Business Direction 76 by Distinctive Media Group Ltd

Net Zero Herefordshire & Worcestershire Chamber of Commerce

Issue 76 | November/December 2023

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Contents

Sharon Smith Chief Executive

Chamber News

Chair’s Report

Business News

Policy

Business News

Net Zero

Chamber Training

26-27

Big Interview

28-29

In a time of urgent need for sustainability and environmental responsibility of businesses, we are thrilled to present an edition of Business Direction that offers strategies and advice for businesses to embark on the path towards sustainability and achieving Net Zero emissions.

Cover Features

30-31

Events

Two Counties

The Herefordshire & Worcestershire Chamber of Commerce offer opportunities for businesses to adapt to the challenge of business costs. In this edition of Business Direction, we will delve into insights and practices to effectively manage areas crucial to business sustainability: inflation, cash flow, wages, energy expenses, tax management, and business rates.

Movers & Shakers

New Members

Business News

As your trusted local Chamber of Commerce, we remain committed to fulfilling our Manifesto’s objectives to support business growth. Working with the British Chambers of Commerce, we strive to promote key financial investments, improve our business support, and help business to create strategic plans for economic growth. With financial struggles faced by many businesses, due to the ongoing cost of living crisis, our newly launched Chamber Cost Savings Hub serves as a valuable resource, offering information and direct pathways to cost-saving solutions for businesses in our community. Throughout this edition will be strategic plans and cost saving support, financial advice from leading experts and how a Chamber membership could save your business money. We also bring you the latest news from your local Chamber of Commerce, including our extensive portfolio of networking events, forums, and conferences, as well as our training portfolio of upcoming courses.

International Trade

42-43

People To Do Business With

Business News

Charity News

Last Word

In this edition of Business Direction, we have been delighted to interview Worcestershire Acute Hospitals NHS Trust in partnership with Worcestershire Acute Hospitals Charity . Our cover features include Bosch and Karndean Designflooring. Best regards,

Sharon

28 Our Patrons are:

Herefordshire & Worcestershire Chamber of Commerce

Chamber News

The Herefordshire and Worcestershire Chamber of Commerce Launch Member-to-Member Referral Scheme The Herefordshire and Worcestershire Chamber of Commerce is excited to announce its Member-to-Member Referral Scheme, which is intended to promote business growth and collaboration within the Chamber’s dynamic and diverse business community, whilst giving existing Members an exclusive discount to their Membership renewal. As part of its commitment to supporting local businesses and promoting economic growth in the region, the Herefordshire and Worcestershire Chamber of Commerce has introduced this innovative scheme to allow Members to refer Non-member organisations to the Chamber, increasing the Chamber’s business network. By referring an organisation to the Chamber, your business can get 10% off their next Membership in exchange for a successful referral, these referrals can be stacked and are uncapped. With 10 successful referrals, you’ll receive a 100% discount off your Membership fee at your next renewal, this essentially means you could get a yearly Membership completely free. Exclusions apply to Patron and Strategic Membership Levels. A successful referral is defined as a Member referring an organisation to the Chamber Membership Team, with that organisation

converting into a new Chamber Member. A referral will not count if the referred organisation doesn’t start a new Chamber Membership.

Your name, company name, name of the company you wish to refer, contact name and contact email address and/or phone number.

To submit a referral, complete the ‘Member 2 Member Referral’ form in the Members Area on our website, or submit the following details to membership@hwchamber.co.uk:

For more information head over to: www.hwchamber.co.uk/member-2member-referrals/ or get in contact with a member of the team on 01905 673600 or membership@hwchamber.co.uk.

Chamber achieve Employer Recognition Scheme Gold award! The Employer Recognition Scheme (ERS) award recognises companies for their support to the Armed Forces community, including Reservists, veterans, spouses, Cadet Forces Adult Volunteers and cadets. Gold award holders must demonstrate a number of positive measures and policies in their organisations, which actively support members of the Armed Forces community. We’ll also continue to advocate for the Employer Recognition Scheme. Sharon Smith, Chief Executive of the Herefordshire & Worcestershire Chamber of Commerce, said: “I am delighted that Herefordshire & Worcestershire Chamber of Commerce has

Co-locate with us! We have an exciting opportunity for businesses in Herefordshire and Worcestershire to utilise some space in our Worcestershire office, at Warndon Business Park, WR4 9NE. Our new flexible working arrangements have freed up some space in our office that we would like to share with you!

been recognised for the work we do with the local business community by achieving the Employer Recognition Scheme Gold Award. We have a 1300 strong business network and therefore feel we have a responsibility to spread the word about The Armed Forces Covenant and the benefits of becoming an Armed Forces friendly employer. As Gold Awards holders, we will continue to promote our advocacy via support and collaboration with members, through our events and via regular engagement with businesses across the two counties. We will also ensure that our current HR policies are continually updated, so that the Armed Forces community is not disadvantaged; in support of our comprehensive Reserve Forces Training Mobilization policy.”

We are interested in talking to local businesses about any requirements they might have, for either flexible hotdesking space or a more regular arrangement. The maximum space we have available is a ‘bank’ of 8 desks, up to 5 days a week, but we are open to interested parties to rent this as a whole or share the space between various businesses. With plenty of free parking and just 2

The ERS was launched to recognise and reward employers who support Defence and inspire others to do the same. To find out more about the ERS visit: www.wmrfca.org/employers/ employer-recognition-scheme.

minutes from the M5 Junction 6, we are really accessible to. We are sure there will be lots of questions to ask and answer about this new opportunity, so we thought we would come out to you first and gauge if there was any interest in our offer? If you are interested to discuss this further, please drop us a note to: enquiries@hwchamber.co.uk. hwchamber.co.uk

Chair’s Report

Mike Forrester

Mike Forrester: Chair’s Report Firstly, may I start with expressing special thanks to Sharon and the events team at the Chamber for their superb Business Expo, held on 12th October and hosted at the Three Counties Showground. Some wonderful feedback has been received and we look forward to the next Business Expo in March 2024. Quarterly Economic Survey (QES) I thought I’d highlight the feedback that’s gathered nationally and summarised by the British Chamber of Commerce (BCC). Robert and the team at the Herefordshire & Worcestershire Chamber take every opportunity to bend your ears about completing it and, consequently, we’re the top provider of QES returns back to the BCC, the 2nd highest returns in the UK of the 53 Chambers of Commerce and 1st outside of London. The BCC run the UK’s leading research programme on business sentiment and economic conditions. It draws together insights from tens of thousands of businesses who make up Chamber of Commerce Membership. No other organisation has the level of research into the UK business community and it provides the highest-quality evidence base. Influencing decision making for the UK government, the Bank of England and businesses globally.

The Economy The UK economy remains on course to avoid a technical recession, with a growth rate of 0.4% expected for the whole of 2023. This drops to 0.3% in 2024, and rises only slightly to 0.7% in 2025. The inflation rate is expected to slow to 5.0% in Q4 2023, unrevised from last quarter, but is revised up to 3.0% for Q4 2024. The interest rate is expected to be higher for longer than previously forecast.

Gross Domestic Product (GDP) Growth In the short term, the BCC is expecting 0.4% growth for the whole of 2023, falling to 0.3% in 2024 and rising slightly to 0.7% in 2025, a downward revision from the BCC’s previous forecast. This reflects the negative impact of inflation and interest rates on household spending and Herefordshire & Worcestershire Chamber of Commerce

their dampening effect on overall business investment, and while a technical recession is likely to be avoided, many households and SMEs are likely to experience recession-like conditions. Both imports and exports down significantly in 2023 (-4.7% and -4.3% respectively) due to weak global demand and the continuing impact of Brexit. Further regulatory changes at both the UK and EU borders are also likely to weigh on trade flows.

Inflation While BCC research shows inflation, is the top concern for UK firms (cited by 69% of respondents in the BCC’s Quarterly Economic Survey) fewer businesses now expect their prices to rise over the coming months. The forecast for the CPI rate, therefore, remains unchanged at 5.0% in Q4 2023. A wage price spiral limits the fall in core inflation which is factor in a prolonged and higher interest rate, peaking at 5.5% in Q4 2023, and falling to 5.25% and 4.5% in 2024 and 2025, respectively.

Employment The UK labour market remains very tight with the BCC’s Quarterly Economic Survey showing that around eight-in-ten firms attempting to recruit are facing recruitment difficulties. However, a modest increase in the unemployment rate is expected, peaking at around 4.7% in 2024. The detailed report can be followed here: BCC Economic Forecasts. And finally, a few words of congratulations to Jim McBride on becoming the Chair of the Worcestershire Ambassadors, well done! More about the group can be found here: The Worcestershire Ambassadors. Thanks for reading, Mike.

Business News

Sutcliffe Wins 5-Star Brokerage Award For Second Year Running Worcester based Sutcliffe & Co Insurance Brokers Ltd celebrates winning another award, having been named the winner of the 2023 5-Star Brokerages Awards. For the second year running, Sutcliffe & Co have won this award, highlighting their consistent dedication to service excellence in the insurance industry. The Insurance Business UK Magazine IBUK 5-Star Brokerages Awards consider key details about each brokerage in 2021 and 2022, including revenue, policies written, number of clients and profit margin. From this information brokerages are ranked according to five criteria: revenue, revenue growth, policies written growth, client growth, and number of new clients. The criteria for the awards ensures that the very best brokerages are singled out, regardless of size, with Sutcliffe & Co once again proving to be one of the best independent insurance brokers in the UK. Duncan Sutcliffe, Managing Director at Sutcliffe & Co says, “We are so pleased to have been named a 5-Star Brokerage in this year’s IBUK Awards. To win once was incredible but to win for a second time is such an amazing achievement for the team.

policies from over 100 different insurers, ensuring clients get the right insurance for their needs. Firmly based in the heart of Worcestershire, Sutcliffe & Co are closely involved with the local community, with clients across the UK in a diverse range of industries.

As we continue to grow from strength to strength, our commitment to provide the highest level of service is unwavering. Many thanks again for the recognition!”. Sutcliffe & Co are proud to be fourth generation independent insurance brokers which allows them to provide insurance

Insurance Business UK is a magazine (www.insurancebusinessmag.com), that reaches over 500,000 insurance professionals daily in six markets. They publish daily news, opinion and analysis in addition to a growing series of special reports – industry surveys and rankings showcasing the best individuals, companies and products in the market. For more information about Sutcliffe & Co and their latest award please contact the Sutcliffe Head Office on 01905 21681 or alternatively email enquiries@sutcliffeinsurance.co.uk.

Decarbonising Heat: A challenge for manufacturers alone? For many working in the UK heating industry, Net Zero represents true north. At Worcester Bosch, a leading manufacturer of heating appliances; from boilers to heat pumps and hybrid systems, this is very much the case. Decarbonising the product portfolio, and subsequently the way homes are heated, is the company’s core purpose. It serves as the ultimate motivator for staff and is the driving force behind product strategy and innovation. However, the path to Net Zero is complex, particularly when it comes to heating homes. Barriers such as poor housing stock, ageing energy infrastructure, an inexperienced skills base for renewables, the economic landscape, energy costs,

lack of demand and the much-loved British climate, all conspire to present a uniquely difficult challenge that appliance manufacturers alone cannot answer. It is, therefore, frustrating that the issue is increasingly used for political point scoring and headline chasing, whilst there remains a lack of policy that effectively addresses these broader barriers to decarbonising heat.

when it comes to Net Zero. But as 2024 looms, the need for establishing holistic and pragmatic policy that supports mass decarbonisation of heat, could not be greater or more urgent.

Businesses, like Worcester Bosch, rely on ‘joined-up’ thinking from legislators

BDL Wins Small Business of the Year at Chamber Awards Its been an exciting and extremely rewarding 12 months for BDL which culminated in winning ‘Small Business of the Year’ at the Hereford & Worcestershire Chamber awards. By continually pushing our service levels above and beyond our clients expectations and by adding to our already successful team, we have also now opened a 2nd office which will gives us the scope for further expansion. As well as offering a full range of freight forwarding & logistics services ( Sea, air & road ), BDL specialize in ‘ Time Critical ‘ transport. We currently handle inbound and export movements for automotive brands such as Morgan Motors, JLR, BMW, Bentley and many other local suppliers. Our customer base covers a wide variety of industries and we continue to try and forge more relationships in the local area.

As part of our commitment to sustainability and reducing carbon emissions moving forward, we joined a global network which is specifically targeted at the freight and global logistics industry. It involves like minded agents who want to share their ideas and help to enable a circle economy where products and packaging are reused for the good of the environment. These effects can also be measured through a CO2 calculator throughout the supply chain and across all forms of transport. It shows our clients and suppliers alike how seriously we take this subject and will continue to look for opportunities to become more efficient.

For all your global freight and logistics enquiries please contact Operations Director : tony.seifas@bdl-groupservices.com. hwchamber.co.uk

Navigating Complex Divorces: Understanding the Intricacies & Challenges of Financial Arrangements & High-Value Assets Complex divorces are characterized by intricate financial arrangements, ownership structures, overseas jurisdictions, high-value assets, inheritance, pensions, and points of law. These separations typically involve challenging elements like non-disclosure of assets and can be more difficult than typical cases. Property & Assets

Pre & Post-Nuptial Agreements

Dividing property and assets is often a difficult part of divorce. Residential properties can be a source of conflict, with both spouses feeling entitled to stay. Communication and compromise are necessary, and the court will prioritize the interests of any children or dependents involved.

Pre and post-nuptial agreements are becoming more common in the UK, although they are not legally binding. A prenuptial agreement determines how assets will be divided in the event of separation before the marriage takes place, while a postnuptial agreement is entered into after the marriage has begun. Both parties must enter into these agreements freely for them to be effective, and they offer protection for high-value assets. These agreements are now being referenced in court cases.

Family Business Deciding the future of a family business can be difficult and may require sensitive negotiations. Accurate valuation is essential, and issues such as dual operation, shareholders, and extended family involvement must be considered. The level of involvement of each spouse must be clarified, and courts may need to get involved if no agreement can be reached, even imposing a sale of the business if necessary.

Hiding, or Non-Disclosure of Assets Full disclosure of assets is crucial in a divorce case, and failing to do so could result in penalties from the courts. If you suspect your partner is hiding assets, seek legal advice immediately and consider using forensic accountants to uncover any discrepancies. Transparency is key to minimizing difficulties in divorce.

High Net Worth High net worth divorces involve more valuable assets and complicated financial arrangements, such as businesses and trusts, which may also have international implications.

International Dimensions Divorces involving multiple nationalities, overseas business interests, and international assets can be complicated, especially when determining which country has legal jurisdiction. Legal advice should be sought early on to establish the best jurisdiction. Child arrangements can also be challenging, particularly if one parent wants to move the children abroad. Offshore trusts, international businesses, and foreign tax structures can further complicate matters, with offshore jurisdiction making complete disclosure difficult. Thursfields is a full-service law firm with experience in difficult divorce cases, family law, commercial matters, wills and trusts, and other specialised fields. To find out more information visit www.thursfields.co.uk or call 0345 207 3728

Tel: 0345 20 73 72 8 | info@thursfields.co.uk | www.thursfields.co.uk A FULL SERVICE LAW FIRM BUILT AROUND YOU

Industry leaders talk cyber security at EBC Group event On Friday 13th October, EBC group hosted our Cyber Security Event at the BT building at Three Snowhill in Birmingham. With speakers from BT, ConnectWise, West Midlands Police, Assure Technical, Sutcliffe Insurance and Kingsley Napley. Our Special Guest speaker of the afternoon was the brilliant Andy Gomarsall, Former Rugby Union Player and World Cup winner. These speakers came together to educate on the importance of cyber security and what we can do to avoid a security breach. Our first speaker, Steve Blackshaw from BT, tackled The Importance of Secure Networks. Steve’s expertise touched on the necessity of robust security measures and how these can be applied both in the working world and in our everyday personal lives. A takeaway from this was that “There are soon to be 700 billion devices connected to the internet” and as usage grows, businesses and institutions continue to generate greater amounts of data, soon to cause an inevitable traffic jam of data that is fast approaching. Leigh Cockell, Specialist in Cyber Security from ConnectWise then took the stage to provide an insight into what is happening in the cyber threat landscape, and what we can all do to reduce our exposure and risk. Leigh highlighted the growing sophistication of cyber threats, reminding attendees that the battle against cyber adversaries is an ever evolving one. Leigh also touched upon AI and highlighted that “4/5th’s of business leaders intend to use AI in the near future.” Khatija Nichols, representing the West Midlands Police, provided a gripping exploration of serious cyber crime networks. Her insights served as a reminder of the real-world consequences cyber crime inflicts upon businesses and the significance of proactive law enforcement measures in this digital age. An eye-opening statistic that was highlighted during this presentation was that “Cyber Crime accounts for Approx. 42% of ALL reported crime.” Find out more at ebcgroup.co.uk

Pete Rucinski, from Assure Technical, explored the world of Cyber Essentials, Testing, and Compliance. His talk offered practical strategies to ensure cyber resilience. As well as some frightening insights such as: “60% of small businesses that suffer a cyber-attack go out of business within 6 months.” Pete also stated the importance of Cyber Essentials and how Penetration Testing is key in our digital world, allowing us to detect and remediate vulnerabilities. Duncan Sutcliffe, of Sutcliffe Insurance, reinforced the importance of effective cyber insurance. As cyber threats continue to evolve, it has become crucial for businesses to secure comprehensive insurance policies to mitigate financial risks in the event of a breach. Duncan alerted the audience on the insight that “67% of cyber incidents were caused directly by employee error, negligence or social

engineering.” Showcasing just how important it is that employees are educated on cyber security so that they are well equipped to navigate the digital world safely. Chris Recker from Kingsley Napley addressed the audience on the crucial topic of what happens in the event of a cyber-attack. His insights gave attendees an understanding of how to respond effectively in these situations, minimising the damage and disruption caused by such incidents. To cap off this exceptional event, we were honoured to have Andy Gomarsall, a former Rugby Union player and 2003 World Cup Winner, as our special guest speaker. His unique perspective offered valuable insights into the world of sustainability, with a spotlight on #WorldsToDoList. The audience was asked to think about what happens to our old tech once it was thrown out and shown some insightful information on the matter. Andy’s experience in professional sport demonstrated the parallels it shares with the realm of cyber security in terms of teamwork, strategy, and resilience.

hwchamber.co.uk

The law firm for life Peter Tyrrell

Expansion of mfg’s Private Client division Due to a prolonged growth in demand for their services, long-term Chamber patrons mfg Solicitors have expanded its Private Client department through the appointment of partner, Peter Tyrrell. Peter, who has almost 20 years’ experience advising a large variety of individuals and businesses, is working closely alongside partner and head of department, Giles Scott. Based at the firm’s Worcester office on The Tything, Peter’s focus is on growing mfg’s Private Client offering, advising on a range of matters including inheritance tax planning and trust advice, alongside guidance on wills and estates. Giles Scott said: “Peter is a first-rate and highly regarded legal specialist who will add significant weight to our already respected team here in Worcestershire and beyond.

Peter added: “Joining Giles and the rest of the team presents an exciting opportunity for me as we prepare to move into 2024. Everyone has been hugely welcoming. “Our extensive client base is wellrecognised and the firm’s growth and geographic spread is noticed far and wide. I’m looking forward to strengthening the range of services provided by the department, bringing new clients on board, and ultimately helping add to mfg’s reputation as a trusted law firm.” The firm’s Private Client team expands beyond mfg’s Worcestershire offices and into Shropshire and Birmingham. The services offered by the team include:         

Wills Trusts Estate and tax planning Inheritance Tax advice Lasting Powers of Attorney Probate Administration of estates Care for the Elderly, and; Court of Protection matters

“Having successfully worked across the sector for nearly 20 years, he has the credentials and professionalism we look for in a partner. I am looking forward to Peter contributing to our success in the months and years ahead. He is already making a fantastic impact within the firm, our team, and with our clients regionally and nationally.”

For all your private client needs Contact us now 01905 610410 mfgsolicitors.com

@mfgsolictors

Business Direction readers looking for more information on mfg’s Private Client services can email Peter through peter.tyrrell@mfgsolicitors.com or visit www.mfgsolicitors.com.

Policy

Latest Quarterly Economic Survey Results Herefordshire & Worcestershire Chamber of Commerce are pleased to release the results of the latest Quarterly Economic Survey for Q3 2023, outlining business performance in the three months up to September. I would like to thank our sponsors for this survey, Worcestershire County Council for their support. The questions they asked were sustainability themed and you will see the results of them in the report. I would like to thank all 360 businesses that completed this survey out of 5001 businesses that completed nationally, our Chamber is consistently in the top 3 Chambers for QES responses, which is a testament to the commitment from our local businesses that support the Chamber in providing invaluable data for us to share with the British Chambers of Commerce. The results we have received have reasons for optimism as well as reasons for concern, with UK sales decreasing this quarter as well as overseas sales. On the other hand, cash flow has increased, which offers optimism for businesses. Inflation and interest rates are of significant interest to businesses and, along with energy costs, were the most significant factors of concern in the QES. However, despite the concern reported by businesses, inflation unexpectedly fell in August to 6.7%. Despite the figure remaining high, it is promising that inflation is gradually easing. This came at a surprise, as economists forecast an increase in inflation to 7%. In

terms of our local data, 59% of businesses that answered the QES highlighted inflation as a factor of concern, down from 61% in Q2 and 67% in Q1. Businesses will welcome the recent decision by the Bank of England to hold the interest rate at 5.25%. Constant hikes in the cost of borrowing have had a hugely detrimental impact on the firms we represent. Recent research by the BCC’s Insight Unit found that 46% of companies said current interest rates are having a negative impact as costs of borrowing and mortgages go up. 37% of businesses reported interest rates as a cause for concern over the last three months, increasing from 30% in Q2. The workforce data we collect is extremely valuable in assessing the current state of the labour market in Herefordshire and Worcestershire. In this quarter, we have found that recruiting and retaining staff remains a significant challenge. 58% of businesses that answered this survey attempted to recruit staff over the last quarter. 69% of these businesses faced recruitment difficulties, increasing from 62% in Q2. Skilled manual and technical roles were again the most difficult to recruit for (57%). Finally, business confidence is another key indicator we quantify in the QES. Businesses are asked to report on whether they believe their turnover will increase, remain the same, or worsen over the next 12 months. In this quarter, 57% reported they expect their turnover to improve over the next 12 months, compared to 58% in Q2. 12% expect their turnover to worsen, compared to 14% in Q2. Therefore, the net balance of businesses reporting on their turnover increased slightly to 45% from 44%. These results and more will be detailed in full throughout the report. I hope you find the report useful to your business, and I thank you again for taking part in the survey. Click here to download the report or visit the Economic Research and Reports page under Policy on the Chamber website: www.hwchamber.co.uk/support/ policy/quarterly-economic-survey.

In this quarter, 58% of businesses attempted to recruit staff over the last quarter. 69% of these businesses faced recruitment difficulties.

hwchamber.co.uk

Don’t look up! Why the pandemic has taught us that being prepared is more important than ever The Netflix film “Don’t look up”, shares a disturbing parallel with real life. Political narrative and healthcare don’t necessarily mix. A quick look at the data shows that COVID-19 is not just a “winter virus”. Peaks between waves have established a fairly constant 12-week pattern. Intriguingly, this time frame echoes the period over which COVID-19 immunity can wane too low. As the narrative relaxes behaviours, apathy becomes the greatest ally to transmission and disease. Sickness costs UK companies millions in absenteeism, however business owners who take simple measures could reduce that impact, gaining a competitive advantage. – Healthier staff. Having “antibodies” means nothing. Immunity wanes, so you need immediate results from a test that reveals their concentration.

Although there’s a wishful inclination to speak of the pandemic in the past tense, it quietly continues to echo throughout our daily lives. Few trust test results, reducing testing data - hiding the reality. However, hospitalisation numbers aren’t debatable. Since June, daily hospital admissions for COVID-19 consistently increased.

Only one test unites all these factors, with results in 3 minutes. - The COVID-19 BioCard™. Rolling the dice whilst enjoying the “new normal”. But who will succumb next? By looking for just the right markers of longer-term immunity, a pattern clearly emerged. Monitoring individuals over time, revealed spike-specific antibodies reducing - as immunity waned. When exposed to an overwhelming viral load, infection follows.

With access to private vaccination unavailable until next year, absenteeism within businesses and the healthcare system is inevitable. Otherwise healthy employees with immunities too weak to resist common viral loads, will become unwitting vectors of transmission to their colleagues. Ideally, boosters would be offered to anyone proven clinically vulnerable to infection. However, compounding the issue, this winter, we face a new situation. Widespread indifference to contracting and passing on COVID-19, coincides with millions of under 65’s not being offered boosters, but equally left unaware of how low immunities have fallen. Those offered a booster aren’t sure if they need it, so risk infection - whilst they decide. Can you test to check your immunity has fallen too low, and a booster is due? Yes. Midlands biotech - Bio-Diagnostics’ unique research solved the COVID-19 enigma, offering the solution to PHE and UK government in March 2020, a month before the first wave peaked. Since 1979 Bio-Diagnostics has supplied immunology departments throughout the NHS. This specialist expertise resulted in the development its latest technology – The BioCard™ an immunity test for COVID-19. The COVID-19 BioCard™ enables simple monitoring of immunity levels, measurements revealing when the risk of infection heightens. Basic strategies can then be employed to reduce business impact and absenteeism. How accurate is the COVID-19 BioCard™? CE marked in 2020 >99.5% accurate. The Covid-19 BioCard™ was independently confirmed by UKHSA as being 99.5% specific. Specificity is critical, because it reflects how precisely the test exclusively detects Covid-19 antibodies.

However, when immunity (AKA resistance to infection) is strongly maintained, infection becomes less likely. You don’t need an “Antibody test”, you need to test for the right antibodies… Accuracy isn’t enough, Covid-19 is different. - So a technology designed precisely for it is needed. The BioCard™ uniquely detects the key immune response to SARS-CoV-2. Crucially, it detects the same spike antibodies that vaccines elicit, - a year before most of the UK had been vaccinated. Strange to realise now, but throughout 2020, NHS labs weren’t testing for spike antibodies, concentrating on nonspecific ones associated with the common cold. Access to accurate immunity monitoring could have significantly mitigated the impact of initial waves. Tragically, the “Game Changing” COVID-19 BioCard™ wasn’t utilised, and government efforts to replicate the test, so desperately needed - failed. Today, repeat infections seem an acceptable alternative to vaccination, despite our limited understanding of the long-term consequences in 20 years. Once limited to death and taxes, life’s certainties now include persistent COVID-19 infections, - unless timely vaccines break the transmission cycle. Making the perfect test. Boosters and infection generate “Spike” antibodies targeting Covid-19. To detect longer-term immunity (without interference from short-term antibodies), you need a matching test.

Herefordshire & Worcestershire Chamber of Commerce

When the significance is understood, the key to immunity, and ending the pandemic, begins by monitoring spike antibodies on the COVID-19 BioCard™. Reporting your individual level of immunity, BioCard™ uses a simple 0-10 scale. Monitoring reveals when vulnerability to infection heightens, optimising booster timing to when it’s needed. This isn’t a new strategy either, full details were given May 2021 to the Westminster Policy Forum chaired by Sir Bernard Jenkin MP. Simply put, the BioCard™ makes imperfect vaccine outcomes perfect. Optimising boosters timing based on clinical evidence, not arbitrary date or age, extends periods of strong immunity – at reduced cost. (In every sense). When efficiently maintained nationally, infection rates reduce, breaking the chain of transmissions, reducing hospitalisations. By monitoring one person at a time, we can begin “living without COVID”. Private individuals and businesses are able to access our service via everytest.co.uk.

Covid-19 Biocard™ Antibody Test EveryTest

Net Zero – Where are we? What’s the opportunity? What we are now seeing in the U.K. market is that the U.K. Government, large institutions such as the NHS, and large corporations such as FTSE 1000 companies, have set ambitious Net Zero targets which then requires their supply chain to decarbonise at the same pace. This means that many larger B2B companies have now also - as a result of pressure from their customers - published their targets to reach net zero by a certain date with milestones along the way. Which is great news for the environment. But. Many of these same companies are now struggling to deliver against their external Net Zero targets. It is easy to fail if things are not set up well on day one. This means that there is currently an opportunity available to companies that embrace carbon reduction as a core part of their vision and strategy – this can set you apart from your competition for years to come, for example when submitting tenders. Having worked with 100s of medium & large companies in many sectors it is clear that there are some key things every medium & large company needs to do to actually become a Net Zero company in the future. Six of the main ones are below, although there are more: 1. Before you publish any targets in the public domain, do the groundwork Measure your baseline carbon footprint and develop a realistic carbon reduction plan that at least provides a realistic path to halve your emissions by 2030. 2. Set up a day long facilitated workshop with the leadership team, focussed on the vision and strategy of the company: For an organisation to become a Net Zero company in the future the ethos of the whole organisation must change. The outcome of the workshop needs to be agreement that becoming Net Zero is part of the overall vision for the company and forms a key strategic pillar for the company (either on its own or as part of a wider ESG strategic pillar). The exact wording is dependent on the culture that the company wants to have and will likely require follow on workshops. The whole Exec team needs to be bought into this and ultimately their job descriptions and targets needs to include delivery against specific Net Zero objectives and KPIs. 3. Set up a Programme of work & budget Delivering Net Zero needs to be thought of in the same way as delivering any other large-scale change into an organisation. It will impact every department in your company. Therefore, a rolling programme of work needs to be put in place, with the usual associated programme governance.

4. Set key strategic themes your company will adhere to Many companies fall into the trap of starting lots of little initiatives in year 1. While there are often quick wins you can get going on, at Go Green Experts we help our clients set their strategic themes first, from which individual initiatives then flow. For example, a key strategic theme we recommend to nearly every client is “Electrify Everything”. The UK Electricit grid is supposed to be zero carbon by 2035 (although 2040 may be more likely given current progress on infrastructure roll out).

6. Seek out solutions externally Normally there are some quick wins you can adopt straight away to get going, but in years 2 onwards of your Net Zero programme you are likely going to need some external advice and potentially partner with different organisations that also put Net Zero at the heart of their company ethos. There is more to it than this, but hopefully this gives you a flavour of how succeed on your Net Zero journey. Good luck! Please feel free to get in touch if you want to talk further about Net Zero, we are to help. dlavelle@gogreenexperts.co.uk

So, if a company can convert all its energy use away from gas, oil, petrol and diesel and towards electricity then, in future all that energy use will be zero carbon. Having strategic themes helps you ensure individual initiatives work well together, and it also makes explaining the Net Zero strategy to employees a lot easier. 5. Hearts & Minds: Engage your employees regularly & get them involved There is currently a good FREE employee training course available for our West Midlands based clients you may find useful. This can be a great first step for employee education and engagement.

Dominic Lavelle Managing Director, Go Green Experts Ltd

hwchamber.co.uk

Net Zero Carbon Consultants Helping medium & large companies plan for - and deliver - Net Zero

Get In Touch Today to book your free carbon consultation

Office 2 Copenhagen Street, Worcester WR1 2HB

Email info@gogreenexperts.co.uk

Telephone 01905 935 016

www.gogreenexperts.co.uk Herefordshire & Worcestershire Chamber of Commerce

Business News

Learning on-the-go: EG People Development launches new eLearning offering EG People Development, based in Malvern and led by Liz Gait, unveiled its cutting-edge eLearning platform at the Three Counties Showground. The launch took place at our Business Expo, which attracted 117 exhibitors and approximately 700 attendees. In collaboration with fellow members Indegu, EG People Development introduced its latest offering, incorporating the Insights Discovery tool developed by Andi Lothian. Insights Discovery utilises a four-color model – Cool Blue, Earth Green, Fiery Red, and Sunshine Yellow – to enhance workplace understanding and foster self-awareness for improved interpersonal connections. Liz Gait, the Director and Owner of EG People Development, emphasised the significance of Emotional Intelligence (EQ), which differs from IQ by focusing on self-awareness, motivations, emotional triggers, empathy and communication. The eLearning program offered by EG People Development guides learners through comprehending Insights Discovery, deconstructing the preferences wheel and underlining the role of EQ in the workplace. Working closely with Indegu, known for delivering award-winning online training to

diverse sectors, EG People Development simplified the process of sharing knowledge online, making it accessible and engaging for clients. EG People Development’s eLearning program offers a solution for organisations aiming to enhance workplace dynamics. For further information on this insightful eLearning programme, you can reach out to Liz Gait at liz@egpeopledevelopment.com or visit www.egpeopledevelopment.com.

FBC Manby Bowdler discovers a more sustainable way to do business Environmental, Social and Governance (ESG) is the way all businesses are being encouraged to operate. Here’s how FBC Manby Bowdler is navigating the challenges and opportunities it brings. We cut office waste by swapping to recycling bins and using glasses at the water fountain. We’ve also reduced document printing and introduced digital business cards.

Social When we started our journey, our first challenge was not having dedicated resources so our Managing Director Neil Lloyd took the lead and all staff were empowered and encouraged to contribute. Additional costs were also a challenge. Doing the right thing isn’t always the most cost-effective choice.

Environmental Travel emissions was a big challenge so we switched to video conferencing more, and encouraged staff to car share, lease an electric vehicle or cycle to work. Power usage was problematic as several of our offices are in listed buildings, but we’ve fitted LEDs and sensor lights, and switched to more efficient boilers and UPVC windows.

Building on our previous CSR work, we introduced a fund for local charities and good causes nominated by staff. Employees can raise money using an app, which converts steps into pounds for charities.

Governance Most businesses have some level of corporate governance but there’s always more you can do. We’re moving from self-audit accreditations to externally audited certifications. When you are changing behaviours, the policies need to be front and centre at all times. Embedding lasting behavioural change will benefit the business, the planet, your customers and your community.

JMDA to Attend Harrogate International Nursery Fair JMDA Design, a leading global product design consultancy specialising in child car seats and strollers, is excited to announce they are attending the Harrogate International Nursery Fair. This prestigious event is a key date in the industry calendar, and several of JMDA’s latest cutting-edge nursery product designs will be shown at the fair. The Harrogate International Nursery Fair, renowned for being the UK’s premier nursery trade show, provides a major platform for industry professionals to discover the latest trends, innovations, and products in the world of childcare and baby products. With a commitment to creating safe, comfortable, and aesthetically pleasing child car seats amongst other nursery products, JMDA Design is set to make an impact at the fair. “We are thrilled to be a part of the Harrogate International Nursery Fair this year,” said Chris Raynor, Operations Director of JMDA Design. “The fair provides an excellent opportunity for industry professionals to connect and collaborate with JMDA Design, explore potential partnerships, and discuss how we can work together to improve child safety. Plus, we are looking forward to Jason Song from JMDA China joining us at the show so it will be extra special for the team this year”. Chris adds “We are also delighted to be supporting Designability who will be exhibiting at this year’s show, unveiling their game-changing accessible pushchair on Stand B30 where you can see a prototype in action. It’s shaping up to be an action-packed show!” JMDA Design have recently celebrated two of their designs winning iF Design Awards and also Red Dot Awards and the company has also been awarded International Trade Business of the Year at the Herefordshire and Worcestershire Chamber of Commerce Business Awards. If you would like to book a meeting with the JMDA team at the Harrogate International Nursery Fair in October please call 01386 426100 or email design@jmdadesign.com.

hwchamber.co.uk

Sustainability of Hargassner Biomass Heating Systems The brand Hargassner has been on the market for more than 38 years. With over 140,000 satisfied customers around the world, it has made a name for itself as a pioneer in environmentally friendly heating with renewable wood energy. Heating carbon-neutrally Hargassner stands for innovative, intelligent wood chip, pellet and firewood heating technology with the lowest emission values and the greatest efficiency. Therefore, the boilers of the company are becoming increasingly popular. Biomass is renewable, it is made of residual wood from domestic forests and wood from the sawmill industry. In turn, the local economy is boosted, and waste wood is recycled in a sustainable manner.

Boilers for every need Modern biomass heating systems stand for cleanest combustion and highest efficiencies. Hargassner pellet boilers are available from 6 to 550 kW and cover the needs of small residential units, weekend homes, single-family homes, apartment buildings, hotels as well as small to big businesses. In addition to the pellet boiler series, Hargassner offers wood chip boilers ranging from 20 2500 kW with various burning technologies for various fuel specifications. Log wood boilers are also available from 20 - 60 kW. Hargassner also offers a

comprehensive range of accessories for heat storage systems, fuel storage, filling systems, filter technologies, etc.

Hargassner: permanent innovations Intensive research has been carried out in recent years on the further improvement of Hargassner biomass heating systems: e.g., low

electricity consuming components for our boilers and accessories. From the ignitor to the drives, it is vital for us to reduce the power consumption to a minimum by using high quality products and an optimized usage of those. Learn more: hargassner.com/at-en/ biomass-heating-systems

Using business as a force for good Sustainability should be a key aim for every business with the aim of achieving a zero-carbon future. It is great for business, great for employees, great for the community, we live and work in, and ultimately it will be how we are judged by our customers. Save money on your energy costs, reduce your carbon footprint, get quick investment returns and protect the long term sustainability of your business. Contact Us: info@caplor.co.uk | 01432 860644 | www.caplor.co.uk Business Direction ad 170x120 Nov 23.indd 1

Herefordshire & Worcestershire Chamber of Commerce

11/10/2023 14:05:13

Business News

GL and Sunsynk produce GridBuddy energy storage for the new-build industry As the UK prepares to be net zero by 2050, changes to building regulations, such as the Future Homes Standard (FHS), have already presented unprecedented challenges to the housebuilding industry. With the FHS coming into force as early as 2025, as suppliers of electric energy solutions, Worcester-based GL has been gearing up for this for the past few years.

GL partnered with Sunsynk, one of the world’s leading inverter manufacturers, to produce GridBuddy, an all-in-one box power storage solution. It will be available from November 2023.

battery storage and inverter solutions for all

GL continues to assist house builders and developers with the change, collaborating and hosting them at its E-home innovation centre to make it as seamless as possible.

new-build house types and sizes.

To find out more, visit: www.gl-e.uk

Many of its products have been developed to comply with the FHS, such as its ‘GridBuddy’

Air conditioning firm on the move to cool new home A thriving air conditioning and heat pump company has opened its doors on Skylon Park, Hereford Enterprise Zone, as it looks to develop its business which now operates across the UK. West Mercia Air Conditioning chose the dynamic business park at Rotherwas after working closely with the Zone team team, and landowners Herefordshire Council, on plans for a site which would accommodate the growing business. Ben Corner, managing director of West Mercia Air Conditioning, said: “We wanted to build a space which was suitable for our needs and the Enterprise Zone is a good investment for us. Skylon Park is a great business park to be part of, better access, better roads and a better business environment.

so if they want to come and visit, it’s great to show off not just our company but the thriving business landscape here.” West Mercia Air Conditioning joins a growing list of businesses to move onto Skylon Park, which is already home to 38 businesses. The park offers shovel-ready plots with all services and infrastructure in place, as well as ultrafast broadband across the park. “The new building is a more visitor-friendly. We do a lot of service and maintenance on really high-end apartments in London

For more information about Skylon Park and the Hereford Enterprise Zone, visit www.skylonpark.co.uk.

Introducing the Current State IT & Digital Assessment: Your Path to IT Excellence In an ever-evolving digital landscape, staying ahead of the curve is essential for business success. That’s why we are thrilled to unveil our latest offering – the Current State IT & Digital Assessment. This comprehensive assessment is meticulously designed to provide organisations with an impartial evaluation of their IT function, arming them with valuable insights and strategic recommendations. The Assessment offers an in-depth examination of various critical aspects, including IT system landscapes, third-party supplier relationships, infrastructure, data flows, and more. Benefits of a Current State IT Assessment: Independent IT function review Affordable “Health Check” at a fixed price User-friendly scorecard report (Red, Amber & Green) with actionable recommendations

In today’s rapidly changing business environment, the Current State IT & Digital Assessment empowers organisations to make informed decisions, optimise their IT infrastructure, and drive towards digital excellence. The output report is jargon free and easy to understand, containing prioritised real-life recommendations that you can start to act on straight away. For more information and to schedule your assessment, please contact Sean Devlin at: sean.devlin@ballardsllp.com hwchamber.co.uk

Calling all local businesses! Are you responsible for the maintenance of your building / portfolio of sites? Registered by the Legionella Control Association, HSL Compliance supports our customers by providing water hygiene services for an extensive range of public and private sector clients, including hotels, care homes, leisure clubs etc. Here’s what our customers have to say about our work: “The team worked tirelessly doing a chlorination. They minimised disruption, ensuring the hotel could operate as normal and even dealt with customers when they didn’t need to.”

We offer a full range of ACoP L8 and HSG274 compliant services from water quality monitoring through to a full Legionella risk assessment. We also utilise an independent UKAS accredited laboratory to conduct a wide selection of water samples. Our local, multi-skilled labour force can also provide an extensive range of water hygiene and water treatment remedial services, including water tank replacement and refurbishment. Our experience

and expertise further extends to the installation, service, fault diagnosis and maintenance of water softeners and dosing equipment. We also provide an impressive programme of accredited training courses, which includes City & Guilds, Highfields, UKATA and IOSH. For full details, we recommend visiting hslcompliance.com/training where you’ll find details of the very latest face-to-face and online courses available.

“We have, without doubt benefitted from the exceptional improvement in Water Hygiene Monitoring, since HSL commenced operations. The consistency of your approach is now providing a wealth of data enabling better trend analysis to aid diagnosis, when things go awry, as is the case with an older building portfolio. We are also able to highlight HSL as the exemplar provider, in terms of making appointments and accessing our premises.”

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Pershore College receives six figure grant for new supported learning facility Pershore College has been awarded a six-figure grant to create a dedicated facility to prepare students with complex learning disabilities for independent living. Pershore College has secured £243,000 from Worcestershire County Council and Worcestershire Children First, to create a new Preparation for Adulthood Centre and improve existing teaching and support facilities for students with high needs. The college, part of college group WCG, will use the funding to convert one of its residential facilities into the new Preparation for Adulthood Centre and upgrade its Avonbank building to make it more accessible, creating additional high needs places. Pershore College’s Supported Learning Department delivers a number of programmes which focus on preparing students for further education in their chosen vocational field, employability to help students progress into apprenticeships or work, and life skills to support students to live more independently. As part of the college offer, there is an opportunity for some students to join an additional study day to focus on personal development which includes developing domestic skills, learning about making healthy lifestyle decisions, support with travelling independently, social integration and work skills. It is anticipated that the centre will be open to students by September 2024.

commitment to ensure all our students across the county have access to the facilities they need to go on and reach their full potential. The funding was delivered through Worcestershire’s High Needs Provision Capital Allocations (HNPCA) for pupils with Special Educational Needs and Disabilities or requiring Alternative Provision.

Councillor Tracey Onslow, Cabinet Member for Education at Worcestershire County Council, said: “This funding reiterates our

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Herefordshire and Worcestershire Chamber of Commerce

01905 777600

Business News

Heart of Worcestershire College celebrates getting to Green! Heart of Worcestershire College (HoW College) are celebrating after receiving the news that they have become a short-listed Finalist in this year’s Green Gown Awards! These awards are chosen by the Environmental Association for Universities and Colleges and identify good practice across a range of sustainable development activities and initiatives in the higher and further education sector. The College have been short-listed in the “Creating Impact” category, which is awarded to those who have made a significant change on their campuses and the communities around them. The College titled their project “Small Footprint – Huge Strides”. Speaking about the news, Peter Robinson, a member of HoW College’s eco group said: “We are delighted to have been made finalists for this year’s Green Gown Awards. Our project around 3 E’s for the Environment; Ecology, Emissions and Education, struck a chord with the reviewers and really show how we have sought to make an impact across all three elements. Under ecology we have created wild spaces on all our main campuses in Worcester, Bromsgrove and Redditch and staff at college have put bird boxes, hedgehog homes and bat boxes in their gardens too. Our students have told us they have enjoyed the extra depth of study they have taken on sustainable themes like Fast Fashion, Eco-tourism, sustainable food and climate change. Many signed the Sustainable Development Goals Pledge, so much so that

we were 3rd place on the UK Leaderboard for students reached in Universities and Colleges, now we have a number of Sustainable Champions across the College.

with re-wilding projects and bringing their own ideas to reduce waste, the use of plastic, etc. That team has included people outside the college as well.”

One of our greatest achievements has been the reduction in our Carbon emissions. Through careful examination of where we were wasting energy over weekends, evenings and different buildings, we have been able to reduce our carbon footprint by 28% in the last three years. This has made a substantial financial saving too, as well as fast tracking our plans to reduce CO2 emissions by 50% by 2030.

The College has worked with several community and other stakeholder groups to achieve these positive steps and they have all been mentioned in the process. Groups like Plastic Free Worcester, Worcester City Council, the Worcestershire Local Enterprise Partnership, Worcester Environmental Group, Worcestershire County Council, as well as Worcester Bosch in a recent talk on “The Hope of Hydrogen”.

This has been a team game from the start, from all our staff contributing to our Big Switch Off campaigns and students helping

This is a great achievement for HoW College and demonstrates the hard work and commitment of their students, staff and eco team.

Withdrawing from a commercial lease? Here’s your options In recent years there have been an influx of businesses entering into commercial leases. However, with further market uncertainty, tenants must consider their options if they want to exit a lease. These options include, but are not limited to: Leaving the property at the end of the fixed term Exiting the property by exercising a ‘break right’, with notice provided Leaving the property by entering into a mutual Deed of Surrender Sub-letting the property, with the landlord’s consent There is certainly no one size fits all approach to exiting a lease. Overall, tenants must ensure their chosen course of action is suitable for their circumstances, and the rights and obligations under their lease. For more information Chamber members can email Lucy George at patrons mfg Solicitors through lucy.george@mfgsolicitors.com.

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Business Direction

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Herefordshire & Worcestershire Chamber of Commerce

Free access to an online decarbonisation portal for Worcestershire organisations Worcestershire County Council is supporting organisations and businesses across Worcestershire to reduce their carbon emissions to help move towards the net zero carbon target. Free access is being given to a select number of businesses and organisations to an online portal which helps make monitoring and the reporting of carbon emissions simpler. The software, run by Climate Essentials, allows organisations and businesses to upload energy, water, waste, transport, and supply chain emissions. Through the portal, you will have the ability to actively track carbon spending and saving over a period; will be able to determine a baseline for carbon emissions, and benchmark against similar businesses/organisations. One organisation to benefit from the portal is IASME Consortium. Dr Emma Philpott MBE, CEO, said “It was really easy to use and helped me make sense of how to calculate the different elements. It has helped us understand what the important aspects of our energy use are and to focus on how we can make an impact. As a company but, also, as a team of individuals, we care about reducing the impact of climate change and reducing our costs.”

Why you should sign up

Future proof your business from rising energy costs and customer demand.

Differentiate your brand based on your green credentials. Get ahead of regulation and legal requirements about carbon reduction.

To learn more and to register your interest, visit, worcestershire.gov. uk/worcs-decarb-portal.

AS AN EMPLOYER IS PAYROLL WORRYING YOU? What if you could have the following... Secure Employee Portal - no more handling of payslips One single payment automatically distributed to staff bank accounts Bespoke reporting Auto enrollment pension processing ensuring you remain compliant

Get in touch with our payroll department, we will be happy to go through your needs

01527 69321 22

haywardwright.co.uk/payroll

hwchamber.co.uk

Business News

The first Telford-based Specialist Defence and Security Convention UK is a runaway success The Specialist Defence and Security Convention UK (SDSC-UK), formerly the Three Counties Defence and Security Expo (3CDSE), held its sixth show with great success on the 1st and 2nd of November. This year, as the event grows internationally, creating increasing demands in terms of proximity to airports, the event moved from its original home of the Three Counties Showground, Malvern to the Telford International Centre (TIC). Remaining in the West Midlands was key to the organisers, the Three Counties Regional Defence and Security Cluster whose base remains in Hereford, and TIC provided the excellent transport links, exhibition space and facilities necessary to accommodate SDSC-UK in this next stage of its evolution as the UK’s premier specialist defence and security event. SDSC-UK welcomed over 1200 delegates, and 100 exhibitors who came together to network and collaborate in this conducive setting.

The event showcased innovations in communications, cyber, protective equipment and autonomy from companies across the security and defence tech and innovation space, as well as other digital transformation sectors, including Agritech, Fintech and Automotive. Building on the exceptional level of support provided by both UK and US governments in

previous years, the Ministry of Defence (MOD) and US Department of Defence (US DOD) utilised SDSC-UK as a platform to launch the US Special Operations Forces Command (USSOCOM) Innovation Foundry. The Foundry is a collaborative initiative intended to bring together Special Operations Forces (SOF), industry, academia, national labs, government and futurists in an exploration, design-thinking, facilitated event to assist USSOCOM in decomposing future scenarios and missions. Exhibitors were also given the opportunity to pitch themselves and their innovations to the US DOD’S U.S. Army Combat Capabilities Development Command (U.S DEVCOM) team. Keeping TIC as its chosen venue, SDSC-UK is due to take place on November 2024.

Leading accountancy firm raises thousands for children’s mental health charity at annual golf event Worcestershire-based accountancy firm, Hayward Wright, held its Annual Charity Golf Day last week in partnership with YoungMinds - a leading charity that fights for young people’s mental health by providing a range of support to children, young adults, parents, and those who work with children. The event, which was held at Olton Golf Club in Solihull, brought together more than 100 individuals from a range of businesses in the West Midlands and Worcestershire and raised an incredible £7,824 for the charity. Despite some challenging weather conditions, guests enjoyed a day of

networking and golf which was kicked off by Hayward Wright’s Managing Director, Alistair Hayward-Wright, and Practice Manager Sam Paice as they presented the format of the day and a short series of videos on the important role that YoungMinds plays. The event received incredible support from the local business community including a wide range of sponsors with commercial property consultancy, Siddall Jones, Blackstar Mortgages, Bagworld, F8, Xero, and Bold IT all supporting the day.

Commenting on the success of the event, Alistair Hayward-Wright said: “We cannot thank all those that attended and our sponsors enough for helping us deliver a great event and for their generosity which has helped us raise a significant amount of money for YoungMinds - an organisation that plays a critical role in supporting children and young people with mental health issues. It was a great day, and we were delighted to see so many businesses from across the region taking part and look forward to building on the success next year at our 2024 event.”

Lifting the lid on carbon capture Carbon capture and storage (CCS) can accelerate efforts to reduce carbon emissions. Carbon capture prevents CO2 entering the atmosphere as a result of industrial processes, i.e., burning fossil fuels, oil, gas and coal. It involves separating CO2 from other gases released by industrial processes and transporting it via pipelines, road transport or ships to be stored within rock formations deep underground. There are 27 CCS projects in the UK but none are in operation. Carbon capture power plants – power stations equipped with carbon capture

technology - form part of the Government’s plans to remove carbon from UK electricity production by 2035. CCS infrastructure is expensive. Some believe renewables and power storage would be better investments, as none of the Government’s proposed plants claim to capture more than 2m tonnes a year. For guidance on reducing carbon emissions in your organisation, please contact our Client Relationship Managers.

Herefordshire & Worcestershire Chamber of Commerce

Protecting your intergenerational estate plans I

ntergenerational planning is not only about passing assets on to the next generation, but about creating a robust framework that safeguards the wellbeing and success of future generations. Building layers of protection into your intergenerational planning helps to mitigate risks, address uncertainties, and seeks to ensure that your legacy endures.

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Ensure that documents such as Wills, trusts and LPAs are up to date and drafted correctly. These documents provide a solid foundation for the succession of your estate, as well as financial and healthcare decisions that may need to be made during your lifetime.

Consider setting up trusts as part of your estate planning. Trusts can provide added protection by allowing you to control the timing and conditions of asset distribution. This can be particularly useful if you have concerns about beneficiaries’ financial maturity or external influences.

www.hcrlaw.com HCR Legal LLP is authorised and regulated by the SRA

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Ensure that partnership agreements, company articles and shareholder agreements are regularly reviewed and considered in the light of changes to personal circumstances and changes to the operations carried out by your business, if you have one.

Anticipate unexpected events by including contingency plans and seek to protect against life events such as divorce or separation. Pre-nuptial and post-nuptial agreements, as well as living together agreements, can be crucial in providing you with protection against the dissemination of assets following such an event. You should consider scenarios such as a sudden loss of income, economic downturns or unexpected healthcare costs. Once an asset has been given away, control passes to the recipient.

Empower future generations with financial literacy and education. Teach them how to manage assets, make informed investment decisions and navigate potential pitfalls.

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Explore insurance options that can provide an additional layer of protection. Life insurance, for example, can offer financial support to your beneficiaries upon your passing.

Include mechanisms for resolving disputes or conflicts that may arise among beneficiaries. This could involve appointing independent trustees and executors. By proactively addressing potential conflicts, you can minimise disruptions to your intergenerational plan.

Talk to David King about ensuring your legacy endures David King Partner, Private Client T: 03301 072 961

Read the full article in our latest edition of Nexus our magazine that helps protect your wealth.

Chamber Training

Net Zero – What is it and what does it mean for your business?

Net Zero means no longer adding to the total amount of greenhouse gases in the atmosphere. Greenhouse gases include carbon dioxide (CO2) and methane. CO2 is released when oil, gas and coal are burned in homes, factories and to power transport. Methane is produced through farming and landfill. A British Chambers of Commerce survey of more than 1,000 businesses, of which 96% are SMEs, has found that nine out of ten are still confused about what the targets mean for their business and how they’ll need to comply and make those changes to help the Government reach its target of being Net Zero by 2050.

More information about each training course and upcoming dates can be found on the Chamber website

hwchamber.co.uk/eventsand-training-calendar

The UK risks falling behind in its efforts to reach “Net Zero” by 2050 without faster action, according to the Government’s independent climate advisers.

The HWCC Training Department is committed to providing opportunities for learning and growth in this area for those businesses on their journey to Net Zero. We are investigating ways to support businesses through this change and will be introducing some new courses over the coming months.

Starting your Journey to Net Zero – Top Tips:

The Net Zero target is a crucial part of the UK’s global commitments to address the impact of climate change and help reduce that impact worldwide. The Government has pledged to ensure fairness and a pragmatic approach to deliver and meet its targets on the path to Net Zero. Getting the British public onboard to take accountability for even the smallest of changes in reaching those targets will be challenging. The Government must ensure that the revised plan is considerate to the working public and that cost implications do not severely impact businesses and British families across the UK. Herefordshire and Worcestershire Chamber of Commerce (HWCC) have a key responsibility in working with the Government and the British Chambers of Commerce, to ensure support, advice and funding are provided to local

businesses to increase every opportunity for them to become more sustainable.

Define what becoming Net Zero means for your business and industry sector!

Review your strategy and ensure that this is communicated to your teams so they are onboard and can support your plan on the path to Net Zero.

Knowledge is power! Ensure that your team can drive the changes needed to accomplish your goals by investing in training.

Get certified! Participate in globally recognised sustainability programmes to show your commitment to your plan and the people who are connected to you through trade and services.

Track and monitor your targets, make changes when and where needed.

Meet Our Training Team

Olivia Williams, Events & Training Manager

Amanda Swingewood,

Training Co-ordinator

Sharon Dunkley, Events & Training Assistant

Our Chamber Training Team are on hand to support you with any questions you may have. For further details, please do not hesitate to contact the team on 01905 673600 or email training@hwchamber.co.uk

hwchamber.co.uk

Chamber Training

Training & Development November Course Dates Role of the Team Leader Thursday 2 November, 9.00am-4.00pm £160+VAT Members / £200+VAT Non-members Location: Worcester

Delivering Exceptional Customer Service Tuesday 7 November, 9.00am-4.00pm £160+VAT Members / £200+VAT Non-members Location: Worcester

Introduction to Microsoft Excel Tuesday 7 November, 9.00am-4.00pm £160+VAT Members / £200+VAT Non-members Location: Hereford

Manual Handling Wednesday 8 November,9.00am-12.30pm £90+VAT Members / £110+VAT Non-members Location: Worcester

How to use Microsoft Teams Effectively Thursday 9 Novembe, 9.00am-12.30pm £90+VAT Members / £110+VAT Non-members Location: Hereford

Introduction to Digital Marketing & PR Tuesday 14 November, 9.00am-11.00am Free for Members / £110+VAT Non-members Location: Zoom

Intermediate Microsoft Excel Wednesday 15 November, 9.00am-4.00pm £160+VAT Members / FULLY £200+VAT Non-members Location: Virtual

BOOKED!

December Course Dates Fire Marshal Training Monday 4 December, 9.00am-4.00pm £90+VAT Members

Assertiveness & Confidence at Work Thursday 16 November, 9.00am-4.00pm £160+VAT Members / £200+VAT Non-members Location: Zoom

£110+VAT Non-members Location: Worcester

Managing Performance in the Team Tuesday 5 December, 9.00am-4.00pm £160+VAT Members /

Google Analytics 4 – GA4 Workshop

£200+VAT Non-members

Tuesday 21 November, 9.00am-12.30pm £90+VAT Members / £110+VAT Non-members

Location: Hereford

Location: Zoom

Equality, Diversity and Inclusion (EDI) Training Wednesday 22 November, 9.00am-4.00pm £160+VAT Members / £200+VAT Non-members Location: Worcester

Search Engine Optimisation Tuesday 5 December, 9.00am-12.30pm £90+VAT Members / £110+VAT Non-members Location: Zoom

Intermediate Microsoft Excel Wednesday 6 December, 9.00am-4.00pm £160+VAT Members /

Introduction to Project Management Wednesday 22 November, 9.00am-4.00pm £160+VAT Members / £200+VAT Non-members Location: Zoom

£200+VAT Non-members Location: Hereford

Courses may be subject to change from the time of printing.

Internal Auditor Training Thursday 23 November, 9.00am-4.00pm £160+VAT Members / £200+VAT Non-members Location: Worcester

Managing People in the Team Tuesday 28 November, 9.00am-4.00pm £160+VAT Members / £200+VAT Non-members Location: Worcester

We would like to hear from you! Whilst continuously expanding the training offering, the Training department are always looking for new ideas for courses. It’s great to understand what topics will be most beneficial to local businesses. For any suggestions, please email training@hwchamber.co.uk. More information about each training course and upcoming dates can be found on the Chamber website - hwchamber.co.uk/events-and-training-calendar

Herefordshire & Worcestershire Chamber of Commerce

Big Interview

Trust is a true champion of wellbeing at work Laughter really is the best medicine at one of the region’s biggest employers. The health and wellbeing team at Worcestershire Acute Hospitals NHS Trust explain why happiness at work matters. Nothing brings people together better than a good giggle. “When you’re laughing together it lifts your spirits and you can just focus on the present and forget the pressures of work and home,” says Susan Hayes, Hospital Engagement Officer at Worcestershire Acute Hospitals Charity.

Find out more about Worcestershire Acute Hospitals NHS Trust at

worcsacute.nhs.uk

“That’s why Laughtercise is one of our most successful wellbeing sessions, it promotes the most wonderful team building, and allows colleagues to spend quality time together. It’s great to see everyone feeling positive and re-energised after a Laughtercise session.” Worcestershire Acute Hospitals NHS Trust, which runs the Alexandra Hospital in Redditch, Kidderminster Hospital and Treatment Centre and Worcestershire Royal Hospital, has a very strong duty of care towards its most important resource – the 7000 staff who work across its three main sites – as well as the 250,000 patients treated every year. Their thriving health and wellbeing strategy is proof that happy, healthy staff are the best advocates for patient care. The Trust – which was recognised for its extensive health and wellbeing support with a Special Recognition Award from the Worcestershire Works Well Partnership earlier this year - provides core funding for the initiative, but fundraising for

anything over and above NHS provision is done by its in-house Charity, which works hand in hand with the HR team and enthusiastic supporters from all departments. As part of its core offer for staff, the Trust provides an in-house dedicated Psychological Wellbeing Service to all staff who may be experiencing emotional distress that is impacting on their work. This service provides a safe and confidential space for staff to check in with their psychological wellbeing and to discuss any additional support they may need. A 24/7 counselling service is also available and its fast-track approach guarantees immediate help and support. Sue adds, “Additionally, the Charity has also been delighted to fund a host of other wellbeing initiatives such as menopause and carer support packages, including support for working carers. Following the success of wellbeing walks at the Alexandra Hospital, with the added option of mindfulness, we are planning to expand these to the other sites when the weather warms up again.” The Trust is also an accredited flexible employer and proud recipient of the ‘Employer with Heart’ charter from The Smallest Things after remodelling its policies on family leave and flexible working with help from Timewise consultants. Overall, there has been an exceptional response, says HR Business Partner Jennifer Carr-Smith. “We hwchamber.co.uk

Big Interview

gauged people’s feelings on wellbeing at the start of our first Wellbeing Matters Day in May before showing them what was currently on offer and inviting them to have their say in the design of new ideas. By the end of the day, you could see a significant change in how everyone felt. There was so much positivity and a real sense of teamwork. “We provide regular updates on progress so the staff can see how much we value their input, and where their suggestions are being put into action. “For instance, the Charity has secured funding for dedicated wellbeing spaces at each site. These new staff rooms will include comfortable relaxation areas and resources to promote positive mental health and will complement our other initiatives, such as the regular Happy Café sessions, that we run.” The Trust has opened various lines of communication for staff to share their experiences of – and feedback on - the Trust’s wellbeing offer, including a staff Facebook group, staff surveys and a recent Mental Health and Wellbeing Week. Over the course of the week, hundreds of staff wore World Mental Health Day ribbons to show colleagues and patients alike the importance of taking care of their mental health. It was

When you’re laughing together it lifts your spirits and you can just focus on the present and forget the pressures of work and home. Susan Hayes

Herefordshire & Worcestershire Chamber of Commerce

also another opportunity for the Trust’s much-loved Therapy Dogs Nationwide - Aero and Casper - to make a visit, providing respite for staff as well as patients. What really sets this Trust’s wellbeing drive apart from similar initiatives, however, is the sense of camaraderie. Jennifer says, “We have so much support from all our clinical and non-clinical teams, including HR and communications, our thriving staff networks and trade union reps, right through to finance and psychology. We are all united through our mutual passion and interest in health and wellbeing. “We even have a health and wellbeing steering group, which meets monthly. But ultimately so much of our work would be impossible without our Charity, and we enjoy a great partnership with them. “Fundraising is so critical to the ongoing success of our Wellbeing initiatives, but it’s obviously really challenging in the current climate.” Sue adds, “Worcestershire Acute Hospitals Charity exists to support patients, staff and services across the Trust. We do this by improving the hospital environments and facilities, funding additional medical equipment – and of course supporting staff development and wellbeing.” And now with Christmas fast approaching, the charity has launched its Wonders of Worcestershire festive appeal to raise more much needed funds that will make the experience less difficult, the environment more comfortable and the working day easier for everyone across the county’s hospitals. To support simply text WAHCHARITY on 70450 to donate £5.

Find out more about Worcestershire Acute Hospitals Chairty at wahcharity.org

More details about the Trust’s fundraising opportunities are available at www.wahcharity.org To find out more about working for the Trust visit www.worcsacute.nhs.uk/work-for-us The Trust and its charity will celebrate the outstanding achievements of the past year at the annual staff awards in November, which include a nomination for the inaugural Wellbeing Matters Day.

Cover Feature

Bosch: the reality of green heating Plans to phase out traditional oil and LPG boilers have been delayed. Martyn Bridges, of heating specialists Bosch, explains what this means for businesses and consumers. A few factors - but principally the cost-of-living crisis - has forced the government to rethink some of their original timelines and plans for net zero.

extremely good, with 85 per cent of all homes connected. Other countries don’t have this privilege so it’s easier for them to choose an electric-based pump system.”

Plans to ban oil, LPG and coal heating have now been put on hold for 10 years until 2035.

But Bosch – while actively marketing heat pumps since 2008 – has long had another exciting technology in its sights.

This is particularly good news for rural Worcestershire, where a substantial number of households rely on ‘off-grid’ energy sources. But cash-strapped households will also welcome the news that, contrary to popular belief, you can still buy a boiler and use it until its final flame, even after any proposed ban comes into force. As Martyn points out, the move towards full green energy will be gradual, as alternatives are “currently fairly limited”, but it’s still a good idea to look ahead – not back. Electric heat pumps are the government’s green technology of choice, but these are costly, even with generous grant aid, and can be difficult to install. They take up more space than a combi boiler – inside and out and may require new radiators and plumbing, plus a substantial hot water storage system. Martyn says, “Tiny numbers were sold here last year compared to mainland Europe, but this may be because our gas grid is

The company is a major innovator in hydrogen, taking part in government-funded trials to repurpose the grid for use with this emerging new gas source. Whilst hydrogen-ready appliances are not yet on sale, the trial homes include a full suite of appliances including boilers, cookers, gas fires and even an outdoor barbecue – all developed to demonstrate the possibilities by manufacturers like Bosch. Martyn adds, “The UK leads the way in hydrogen technology – there’s virtually none in the EU – and our government has committed to generating 10 gigawatts of hydrogen by 2030. “That has potential to provide heat and cooking systems for millions of homes, and for carbon-intensive industrial clusters producing vital materials like steel and cement. But while trials are underway, a decision has yet to be made on converting the entire grid.” Conversely, hydrogen is eyed with some suspicion in Europe: “In Germany for instance, people are struggling to afford expensive heat pumps, so there’s a lot of caution around potential costs.

Martyn Bridges

“But work on replacing the UK’s grid network started back in the early 2000s, long before hydrogen was even a glint in the government’s eye. Over 170,000 miles of steel pipework underground is already being replaced by polypropylene. “By pure luck, the government can see we’re already getting a grid which is fit for purpose

for basically nothing. It means in theory you could end up with a hydrogen ready boiler for the same price as a gas boiler.” Martyn concedes that running costs will initially be higher than natural gas, “but electricity is currently four times the price of gas, so it’s a case of weighing up the pros and cons and looking long term.” In the meantime, Bosch is championing a hybrid home heating system as the perfect crossover. “It’s a combination of a smaller heat pump outside which provides heating for around 80 per cent of the time, combined with a gas or oil-fired Combi boiler to generate hot water and heating in the coldest weather when the heat pump can’t cope. There’s no need to change radiators and pipework or find room for a hot water storage cylinder. “These hybrid systems are already popular in Germany, France and Italy where – like the UK – people would love to be 100 per cent net zero. But they also know it realistically can’t be done all at once.” Apartments could also be accommodated with a new type of heat network system located in their basements, and partly fed by industrial energy overspills, such as the new housing complex at Battersea Power Station, which has some of its heat supplied by the nearby Tube. This type of solution could be well suited to big office blocks too. Some may even have capacity for a heat pump on the roof – The Shard already leads the way with a mixed-use system. “It’s not easy to retrofit an existing tower block, but it’s a labour of love when it happens,” says Martyn. “Very few people say that net zero isn’t a good thing,” he concludes. “We just have to make sure we move ahead in a way that produces the best results for everyone.” www.worcester-bosch.co.uk hwchamber.co.uk

Cover Feature

Karndean Designflooring: designs on a greener future Karndean Designflooring are going through a period of exciting change with the introduction of Fleur Carson as new managing director and the launch of Karndean Evolve, showcasing the company’s solid commitment to sustainability. Karndean have always gone the extra mile when it comes to better business. Fleur explains how sustainability is an ongoing part of that strategy, “It’s always been a key priority for us as and we’ve been openly transparent with our customers about how we invest and strive to do better. “We’re fully committed to a more sustainable future, appointing Jamie Shaw as global head of sustainability last year. We are now launching Karndean Evolve, our dedicated model to integrate sustainability into everything we do as a business. It involves six key focus areas: confronting climate change, health and wellbeing, sustainable use of resources, diversity and inclusion, supply chain transparency and education. “Sustainability is a journey that requires a roadmap, and we know there are no shortcuts. We are developing science-based targets that will require at least 50% reduction of greenhouse gas emissions by 2030.” Karndean’s manufacturing facilities have all installed - or are investing in - on-site renewable energy generation and energy efficient technology. This includes solar panels that generate up to 30% of electrical energy used on site, locally sourced biomass for heating and a closed-loop water system for the production line. Fleur commented, ’”We’re proud that more than 40% of our electrical energy use in Evesham is already provided by solar generation on the rooves of our buildings.” Fleur adds, “Our products are free from heavy metals and unsafe phthalates, as well as Eurofins Indoor Air Comfort (Gold) and FloorScore certified for post-installation indoor air quality, with third-party testing rating them A+ for volatile organic compounds. Our adhesives are either water-based or solvent-free with very low VOC emissions. Importantly, our products use as much as 50% recycled PVC in the backing layers, with material derived from post-production waste such as offcuts and process dust. “And aside from our products, our company cars are hybrid or fully electric.” Work has also started on Karndean’s multimillion-pound warehouse site at their head office in Evesham. Due for completion in November 2024, the 9,000m2 facility is targeting BREEAM Excellent and will include 460 solar PV panels with air source heat pumps, LED lighting and no use of natural gas.

“Promoting Equity, Diversity and Inclusion (EDI) is at the heart of our business, and it is embodied in our values and culture. To date, we have pledged the Armed Forces Covenant in October, partnered with People Plus, a social inclusion recruitment charity, and introduced a paid volunteering day for all team members.” “Our executive team are heavily involved in our EDI, running a series of in-house discussions on subjects they’re passionate about, such as mental health, diversity and social value. We’re also big fans of eating cake to raise funds, with our annual World’s Biggest Coffee Morning for Macmillan Cancer Support.” Referring back to the sustainability strategy, Jamie explains, “At Karndean, we are committed to producing stylish and durable floors with the lowest possible impact on the environment across the entire life cycle of the product. With the accreditations to back this up, all our product ranges come with an Environmental Product Declaration (EPD).” An EPD is an independently authenticated document to help specifiers make informed decisions about a product’s environmental impact and lifecycle. However, while it offers reassurance about stringent technical specifications, Jamie believes specifiers should get geeky with the information: “An EPD presents a snapshot of potential environmental impact within a

single specified scenario and is valid for five years. While there is best practice guidance when it comes to EPDs, there is also plenty of complexity and variability in the data offered by manufacturers who may use different scenario assumptions and select which data to include. “So, it’s good to know that transparent manufacturers like Karndean are able and willing to calculate project specific data, allowing specifiers to make accurate like-for-like comparisons.” The company are also developing a new contractual maturity model for supply chain targets, while the technical team continues work on innovative products to revolutionise the way we think about our built environment. Looking ahead, Fleur concludes, “Navigating the market has become a norm and our focuses remain the same; on our people, excellent service proposition and diversifying in the new areas. Listening to our customers and giving them the support they need. This looks very different to previous years, and we’re equipped to provide this. “We’re firmly focused on growth and future proofing to support our customers and ultimately, continue to grow our well-established brand. We’re excited and ready for 2024.” More information about Karndean Evolve is at Karndean.com/evolve.

Fleur explains, “It will more than double our warehouse space supporting us for the next 10 to 15 years. As one of Evesham’s largest employers, it will also help us create ten jobs initially. “We have also invested in an Energy Savings Opportunity Scheme (ESOS) audit in October 2023 to identify even more ways we can save energy as a business.

Fleur Carson

Herefordshire and Worcestershire Chamber of Commerce

Jamie Shaw

Your Business, Your Future, Your Choice.

Carrie Edwards

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HolmerCourt Court Holmer winners Court thisyears years in this years Holmer winners ininwinners this Healthand and Health SocialCare and Care Social Awards Care Awards Health Social Awards Holmer Court Care Home Holmer Court been Care awarded Home two has awards beeninawarded in two awards in Holmer Court Care Home hashas been awarded two awards Hereford Times Health the Hereford and Social Times Care Health Awards and 2023, Social Care Awards 2023, thethe Hereford Times Health and Social Care Awards 2023, with Richard Jones being with Richard awarded Jones ‘The Care being Worker awarded Award’ ‘The Care Worker Award’ with Richard Jones being awarded ‘The Care Worker Award’ and Rebecca Webber and Jones Rebecca ‘The Webber Dementia Jones Care the ‘The Award’. Dementia Care Award’. and Rebecca Webber Jones thethe ‘The Dementia Care Award’. Holmer Court Care Home Holmer is an Court Ashberry Care Healthcare Home isLtd anLtd Ashberry care Healthcare Ltd care Holmer Court Care Home is an Ashberry Healthcare care home that prides itself on providing that prides exceptional itself on care providing home that prides itself onhome providing exceptional care of of thetheexceptional care of the highest standards highest residents, standards who require to its residents, either memory who require care either memory care highest standards to to its its residents, who require either memory care assistance general day-to-day assistance residential or general day-to-day care either residential care on either a assistance or or general day-to-day residential care onon either a a permanent short-term permanent basis. The or home short-term facilitates basis. The home facilitates 33 permanent or or short-term basis. The home facilitates 3333 comfortable rooms with comfortable modern facilities, rooms with including modern Wi-Fi facilities, including Wi-Fi comfortable rooms with modern facilities, including Wi-Fi throughout property, throughout in-room the buttons, property, ain-room communal call dining buttons, a communal dining throughout thethe property, in-room callcall buttons, a communal dining room resident lounges. room The and home resident is committed lounges.to The to home providing isacommitted a to providing a room andand resident lounges. The home is committed providing safe comfortable home safefor and for comfortable residents, striving home forprovide residents, safe andand comfortable home residents, striving to to provide thethe striving to provide the highest standards, evidenced highest by standards, by also winning as evidenced year’s by‘Care also ‘Care winning last year’s ‘Care highest standards, as as evidenced also winning lastlast year’s Home Year’ Award. Home of the Year’ Award. Home of of thethe Year’ Award.

in touch, To get in touch nt touch, Manager 01432 351335 cboulter@ashberry.net contact: Claire Boulter 01432 eontact: contact: please cboulter@ashberry.netashberry-care-homes.co.uk 01432 351335 cboulter@ashberry.net Manager - Claire Boulter 351335 Manager - Claire Boulter

Above and beyond the call of duty In a Midlands meeting room, one wall is entirely covered in colourful post-it notes which map out the whole journey a Paycare Policyholder will go on – from enquiring about a Health Cash Plan, to signing up, to their first claim, and far beyond. “Our customer satisfaction levels are consistently very high, but we never want to become complacent. There are always ways to improve – and it’s with this in mind that we’ve analysed every single step in the customer journey, in addition to ensuring we comply with The Consumer Duty.”

Because, as the not-for-profit approaches its 150th anniversary, the team has gone above and beyond their usual review, reflect and refine process to really dig down into every single element of their work, highlighting where any streamlining or adaptations could help improve their already stellar reputation among their customers – but also using the opportunity to ensure good practice is recognised and formalised into their working policies. The process was prompted by the introduction of The Consumer Duty by the Financial Conduct Authority, which requires regulated organisations such as Paycare to ensure good outcomes for customers. The Consumer Duty is designed to ensure people receive communications they can understand; products and services which meet their needs and offer fair value; and customer service when and how they need it. But alongside ensuring all of their processes and offerings were compliant, the Paycare team decided to go above and beyond, explains Operations Director Nicola Mumford:

Some of the work may not be immediately noticeable to Policyholders – including simplifying processes and additional role-specific training. But other changes - like ensuring claim information is even easier to access and modifying all Policy Documents - will be more imminently noticeable. Paycare’s Anthony Burns and Stephen Burton-Pye discuss the customer journey project

“Our simple overarching mission is to make the UK healthier and happier, so when it came to ensuring compliance with all of the elements of the FCA’s new rules we wanted to incorporate that work into a much wider project involving every team.

Herefordshire & Worcestershire Chamber of Commerce

Customer Improvements Lead Rebecca Lister explains: “We really wanted to ensure we were showcasing the value of a Health Cash Plan from the outset – it’s about encouraging customers to utilise all of aspects of their plan, as we know being able to do so is part of the reason why we have always had a lengthy retention rate for both individual and company plans.”

Events

Featured upcoming Events __________________________________________________

_____________________________________________ ___

Herefordshire Networking Breakfast

Worcestershire Networking Breakfast

Wednesday 15 November 7.30-9.30am

Wednesday 29 November, 7.30-9.30am

Venue: The Hope and Anchor, Rope Walk, Ross on Wye, HR9 7BU

Venue: The Dice Box, 9 The Shambles, Worcester WR1 2RF

Enjoy an early morning networking breakfast set in Ross-on-Wye with light refreshments, the chance to meet new connections and hear from a local guest speaker.

Join fellow Chamber Members and business professionals from across Herefordshire, Worcestershire and beyond for a breakfast, refreshments, and plenty of networking opportunities.

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Lunchtime Online Networking

Maximise Your Membership

Thursday 23 November, 12.00-13.00pm

Friday 1 December, 8.30-10.30am

Platform: Zoom

Venue: Pearl Lake Leisure Park, Shobdon, Leominster

Sign up to our Lunchtime Networking to raise your business profile and make valuable business contacts. The online group session will provide the opportunity for each attendee to participate in a 60 second introduction and have further conversations in smaller groups in the break-out rooms. _________________________________________________

HR6 9NQ Come along to find out how we can help your business to connect and grow. The Chamber Team will help you understand more about the Chamber services, how we can support your business and ensure you make the most of your Membership. _________________________________________________

Growth Forum (Sponsored by EBC Group)

Christmas Netwalking

Tuesday 5 December, 9.30-11.30am

Wednesday 13 December, 12.00-13.30pm

Venue: Francis of Malvern, 235-237 Worcester Road, Malvern WR14 1AE

Venue: Queenswood Country Park, Dinmore Hill, Leominster HR6 0PY

This forum aims to provide a platform to share best practice and practical advice on a range of topics including innovation, export, skills and access to funding and helping to overcome barriers to growth.

This event combines building relationships with fresh air, exercise and a bite to eat. It will include time for networking over festive refreshments and a light lunch, then a relaxed 30-minute walk around the stunning Christmas trail at Queenswood Country Park.

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Booking Chamber Event Places To book places on any Chamber event please visit the website or email: hwchamber.co.uk/events-and-training-calendar / events@hwchamber.co.uk.

hwchamber.co.uk

Two Counties

Marches LEP launches new £140,000 transport fund A new fund to help finance the preparation of strategic business cases for vital transport infrastructure projects has been launched by the Marches Local Enterprise Partnership. The £140,000 fund – developed in partnership with regional transport body Midlands Connect – will be used to support the development of Strategic Outline Business Cases (SOBCs) for transport schemes. The launch of the fund comes after the Marches LEP commissioned a special report from transport consultants Aecom to highlight the most strategically important transport projects across Herefordshire, Shropshire and Telford & Wrekin. Mark Schneider, Marches LEP head of business development and delivery, said the LEP wanted to hear expressions of interest to develop SOBCs for transport projects in one or more of the following areas: Bus service improvement schemes that create a coherent regional approach that considers cross-boundary connectivity. Cycling and walking Infrastructure that creates coherent regional approaches and considers cross-boundary connectivity. Freight Route Network (FRN) improvements that enable better access, reduce unnecessary movements and help support clean, inclusive growth in the Marches and Mid Wales. Rail connectivity improvement schemes that accelerate delivery of the strategic upgrades that would make the greatest contribution to local rail network ambitions and complementary, intra-regional schemes that enable more local people to access the rail network in a sustainable way. Electric Vehicle Charging Infrastructure in communities across the Marches to serve growing demand.

Mark said: “It is vital that we build on the excellent work carried out by Aecom earlier this year through the further development of strategically important transport projects. “We know that creating an inter-connected, resilient, sustainable and environmentallyresponsible transport network is an absolute priority for our business community, our partners in local authorities and for all the region’s communities. “We’re looking for bids which provide for better interchange between different forms of transport, especially all modes to and from rail, and which demonstrate resilience in terms of climate change and carbon reduction. “Schemes should have a strategic impact in terms of the Marches economy through job creation, access to employment, education, and services as well as improved journey times and

reduced congestion and consider the creation of sustainable places, minimising the harmful environmental impacts of transport on public health and contributing to decarbonisation targets by improving air quality. “And in our predominantly rural area it is important that bids consider improved mobility and inclusion, helping to level up disadvantaged and excluded communities.” Of the £140,000 funding made available by the Marches LEP and Midlands Connect, £40,000 is specifically ring fenced for the development of rail related business cases, including multi-modal interchange with rail. The call is open to all incorporated organisations, including community groups with a legal structure. For more details of how to apply to the fund see: www.marcheslep.org.uk/our-funding

Opportunities for Net-Zero Support Net Zero Worcestershire and the Marches Energy Grant Programme, both administered by Worcestershire County Council, offers fully funded decarbonisation support and grant funding to empower businesses to embrace eco-friendly operations. Tailored support aims to help small to medium enterprises (SMEs) reduce carbon footprints, identify actions that will improve efficiency, generate CO2e and financial savings, adopt renewable energy solutions and implement sustainable strategies. SMEs can also take advantage of match-funded grants to invest in

energy-saving initiatives such as LED lighting, heating and insulation and renewables.

Let us help your business on its journey to Net Zero Not only will you be supporting a cleaner and more environmentally responsible future, but your business can also benefit from reduced costs, increased efficiencies, and a boost in resilience.

Herefordshire & Worcestershire Chamber of Commerce

To explore these opportunities further: Net Zero Worcestershire: worcestershire. gov.uk/netzero-support Marches Energy Grant: marcheslep.org.uk/ projects/marches-energy-grant-meg These programmes are part-funded by the UK government through the UK Shared Prosperity Fund.

SEND YOUR CUSTOMERS A XMAS BOX TO REMEMBER THIS YEAR We can supply boxes of your chosen 3 ales from our list below or if you prefer you could choose 2 ales and a Brew 61 glass. Here at Brew 61 we are passionate about producing ales with full flavour, brewed on the family farm in Worcestershire. We can supply boxes and ales or we can make them up. We can also personalise the boxes with your logo should you wish. We can make the boxes up to suit your needs. Please contact our sales team for further information or to place an order. Email sales@brew61.co.uk Tel No 01527 879472. Choose from the following: Grazing girls, Greenfields Gold, Spring Meadow, Bramling Best, BDA, Hazy Bale, Black Bull, Golden Fleece, Hop On, Brew 61 Glass.

WELCOME TO THE BEER FARM Brew61 is set in the heart of Worcestershire on our family farm. I started brewing as a hobby and now supply to local and National pubs, restaurants and farm shops. We do our best to make sure our brewery and the farm live in harmony. During the brewing process our spent grains are fed to the farms herd of Highland Cows and the waste hops are used as compost in the garden.

A BEER FOR EVERYONE No matter what your tastes are, Brew61 has a beer for you. We produce a wide variety of beer styles, ranging from Lagers, Hazy IPAs and Light Ales through to Dark. Our Beers are typically an accessible ABV. We created our beers to be full of flavour. Quality is key which has been recognised with multiple awards across our range.

Workwear with sustainability at it’s core In all areas of business, the time for greenwashing is over and for companies serious about sustainability to step up to the plate. GoCustom Clothing has been supplying custom printed and embroidered workwear to businesses in the region for over 25 years. Today the business is making waves, not only for its exceptional customised workwear but also for its steadfast commitment to sustainability. This business is a beacon for innovation, marrying function with fashion, while paving the way for a greener future in the textile and decoration industry. From smart polo shirts adorned with embroidered logos to personalised protective gear, they weave company identity into every thread. But unlike many, this business goes beyond aesthetics. GoCustom holds accreditations in ISO Environmental Management and a global traceability standard for organic products. They are sending a powerful message: Style and substance can coexist. Quality, however, remains uncompromised. They source only the best materials, ensuring that each piece is durable, comfortable, and kind to the planet. But perhaps what sets this business apart is their 5-star customer service. They understand that every company is unique, with different needs and preferences. Hence, they offer a wide range of apparel options and flexible workwear programs to cater to these diverse demands.

sense of identity, unity, and pride among employees. Because when workers wear their uniforms with confidence, they don’t just represent a brand, they become its ambassadors.

At its core, this local business supplying customised workwear is more than just a supplier; they’re a partner. A partner in fostering a strong

For more information, please visit gocustomclothing.com

YOUR DESIGN. OUR PASSION.

Herefordshire & Worcestershire Chamber of Commerce

Movers & Shakers

New cohort of trainees join mfg Solicitors Law firm and Chamber patrons mfg Solicitors has welcomed its latest group of trainees. Joining the firm as first year trainees are quintet Lucy Palmer, Florence Fisher, Molly Batten, Rachel Pick and Sufyaan Aslim. The five new recruits have been handed two-year contracts and as part of the programme each will spend six months training, alongside their studies, within four out of the firm’s eight departments.

Lucy Palmer, Florence Fisher, Molly Batten, Rachel Pick & Sufyaan Aslim

Partner Tom Esler said: “Alongside their studies, our programme will give Lucy, Florence, Molly, Rachel and Sufyaan the opportunity to work across various departments. It provides them with hands-on experience, working closely with our partners and clients every day. That’s vital to prepare them for the future and all five are already making an impression.”

Peter Tyrrell joins mfg Solicitors mfg Solicitors have strengthened its Private Client department with the appointment of a new partner.

Movers & Shakers Read about the latest movers & shakers for this issue.

Solicitor Peter Tyrrell, who has 18 years’ experience of advising and supporting a range of businesses, has joined mfg and will work closely alongside partner and head of department, Giles Scott. Based at the firm’s Worcester office on The Tything, Peter will focus on growing mfg’s Private Client offering, advising individuals across the region on a range of matters including inheritance tax planning and trust advice, alongside guidance on wills and estates.

Peter Tyrrell

Three new careers begin at Hazelton Mountford Further to a recruitment drive, including an Apprenticeship Day, Hazelton Mountford have successfully onboarded three new starters to join the growing HM Referencing team and Chartered Insurance Brokers, based in the heart of Worcester city. New colleague, Amaash Lone, joins the firm as a Claims Handling Apprentice: “Before Hazelton Mountford, I studied at Worcester Sixth form College achieving A-Levels in IT, Law and Sociology.” Amaash continues: “I aspire to be an important member of the team at Hazelton Mountford and aim for self-progression along with career progression for, hopefully, many years.” Harry Atkinson, Amaash Lone & Ethan Bozwar

Harry explains: “My inspiration to join the insurance industry came from my Dad, who told me that a career in insurance would best suit my strengths and can lead to a successful future.” Harry applied for the role of Trainee Account Handler at Hazelton Mountford as an Apprentice, specifically as their Chartered Status sparked his interest. Harry continues: “I was invited to the Apprenticeship Day by Gordon and Jake, in which I left keen to join. I am eager to learn the trade and excited to enrol myself into a progressive profession in insurance.”

Ethan Bozward, joins HM Referencing, saying: “I’ve enjoyed a few different jobs after leaving school but I have always wanted a career and I believe that in this role I can use my experiences to the fullest and hopefully become accomplished within this sector.” Gordon Hazelton, Group Managing Director, confirms: “After a successful recruitment drive, we welcome Ethan, Harry and Amaash to the team. Hazelton Mountford continue to strive for excellence and are always on the look-out for exceptional people to join our team. On behalf of the Senior Management Team, I wish Ethan, Harry and Amaash every success and look forward to supporting them and recruiting more talent to the team soon.” For more about careers in insurance at Hazelton Mountford please go to: www.hazeltonmountford. co.uk/careers-at-hazelton-mountford. hwchamber.co.uk

New Members

HoW College joins the Chamber as a Strategic Member With an unwavering commitment to develop even more employer relationships across Worcestershire, Heart of Worcestershire College (HoW College) proudly announces it is joining Herefordshire and Worcestershire Chamber of Commerce as a Strategic Member. Established in the 1830’s during the industrial revolution, Herefordshire & Worcestershire Chamber of Commerce is a dynamic member-led, not for profit organisation, working to support the local business community and member businesses. Strategic membership with the Chamber will allow the College, and its workforce, the opportunity to network with the most experienced and well-respected business leaders across the two counties at a number of formal and informal events. Speaking about joining Herefordshire & Worcestershire Chamber of Commerce as a strategic member, Michelle Dowse, Principal and CEO of HoW College said: “Heart of Worcestershire College improves lives through learning and supporting over

6000 young people and adults every year, to develop the skills to secure their first role, to return to employment or to upskill to secure a promotion or career change. As an anchor institution supporting our communities, our membership of the Chamber has helped us to forge relationships with employers who support us to prepare our learners for their next steps. We are thrilled to become a strategic member of the Herefordshire & Worcestershire Chamber and this step cements our collaboration to support employers in our region and ensure they have the skilled workforce they need. The College aims to nurture the brilliance of every learner, whatever their age or previous qualifications and we achieve this with the

support of employers who share their insights with students, help them prepare for job interviews, show them around their premises, enable students to work on real projects as well as help the College to design the curriculum so that it is aligned to employer needs. Our strategic membership will increase the number of businesses actively engaged in their local college benefiting our communities and our region.” Heart of Worcestershire College is the largest further education college in Worcestershire offering a wide range of vocational and technical courses in specialist subject area alongside a vast array of apprenticeships and higher education courses. To find out more about the College please visit www.howcollege.ac.uk.

West Midland Safari Park becomes Patrons West Midland Safari Park are delighted to announce that they have become patrons for the H&W Chamber of Commerce. It comes at a great time for the Bewdley tourist attraction, as they have plenty to celebrate for 2023 – a milestone year, as the Park celebrated its 50th anniversary in April and marked the occasion with new attractions, events and a conservation fundraiser.

Alongside the new developments, the Park held a Roar & Explore event for the summer holidays, where guests could join Eddie the Explorer on an adventure to find the lions, as well as take part in competitions and learn lion facts to earn a sticker.

the Park’s conservation partners, Global Penguin Society, WildCats Conservation Alliance, Save the Rhino International, The Mali Elephant Project and Lemur Conservation Association (AEECL).

For summer, the Park’s brand-new attraction, Lion Ridge, was opened by former England Lioness, Jill Scott MBE, allowing guests to see lions on foot for the first time in the Park’s history. Additionally, the Park opened four Lion Lodges, offering overnight guests the chance to sleep a whisker away from these magnificent big cats.

The Park also celebrated its 50th birthday with a conservation dinner, where over 250 guests enjoyed a three-course dinner, entertainment and listening to special guest speaker, award-winning TV presenter, Michaela Strachan.

Conservation success has continued elsewhere at the Park with the birth of an endangered red panda cub and a critically endangered Sumatran tiger cub – both a first for the attraction and great news for the conservation of their species.

Proceeds from ticket sales, auctions and a raffle managed to raise over £25,000 for

www.wmsp.co.uk

Caring for life across Worcestershire St Richard’s Hospice is an independent charity caring for adults with a serious progressive illness, improving their quality of life from diagnosis, during treatment and to their last days, while supporting their loved ones. Everything we do is made possible thanks to the wonderful generosity of our donors, supporters and volunteers, which includes our friends in the local business community. Tricia Cavell, Fundraising Director for St Richard’s, said: “With more than three quarters of our funding coming from supporters, we simply couldn’t be here for patients and families without the support of our local community now and into the future. “Being a Strategic Member of the Chamber of Commerce in Herefordshire & Worcestershire allows us to understand the challenges and opportunities facing our region as we work to boost income generation for the years ahead. Membership also

enables us to build lasting relationships with business leaders across two counties.” For more information about St Richard’s Hospice and the care we provide please visit www.strichards.org.uk.

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Business News

Karndean Designflooring Introduces New UK Managing Director, Fleur Carson Evesham luxury vinyl flooring company, Karndean Designflooring, has announced the appointment of its first female Managing Director, Fleur Carson, from 1st October 2023. Reporting to Karndean Holdings Ltd CEO Ed Perrin, Fleur will oversee the strategic direction and overall growth of the Karndean UK business in the residential and commercial markets. With 25 years’ experience in the flooring industry, Fleur has spent the past five years as commercial sales director and more recently as VP of sales for Karndean UK. As well as leading the opening of Karndean’s first commercial showroom in Clerkenwell, London, Fleur has been the driving force behind Karndean’s substantial growth in the commercial sector with sales increasing by nearly 50 percent since 2018. Earlier in her career, she has been responsible for key account management and strategic planning at Forbo Flooring Systems and Bonar Floors. Fleur’s appointment follows the departure of long-standing managing director, Paul Barratt, who after 11 successful years at the helm has decided to step down. Ed Perrin, CEO of Karndean Holdings Ltd, said: “Paul’s dedication to success has given the business solid foundations for our next stage of growth and we say a fond farewell. “I’m thrilled to see Fleur take her next steps within the business to leading our UK

Karndean business. Having celebrated our 50th anniversary this year, it’s the perfect time for Fleur to take the reins as we strive ahead with ambitious growth plans for 2024 including building a new state of the art, multimillion-pound BREEAM excellent warehouse. “Fleur embodies Karndean’s dedication to its people and customers. Her passion for ensuring the brand maintains and delivers the very best luxury vinyl flooring products in the market and highest quality service has played a significant role in Karndean’s commercial success. Likewise, establishing and positioning Karndean as the leading strategic partner of choice for architects, interior designers, developers and contractors. “We are confident that under Fleur’s expert leadership, Karndean will continue to be recognised as the UK’s leader in luxury vinyl flooring.” Fleur Carson, managing director of Karndean Designflooring, said: “I’m truly honoured and excited to take on the role as managing director at Karndean UK, particularly during this crucial phase of growth. This appointment represents not only a significant milestone in my career but also a testament

to Karndean’s commitment to recruiting, nurturing and developing talent within. “Karndean’s long-standing passion for delivering beautiful luxury vinyl floors that are designed for living, set it apart from other traditional flooring manufacturers. With dedicated teams and expertise throughout the business, Karndean is poised for growth and on-going innovation in flooring. This is particularly important as our customers expect meaningful and impactful flooring and that’s what we strive to deliver day to day.” Founded in 1973 by Mike Walker, Karndean Designflooring is a global leader in flooring design with operations in the UK, USA, Australia and New Zealand.

Considering the Impact of Index Linking on Premiums? As the economy continues to struggle and forecasts show significant fluctuation, there are many risks that businesses face. Many of these are naturally things that the board, or managing body are aware of and covered for, but this isn’t always the case when it comes to debtors. security also covers defaults although the point at which that comes into effect would be at the discretion of the business. By ensuring your business is covered under a credit insurance policy, you are also helping to mitigate risks associated with business growth.

Very often the biggest asset on a company’s balance sheet, debtors and their potential to default can often be the only risk a business isn’t insured against, so why is this risk mitigation not more commonly explored? Simeon Chapman, Director at Hazelton Mountford, says: “A lot of turnover is needed to make up for a loss, even to standstill. Credit insurance is a great option to mitigate against it”. We know that assets include all work done by business, so being owed money is a natural part of this process, but this needs to be done without threatening the overall health of a company. This is why Credit Insurance is a valuable tool that is missing from so many businesses, the cost of omission being often far greater than outlay. By transferring the risk away from your business and over to an insurer, a credit insurance policy is your protection against a customer being insolvent or failing to pay what they owe.

Business Direction 76

Articles inside

Recognition for volunteer charity team behind St Michael’s Hospice garden

Assure Technical recognised as a NCSC Assured Service Provider for the Cyber Advisor scheme

The Small Business Charter, the Help to Grow course & a return of the Executive MBA; an exciting time for the Worcester Business School

HMRC Up The Ante On R&D Claims

Considering the Impact of Index Linking on Premiums?

Karndean Designflooring Introduces New UK Managing Director, Fleur Carson

Caring for life across Worcestershire

HoW College joins the Chamber as a Strategic Member

Workwear with sustainability at it’s core

Opportunities for Net-Zero Support

Marches LEP launches new £140,000 transport fund

Your Business, Your Future, Your Choice.

Karndean Designflooring: designs on a greener future

Trust is a true champion of wellbeing at work

Meet Our Training Team

Net Zero – What is

1 2

the lid on carbon capture

for

The first Telford-based Specialist Defence and Security Convention UK is a runaway success

Free access to an online decarbonisation portal for Worcestershire organisations

Heart

Pershore College receives six figure grant for new supported learning facility

Calling all local businesses!

GL and Sunsynk produce GridBuddy energy storage for the new-build industry

Sustainability of Hargassner Biomass Heating Systems

FBC Manby Bowdler discovers a more sustainable way to do business

Learning on-the-go: EG People Development launches new eLearning offering

Net Zero – Where are we? What’s the opportunity?

Don’t look up! Why the pandemic has taught us that being prepared is more important than ever

Latest Quarterly Economic Survey Results

Expansion of mfg’s Private Client division

Industry leaders talk cyber security at EBC Group event

Navigating Complex Divorces: Understanding the Intricacies & Challenges of Financial Arrangements & High-Value Assets

BDL Wins Small Business of the Year at Chamber Awards

Decarbonising Heat: A challenge for manufacturers alone?

Sutcliffe Wins 5-Star Brokerage Award For Second Year Running

Chamber achieve Employer Recognition Scheme Gold award!

The Herefordshire and Worcestershire Chamber of Commerce Launch Member-to-Member Referral Scheme

ADVANCED TAX PLANNING FOR ENTREPRENEURS