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Birmingham: + 44 (0) 121 452 8450
London: + 44 (0) 207 983 9039
Leominster: + 44 (0) 156 831 3313
Kidderminster: + 44 (0) 1562 215215
Dudley: +44 (0) 1384 900500
Leicester +44 (0) 116 303 3372
insurance brokers Birmingham, insurance brokers London, risk management insurance brokers Birmingham, insurance brokers London, risk management insurance brokers Birmingham, insurance brokers London, risk management
Birmingham: + 44 (0) 121 452 8450
London: + 44 (0) 207 983 9039
Leominster: + 44 (0) 156 831 3313
Kidderminster: + 44 (0) 1562 215215
Dudley: +44 (0) 1384 900500
Leicester + 44 (0) 116 303 3372

UK Plc

UK Plc is looking good according to the latest National Summary of Business Conditions in the UK, as reported by the Bank’s Regional Agents. The one blot on the landscape is manufacturing which has seen a slow down although on a positive note for the sector, material costs were down year on year.  The service sector, conversely, remains buoyant.

The strength of sterling allied to weaker overseas demand affected exports and also served to increase competition domestically from businesses abroad.

Consumer spending edged higher; housing activity increased (albeit modestly) and credit availability remained good for most businesses.

There remains grounds for optimism and certainly Carpet manufacturingin, and around Birmingham, the feel good factor is still prevalent.

 

 

 

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Base Rate

Base Rate has been held at 0.5% for another month.  According to the MPC, the outlook for global growth has weakened as may emerging market economies have slowed markedly.  As a result of this, the MPC expects the pace of UK-weighted global growth to be more moderate than previously expected.

Domestically, however, consumer confidence is remains firm and real income growth is expected to be the strongest since the crisis.

It would appear that when Bank Rate does begin to rise, it will do so more gradually and to a lower level than in recent cycles.

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Department for Business, Innovation and Skills to target late payments

The Department for Business, Innovation and Skills  is to target late payments in its latest initiative to crack down on businesses, particularly larger ones, that fail to pay small suppliers.  The news that the government, through BIS (Department for Business, Innovation and Skills), has launched a consultation paper to help eradicate late payment is very welcome.  Small firms, according to BIS, are owed approximately £2.8 billion in late payments – that is a staggering figure.  For SME’s, it can be the deciding factor in business failure. For a company operating on a 10% profit margin, the late payment or loss of a £10,000 debt necessitates further sales of £100,000 to stand still.  BIS calculates that, on average, small businesses are owed £31,901 in overdue payments – a fact that is crippling SMEs nationwide.
Let’s hope this not another ‘talking shop’ and that the touted appointment of a small business commissioner to tackle the whole issue of late payments actually happens and that said appointment has ‘teeth’. Late payment is a serious issue for small businesses and can cause serious cash flow problems.
At Jobson James, we can provide solutions to fit all types of SME and we can also arrange cover for both domestic and export trading.  Don’t give yourself sleepless nights.  Call Dan Nixon now on 0121 452 8740 or e mail him at daniel.nixon@jobson-james.co.uk
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What to Know before Buying Home Insurance

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Taking out home insurance may not be something you think about every day.

However, if you are a first-time buying or an existing policy is approaching for renewal, there are a few points that ou may want to tick off which could help make your life easier!

Below, we’ve listed a few things to know prior to buying home insurance.

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MIPIM London 2015

MIPIM London 2015 took place last week – – and Jobson James was there.  The UK’s largest exhibition and conference for property professionals, the three day event is an industry showcase and a ‘must attend’ for those in the property world. Jon Parry, pictured,  flew the Jobson James flag and he confirmed that the Show more than met his expectations.

Jon Parry

Jon Parry

 

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2015 Big Brum Quiz

 

Jon Parry, left, with Amy Burton and Indi Sidhu and Graeme McDougall also of Jobson James far right

Jon Parry, left, with Amy Burton and Indi Sidhu and Graeme McDougall also of Jobson James far right

The 2015 Big Brum Quiz, the fourth in total, took place last week at Revolution Bar in Broad Street. Jobson James is delighted to sponsor this event which is in aid of the Brain Tumour Charity – such a worthwhile cause.

The fun evening sees accountants, lawyers and surveyors from Birmingham pit their wits against one another.  32 teams answered questions on current affairs, music, sport, geography, TV and film and music intros in a quiz organised by Indi Sidhu of Knight Frank with help from Amy Burton of Baker Tilly.

A wonderful £1350 was raised for the Brain Tumour Charity.

In a hard fought and close battle, the team from surveyors DBK emerged victorious.

Pictured from left to right are:Jon Parry, Jobson James, Amy Burton Baker Tilly, Indi Sidhu, Knight Frank and Graeme McDougall, Jobson James.

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The Handling of Personal Information

The handling of personal information has long been a contentious area.  Last week European judges made two landmark rulings changing where, and how, the personal information of EU citizens is handled.

The first concerned a Slovakian owned Hungarian property website that breached privacy laws by passing on customer details to debt collectors. Previously, companies trading in multiple EU states were subject to regulation only in the state where their European HQ was based (so, for example, with Facebook that would be Dublin).

However, as a result of the ruling, companies will now have to comply with the local data protection rules of every EU state that they trade in.  This change will not only lead to increased overheads and legal costs for companies but could significantly impact upon their insurance cover, cyber risk and current cyber policies.  Some policy holders may well now find themselves without cover from jurisdictions whereas previously they had expected to be protected.

The ramifications for companies and the insurance industry are huge.

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Booming Birmingham

‘Booming’ Birmingham certainly is.  Indeed, it is on the rise – literally – and business confidence is high.   New developments, backed by new investors, are ‘on the go’ and cranes adorn the skyline.  Office stock is changing hands as investor and occupier confidence has returned.  Indeed, according to Knight Frank, Birmingham has more Grade A enquiries for offices than any other regional city.  Birmingham property investment is booming.

 

Infrastructure wise, the high profile development at New Street Station has led to shoppers flocking into the City and that allied to the recent ‘mega’ weekend of World Cup rugby, Arts Festival and Michael McIntyre has led to millions of pounds boosting the local economy.

 

Birmingham is buzzing and Jobson James as a company is proud to be based here, working with local businesses to cement their future and ours as Birmingham’s leading independent insurance broker.

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Big Brum Quiz 2015

Big Brum Quiz 2015, a night in which lawyers, surveyors and accountants pit their wits against each other, takes place tomorrow night.  Now in its fourth year, it is yet again a ‘full house’.  Will GVA and Hamer Associates be able to hang on to their crown – or will they be toppled? Come what may, a good night is assured and the Brain Tumour Charity will benefit.  As usual, Indi Sidhu of Knight Frank is the question master – and the fun starts at 6pm tomorrow at Revolution on Broad Street.  Jobson James is delighted to sponsor such a fun and worthwhile event.IMG_4811-ZF-5114-92112-1-001-007 IMG_4910-ZF-5114-92112-1-001-033 IMG_4892-ZF-5114-92112-1-001-029IMG_4803-ZF-5114-92112-1-001-003

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