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Using business enterprise risk management tools to help inform business leaders. Pushing the boundaries with pioneering new formats to reach more people in UK and beyond. Connecting with business leaders and entrepreneurs around the world.

Live video streaming for business will help identify assess and control corporate enterprise risks.

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Looking for online business reporters and Citizen Journalists to expand the pool of providers to this online channel. Communicate online to a broader range of consumer audience and business key decision makers.

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Citizen Journalism Articles and Videos

Become one of our citizen journalists

Take control of the news on the streets online. Play your part in the process of collecting reporting analysing and disseminating news and information locally and globally.

Looking for ordinary members of the public to report news events

Use your own equipment social media accounts and ideas. Spread the latest information real news and own insight. Report the facts your opinions and your conclusions independent of traditional news outlets.

Use a range of digital media to present a new style of journalism online. Take an active role in creating the news and critiquing local and world events. Seize the opportunity as an amateur journalist to spread the word.

Do you have an interesting business story? Do you have an opinion on your local or global economy? Want to discuss or debate a pressing enterprise risk problem? Have a Press Release you want to spread further? Join our online business enterprise risk management community for free. Send your pictures or video to editor@businessrisktv.com 

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Car Insurance Comparison

Looking for cheapest car insurance UK

Compare car insurance in the UK. The cost of car insurance in the UK rises and falls. However car insurance always has a significant impact on personal and corporate budgets.

Motor Fleet Risk Management
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Very cheap car insurance is a little bit closer in UK

It is easy to compare cheap car insurance in UK. Whether you are responsible for your household budget or business budget it is easy to compare the cost of car insurance in UK.

It is not always to beat the car insurance renewal price. That can depend on car insurance market fluctuations.

UK car insurance premiums biggest annual fall in average price since 2014

The cost of a comprehensive motor insurance policy fell 11 percent in the UK between April and June 2018 compared to the same period last year.

Willis Towers Watson insurance brokers has reviewed the cost of car insurance in UK for confused.com. The insurance broker has found that car insurance premiums have fallen for the fourth quarter in a row.

Motor Insurance for Business

General Commercial Insurance Experts

BusinessRiskTV Car Cheap Car Insurance UK

UK Entrepreneur Centre

Work with others on ideas to grow your business faster

SME business thinktank on business growth and development. Entrepreneurs and business leaders developing new income more profitably. Focus on reducing costs increasing productivity and maximising profit for small to medium sized businesses in the UK.

SME Business Club and Thinktank
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Small medium sized businesses in UK growing faster with less uncertainty

Join our interactive business think tank to network with business leaders to grow your business faster.

Business Enterprise Risk Management Experts
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Risk Perspective

Enterprise Risk Resilience Consultants

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Risk Consulting

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Developing Business Strategy

How to develop a business strategy with risk based approach to protection and sustainable growth

Developing a business strategy with a risk based approach reduces uncertainty. Reducing uncertainty boosts business performance for the long term.

Strategy Consultants and Experts For Business

Strategy Development

Developing a business strategy for sustainable growth. Tackle both the threats and opportunities to your business. A holistic enterprise wide integrated risk based approach to decision making.

 

Build your business on more solid foundations

Your new practical business strategy will use our practical approach to holistic enterprise wide risk management ERM. Adopt our guided enterprise risk management approach when taking strategic operational and project decisions.

We will help you create a roadmap for the greater success of your business. Invest your time skills and energy with less uncertainty of the outcomes.

Risk Consulting and Risk Management Services Roadmap Framework Culture
Set the direction of your business with an integrated holistic enterprise risk management approach

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UK Economy Weak Start To 2018 Due To Weather Not Economic Climate

Latest Economic News For UK

UK economic growth 2018 started more slowly than end of 2017. The UK economy news is normally weaker at the beginning of the calendar year. Most of the UKs economic growth comes as the calendar year progresses.

UK economy news
Latest economic news for UK and global economy

Governor of the Bank of England Mr Carney

Mr Mark Carney the head of the Bank of England says poor UK economic activity at the beginning of the calendar year 2018 was due to the weather and not UK economic climate.

In addition Mr Carney reports that all slack in the UK economy has been taken up and this is likely to push up UK prices and UK inflation.

With very high levels of employment low levels of unemployment and a million plus job vacancies unfilled it is more likely that wages will increase faster. UK employers will need to pay more to attract candidates and to keep existing staff.

Jobs Trending Now

Mr Carney paints a rosier future for the UK economy in 2018 with downside risks including global international trade war. UK interest rates more likely to rise later this year and this should boost value of the UK pound.

UK Business Magazine

BusinessRiskTV UK Economy News

Future Of The High Street

What do people want from the High Street

Not just shops! Just shopping on the High Street is no longer enough for the consumer nor the High Street. We have to be a bit smarter more innovative and put into action a more radical approach to delivering what people want from the High Street now.

Death of the High Street Statistics
The High Street will become a bigger part of the community not less

Britains High Streets have a bright future if entrepreneurs business leaders and local planners are a bit smarter

The High Street will become a bigger part of the community not less if we work at building a better future for the High Street in UK.

Retail therapy is still important to many but the High Street can do so much more for the local community

Retail experts have a role to play on the High Street in the UK. They need to be a bit more imaginative creative and innovative to deliver a High Street fit for the future. Selling stuff is no longer enough. Entrepreneurial retailers will sell experiences night and day.

The notice of the Death of the High Street is premature!

Future of the High Street
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Are you interested in retail business?

Want free tips advice and support to grow your retail business faster? Want the latest retail news discussion debate and product reviews? Need to market your retail business more profitably?

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Live Online Discussion Future of the High Street

Seeing the death of the High Street in UK or does the High Street have a new brighter better future?

Future of the High Street Discussion
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Corporate News Articles Video Streaming Online Opinions Reviews

Latest BusinessRiskTV Business News Articles and Videos

Breaking personal finance corporate company financial and global economic news. Risk insight and business analysis into UK and global markets.

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Get business news and learn about the business trends that are affecting businesses in UK and overseas

Keep up to date with latest business stories. Read the latest news and watch coverage on company news. View images videos and more on business news on BusinessRiskTV.

Updated business and economic risk analysis

Read and watch breaking business coverage and top headlines on BusinessRiskTV

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Tesco and Carrefour Strategic Alliance

Retailers continue to put pressure on suppliers to cut costs

Biggest retailers continue to create strategic alliances to maximise profit and protect mutual retail market share. Carrefour and Tesco plan to formalise an informal arrangement for global long-term purchasing alliance.

Food and Drink Magazine UK
Food and Drink Magazine

The strategic alliance will aim to put pressure on global suppliers to reduce their prices. Such cost reductions will enable retailers to maximise profit or protect and grow market share.

Is the survival of your supplier business threatened? Will retailer strategic alliances crush your profit? How can you change your small medium sized business strategy to combat continual pressure from big supermarkets?

Supply Chain Risks Management

Retailers have to respond to threats to their core business objectives. The world of retail is currently undergoing seismic changes. The pace of change is only going to accelerate. How prepared is your retail business to manage threats and seize new business opportunities?

Subscribe to our retailers risk management forum for retailer key business decision makers looking to protect their business better or grow faster

Retailer Risks Management Tips Advice Support
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BusinessRiskTV Retail Business Experts Exploring Threats and Opportunities for Retail Businesses in UK and Around the World

Corporate Risk Spotlight

We turn a public eye on key business risks

The corporate risks behind the latest news headlines put under the spotlight to identify the lessons business leaders need to learn to protect their own business. Grow faster with less uncertainty about risks on horizon or here right now.

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BusinessRiskTV Corporate Risk Spotlight taking a look behind the business and economy news headlines
Risk Spotlight Early Warning Identification For Business Leaders
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Digital World

Our Digital World

Digital world supports the real world. The digital world rate of change is set to accelerate. It threatens millions of jobs and creates new jobs. Train to take advantage of bright new digital world.

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Take advantage of digital world

Balance out the threats and opportunities to your career. Train to take advantage of bright new digital world.

Digitalise your existing SME to grow faster. Start a new business to achieve your dreams and ambitions.

Bring your products or services to the attention of marketplace

Partner with C&C Associates and other business leaders. Seize new business opportunities from the new digital world.

  • Existing technology is not being used to maximise potential benefits
  • Emerging technology is yet to be explored to realise potential
  • Yet undiscovered tech developments need to be grabbed wholeheartedly

Riding best waves require you to be just in front. Being behind the wave means you miss out. Being ahead of wave risks your assets being wiped out! Getting timing just right requires training tips and advice.

Ride the new digital world!

Explore the digital world more today. Stay informed about digital technology world. Do not just learn about technology. Use it in practical way to grow your business.

  1. Make the most of every new development
  2. Help others to develop their knowledge
  3. Make the digital world a real lifestyle choice

Shape your future world of business. Jump aboard the digital revolution! Empower yourself and your employees. Engage your customers more. Win new customers more profitably. Make the most of your business physical assets with cyberspace. Integrate your bricks and mortar plans with ecommerce. Innovate in digital world with help from new partner network.

Invest in the digital education and promotion. Deliver what your customers and potential customers need faster.

Being a member of BusinessRiskTV.com is free. Receive free alerts. We will use your data to keep you up to date. Stay ahead of digital world information more easily.

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London Business Forum

BusinessRiskTV Online London Business Forum

Enterprise risk insight for businesses in London. Build resilience and business intelligence to inform decision making. Engage your workforce more in your business objectives. Network with top business thought leaders to grow faster.

Top business leaders and thinkers in London
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Online events for top business thought leaders for London

Bringing together thought leaders to protect businesses better and expand faster. Influential business decision makers collaborating for mutual benefit. Providing extensive networking opportunities to meet and engage with your peers.

Overcome barriers to doing more business in London and beyond

Learn about working with your peers to achieve more together. Expand your business contact network.

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London Business Club

Better Protection Faster Growth In London

Doing more business in London. Networking better in London to explore new business opportunities. One stop shop for business and lifestyle in London.

Best Leading Business Club In London
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Better Opportunities Fewer Threats

An online network of best business thought leaders in London.

  • Exploring practical cost effective ways to grow faster
  • Identifying best ideas for reducing business costs
  • Maximising profit for London business club members

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Risk Management Specialists

Risk Management Experts

Help from country risk experts and industry risk experts. Solve your business problems faster. Boost performance. Protect business better. Grow faster.

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Develop your risk knowledge and business intelligence

Access expert guidance to identify analyse assess and manage risks. Whatever size of business wherever you are whatever industry

  1. Learn how to manage your business risks better
  2. Identify if you have an effective risk management framework culture or process
  3. Reduce the total cost of risk
  4. Increase new business opportunities
  5. Maximise return on your investment of time and money

Identify risk improvements necessary. Develop your skills and the risk management skills of workforce. Review where you are now. Receive recommendations for corporate risk improvements. Our risk management experts can help guide your business decisions.

Manage the issues facing your business better. Gain enterprise risk insight to understand threats and opportunities.

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Looking Back To Move Forward

Looking back at past mistakes to make future better

In order to move forward we must look back. If we want to create a better future for our businesses we need to learn the lessons from the mistakes of the past.

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BusinessRiskTV : the business and economy headlines, the risk analysis, the risk management debates – sent direct to your mobile device, PC or TV

Sometimes you have to look back to move forward

Nobody wants to make mistakes. Where they have been made we should not repeat them

  • Achieve what we want from business decisions quicker and easier
  • Reduce risk of duplicating past mistakes by learning the lessons
  • Benefit from others mistakes as well as your own mistakes

Learn how to use past mistakes to make business better. Undertake risk reviews to check what  went wrong and why. Develop real risk insight to build your business intelligence.

Often we learn more from failure than success. Ultimate business performance can be higher after lessons learnt. Not reviewing risk management errors condemns you to repeating them.

Transform your business on back of past mistakes. Your past mistakes can be the foundation of your future success. However do not dwell on past mistakes. Learn lessons move on but do not keep picking wounds.

Step into your future by looking back at past mistakes

Collaborate with business leaders around world. Learn lessons from their mistakes and from businesses not in the collaboration. Review business mistakes so we do not suffer same fate.

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Looking back at past mistakes to move forward

Risk Expert Panels

BusinessRiskTV Looking Back To Move Forward

Financial Services Jobs At Risk Of Automation

The Bigger Risk To Financial Services Jobs Is Automation Or Robots Not Brexit

Ignore the threat to financial services industry jobs of Brexit. You should be much more worried about the threat of robots. Job automation is the biggest finance sector threat and opportunity.

Financial Services Industry Risks
Financial services industry news headlines risk analysis and financial reports

Job Automation Risk To Your Financial Sector Job

No doubt. Financial services industry is very important to the UK economy. If financial services jobs were lost other sectors would be affected. Fewer services jobs needed to service those in financial services jobs!

Many jobs in financial services are high paid jobs. Top British bankers are paid much more than elsewhere. Resistance to moving to Germany is as much about personal reasons. The UK economy may or may not suffer after Brexit. Bankers will suffer.

However people in financial services are facing automation existential threat. Never mind moving to Germany your job is going full stop!

FinTech company jobs will be prevalent. Bankers less so. Most financial services jobs can be done faster cheaper better. Robots will be

  • less emotional
  • more reliable and
  • after a few years significantly cheaper

How long do you think the C Suite will keep your job. If job automation is better for bonuses your job is toast!

Existing financial services jobs are like UK miners jobs. The buildings will remain but the people in them will be different. Cyber security and fintech risk managers will be plentiful.

  • Banks insurers and funds will need cyber experts. They will stop external and internal threats to money.
  • Fintech risk managers will direct risk appetite and risk tolerance
  • C suite virtual bankers insurers fund managers will be wealthier
  • Wealthier investors but more at risk of systemic industry collapse
  • Software developers will frequent the bars and restaurants. Existing financial services people will be there waiting on tables!

Most existing financial services jobs will be lost to job automation. Do not doubt this for a second!

However it is not all doom and gloom. The key to survive is to move into the new financial services sector jobs. Some new financial services jobs do not exist right now! You must change your skills set to take advantage and survive.

Its not just the top bankers that need worry. Indeed they are the ones most likely to easily morph. Financial services jobs most at risk

  • Mortgage advice
  • Financial and investment advice
  • Insurance advice
  • Any financial services sector job your current phone app replaces!

Consumers have a choice to use financial services apps and websites. In future the consumer will have no choice. Financial services consumers will not speak to people. People will be gone replaced by job automation. The robots will have taken over the financial services world!

There is no point in complaining. No point arguing with us. Better spending your time reskilling instead. Stop worrying about Brexit. Start retraining to overcome threat of job automation. Learn tech skills not German!

BusinessRiskTV.com Financial Services Jobs At Risk Of Automation

European Free Trade

Pan European Business Collaboration

Eurozone European Union EU or European Economic Area EEA free trade. Whatever your business relationship with UK collaborate more on BusinessRiskTV.com. Cooperate to sell more to each other more easily.

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Whether you align yourself with just UK EU Eurozone or EEA or none of them

Trading more brings down barriers. Every free trade agreement has an edge demarcation or barrier. Pull down barriers by trading more freely one to one. Then national barriers will fall.

EEA provides for the free movement of persons, goods, services and capital within the European Single Market

To get the most out of your business assets you do not need a free trade agreement. It does not matter if you are in favour of Brexit or not. You have to manage the threats and opportunities from Brexit. If your business is in the UK EU EEA or on the other side of the world trade more.

BusinessRiskTV.com offers practical tips tools and techniques to trade more

Simple steps to trade more

  1. Subscribe for free
  2. Tell us about your business
  3. We will suggest how we can help you trade more

You do not need to do what we recommend. What we recommend will increase your opportunities for business growth.

There is an argument that the EU27 were being held back by UK. Maybe UK is being held back from global growth by EU? Most business leaders no longer care.

  • Most do not trade outside of their country
  • Most just want to know what the new environment is
  • Most will get on fine with whatever is agreed

Our role is not to meddle with the politics. What will be will be. Our duty is to make the best out of the finalised deal. BusinessRiskTV.com will help business leaders wherever they are trade more profitably.

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BusinessRiskTV.com Pan European Business Collaboration whether in Eurozone EU EEA or None Of These

How To Overcome Trade Barriers In International Trade

Strategies To Overcome Trade Barriers

Develop access to overseas marketplaces. Develop a new strategy to access new incomes streams. Diversify your income streams and build business resilience.

Strategies To Overcome Trade Barriers
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Overcoming Trade Barriers

Do not know where to start to export more overseas? BusinessRiskTV.com can help you overcome barriers to more overseas trading.

  1. Join the relevant working group for your business
  2. Cooperate and work together to generate new revenues
  3. Agree the best new business development strategy

Work with local and global business management experts to overcome all trading barriers. Combined risk knowledge will help you break into new markets. Grow your business faster and build business resilience.

We help you increase market access. Enhance capability to remove barriers to overseas trade. Learn how to overcome barriers to trade yourself.

Work together to negotiate who will do what and when.

  • Inadequate risk knowledge may be holding your business back.
  • Reduce the costs of exporting more overseas
  • Exporting more not only increase sales it increases business resilience

Connecting people with demand with people who can supply.

How to overcome trade barriers in international trade
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What Are Your Tips For Increasing Overseas Trade

Maybe you you have your own best tips to increase trade? Any questions on increasing your overseas trade? Engage online with your Twitter account.

BusinessRiskTV.com How To Overcome Trade Barriers In International Trade

Forging Effective Business Alliance For Better Protection and Growth

Building Strategic Business Alliances

How to make strategic alliances work? We will develop win win collaborative work and projects success. BusinessRiskTV.com will forge and manage all strategic alliances.

Thought Leadership Strategy With Effective Business Alliance
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Successful Strategic Alliances On Business Resilience and Growth

Our strategic alliance process

  1. Identify the measure of success outcome each partner wants
  2. Plan the work to ensure success delivered for all parties
  3. Monitor and adjust final project outcomes to maximise performance

Strategic partnerships to strengthen your business resilience and find new opportunities for business growth

  • Practical tools and techniques to produce sustainable ways to increase sales.
  • Adopt risk based decision making process.
  • Learn about best working practices

Forge new business alliances with business leaders locally and globally. Effective partnering will achieve your company objectives with less uncertainty.

Planning A Strategic Alliance For Your Business

Wherever you are. Whatever industry you work in. Whatever you want to achieve.   There is a business alliance to create here

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BusinessRiskTV Effective Business Alliance For Better Business Protection and Growth

Guidance Coaching Instruction Best Business Practices Achieve More

Do the groundwork to cultivate better business outcomes

Learn more disciplined risk based approach to business decision making. Doesn’t mean a less innovate or creative business. Does mean readying your business to take advantage of opportunities.

BusinessRiskTV Risk Academy Training Courses
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Business Risk Academy

Achieve best practice in strategic planning operational and project management.

  • Increase Sales
  • Reduce Losses
  • Maximise Profit

Use new tools and techniques to achieve management best practices.   Learn more about the best ways of working. Achieve your business goals more easily more predictably.

Best Practices In Business Management

Develop new business management practices for greater success. Unlock new growth for your business with less uncertainty. Build stronger business resilience.

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Inspiration For Business Leaders
Business leader coaching and mentoring with BusinessRiskTV

BusinessRiskTV Guidance Business Coaching Mentoring Instruction Best Business Practices Achieve More

Why Business Risk Management Is Important

How To Manage Risk In Business

Practical ways to manage risk better. Tackle common business risks holistically enterprise wide. Learn best practice risk management techniques in business.

Best Practical Guide To Business Risk Management
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Its not about how to reduce risk

External or internal driven risks threaten your business. They also create new business development opportunities. Reducing the effect of uncertainty on your business is important.

How do you manage enterprise risks? Do you put risk into different silos like safety, insurance, cyber risk, sales strategy etc? They can be rolled into one holistic risk based approach.

What is the most effective way for a business to manage risk? Look at what you are trying to achieve? Could you achieve more with your existing assets? Has good luck been saving you from disaster?

Understand the bigger picture first. When you know what risk you have then manage it.

There is danger being in business. Danger that you could blow your value. Danger you could under perform.

Join the discussion on how to manage risk in business better

Campaign for better manage of enterprise risks. Join the discussion on business risk management for free from your twitter account.

Manage Business Risks Better

Read more about business risk management. Watch videos online from your phone pc or tablet

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Enterprise risk management articles. Latest news opinions and product and service reviews. Engage with your peers. Ask the experts for help to overcome your risk management problems.

Read more and watch more videos online. Develop your risk knowledge to improve business performance. Sign up to BusinessRiskTV.com for alerts to latest in business risk management.

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BusinessRiskTV.com Manage Business Risks Better

Business Intelligence Tools and Techniques To Protect and Grow

Develop Your Risk Knowledge and Awareness

Our business intelligence tools and techniques protects your business better.   Grow more sustainably with less uncertainty.   Look to the horizon to see the threats and opportunities.   Put in place the best risk management action plan.

Best Enterprise Risk Management Practices
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Analyse emerging risks and developing existing risks

Our business intelligence solutions cover:

  • Develop your knowledge of your target country corporate risks
  • Cover risks across many sectors of business
  • Understand specific business risks better

Gather organise and analyse corporate risk information.   Inform your business decision making.   Make better decisions.

Assess the pros and cons of your current business strategy

Measure the upside and downside risk of your business strategy.   Use a holistic risk based approach to reduce uncertainty.   Develop business intelligence techniques for better decision making.

BusinessRiskTV.com Business Intelligence Tools and Techniques

Identifying Business Opportunities

Optimise Risk For New Business Opportunities For Your Company

Identify and evaluate all the opportunities for a better future for your business.   Proactively keep all business opportunities under review and assess the potential outcomes of pursuing each opportunity.   Focus your resources on winners using a risk-based decision-making process.   Optimise the return of your investment of time and money.   Create greater value and optimise outcomes.

Analysing Your Business Strengths Weaknesses Opportunities Threats SWOT
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How To Identify new business opportunities

How do you become more successful as a leader?   The answer is to reduce the risks and maximise the opportunities for our company.

It is most certainly a challenge to grow a business faster with less uncertainty, but that is what we help business leaders do.   Don’t miss out on the new opportunities for your business to grow faster.   Minimise the extra threats from taking more risk and maximise the opportunities for your business with your existing resources.

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BusinessRiskTV.com Identifying Business Opportunities

Helping Small Businesses Grow Faster

How To Grow A Company Successfully

Learn how to grow revenue and profit faster that your industry norm.   Our experts work alongside SMEs to design and implement business growth plans.

Get Help To Grow Your Business
Get Help To Grow Your Business Faster – BusinessRiskTV.com

Work with us to:

  • Increase revenue and profit
  • Improve employee productivity
  • Build long-term business sustainability regardless of risks

Find out more for free

BusinessRiskTV.com How To Grow My Business Fast

Thinking Differently

Making Business Better By Thinking Differently

What has worked in the past will probably work quite well in future, but we are thinking differently to find ways that will work better for business.   Thinking differently about business threats and opportunities to build resilience and greater success.

How To Think Differently About Business Threats and Opportunities
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Exploring business innovation and new ways of doing things that are better for all business stakeholders.

  • Helping to inspire business leaders to achieve more with existing resources.
  • Collaborating with realistic pragmatic people.
  • Guiding like-minded individuals around the world.

Bringing entrepreneurs and business leaders together to work on future today.

Are you happy with the way your business is performing?   Could you squeeze more out of your existing business assets to achieve more?   Great change can come from thinking differently together.   Take the first step to changing your business for the better by contacting us now below and enter code #ThinkingDifferently

 

BusinessRiskTV.com Thinking Differently

What is your business doing to protect and grow in a few years time not just a few months time

Successful Businesses Create Their Own Future

BusinessRiskTV.com will help you grow locally and globally.   Invest a little of your time now in your future business growth.   Use our tools to make your business gorw faster.   Now is the right time to consider your future with a local and global business expansion strategy.

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BusinessRiskTV.com How To Expand Your Business Internationally and Locally

Insurance Collaboration

Call for insurance collaboration

Looking for a way to disrupt the commercial business insurance marketplace? Could Amazon Apple or Google sell commercial insurance policies cheaper and better? You are damn right they could. All three have pots of cash they could invest in selling business insurance more cost effectively. Will it happen perhaps not.

Once banks sort themselves out a while away I give you that they could become dominant virtual insurance companies in the commercial insurance marketplace. What about

  • Walmart or other supermarkets selling commercial insurance
  • Oil producers  might start deploying their money in other less risky ways to make a profit
  • State funds like Dubai or Norway built on oil could see insurance as an opportunity. An opportunity to totally disrupt the insurance marketplace

Financial Services Jobs At Risk Of Automation

Apple and Google will take over the automotive marketplace in the future if Tesla are not too busy trying to get to Mars. Maybe too busy to attack the commercial business insurance marketplace but their innovative approach is a very good example of how traditional thinking in business could result in an obsolete company. BMW Ford et al none of them are immune and neither are insurance companies or insurance brokers.

Maybe your clients will buy their commercial insurance whilst on a flight across the channel on a business trip to USA. The insurer? Norway State fund is more stable than any insurance company. It might even take over a smaller insurance provider and use it as a base to disrupt the insurance marketplace.

Is the traditional insurance marketplace too big to be attacked?  Well AIG were not too big to fail. Smaller players in the insurance marketplace are not too big to suffer failure from different cause disruptive innovation.

Traditional ways of selling and distributing insurance cover to businesses are working

However could they also be done differently? We believe so and are seeking insurance provider partners to work with us on designing innovative ways to market and sell commercial insurance online locally and globally.

Integrating commercial insurance in holistic risk management could head off insurance marketplace disruptors from wherever they emerge.

However traditional ways of using insurance cover to help give business leaders a quiet nights sleep may be too conservative to survive.

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Our point of contact to discuss more profitable ways to delivering insurance protection is Keith Lewis.

Do you want to grow your insurance business faster, more profitably and more sustainably?



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Are Oxfam Carillion and Growing Skills Gap in UK USA Japan just some of the more recent examples of the senior management malaise or examples of systemic failure of current crop of capitalists

We fail and then we fail to learn!

The long list of failures to manage enterprise risks is too depressing to list here.   Such a waste of time, money and life!  What an opportunity cost to corporate entities and society.

The only long lasting positive thing to come out of each major risk event, or negative aggregation risk outcome, is legislation

Our present crop of senior managers, executives, fund managers and politicians aren’t any worse, or better, than previous ones.   Talking a good game about risk, governance or compliance GRC is often followed by another failure to manage risks with all stakeholders in mind.

Eventually the general public start looking for heads to lop-off and new legislation is written that can often be more risk-averse than it needed to be, but The People got sick of the incompetence at the top and “something had to be done”.

Business leaders and politicians often moan about statutory legislation, but if managers could manage risks better we wouldn’t need more legislation.   Recent examples of major risk events, or aggregation of regular failure to manage smaller risk events, are more examples of our key risk decision-makers failing and more legislation is required to fill the gap in risk management knowledge and/or failing corporate risk management culture.

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The world is full of opportunities to develop for the benefit of all, yet we can’t keep what we have on an even keel.   We have to, during the 4th Industrial Revolution, make changes for the better.

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22nd February 2018 – Member’s of UK’s Parliament (MPs) Question Pensions Regulator In Public

The Pensions Regulator head with responsibility for monitoring pensions and protecting pensioners in UK admitted to MPs that the Pensions Regulator needed to be “clearer, quicker and tougher” in using its powers to force companies to pay more into their pension schemes.

As an example of the Pensions Regulator’s failure one could highlight Carillion where many thousands of pensioners face reduced pensions.   Carillion’s pension Trustees asked the Pension Regulator in 2010 and 2013 to force Carillion to put more money into it’s pension scheme.   The Pension Regulator twice refused and the Pension Regulator CEO since 2015 admitted that it should have done more to extract higher pension contributions from Carillion’s executive management team.

Carillion’s executives have claimed that a failing Qatar contract was one of the main causes of Carillion’s collapse, but auditors KPMG say that was not a cause of Carillion’s collapse.

KPMG tried to defend their auditing of Carillion’s accounts in 2016 and 2017, but the business select committee chairperson said she would “not hire you (KPMG) to audit the contents of my fridge”.

Much criticism has been expressed about the system of corporate governance in UK’s biggest companies.   Who is responsible for the loss of pension benefits for Carillion pensioners is not clear, but what is clear that the current system of corporate governance and risk management is not working  for stakeholders like pensioners, majority of employees, contractors, shareholders and corporate customers.   The winners are winning big and the losers are losing big!

20th February 2018 – UK’s Pension Regulator Ignored Trustees Of Collapsed Outsourcing Firm Carillion

The pensions regulator twice ignored requests from trustees of Carillion to force the company to fill Carillion’s pension black hole.

The pensions regulator has come under fire from UK’s members of parliament for failing to take steps to protect Carillion’s pension scheme members, especially as they were asked twice by the trustees of the pension before Carillion collapsed.   When Carillion collapsed, the firm had pension liabilities of around £3 billion.

“With characteristic alacrity, the Pensions Regulator started its arduous process of chasing money down from Carillion a few days after it was formally announced there was no money left,” Frank Field, chair of parliament’s Work and Pensions Committee.

The Pension Regulator didn’t comment on the continued significant bonuses consistently awarded to Carillion executives or the dividends issued to shareholders with between £2-3 billion in underfunded pensions.

Carillion’s pension scheme now has to be transferred to the Pension Protection Fund, which is likely to mean the loss of benefits for the majority of the 27,500 pension scheme members.

If the Pensions Regulator had conducted an Enterprise Risk Management Audit of Carillion they would clearly have identified that the black hole was not an unfortunate coincidence but a systemic failure of Carillion’s corporate governance and risk management culture.

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BusinessRiskTV.com Are Oxfam Carillion and Growing Skills Gap in UK USA Japan just some of the more recent examples of the senior management malaise, or examples of systemic failure of current crop of capitalists?

Will you suffer catastrophic loss to disruptive innovation or become a business disruptor yourself

Protect yourself and benefit from innovation-driven business growth

The 4th Industrial Revolution is upon us.   For some it will be a plague, but for others it’ll will be a feast.

Every day you can find multiple great ideas that could potentially disruptive the current way of doing things.   My favourites at the moment are flying modes of transport that could easily replace vehicles that have to travel on roads and flying machines that briefly go to space to get to their destination quicker.   They may seem like far off technological developments, but the technology works now.   Its flight rules and regulations that will hold them back to protect carmakers and airplane makers not technology risks.

Everyday new innovative ideas and products flood onto the market.   For most it will be like Tomorrow’s World – the innovative ideas will not be sustainable.   We want to work with people who want to take over the world – in a good way!

Pull in our resources to make innovation-driven business growth more likely to succeed and maximise the return of your investment of time and money.

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If you don’t have time to be innovators you may need to find time to protect against business market disruptors

Fatal existential business decisions are easy to see in hindsight.   Foresight consultants can help you take steps to protect yourself from your own poor business decisions.

Anyone can take a wrong turn.   If you’re lucky the decision may not be malignant.   You might survive to fight another day.   On the other hand …

Your brand maybe vulnerable to others who have been thinking differently, or from changes to the marketplace. It may fail cause your performance ain’t good enough, or because your competitors change the rules of the game.

How you fail may not matter too much after you’ve failed.   It will be too late to consider what you are doing wrong.   Kodak didn’t want to change when they had to change to survive.   They were making too much money from photographs to change to embrace digital photography.   Market changes can kill the best businesses.

The best form of defence is often attack

Being more innovative or creative can be frightening.   Picking the wrong horse in a paddock of new opportunities can be very costly.   Innovation can also be exciting and highly rewarding.

We aim to make innovation for you more exciting and rewarding, as well as reducing the uncertainties that accompany innovation and creativity.   Disruptive innovators can draw on our tips advice and support to become more successful with more certainty.

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Do you understand weaknesses and strengths of your business strategy

Will your strategy for business success fail or fail to achieve more?

Analysing your business strengths weaknesses opportunities and threats will help you understand your business better and the marketplace within which you need to succeed.   By identifying where you are now within the market will facilitate any assessment of the best strategies for future business success.

  1. Decide how best to allocate your limited resources to get the best return of your invest of money and time
  2. Assess which weaknesses and threats to mitigate and which to accept
  3. Assess which strengths you need to capitalise upon
  4. Assess which new business opportunities will bring greatest reward from the same cost of capital and management time.
  5. Set a new strategy for business success with more confidence

Not only must you protect your business, but you must explore the opportunity cost of not doing something that could bring greater rewards with the same cost.

By getting the most from your money and time you can maximise the profitability of your business.

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