Connections Scotland - Spring 2020 by NICEIC

Power surge How Scotland is leading the way in the push for renewable energy installations

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We can help with the downs and put the ups back on top Your mental health and wellbeing is important to us. Did you know that you and your families have exclusive access to our free Employee Assistance 3URJUDPPH RŏHULQJ D UDQJH RI IUHH FRQŐGHQWLDO VXSSRUW VHUYLFHV" We support anyone who is associated with our Industry. If in doubt just give us a shout! Our support services are here for you.

An Industry Charity that’s just for you.

Access Assistance 0800 652 1618 support@electricalcharity.org

0203 696 1710 business@electricalcharity.org facebook.com/electricalcharity @electriccharity

Electrical Industries Charity Registered charity 1012131 and SCO 38811 Registered Ofﬁce: Rotherwick House, 3 Thomas More St, St Katharine’s & Wapping, London E1W 1YZ Tel 0203 696 1710

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INSIDE

HELLO 4 During this unprecedented period of self-isolation and uncertainty caused by COVID-19, it’s crucial that we support and stay in touch with one another

INDUSTRY UPDATE 5 NICEIC and ELECSA’s support for the Electrical Industries Charity, a sad farewell to two long-serving employees, and support for consumers looking for competent, qualiﬁed contractors

RENEWABLES 6 As Scotland aims to go fossil

fuels-free for electricity by the end of 2020, opportunities are opening up for electrical contractors – from solar PV to car charging points

CONTRACTOR PROFILE 8 Tain-based Sangster Electrical may be rurally located, but it still gets the job done all over the Scottish Highlands

REGULATION 10 How the Electrical Safety Working Group’s upcoming campaign aims to help cut the risk of electrical ﬁre

CON TAC TS / CO N N E C T I O NS

Level 5, 78 Chamber Street, London E1 8BL EDITORIAL General 020 7880 6200 Email nick.martindale@redactive.co.uk Editor Nick Martindale Technical editor Timothy Benstead Sub editor Kate Bennett Designer Craig Bowyer Picture researcher Akin Falope Publishing and business development director Aaron Nicholls ADVERTISING/MARKETING connections@redactive.co.uk 020 7880 6206

PRODUCTION General production enquiries 020 7880 6209 Production director Jane Easterman Senior production executive Rachel Young Email rachel.young@redactive.co.uk SUBSCRIPTIONS Should you require your own copy of Connections or multiple copies for your staff, subscriptions are available by calling 01580 883844 CONTRIBUTIONS Connections welcomes ideas for contributions. Please email nick.martindale@ redactive.co.uk

© Redactive Publishing Ltd 2020 Level 5, 78 Chamber Street, London E1 8BL. Registered No. 3156216. All rights reserved. This publication (and any part thereof) may not be reproduced, transmitted or stored in any print or electronic format (including but not limited to any online service, any database or any part of the internet) or in any other format in any media whatsoever, without the prior written permission of the publisher. Redactive Publishing Ltd accepts no liability for the accuracy of the contents or any opinions expressed herein. Printed by Elle Media Group

ISSN 2042-5732

WWW.NICEIC.COM ENQUIRIES Certsure 01582 539000 Communications executive Debbie Shields 01582 539100 debbie.shields@certsure.com NICEIC Direct Paul Elcock 01582 539709 paul.elcock@certsure.com Twitter @officialNICEIC or @officialELECSA Customer services 0333 015 6625 Sales 0333 015 6626 Training 0333 015 6627 Technical helpline 0333 015 6628 Insurance 0333 015 6629

3 SCOTL AN D S PRI N G 2020

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T E C HN CAL KEVA N I PA RKER

Come together We live in challenging times and the electrical sector, like most others, is reeling under the impact of COVID-19. It’s important to help each other out in such an unprecedented period

s we move into spring, the world feels like a diﬀerent place: we face a world health emergency and unprecedented peacetime measures. While we may have little inﬂuence over the situation as it unfolds, we can pull together to look after one another. Our industry consists of many types of businesses, from large-scale organisations to sole traders. Today, each of these businesses face unique challenges; however, there is one thing that unites us all – our need for support. While we face physical isolation, we must avoid emotional isolation, and I urge you to use technology to stay in contact with each other and the world. You are not alone, and if you are struggling, there are services that can help lessen the burden. One is our corporate charity partner, the Electrical Industries Charity, featured on page 5. It is also important to remember that when COVID-19 disappears from view, the nation’s growing

dependency on electricity will remain – delivering many new opportunities for our industry. The driver for this switch to electricity is the need to reduce CO2 and greenhouse gases, something every nation is tackling but few are facilitating as rapidly as Scotland, as highlighted in our renewables feature on page 6. Scotland is a leader in this ﬁeld, and Scottish contractors are following suit, as we see increased numbers of you upskilling in areas such as electric vehicle charging and renewable energy installations. I am encouraged by this, and it is great to see Tain-based Sangster Electricals, featured on page 8, thinking ahead and citing electric heating, air and ground source heat pumps as areas for future growth. I want to close by encouraging you to continue this trend. Many opportunities are opening up to competent electricians, and those who add to their skillset now will reap the rewards. Stay safe, look after one another, and keep talking.

‘Those who add to their skillset now will reap the rewards’

Kevan Parker is managing director of Certsure

N I C E I C I N S COT L AND / ME E T T H E T E AM STUART THOMPSON, SCOTTISH SALES MANAGER Stuart is an experienced commercial manager with experience of national account management, project management and marketing. Based in Scotland, he is responsible for NICEIC Scotland membership and works with a wide network of members, key customers, stakeholders, business partners and speciﬁers.

PHILIP MARTIN, AREA ENGINEER Philip is an electrical technician with more than 30 years’ experience in all areas of the electrical engineering and petrochemical industry. Previously a senior qualiﬁed supervisor with British Gas, he helped establish its current quality auditing regime, which identiﬁes training needs for all electrical operatives.

EDDIE ARROWSMITH, REGIONAL ENGINEERING MANAGER Eddie is NICEIC’s regional engineering manager, based in Aberdeen. He served his electrical apprenticeship with British Rail and specialised in DC systems, high-voltage AC systems and DC machines. He worked for consulting engineers’ practices for 18 years, and was senior electrical engineer with WS Atkins.

EDDIE THOMSON, AREA ENGINEER Eddie has been an area engineer with NICEIC since 2001. After serving an apprenticeship with British Rail, he worked with several companies, carrying out electrical, lighting design and project management. He also spent some time in charge of a large maintenance and works depot.

LOUISE FRAME, AREA ENGINEER Louise covers the North Glasgow and Lanarkshire regions. She started her career with an electrical apprenticeship when she was 16. Since then, she has worked in homes, schools, offices and factories, theatres, sports stadia and museums. She became a QS and was in an electrical management role before joining NICEIC. NEIL STEWART, AREA ENGINEER Neil is our latest area engineer to join the NICEIC. Based in Livingston, West Lothian, Neil started off as an apprentice on new building and housing renovation with a small company in Edinburgh. Many years later, Neil has extensive knowledge in social housing, medical adaptations, the modular building industry and more. He has also been a qualified supervisor for over 20 years.

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SCOTTISH UPDATE

LABSS TIGHTENS REQUIREMENTS Local Authority Building Standards Scotland (LABSS) has strengthened its requirements for electricians not registered with an approved scheme provider. The self-certification form forwarded to these contractors will require confirmation of appropriate levels of both public and professional liability. LABSS represents Scotland’s 32 local authority building standards services and is the only appointed verifier for their geographical area.

Charity begins at home NICEIC and ELECSA have announced they will be supporting the Electrical Industries Charity (EIC) as their charity partner for 2020. This marks the start of a year-long fundraising campaign by NICEIC and ELECSA for the charity, which provides free, confidential, practical support to those working in electrical contracting. “We are delighted to partner with the EIC,” said Kevan Parker, NICEIC and ELECSA managing director. “The work the charity undertakes on behalf of the industry and its members is truly remarkable, and the service they provide offers a lifeline to so many. “We all need a helping hand from time to time, and knowing there is an organisation such as the EIC out there supporting our people is a great source of comfort.” The EIC is there to protect the health and wellbeing of anyone associated with our industry, and offers a broad

spectrum of services including, but not limited to, counselling and mental health support, general legal support, debt support and financial relief in immediate need. “It is wonderful to have NICEIC and ELECSA onboard,” said Tessa Ogle, CEO and managing director of the EIC. “We are incredibly proud of the support we provide and the positive impact we have on so many lives. Having partners such as NICEIC and ELECSA will provide a real boost to our efforts and we very much look forward to working with them moving forward.” If you are a member of the electrical industry and you or a family member need assistance, please reach out to the charity to see what options are available. You can do this by emailing support@electricalcharity.org or by calling their confidential helpline on 0800 652 1618.

NEW WEBSITE FOR COMPETENT CONTRACTORS Electrical Safety First has created a website allowing consumers to find qualified and competent electricians in Scotland – electricalsafetyfirst. org.uk/find-an-electrician/scotland. This offers the consumer links to the NICEIC, Select and Napit registers.

SCOTTS SUPPORT FOR RECOGNISED SCHEMES The Society of Chief Oﬃcers of Trading Standards in Scotland (SCOTTS) has made it easier to access electricians registered with an approved body in Scotland via the SCOTTS website. The site, at approvedtrader. scot/partner-organisations. php, demonstrates its support of NICEIC and SELECT, which operate schemes recognised by the Scottish government allowing electrical businesses to certify work carried out under building regulations.

IMAGE: ALAMY

NICEIC duo sadly missed Generations of electricians owe a signiﬁcant debt of gratitude to two NICEIC employees who sadly passed away late last year. Regional engineering manager Steve Davies and area engineer Yvonne Warner were instrumental in taking NICEIC and ELECSA from strength to strength and delivering outstanding technical excellence to contractors.

Steve was a long-term servant of NICEIC and worked as a regional engineer up until his untimely passing. With a background in heating, Steve joined NICEIC in 2009 and was responsible for writing many of NICEIC’s renewable courses. He was instrumental in helping to launch our MCS scheme and managed the assessors who delivered it.

Yvie joined NICEIC in October 2009, our ﬁrst female area engineer and a trailblazer in the electrical industry. She was a quirky individual and a popular member of the team for more than 10 years. Her assessment style was fair, informative and calming, and provided great technical insight around hazardous areas, the Green Deal, solar PV and wind turbines.

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REN EWA B L E S

Giving the green light BY ROB SHEPHERD

verting a climate catastrophe, lowering carbon emissions and increasing environmental protection are challenges that Scotland is tackling head on. The Scottish government has set targets that meet an equivalent of 100 per cent demand for electricity from renewable energy and 11 per cent renewable heat by the end of 2020. After announcing a climate emergency in 2019, it is also committed to having net zero emissions by 2045 – five years earlier than the rest of the UK. Scotland is a renewable energy powerhouse, with some of Europe’s the best natural resources. These are used to excellent effect and, according to Weather Energy, in the first six months of 2019 wind turbines provided enough electricity to power the equivalent of 4.47 million homes – nearly twice the number in Scotland. Frank Gordon, head of policy at the Renewable Energy Association, believes there is a strong business

case in the country’s commitment to renewable energy. “In the longerterm, energy sources that have low marginal costs of production oﬀer opportunities for businesses to reduce running costs,” he says. “Scotland is providing an example and gaining critical ﬁrst-mover advantages when it comes to expertise and skills.” TOP-DOWN APPROACH The Scottish government continues to set ambitious climate change targets. Its most recent Budget, on 6 February, outlined plans to increase deployment of renewable energy in a bid to reach these targets. “I welcome the announcement of £50 million to help local authorities invest in low-carbon heat networks,

as well as the assurance that rates relief will be guaranteed for such schemes until 2032,” says Nick Sharpe, director of communications and strategy at Scottish Renewables. “This package of measures will plug vital funding gaps and help Scotland build on its lead in rolling out innovative projects, and give industry the certainty to invest and deliver on the enormous economic opportunity presented by the transition to low carbon heat.” It has made a total investment of around £1.8 billion in 2020-21, alongside a further £2 billion for low carbon investments during the next parliamentary term. However, Nicholas Gubbins, chief executive at Community Energy Scotland, believes more must be

IMAGE: ISTOCK

Scotland has ﬁrmly established itself as a global leader in the adoption of renewable energy technologies and will not be using any fossil fuels to generate electricity by the end of this year. All this means signiﬁcant opportunities for electrical contractors

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would be wise to heed Grant’s advice. “It does require additional training for staﬀ and compliance with a number of standards,” he says. “None of these things come cheap so it’s worth considering the overall costs before starting out. It’s a volatile market and what is a popular technology today may not be tomorrow, so knowledge of current trends is recommended.” It’s a view shared by Kenneth Ferguson, managing director of Kenneth Ferguson Electrical Contractors. “We always look to enhance our business and renewables has provided a great way to do this,” he says. “However, as with any new service, it includes training, insurances, paperwork, audits and working with new suppliers.”

done to highlight the beneﬁts of any initiatives. “The move to a smarter energy system will create new opportunities but, in general, people are not up to speed with these developments, which can sound complex and arcane,” he says. “There needs to be a concerted eﬀort to help consumers and communities understand and engage in any developments.”

sector due to a number of customers asking if we carried out this type of works,” says company director Ronnie Grant. “We could also see a gap in the market and it was a good way to expand our company. We are still ﬁnding solar PV is popular among people who are large electrical energy users. Also, with the advancement of the electric vehicle market, people are considering on-site generation to reduce their reliance on grid energy.” The Natural Energy Company is one of Scotland’s longestestablished renewable installation companies, and reports a number of factors driving up demand. “Financial incentives have been strong drivers, but we have seen an increase in enquiries based on a desire to be more sustainable,” says company director Jenny McLaren. “Adoption could be accelerated by making the bureaucracy for ﬁnancial assistance and permission from the National Grid to install technology much easier.” Electrical contractors looking to enter the renewables sector

HOME FRONT Electrical contractors form a link between policy, investment, technology and consumers – particularly in the domestic sector – and can promote the sustainability benefits of renewables. This means there are business opportunities to be had, and those familiar with technologies such as solar photovoltaic (PV) panels, ground and air source heat pumps, biomass boilers, micro hydro, micro wind and solar thermal systems can benefit. RB Grant Electrical Contractors saw renewables as a way to expand its service offering. “We entered the renewables The amount of Scottish energy currently sourced from renewables

76%

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SOCIAL SERVICES According to Scottish Renewables, renewable energy accounts for the equivalent of around 76 per cent of Scotland’s electricity consumption, supporting more than 17,700 jobs and contributing more than £5.5 billion per year to the economy. It is also providing enormous economic, environmental and social beneﬁts in some of the country’s most remote areas. “These projects are not only tackling climate change, but are bringing skilled jobs and investment, which may otherwise not exist,” says Sharpe. The rest of the world can learn a great deal from Scotland’s achievements and attitude towards reducing carbon emissions through the use of renewables. It is therefore appropriate that Glasgow will host the 26th United Nations Climate Change Conference of the Parties (COP26) later this year, where Scotland can share its knowledge with countries that are yet to show the same level of commitment to this issue. Rob Shepherd is a freelance business journalist who specialises in the building services industry

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SANGSTER ELECTRICAL

In recent years Tain-based Sangster Electrical has grown to become one of the larger ﬁrms in the Scottish Highlands. But working in a rural location can throw up some challenges BY NICK MARTINDALE

Northern star Company Sangster Electrical Established 1972

THIRD GENERATION Jimmy’s son Peter joined the ﬁrm in 1991, and another son, Alan, followed a few years later as the company expanded into newbuild houses

and rewires. Both were trained by their uncle – another Alan – who still maintains a role with the business as its NICEIC Qualiﬁed Supervisor. The ﬁrm was badly hit when a local company went out of business in 1997, owing Sangster Electrical a large amount of money, and both brothers decided to go travelling. “It was a torrid time,” recalls Peter. “My father and mother battled through, keeping the company alive. “It went down to a skeletal squad, three or four guys. But we survived with the help of suppliers and a bank manager, and after I came back we started doing work for local councils. We were also helped by William Gray Construction, a local builder, who started to grow his business.”

IMAGES: EWEN WEATHERSPOON / UNP

ased in the rural town of Tain on the shores of the Dornoch Firth, Sangster Electrical has been serving locals’ electrical needs for almost half a century. The firm was set up by Jimmy Sangster and his father James in 1972. “My father worked for a local electrical company for 35 years. I served my time with them and then decided to set up on my own,” recalls Jimmy, who is still the managing director, although no longer actively involved in the day-to-day running of the firm. “It became untenable for my father to be working for another company and me being in opposition, so we set up together. I was 20 or 21.” Initially the focus was on local farms and houses, as well as repairing domestic appliances. “My father was well connected and that helped hugely,” recalls Jimmy. “The local farmers were loyal customers, and local builders were supportive of a young guy trying to keep going.” In time, a combination of more lucrative work and the rise of throwaway culture, which meant it was often cheaper to replace machines than repair them, meant the firm moved away from domestic appliance work.

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In 2001, Peter took on the day-to-day running of the business, which became limited a year later. He is supported by his brother, who rejoined in 2002 as a supervisor and moved into the office in 2017. “As the company grew it became evident that it was too much in the office for one person, so we work it between us,” says Peter. The business now employs 41 staff, and takes on one or two apprentices a year. “We do everything from the day-to-day maintenance to rewiring projects for Highland Council, but we will still go and fix Mrs Smith’s socket,” says Peter. Notable recent projects have been at whisky distilleries, including Glenmorangie, Dalmore, Whyte & Mackay, and the new Ardross Distillery. “We don’t do so much on the process side, as that’s more of a specialist area, but we take on the general installation work,” says Peter. The firm also works closely with a large local housebuilder, Springfield Properties, and has completed over 1,000 houses for it during the past 11 years. RURAL HURDLES The company covers most of the Highlands, from Elgin to Kingussie and up to the north coast, as well as the Isle of Skye, where it recently worked on a ticket office for Eilean Donan Castle. “I don’t have the men come in to see me every day; they travel straight to jobs from home,” says Peter. “The guys who work in Elgin either live in Elgin or Inverness, so the travel is reduced. But I’ve

grown up with it; when I was a kid I remember I got the morning off school because my father was working up north and I had to go and help him shift a caravan.” Emergency work is another strand, he adds, with the business covering virtually the whole country when called upon. Rural work can bring challenges. “The Isle of Skye is a tourist attraction all year round, so getting accommodation is difficult,” says Peter. “It’s become easier recently because people are going through Airbnb, which leaves traditional B&Bs available. Travel-wise it’s not a huge difficulty because we’re used to travelling, but we have to factor in that cost.” Communication on site can also be an issue; the recent project at the Ardross Distillery was hampered by a lack of phone reception and high-speed internet. The company’s turnover increased from £2.4 million to £3 million last year, and Peter is comfortable at that level. “If you go larger it can create other problems,” he says. “We’re in a rural area so we have to grow our own workforce, and maintaining a reasonable number of employees is a challenge. You take someone from school and they train with you and then look for a different challenge.” A local college that runs a pre-apprenticeship course has helped, ensuring those on apprenticeship schemes understand what’s involved.

‘The Isle of Skye is a tourist attraction all year round, so getting accommodation is difficult’

MOVING ON But there are potential areas of future growth, with installing, servicing and maintaining heating systems, including electric heating and both air and ground source heat pumps, being one option. “There may be potential in the process side of distillery work, too,” he says. James passed away in 2000 and, with Jimmy less involved than he once was, Peter and Alan will set the direction for the next few years. There is potential for the ﬁrm to pass to a fourth generation: “I have a son and Alan has two boys and a girl,” says Peter. “They’re still young – my lad is the oldest at 12 – but he shows interest and regularly comes on callouts at nights and weekends.” If there is a concern, it’s how big an impact Brexit will have. “Much as we would like to think it’s not aﬀecting us at the moment, a lot of people set budgets, so they were going to be spending their money during the 2019-20 tax year,” he says. “Now that we have left I think the challenges are coming forward. It will come down to budgets.”

£3m

Nick Martindale is editor of Connections

The company’s most recent turnover, up from £2.4m

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F I RE SA F E T Y

Reducing the risk A new campaign will encourage householders and businesses to ensure they use competent contractors, and can report cases of poor practice in the industry BY DAVID DOURLEY

Where the individual is a tenant, their landlord is reminded of their duty under current PRS guidance. February 2021 will see changes to Scottish legislation relating to fire and smoke alarms covering all types of homes. The SFRS will fit smoke detection in line with the new standards from this point. The SFRS is also the enforcing authority for most non-domestic premises such as hospitals, care homes, shops and offices. It carries out more than 7,000 extensive fire safety audits per year to ensure that those with responsibility for fire safety undertake their duties, and that adequate risk assessment and precautions are in place. LEARNING FROM EXPERIENCE Our proactive approach to fire safety has supported a steady decline in fire incidents, fatalities and fire injuries. However, these

‘The campaign will encourage consumers to check the contractor they appoint is part of a recognised trade or certification body’ events still occur. Our reactive approach following a fire incident allows SFRS and our partners to investigate the circumstances prior to and during the fire event. We investigate so we can understand why the fire started and how it developed. This feeds back to stakeholders internally and externally to enable analysis of the information, influence fire safety strategies, improve performance and generate evidence-based campaigns to improve safety.

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have been a firefighter for 22 years, and have attended numerous incidents where faulty appliances, poorly hardwired installations or electrical overloading have been named the most likely cause. Electrical fires in Scotland affect approximately 5,000 homes, businesses or properties every year. Each fire has potentially devastating results, putting lives at risk, damaging property and impacting on business. The Scottish Fire and Rescue Service (SFRS) works with partners across the electrical industry to reduce the likelihood of fire and ensure electrical fire safety advice is delivered to householders, business owners, consumers and communities. We deliver the free home fire safety visit programme to around 70,000 households every year, giving safety advice and fitting battery-operated smoke detection.

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SFRS typically attends 300 incidents per day, and fire investigations are categorised as Tier 1 or Tier 2. Tier 1 are those where the incident has been relatively minor and the incident commander at a scene can establish the most likely origin and cause. Tier 2 investigations are carried out where a fire scene is complex or involves large financial loss, injury, death or suspected criminality. They are undertaken by our specialist team of fire investigation officers, who will carry out a detailed forensic examination of the fire scene. COLLABORATIVE CAMPAIGN Following the tragic events at Grenfell Tower, the SFRS fire investigation team has been working with the Scottish Government, NICEIC, Select, Electrical Safety First (ESF), Trading Standards Scotland and other key partners to form the Electrical Safety Working Group (ESWG), tasked with improving

electrical safety. The ‘Safe Use of White Goods’ campaign is the first to be delivered by the group. It has highlighted the risks associated with white goods and encourages appliance registration, safe use and product recall checks. We are now turning our focus to other electrical hazards within homes and businesses. With responsibility for fire investigation across Scotland, I chair the ESWG. The group’s work is multi-stranded and considers the fire hazards and risks for all electrical goods, equipment and installation work. The next thing the group will focus on is electrical installation work potentially carried out by unqualified and incompetent individuals. As its work evolves and the next campaign is developed, SFRS

will gather evidence of faulty installations through investigation activity. Electricians may have a crucial role to play in supporting our investigation data and helping us build a comprehensive data picture. Reporting mechanisms for electricians still need to be developed, but it is hoped that data regarding substandard work can be captured to support development of the forthcoming campaign. The initial campaign will encourage the consumer to take simple steps to check that the contractor they appoint is part of a recognised trade or certification body, competent and qualified. ESF has provided a section on its website that allows the consumer to check if their electrician is registered with a trade or certification body (see Further Information). The campaign will be developed and delivered in 2020/21 and beyond. Evaluation of the campaign activities will be undertaken regularly to determine how successful elements of it are, and what further actions are needed to help protect the consumer in domestic and non-domestic environments. Group Commander David Dourley is head of fire investigation for the Scottish Fire and Rescue Service

FURTHER INFORMATION Electrical Safety First www.ﬁndanelectrician scotland.com Scottish Fire and Rescue Service (including details of how to arrange a free home safety visit) www.ﬁrescotland.gov.uk/

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CONTACT US ON 0333 015 6629 NICEIC-AND-ELECSA-INSURANCE.COM Note: IPT is currently 12% as at June 2019. This is a marketing communication. NICEIC and ELECSA are trading names of Certsure LLP which is an introducer appointed representative of Jelf Insurance Brokers Ltd. NICEIC and ELECSA Insurance Services, NICEIC Insurance Services, ELECSA Insurance Services, are trading names of Jelf Insurance Brokers Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA). Not all products and services offered are regulated by the FCA (for details see HYPERLINK “https://protect-eu.mimecast.com/s/qnOXCp8l6HVMXEIPIo9i” marshcommercial.co.uk/ info/terms). Registered in England and Wales number 0837227. Registered Ofﬁce: Registered Ofﬁce: 1 Tower Place West, London EC3R 5BU. Jelf Insurance Brokers Ltd is a wholly owned subsidiary.

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