🙏

08/05/2024

🤦🏻‍♂️Todays Update:

👨‍💼 New business Meeting Today - Precision Engineer - £1,000,000 turnover - manufacturing parts for JLR & Rolls Royce

🤿Deep dive into the business and cover currently in place…..

❌1) Policy schedule specifies the business don’t “do any manufacturing”…….They manufacture and precision engineer parts for Rolls-Royce and JLR……🤦🏻‍♂️

❌2) Haven’t had a visit from their broker for 4 years.

❌3) Buildings sum insured underinsured by 40%

❌4) Business interruption gross profit figure and indemnity period both hugely under insured by more that 60%

❌5) Machinery insured at £320,000…..when asked how much it would cost to replace the 12 machines they own….client advised each machine would cost £100,000 to replace…..

❌6) No directors and officers cover in place….client didn’t even know what it was!!!! 🤷🏻‍♂️🤦🏻‍♂️

📖Moral of this story…We will win this client and they will be a client of ours for a very long time.

In an industry that is heavily regulated, we can’t quite believe this type of lazy broking still exists….but we’re not complaining…better advice, better cover, better education = client for life 🤝✅

If any of the above resinates then get in touch 👇

02/05/2024

🏅 What sets us apart from other brokers is a question we get asked frequently….Fundamentally this is why we are having so much success of late.

🧙‍♂️It’s our ability to give our clients a far more personal, educational and responsive proposition that many other brokers have simply lost as a result of large growth or acquisition.

🟢Here at Konsileo Staffs we:

📚Educate our clients on how to make better decisions. We educate on policy terms, coverage limits and risk management. In turn this knowledge then empowers our clients to choose wisely and make the right decisions to protect their assets and mitigate risks.

🤿Fully immerse ourselves into a client’s business and its operations. We take the time to understand your revenue streams, assets, and potential liabilities. This understanding allows us to effectively tailor insurance requirements.

💬To summarise……Konsileo Staffs are not just a transactional intermediary….we are a strategic partner. By becoming an integral part of your business we ensure comprehensive protection, informed decisions, and peace of mind.

🫵 So, if you’re a business owner or someone who has the responsibility of insurance and risk management placement….your missing out if your not talking to us it’s that simple…..

Stuart Toon
Ben Wainwright

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29/04/2024

☎️ Manufacturing connections take a 👀

‼️ Underinsurance is the hot topic of conversation at the moment and we thought we would explain in simple terms what this means for the manufacturing industry and try our best to explain average and how this could impact your business 🫵

🤨So, What Is Underinsurance?

➡️To put it simply Underinsurance occurs when a business has inadequate insurance coverage for its needs. Imagine a scenario where a company faces a significant loss due to fire, theft, or other disasters. If their insurance coverage falls short, they may not receive the full compensation they need to recover.

➡️Common areas of underinsurance in manufacturing include property, stock, equipment, business interruption.

The big ❓……What happens when you are underinsured….

‼️‼️‼️The Average Clause Explained‼️‼️‼️

This clause appears in insurance policies and has a critical role. When a business is underinsured, the insurer can apply the average clause.

Here’s how it works….bare with us 🤣

✔️Valuation: If a company’s assets (such as buildings, machinery, or inventory) are insured for less than their full replacement value, they are at risk of being underinsured.

✔️Proportionate Loss: When a claim occurs, the insurer calculates the proportion by which the assets were underinsured. The policyholder then bears a share of the loss based on this percentage.

✔️Maximum Payout: In case of a total loss (e.g., complete destruction of a property), the maximum payout the policyholder can receive is the sum insured. However, if the assets were underinsured, the actual payout will be reduced significantly.

Why It Matters for Manufacturers💡

For manufacturers, the average clause can have significant consequences. If a factory, for instance, is insured for less than its true value, a major incident (like a fire) could lead to financial strain. Adequate insurance is essential to protect against unexpected losses and maintain business continuity.

In summary, manufacturers have a duty of care to ensure accurate valuations, review policies carefully, and avoid falling into the underinsurance trap. The average clause serves as a reminder that proper coverage matters for long-term resilience…….and that’s where we come in.

🤝Let Konsileo Staffs become integral advisors within your business and we will ensure underinsurance is iradicated protecting your businesses most valuable assets!

Adam Ashworth
Ben Wainwright
Stuart Toon

25/04/2024

✅ We have this week received another glowing testimonial from one of our most cherished clients.

🐕 ANCOL PET PRODUCTS LIMITED and in particular MD Jonathan Lane, we just wanted to take the opportunity to thank you for your feedback.

🙏 Again, its the feedback we receive from our clients which drive us to be the best we can be and provide an unrivaled advice and service proposition to our clients.

🔈 Jonathan's comments on Konsileo Staffordshire and Ben Wainwright Cert CII.....

“We have been using Konsileo for the past 2 years, and Ben Wainwright previously for approximately 8 years. Ben goes above and beyond with all his dealings and has a professional attitude but with a friendly manner that makes him an absolute pleasure to do business with. His knowledge and advice have been head, and shoulders above any previous brokers I have dealt with over the 30 years I have been in this role, nothing is ever too much trouble, and honesty goes a very long way. When choosing the levels of cover, or if budget is priority, Ben makes sure we get the best for the budget given but is not afraid to make us aware if we have any shortcoming or overs on cover. When we discuss renewals, we are always presented with various comparisons, and we always go with his recommendations as his expert advice is acknowledged”. “Professionalism and trust goes a long way.“

Jonathan Lane Managing Director, Ancol Pet Products Ltd

👏 Amazing feedback for Konsileo Staffordshire and outstanding feedback for Ben! Well done! 👏

⏱ No time like the present, get in touch should you want this same level of dedication, trust and advice from your insurance broker ⬇

Ben Wainwright
Stuart Toon
Adam Ashworth

22/04/2024

🙌 🙌🙌 Don’t just take our word for it…

🌟 We’ve recently had a glowing testimonial from one of our existing clients Trentham Monkey Forest 🐒

Matt Lovatt Director of Trentham Monkey Forest left us the following review.

“As a client of Konsileo Staffordshire, we found the level of care and service the team give us unparalleled. Our unique proposition operating within the leisure and tourism sector, as a primate walk-through, has benefited from the close relationship with the team at Konsileo Staffordshire. We trust them to look after our business insurances in the knowledge that they have our best interest at heart. I cannot recommend the team highly enough”

🙏Well firstly, we wanted to say a massive thank you to Matt and the team at TMF.

💼It’s receiving reviews and comments like this which make our job whole heartedly worth while.

🤝 If you are a business that have unique requirements from an insurance perspective and you would like to see and hear how we differ from the other brokers then as always just get in touch 👇

😇We pride ourselves on good honest advice to mitigate risks and our existing clients say that we are integral to their businesses!

Adam Ashworth
Trentham Monkey Forest
Ben Wainwright
Stuart Toon

19/04/2024

‼️Watch out, not all is as it seems...

👇Here are three examples of policy errors we have found this week alone...

♻️Trade Waste Condition – the condition on the policy stipulated that no fire claim would be paid if all oily and greasy waste was not removed from the building daily.
This is not a practical condition of which the client can comply with.
Solution: We held a discussion with the insurer’s loss control team and underwriters, to work with them, to find a resolution of which all parties are happy with, and an agreement has been reached ensuring the client can comply to terms.

📋Incorrect Business Description – the clients business description was noted as a “plumber” the clients actual trade was installation of sprinklers and fire compression systems.
The cover and ratings are hugely different between the two but as the client could not find the exact business description on a comparison site he used the one he deemed closest. In the event of a claim there is a high probability that this would not be paid.
We took the time to understand the clients needs and activity split, we then placed the business through a specialist insurance company who provide various additional benefits relating to his trade.

👷‍♀️Manual Work Away Exclusions – A metal fabricators liability excluded any manual work away.
The current broker did not fully understand the clients process, as well as manufacturing they also offer installation services.
The issue was identified and rectified by clarifying the actual split of activity, removing the exclusion and extending the liability to cover work away.

🚨A cheap online policy is not always the best solution for your business, the onerous is on you, as the client to submit the correct information. We appreciate you are not insurance experts and therefore we take the time to go through every detail to ensure our quotations and terms are fully transparent, so all parties understand the cover, the exclusions and conditions.

If you can relate to any of the above and if you would like some advice, get in touch with a team of professionals who have your businesses best interest at heart 👇

15/04/2024

💥Good Afternoon, we hope you all had a great weekend. Thank you for those already following our new page Konsileo Staffordshire.

This is officially our first ever Facebook post as a team of 3 and we thought we would introduce ourselves and give you an insight to who we are and what we do 👀

💼 We are three professional commercial insurance brokers who pride themselves on doing the right thing for our clients. Honest, personal and friendly advice is our mantra with our ultimate aim of becoming integral figures within our clients businesses. We have a combined 40 years plus experience helping clients with their commercial insurance requirements and our existing portfolio of clients have described us as attentive, responsive and always feel that we are there when we are needed.

🌳 We are just starting out in this journey by combining our years of experience to make a difference and distrupt the commercial broking world in Staffordshire, the West Midlands and nationally, with far too many brokers placing business where the insurer/broker relationship earns them more 💴…..that’s not us. We have no tied relationships and enhanced commissions with any insurers…What does this mean for our clients? This effectively means without limitations we can place your programme with exactly who we think best covers you and provides the best value for money.

3️⃣So, here we are, Ben with lots of hair and then you have Adam and Stu….the boiled eggs of the team 🥚

🎥 We’re live and writing business daily so If you need any advice, want to pick our brains about something, your not getting the service from your existing broker or your concerned your paying far too much for your insurances then get in touch….our contact details are 👇

Have a great Monday 😁

12/04/2024

If any of my connections have any spare money to help out my sister and brother in law it would be greatly appreciated. They are absolutely heart broken at the prospect that they are faced with as their beloved dog Olive has a terrible condition that is so expensive to try and fix.

Anything you can spare will help them massively,

Thank you so much 🙏🐶

Hi my name is Lauren and I am desperately tryi… Lauren Oliphant needs your support for Help with Olive’s Vet Bills for Spinal Surgery & Recovery

14/11/2023

💥 A great start to the week for Konsileo Staffs. We have recently been appointed as the broker for the very well known tourist attraction Trentham Monkey Forest.

The monkey forest is situated in an ancient Staffordshire forest and speaking from experience is a superb day out for all.

We would like to formally welcome them to Konsileo family and we are looking forward to working with you for many years to come as your trusted advisor.

Adam Ashworth
Ben Wainwright
Stuart Toon





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