The benefits of cross cultural training

Culture clashes can often be seen as inevitable when you have a global business, but for a long time, the concept of cross-cultural training was brushed under the rug. That is until the COVID-19 pandemic struck and made it clear that many companies were lacking in the area.

As a result, cultural training has become more apparent and there is a greater drive for businesses to push for it. But what does this mean for you? Why is it so important, and what do some of the latest cross-cultural training trends include? All of this and more is right here.

What is Cross-Cultural Training? 

The point of cross-cultural training is to help expats better understand the culture and community that they are about to become part of so that they can integrate smoothly and get along with the local people. This includes:

  • Cultural awareness
  • Cultural competence
  • Cultural safety
  • Cultural humility
  • Cultural intelligence

It gives them the opportunity to learn about traditions and beliefs, practical hints for daily living, social norms, and the cultural values of the society. It also helps them to understand their own cultural background and place in the world, helping them to see new cultures in another light.

Why Is Cross-Cultural Training Important? 

There are quite a few cross-cultural training benefits to consider, and its importance is highlighted in the fact that it helps people from different cultural backgrounds get along better and understand each other.

If all workplaces that have international offices took part in cross-cultural training it would have a massively positive impact on employee wellbeing as well as reduce the amount of stress experienced. 61% of failed placements are because of difficulty understanding the culture.

By ensuring every member of the workplace takes part in the training programmes, this number can be lowered significantly and expats can find happiness in their new country and workplace – which is fantastic for them but also for your company.

What Does Cross-Cultural Training Include? 

The world of cross-cultural training is constantly growing, and even over the past decade, we have seen a massive shift in what it includes. While it always contains the basics of communication, cultural sensitivity, and ethics, there are also trends that continue to evolve.

One important aspect is training everyone in the workforce, not just the expats that are moving out there. It keeps every member of staff in the loop, and also means that if they need to step in they are prepared but also helps them to better integrate internationals that are joining the team.

The integration of technology has also become a very popular topic, especially as we rely on it so heavily in the modern world. This also includes chatbots and training machines. It also looks at adopting a more honest and transparent approach in business, especially in virtual meetings.

There is also an emphasis on the use of language in the workplace. Replacing terms like “abnormal” and “weird” to describe cultural differences and instead promoting positive language and demonstrating how differences are interesting as opposed to unusual.

To Conclude

Culture is so important, and being able to respect and understand the different cultures that you are working with is a crucial aspect of running a successful business. With cross-cultural training as being part of the overall employee benefits strategy, you can overcome the barriers that previously prevented you and your team members from communicating to the best of their ability. Business is about to get smoother.

Re-Launch of Shop Insurance Direct

There are a number of companies that help arrange shop insurance so it is pleasing to hear of one that is prepared to “go that extra mile” to help its potential customers. That is just what Shop Insurance Direct has done by making some improvements to its website.

One of the things that will be of benefit is their Frequently Asked Questions page that includes some information that both the new or established shop owner will find useful. Also, the website has an online quotation request form that is so simple and quick to complete that even the busiest shop owner won’t take long to complete.

If you prefer to talk to someone on the telephone then there are two phone numbers available on their website – a Freephone and a mobile telephone number. Your call will be dealt with by a professional, friendly and experienced member of the team. He or she can provide free, unbiased guidance about shop insurance and/or arrange a competitive quote.

Andy Biggs, Director, made the following comment: “With only a very few niche shop insurance websites out there we felt there was room in the market for a well designed, user friendly website offering a range of free advice, tools and a comprehensive quotation service.”

Probably the most comforting new feature of the website is it’s “Best price or your money back” guarantee. So, if like most people, price is important to your business, you really cannot lose.

Some of the new website’s features are: –

  • Simple to find your way around the website
  • Informative frequently asked questions section
  • The online quote form is easy and quick to utilise
  • The Freephone number can be used to speak to a knowledgeable member of staff

So, if you own or rent a shop and are considering getting insured you can visit the website at for a quote or full contact details.

A Brand New Commercial Mortgage Specialist Website

If you are a business owner and require borrowing towards the purchase of a new industrial unit or office building then you are probably looking for a commercial mortgage. In which case, you will be pleased to note that earlier this month a new website was launched on the Internet named

The above commercial mortgage comparison website has many features but before we mention some of them let’s hear what Steven Disloggi, who is a talented website designer, had to say about the bespoke engine created to run the comparison part of the website: “It really is a great system, its geared up to connect the customer with the best possible lender or broker who can offer the most suitable products. It gives the client access to over 2,300 products to ensure they have access to the best deals available.”

Key features and benefits:

  • It compares the “whole of market” providing access to over 50 commercial lenders.
  • Interest rates are available from as little as 1%.
  • LTV of up to 85% is available in some cases.
  • Comparison is made with more than 2,300 commercial mortgage products.
  • Amounts of £30k to over £30 million are available.

Commercial Mortgage Link has an experienced team of specialist advisers who constantly peruse the offers available in this competitive lending market to ensure that the website is permanently kept up to date. This helps ensure the customer gets the most competitive package available.

It is even possible to speak with one of their advisers by calling either the freephone or local rate number on the website. They will freely answer any questions that you have about such finance without any commitment on your part. There are also some interesting articles on their blog.

For further details on the launch or to contact the owner, please visit

Who needs high risk builder insurance?

Builders know that construction is a risky business and if something can go wrong, it usually will.

That’s why it’s important to make sure that you have the right cover in place regardless of the size of your firm.

All sorts of problems can arise on a construction site where sharp and sometimes lethal tools and equipment are used as part of the day-to-day job.

Add to that the extra risks of working at height or with dangerous materials and building can become a blueprint for disaster.

That’s why high-risk builder insurance is a good idea to protect against the likelihood of an accident.

High risk workers generally include:

• Roofers and tilers – Working at height need a robust health and safety regime and for workers using heat on flat roofs, extra insurance protection is vital.

• Scaffolders – Risk insurance is a must for this type of business and cover can generally be arranged to suit the job, which can make sure the price does not go through the roof

• Skip hirers – Dealing with heavy, sharp or hazardous waste needs special precautions and special insurance cover

• Welders – Welding insurance is costly and often difficult to source. Providing strict health and safety procedures are followed, it is possible to find some hot deals

• Ground workers – The heavy machinery and nature of the work can mean hefty premiums, but brokers should be able to dig out some competitive pricing

The risk is working without the right insurance can mean expensive claims if the worst should happen.

Even then, insurers will expect to see workers are properly trained and that the site manager has strict health and safety processes in place to reduce the risk to workers and the public.

A small business, especially a sole trader or a couple of partners working together, could face losing their livelihood and homes if they have to meet a large claim.

Choosing the hairdressers insurance

Spending a little time searching out the right hairdresser’s insurance can make your business a cut above the rest.

Hairdressers have a very personal relationship with their customers and need comprehensive insurance to safeguard their business.

One of the keys to finding the right hairdressing insurance is making sure the provider has a complete list of services offered to customers – and not to step off the list as a favour as this could void the
policy should something go wrong.

Hairdressing insurance covers other business areas besides treatments – liability, business interruption, buildings, contents and vehicles.


Hairdressers need good public liability insurance to cover the cost of legal expenses and compensation should a customer suffer an illness or injury as a result of something going wrong.

Public liability also offers cover to any third party who is not an employee who suffers sickness or injury from a visit to a salon, even if they do not have a treatment.

By law, any hairdresser with staff must have employer liability insurance that extends the same cover as public liability insurance to employees.

Read more about hairdressing liability insurance

Business interruption

Business interruption pays out lost profits when an incident like a fire, flood or break in means a salon cannot open for business.

Read more about business interruption cover for hairdressers

Buildings insurance

Only hairdressers operating from their own premises should take out this cover, so if you are a tenant renting a salon, the landlord should have their own policy.

If the salon is home-based, take out business buildings cover, as standard home insurance offers no cover.

Read more about hairdresser’s buildings insurance

Contents insurance

Contents covers stock, computers, business records, machinery and equipment a hairdresser needs to trade. This cover is the responsibility of the trader not the freeholder if the salon is rented.

For home-based salons, standard contents cover does not give the right protection, so upgrade to business hairdressing insurance.


Hairdressers who call on their clients also need to upgrade their car or van insurance to a business policy and should consider extra cover to make sure stock or equipment are covered against theft or damage.



Business insurance guide

Choosing the right business insurance cover is never easy.

Business owners need to make sure they carry out a comprehensive risk assessment to tailor the cover they need to the way their business operates.

Telling the insurer exactly what sort of work the business carries out, and any special risks involved from the outset avoids any problems when trying to make a claim.

Here’s a check list of just some of the most common issues to consider:

Liability Insurance

Employers’ Liability Insurance

The law requires any business employing staff to have employer liability cover in force.

Health and safety enforcers consider looking after staff a top priority for any business and will come down hard in the courts on any employer they feel flouted the rules.

Employer liability insurance protects a business against claims from staff for sickness or injury caused at work and pays for any associated legal expenses and compensation, including specialist witnesses and court costs.

Public Liability Insurance

Public liability insurance is often sold bundled with employer liability cover and does the same job for third parties who are customers, visitors or bystanders if something goes wrong and your business is at fault.

Other liability cover

Specialist policies will pay out for damage on a client’s site or accidents like roofing slates or signage falling on passers-by outside business premises.

Business Interruption

Business interruption covers firms of any size trading from premises that must close due to an insured risk, like a fire or flood.

The cover replaces lost profits and continuing business expenses that would have been met from cash flow if the business was trading as normal.

Sometimes this cover is referred to as ‘business continuity insurance’

Business buildings insurance

Only the owner of a building has to worry about business buildings insurance, so if you rent your premises, the landlord should have a policy and any claims should be directed to them.

If you own the premises where you trade from, then one of two scenarios apply:

• If you own commercial premises, then talk to your insurer about business building insurance

• If you are home-based, do not rely on your standard buildings policy but tell your insurer you work from home, even if you just run an office and work mainly on a client site. If you rely on standard home cover, any claim is likely to be rejected. Home business cover is also likely to bundle in public liability insurance that covers customers or other business visitors to your home

Add-ons include:

• Trace-and-access cover, which covers the cost of finding water leaks, even if the job involves lifting floorboards or breaking into walls – but not the cost of repairing the leak.

• Fixed glass accidental damage cover – pays for the cost of boarding up and replacing windows, doors and frames

Business contents cover

Whether you own or rent your premises, the responsibility for contents cover lies with the trader.

Again, if you are home-based, standard home insurance is not adequate if you use a room as an office and store stock, raw materials or have business equipment at home.

Depending on your business, contents cover comes with several optional add-ons:

• Money cover – This replaces cash stolen from the premises, but often comes with conditions about security and how much cash can be left unattended on the premises. Money includes stamps, gift vouchers and postal orders

• Key theft – Replacing keys and locks if stolen

• Exhibition cover – Covers damage to property at an exhibition

• Personal accident or assault – Pays compensation to an employee hurt in an attack during the theft or attempted theft of cash from the business

• Tool cover – Specialist cover for tradesmen that replaces essential tools or equipment that are lost or stolen

Business motor insurance

Whether you are a white can man or a business with a fleet of vehicles or heavy plant, specialist insurance to keep your vehicles on the road is important.

Even sole traders, like hairdressers or tradesmen who use their own car for work need business insurance cover.

Add-ons include:

• Goods in transit – Cover for any business goods in a business vehicle that are stolen or damaged on the way to a customer or from a supplier

Life Insurance or Investments? Which one to choose

You work hard for your money so when it comes to putting it away for the future you want to make sure it’s working hard for you. So how do you choose what to do with it? Few of us are born financial savvy but everyone knows that saving a bit for a rainy day is a good start, but if we’re talking about serious planning for the future we’re moving into the realm of insurance and investments. How do you go about deciding which one works best for you though?

You could decide that the best way forward is to take out a whole life cover policy. That would do the job nicely wouldn’t it. After all, it has savings and investment all wrapped up with long term life insurance. Surely that’s everything taken care of, right? Well that remains to be seen.

Whole life cover can be an expensive way of saving and acquiring an investment portfolio. Not only are you paying for insurance cover, there are additional sums for savings and investments rolled into your premium. There are also costs and commission to consider as well. You may find that the premiums for the level of cover you require could be surprisingly high when all is taken into consideration. If you think you may have problems covering that monthly cost at any stage in your life you might be tempted to reduce the level of cover you think you need. It would be better to choose a term life policy and pay less in premiums but ensure the necessary cover is in place.

However, if you anticipate having health problems in the future you may need to reconsider in case you can’t get insured in later years. Whilst term insurance is significantly cheaper there is no guarantee you will be able to renew the term as you get older and become a bigger risk to your insurance provider. If you have a family history that suggests you are prone to developing any number of ailments, whether it’s diabetes or rheumatoid arthritis, you may want to get on board with a whole term policy so that you can be assured of being insured in your later years. Of course you need to consider how long a term you are taking out, some can go for 30 years but you need to ensure you have a clear renewal plan insight for the end of the policy. It would be foolish to pay for 30 years just to find that you cannot extend your cover at the end of the policy, when you are probably going to need it most.

What about if you have quite good health? Would you still benefit from term life insurance:?

Perhaps. It’s difficult to say without being fully aware of the individual’s full circumstances.

Generally speaking the consensus appears to be that with insurance, as with most other things in life, it pays to specialise. Keep your finances separate. Choose financial products that match your ability to save. Decide how much you can afford to save for emergencies. Your savings should be in a high interest rate account rather than not really doing much in your current account. Get a good term policy for a long period if you think that you may encounter health issues. Check with your insurance provider to see if you can get a guaranteed renewal at the end of the term. If you decide to invest then speak to your financial advisor about the best investment plans you can afford for your requirements.

The key is to make sure you know what you need and be open to reviewing which product, or combination of products, is going to best meet those needs.

Jacob Chapman is an independent writer with years of experience in the insurance industry. Currently he shares his knowledge through articles on and helping individuals meet their individual insurance needs.

Income protection for business

If you are considering some form of income protection insurance as a potential financial safeguard against situations where you may be unable to work due to accident or illness, then it may be advisable to think a little about definitions of incapacity.

If this sounds dull, you may wish to persevere because it could make a significant difference to the type of cover you obtain and therefore the type of income you have available to you in the above sorts of circumstances.

Daily living activities

This is typically an entry level form of cover.

It operates quite simply by defining a range of ordinary daily activities that might include things such as bending, lifting and walking etc.

Some policies may pay out if you are medically proven to be unable to complete a number of the defined activities without either pain or risk of further serious effects on your health.

Suited occupation

Policies providing this type of cover typically define incapacity as being your inability to work even in a related and suitable activity. 

For example, you may be some form of commercial driver and a leg injury may make it impossible for you to drive.  Yet this type of policy may require that if your employer offers you an alternative clerical position until your leg is recovered, you accept it.

In other words, it would not replace your income in situations where you had the opportunity to work in another suitable occupation pending your full recovery.

Own occupation

The highest level of cover is that typically offered by this type of policy.

Essentially it would recognise your inability to carry out your regular occupation to be grounds for paying you the insured income replacement sums.

The qualifying circumstances

If the above three types of policy define different interpretations of incapacity, you may also need to take into account that individual policies may have their own definitions of what are acceptable causes of such incapacity.

Some policies may, for example, exclude injuries arising through your participation in sport. You might also find that some consider certain categories of occupation as being too dangerous to cover.

It might also be relatively commonplace to see policies exclude claims arising from your engagement in criminal activities. 

It is important to look closely at both the policy and any supporting documentation that comes with it, if you are to be sure that the cover is going to be suitable for your particular lifestyle.  Products such as Drewberry Income Protection may offer a high degree of flexibility in how you configure your policy, premiums and cover, though it is always important to look closely at all associated terms and conditions.

One day this may prove to be an important area to you and one that you will be glad you spent a little time looking at more closely.