Prizm Solutions Ltd

05/10/2025

Today is – a moment to celebrate the people who’ve shaped our futures with patience, knowledge and guidance. 👩‍🏫👨‍🏫

Much like a good teacher, the right insurance is there to give you confidence, clarity and support when you need it most. At Prizm, we believe in protecting the people and the things that matter – so you can focus on what’s important, just like teachers do every single day.

Here’s to all the teachers out there making a difference – thank you. 🙌

03/10/2025

WHY USE A BROKER?

Accidents happen. Claims can be complicated. And the small print? Well, that’s a headache in itself.

An insurance broker is there to take all that off your plate. They’ll check that you’re not underinsured, they’ll make sure the cover actually fits your needs, and — most importantly — they’ll fight your corner if you ever have to make a claim.

You’re not just paying for a policy; you’re paying for advice, support, and someone who genuinely wants the best for you. In a world of call centre's and endless hold music, that kind of personal service is priceless.

27/09/2025

Happy International Rabbit Day! 🐰

While we're all about protecting the things you love, we're not talking about pet insurance today.

Instead, let's think about a different kind of rabbit... the metaphorical one pulled out of a hat! 🎩

You know, that 'rabbit out of the hat' moment when an insurance broker finds you a solution no one else could, or gets you a great deal on your renewal. It’s all part of the job, and there’s no magic involved, just a lot of hard work and expertise!

What's the best 'rabbit out of the hat' moment you've ever had? Let us know in the comments! 👇

25/09/2025

📝 Each week, we break down a different type of insurance — no jargon, just clear info to help you protect what matters.

This week, we’re talking about Care & Nursing Home Insurance.

Running a care or nursing home is demanding enough without juggling multiple policies. Our Care & Nursing Home Insurance is a flexible, multi-section policy that can bring everything under one roof:

Assets – buildings, contents and stock

Earnings – loss of profits

Liabilities – employers, public, products and medical malpractice

All for one premium with a single renewal date – less admin, more peace of mind.

Who’s it for?
Any organisation operating a residential care or nursing home with a valid CQC rating (unrated homes are virtually impossible to insure).

What’s covered?
Protection against risks like fire, flood, storm, theft, vandalism, burst pipes, explosion and subsidence – plus optional accidental damage cover. If an insured event stops you trading, you can also claim for loss of profits.

Standard cover includes Public Liability, Employers’ Liability, Products Liability and Medical Malpractice. You can extend it to add things like damage to glass, loss of money, goods in transit, terrorism, fidelity, cyber and engineering breakdown.

How much does it cost?
Premiums vary based on location, activities, sums insured and size of business. Our clients typically pay between £1,000 and £100,000 a year.

💬 Got a question? We’re here to help.
📞 01827 313 931 | 📧 hello@prizmsolutions.co.uk

24/09/2025

Peter is a guest speaker at the Tamworth Borough Council Forum 2025 tonight at Wilnecote Parish Hall talking about all things appertaining to Landlord !

If you would like to attend (it is fee) please book your ticket at

Join us at the Tamworth Borough Council Landlord Forum with expert speakers, community insights, and practical takeaways

23/09/2025

We get asked a lot why brokers don't just 'go out to market' for a client every single year. It's a fair question, so we thought we'd shed some light on it!

1. Building a long-term relationship
Just like with your bank or a good tradesperson, building a long-term relationship with an insurer can really pay off. They get to know your business, your claims history, and your specific needs, which can lead to better terms and more flexible cover in the long run.

2. Avoiding extra surveys and hassle
If your current insurer has recently carried out a survey and you've already worked with them to make any improvements, you'll be saving yourself a lot of time and money. Moving to another insurer could mean that the whole process needs to be done again, and every insurer has different requirements and ways of surveying. Sticking with a trusted insurer saves you time and a lot of unnecessary stress.

3. Maintaining continuity
Switching insurers every year can be risky. You might find a slightly cheaper premium, but you could end up with a gap in your cover or different terms and conditions that don't quite match what you had before.

4. It's not all about the price
While price is important, it's not the only thing that matters. A good broker will be looking at the overall value of a policy, including the level of cover, the insurer's claims service, and the security of the company. A slightly cheaper policy might not be worth it if they're a nightmare to deal with when you need them.

5. Keeping insurers interested
Constantly marketing a risk every single year can actually backfire. Insurers will eventually start to ignore quote requests because they see the risk as having no loyalty and being purely price-driven. They won't want to be put 'under attack' every year and forced to defend their position.

So, while we're always reviewing the market to make sure our clients have the best possible deal, a good broker's job isn't just about finding the lowest price every year. It's about securing the best overall solution for the long term.

21/09/2025

Happy World Gratitude Day! 🌍

It's a perfect day to pause and appreciate what we have. In the world of insurance, that gratitude often comes from knowing you're protected when things go wrong.

It's the peace of mind knowing that if a fire takes out your business, you've got a policy there to help you rebuild. Or that if an unexpected storm damages your home, you're not left to deal with the costs alone. That's a feeling we're incredibly grateful to provide our clients.

What's one thing you're grateful for your insurance for? Let us know in the comments below! 👇

17/09/2025

Big congratulations to our very own Georgia on passing her CII M05 Insurance Law exam! 🥳

Another step closer to the Diploma in Insurance and a brilliant result for all her hard work.

We’re really proud to support our team with their professional development. It's fantastic to see our staff go from strength to strength with their studies. Onwards and upwards, Georgia! 👏

16/09/2025

We saw a headline this week that said small businesses are confused about insurance because it's too complicated.

Our first thought? "No kidding."

It's a complete minefield. It feels like you're trying to cook a Michelin-star dinner, but all you've got is a huge pile of ingredients and no recipe.

That's why we exist.

We’re like the famous chefs of the insurance world —we tell you what you need, no messing about. We sort everything into four simple categories so you know exactly where you stand:

* The stuff you have to have.

* The stuff you’d be mad not to have.

* The stuff that's a really good idea.

* And the stuff that's just a bonus.

Forget the jargon and the chatbots. We’re Prizm—we put the 'P' in professional, and we definitely don't take it out of you.

12/09/2025

💙 It’s National Blood Pressure Week! 💙

This week is all about looking after your health and keeping your blood pressure in check – but it’s also a great reminder to tackle other pressures in life too.

We can’t take your blood pressure, but we can help reduce the stress that comes from the unexpected. Whether it’s protecting your home, your car, or your business, the right cover gives you peace of mind so you can focus on the things that really matter.

So while you’re checking your blood pressure this week, why not also check your insurance policies? A quick review today could save a lot of stress tomorrow.

03/09/2025

We know we go on about cyber insurance a lot…
That’s because it really is that important.

The truth is simple: if you use a computer, you’re vulnerable. And over 75% of cyber claims come down to human error — one dodgy link, one unsafe site, one click too many.

Here are two real examples:

🔒 A small West Country hotel was hit with a £120,000 ransomware attack. Thanks to their insurance, the demand was cut to £10k — but after forensics and legal costs, the insurers paid out £150,000.

💼 A law firm had over £1m stolen from multiple accounts. Their policy only covered £250k, but insurers acted fast, working with lawyers and banks to recover the entire amount.

Cyber insurance isn’t expensive. It’s priceless.

Without it, you’re leaving your company wide open — and that’s not protecting your best interests.

01/09/2025

📚✨ As the new school year begins, we’d like to wish all the children, parents and teachers the very best of luck. From shiny new shoes to fresh pencil cases, it’s all about being ready for the next chapter.

A very special mention goes to our employee Sarah’s little boy, who is starting school for the very first time – an exciting milestone and one we’re all cheering him on for! 🎉🍎

Moments like these remind us that life is full of change — whether it’s little ones heading off to school, moving home, or new adventures on the horizon. Having the right insurance in place means you can face those changes with peace of mind, knowing you and your family are protected. ✅

Here’s to a safe, happy and well-prepared start to the school year for everyone! 🎒