589 Educators providing Courses delivered Online

Embrace The East Recruitment Consulting

embrace the east recruitment consulting

Brentwood

Founded in 2009, we are an independent team of experienced CIPD-qualified HR Consultants, supporting those working within the complex care sector. We have been working with Solicitors, Deputies and Case Managers since 2013 so understand the unique employment relationship built up with families. Our HR Consultants are Chartered Members of the CIPD, a well-respected and professional body for those involved in the management and development of people. This qualification demonstrates a high level of professional ability. Using our knowledge and expertise, we can help you to make better-informed decisions to help your clients. With flexible contracts and an approachable manner, our team are on hand to offer HR advice and practical support. View our Terms of Business. As an independent, Buckinghamshire based team, we offer a dedicated contact for your queries. From routine to complex enquiries, you can benefit from first-rate outsourced HR services. We can take a weight off your shoulders, enabling you to focus on the provision of appropriate care and the rehabilitation of your clients. Compliant HR Supports Care Excellence Specialising in HR for the care sector has offered a development opportunity for our team. We identified a gap in provision and undertook training to gain in-depth knowledge of Court of Protection and care industry needs. We applied our learning and are now a reputed HR provider for Case Managers and Deputies across the South East. “Working within the care sector brings an HR provider additional challenges. This does not just involve complex knowledge of the recruitment and employment issues for the staff engaged but also the complications of dealing with exceptionally vulnerable people and difficult family dynamics surrounding the employees. Embrace HR has delivered an exceptionally personal and flexible service in this respect. Cecily and the Embrace HR team has been empathic and responsive to the unique customer needs. This has involved supporting highly bespoke organisation for a 24-hour care team in liaison with legal and professional partners, family members and care workers. Each contact has required a specific approach and relevant support and information. I have found Embrace sensitive, receptive and highly professional to this at all times. The HR arrangement, support, communication and advice I have personally received has made my job a good deal easier, freeing me up to deal with my own professional priorities.” When compliant HR policies and processes are in place, they support positive working relationships. This is important for any employer and employee relationship yet is absolutely necessary in the care industry. We take a proactive role in the engagement of competent and compassionate support workers. We manage the legalities and encourage support and personal development to help retain those individuals. With our input, support workers are in a stronger position to fulfil their roles and responsibilities to the best of their abilities. In situations where the family are employing carers directly, our recruitment and bespoke employee contract services can be invaluable. Regulated HR Services for Court of Protection Teams Our HR Specialists in the Embrace HR team are CIPD members. The Chartered Institute of Personnel and Development (CIPD) is an internationally recognised body that promotes a commitment to the highest professional standards. Embrace HR is a BABICM Corporate Associate. The British Association of Brain Injury and Complex Case Management provides a clear structure for the continued professional advancement of case management and rehabilitation.

Tickly Paws

tickly paws

Gateshead

Tickly Paws Pet Care is owned and run by myself Gillian Salmon. I have spent the last 20 years studying and working with animals. I have extensive knowledge of your pets needs with a genuine love for all animals. I starting volunteering with the Dogs Trust when I was fifteen and it was here my passion for animals was set alight. I decided to study at Oatridge Agricultural College to gain practical experience working with livestock, horses, small animals, and reptiles. After graduating from college I went on to attend Edinburgh Napier University, where I studied Animal Biology as I wanted to widen my knowledge. I spent three wonderful years studying all aspects of animals from husbandry to behavior and everything in between. Whilst still studying I got a part-time job at the Edinburgh Dog and Cat Home and after graduating from University, I started working full time. I loved every minute of my time working there and before I knew it had been eight whole years. While working at the Edinburgh Dog and Cat Home, I gained a keen eye for identifying health issues from my numerous interactions with the associated Veterinarian practice. I have taken hundreds of animals to the vet for a variety of reasons, some major and some minor, keeping a calm head when this need may arise. As a result of these visits, I have developed an extensive knowledge of many medical issues. I also became a master at administering medication even to the most difficult customers. I worked with dogs and cats when they first came into the Edinburgh Dog and Cat Home, upon arrival, they were usually frightened, shut down, and sometimes aggressive. However, with time, patience, and love I helped many of them blossom into beautiful loving animals waiting for their second chance. I would cry tears of joy when one of them found their forever home. I fostered kittens with cat flu, cats with allergies, kidney & liver disease, and dogs with trust and behavioral issues. One of the greatest things I have ever done is to foster a diabetic dog called Hondo who came to stay over Christmas and ended up staying forever. I currently own an Akita cross called Rogue whom I re-homed from the Edinburgh Dog and Cat Home. She is reactive to dogs and people, it was trying to understand her that sent me on my dog training journey. She has taught me so much and I wouldn't be the trainer I am today without her. I relocated to Gateshead in 2015 and got a job at a Mypetstop, a private boarding kennel based in Washington. I was hired as the kennel supervisor. After two years I became the Centre Manager and enjoyed this new job role and the challenges it brought. However, I missed working with animals and being active. As my role involved managing people I had very little interaction with the pets we boarded and felt I had diverted from my true calling. I took the plunge and left to start my own business and this is how Tickly Paws Pet Care was formed. Experience and qualifications 2:1 Degree in Animal Biology Higher National Diploma in Animal care Over 20 years experience working with animals in rescue centers and private boarding establishments. Level three qualified dog trainer Member of Institute of Modern Dog Trainers Gold level first aid trained Experienced in the administration of medication including Injections Knowledgeable and comfortable around all species of animals

Carole Capon Consultancy

carole capon consultancy

London

Carole Capon Consultancy works closely with all its clients so together we can build the right solutions to meet your needs. Having over 30 years of business experience to draw on helps to make this possible. Our services include: Offering executive and employee coaching sessions. This can be done on a 1:1 basis, for group or team sessions. They can be for 30, 90 or two hours and offered on an adhoc basis or through an agreed programme. We can support your business with any workplace disputes. Being certified in workplace mediation means conflicts and grievances can be resolved quickly to ensure there is minimal impact on business and reach a win-win solution. According to Forbes, 60-80% of all difficulties in organisations come from strained relationships among employees. This results in colleagues taking time off because of stress, anxiety or workplace conflict resulting in a total of 21 days of absence. A typical manager will spend 25-40% of their time dealing with workplace conflicts. As MHFA England mental health practitioners, we can offer you professionally prepared courses to either train your people to be mental health first aiders, or mental health champions. We also offer half-day mental health awareness training which is a must for all people managers so they can spot the signs early and learn how to have what they might feel is a difficult conversation. Being MHFA England approved means you will be recognised by the MHFA England and receive a certificate at the end of your course as well as receiving their books and training material. If MHFA isn't for you, we can develop our very own one-day or half-day programmes for mental health and wellbeing support, as well as working with you to develop your Wellbeing strategy. Certified in PROSCI Change management methodology has meant we have been able to work with companies to help with transformational change in a more structured and people focused approach. With the expectation that worklife will never go back to work it was before, never before has it been more important that your managers and leaders can adapt their styles to support their teams in the workplace as well as at home. We offer workshops to establish your teams values, mission and vision and breakdown of any barriers to establishing a successful team charter. These can be individual workshops or delivered through a leadership and management programme. Our HR consultants have years of experience working with corporates through to start-ups offering expert advice throughout the entire employee cycle. We bring all our knowledge and experience and work with you to help identify issues, develop engaging content and deliver it in a practical, friendly but professional way, to ensure maximum engagement and achievement of your goals. All of our solutions are developed with you in mind, so getting to know your business and your desired outcome(s) is paramount to our mutual success. We truly believe that everyone has the ability to be their best self and excel at what they do. We just need to tap into your strengths and help with anything that may be getting in the way. Want to experience the expertise of Carole Capon Consultancy for yourself? Give us a call today or email us at carolecaponconsultancy@gmail.com and let’s discuss what we can do for you.

Thinking Big Community Interest Company

thinking big community interest company

London

We are a group of individuals from different backgrounds and with a broad range of experiences. Collectively we have worked in and with statutory services, private business, charitable and voluntary organisations, and across many sectors including health and social care, education, heritage and industry. Each Director brings a rich array of knowledge and perspectives and we are bound by our common interest in building a fairer society. We like to be creative and to seek the involvement of others in generating new ideas, both to overcome existing challenges and in Thinking BIG about new ways to improve experiences and outcomes. After a number of years of talking about ideas, we decided it was time to take action. We looked at different models for forming a charitable, not-for-profit organisation, and took advice from some who had gone before us in this sector. As a result, we formed Thinking BIG as a Community Interest Company, dedicated to engaging in training, and projects with individuals, groups and organisations, in pursuit of the overarching aim - to promote social inclusion, opportunity and wellbeing, by making a positive difference to services and people's lives through meaningful training and community engagement. There are no share holders, no dividends and no spurious expenses. Any funds raised are put entirely into the running of projects for the benefit of the community. As for the name, we asked the people we work with what words they thought captured what we do. We want people to Think BIG when considering new projects and activities, not to be limited by what is already out there. A little imagination and passion goes a long way, and we're on an exciting journey. We have experience of achieving outstanding outcomes, both with organisations, and with individuals. Our training is designed, delivered, evaluated and quality assured, with organisations benefiting from improved employee ability, confidence, performance and wellbeing. Our community projects have made a positive difference to people's lives, and include collaborations with The National Lottery Community Fund, the Police and Crime Commissioners for West and South Yorkshire and their Violence Reduction Units, Menston Parish Council, Bradford Metropolitan District Council, Kirklees Council, Barnsley Metropolitan Borough Council, and Yorkshire Mentoring. Our Story Our aim is to promote social inclusion, opportunity and wellbeing by Thinking BIG. To achieve this, our vision is to facilitate positive experiences, progress and sustainable outcomes; empowering people through education, training, skills-building and having a collective voice in shaping future services and lives. Much of our work is with individuals and groups who face barriers to inclusion, opportunity and/or wellbeing, and others who can support these very people. Children and adults can be vulnerable or disadvantaged by many factors including disabilities, ill-health, poverty, abuse, isolation, marginalisation or being in care. They can also find it difficult to keep themselves and others healthy and safe, or to access opportunities, services or employment, as a result of missing out on appropriate education, training or support. We can help to achieve goals and aspirations which improve lives. Others who support vulnerable people include families, friends, carers, schools, and involved or potentially supportive professionals, volunteers and services. These people can also face challenges which need to be recognised and addressed and they can be empowered in their roles through dedicated support and training. By choosing to use our training services for their teams, organisations can benefit from outstanding workforce development whilst simultaneously supporting their communities, as money raised is invested back into meaningful activities and projects

Strone Primary School Information

strone primary school information

The Education Committee recommended at its meeting of 21 August 1997 that – ‘the adoption of a distinctive dress code chosen to enhance the ethos of the school should be encouraged in all schools’. Given that there is substantial parental and public approval of uniform, schools in Argyll and Bute are free to encourage the wearing of school uniform. In Strone Primary School, the suggested uniform is as follows: BOYS: Strone School sweatshirt (which is bright red and bears the school logo, plain red jumper or cardigan.) Black or grey trousers. White shirt or school polo shirt Black School Shoes GIRLS: Strone School sweatshirt (which is bright red and bears the school logo, plain red jumper or cardigan.) Black or grey skirts or trousers. White blouse or school polo shirt Black School Shoes PE KIT: T-shirt, shorts, training shoes. Indoor and outdoor training shoes required. T-shirt and training shoes should be kept in a bag with pupil’s name on it. At Strone Primary we use the outdoor environment as a valuable resource for our curriculum. The children are frequently outdoors and therefore we would ask that they all have a pair of wellies that they can keep in school. We are able to provide waterproof jackets and trousers for all our pupils. Please note that school uniform is not compulsory and it is not policy to insist on pupils wearing uniform or having specialist items of clothing in order to engage in all of the activities of the curriculum. As such, pupils will not be deprived of any educational benefit as a result of not wearing uniform. However, there are forms of dress which are unacceptable in school, such as items of clothing which: potentially encourage faction (such as football colours); could cause offence (such as anti-religious symbolism or political slogans); could cause health and safety difficulties (such as loose fitting clothing, dangling earrings); are made from a flammable material, for example shell suits in practical classes; could cause damage to flooring; carry advertising, particularly for alcohol or tobacco; and could be used to inflict damage on other pupils or be used by others to do so. All clothing brought to school should be labelled or marked in some way, as it is difficult for children to distinguish their own clothing from others. School Clothing Grants Grants of £100 are available for any child who will attend an Argyll and Bute Council school and whose parent(s) receive: Income Support Income Based Job Seekers Allowance Income related element of employment and Support allowance Council Tax or Housing Benefit Child Tax Credit and Working Tax Credit (Income should not exceed £6900) Pupils aged between 16 and 18 years who receive any of the above benefits in their own right also qualify. To complete an online application form please visit https://www.argyll-bute.gov.uk/education-and-learning/childcare-school-and-education-grants-0. Alternatively, please contact Customer Services: Education on 01369 708548 or your local benefit enquiry office. Please note that the above eligibility criteria is correct at time of publishing (November 2019) and may be subject to change by the start of August 2020. The link above will contain the most up-to-date information. If you are not eligible for any of the benefits listed above there is a separate application process available and you should contact either 01369 708548 or your local benefit enquiry office for details.

St John Henry Newman Catholic School

st john henry newman catholic school

0.0(15)

Carlisle

St John Henry Newman Catholic School offers you… An exciting, engaging curriculum underpinned by excellent teaching A committed and caring staff Regular physical activity for all pupils A wide range of extra-curricular activities including residential opportunities and international travel At St John Henry Newman Catholic School we are committed to the high achievement of all our pupils. We cultivate success and foster the highest aspirations through excellent teaching. We are a learning community which has high expectations and actively seeks to celebrate the good in every individual. St John Henry Newman Catholic School is built on the Christian values of trust, respect and compassion. We inspire an enthusiasm for life-long learning and are committed to success for all. St John Henry Newman Catholic School opened in 1967 and we are very proud of the long history of achievements gained by our pupils. Our expectations are high and we continue to ‘raise the bar’. Our small sixth form ensures that all of our pupils’ individual needs are catered for which in turn ensures we are well placed to help each individual to make their expected progress. Supported by a strong careers programme, our pupils continue to be successful in their transition from school to employment, apprenticeships and further education and training. Pupils receive individual guidance on their next steps and we are proud to say that our school leaver statistics are above the national average with close to 100% of our pupils selecting appropriate future steps. St John Henry Newman Catholic School seeks to provide a distinctly Catholic education in partnership with parents, families, the local Church and wider community. Everyone is encouraged to be the best person that they can be and is both nurtured and challenged in a safe and secure environment. Mutual respect is at the heart of our school community and Gospel values of peace, justice and reconciliation are of paramount importance. At St John Henry Newman Catholic School we pride ourselves on the level of pastoral care our pupils are offered. Each pupil is known to us and we are able to identify and react quickly when problems arise to help our pupils in every way possible to achieve their full potential. We are renowned for going the extra mile and offering first class levels of support. Each Year group has a dedicated Head of Year who works with pupils from their first day in Year 7 until they finish Year 11. A Pupil Support Officer is also available throughout the day providing advice and guidance. It is a difficult decision to select a secondary school for your child. One of the most important things you should do is visit the school during the school day. This will allow you to get a feel for the school and to see our pupils at work. We would be delighted to arrange a visit for you at a time convenient time to yourself. Please contact our school office to arrange a visit. We have excellent facilities set in pleasant surroundings. Pupils will experience practical subjects using up to date technology in purpose-built environments. ICT facilities are constantly being updated and pupils have the opportunity to access resources both in and outside school using our virtual learning environment.

Nexus Human

nexus human

London

Nexus Human, established over 20 years ago, stands as a pillar of excellence in the realm of IT and Business Skills Training and education in Ireland and the UK.  For over two decades, Nexus Human has been a steadfast source of reliable and high-quality training solutions, catering to a diverse range of professional and educational needs. With a strong reputation in the Training Industry, Nexus Human has consistently demonstrated its commitment to equipping individuals and organisations with the skills and knowledge required to thrive in today's dynamic world.  Our training programs span a wide spectrum, encompassing IT certifications, business skills, and much more.   What sets Nexus Human apart is our unwavering dedication to staying at the forefront of industry trends and technology advancements.  Our expert instructors, coupled with cutting-edge training resources, ensure that students receive the most up-to-date and relevant knowledge available. The impact of Nexus Human extends far and wide, helping individuals enhance their career prospects and aiding businesses in achieving their goals.  This 20-year journey has solidified our institution's standing as a trusted partner in personal and professional growth, offering reliable, excellent training that continues to shape the future.  Whether you seek to upskill, reskill, or simply stay ahead of the curve, Nexus Human is the place to turn for an educational experience marked by quality, reliability, and innovation.

Chickenshed Theatre Company

chickenshed theatre company

London

We've been making pioneering, beautiful and inclusive theatre for over 40 years. And we're just getting started... Chickenshed is an inclusive theatre company that first began in 1974. Primarily based at our own purpose-built venue in North London, we create theatre for all ages and run successful outreach projects, education courses and membership programmes throughout the year. We are also a registered charity and rely heavily on the generous support of individuals, companies, trusts and foundations in order to continue our pioneering work. Performance Entertaining and thought-provoking Performance is at the heart of everything that we do, and brings together all aspects of the company. Our work uses the stage to celebrate diversity and performance as a vehicle to communicate with audiences and tackle topical social issues. We regularly present original and entertaining productions for young children, families and adults. We also create new work, inspired by the people around us, about personal and social issues that affect society today which we then take on tour to theatres, community centres and schools across the UK. You can visit our What's On section, to see our upcoming shows and events. Education Because everyone has a right Chickenshed changes lives by bringing young people from all social and economic backgrounds, cultures and abilities together to study creatively alongside each other, many of whom have been marginalised by society and excluded from mainstream educational settings. We welcome over 200 students onto our Level 3, Foundation Degree and BA courses every year. 66% of students would not otherwise have the opportunity to study, yet 95% of these same students achieve a nationally recognised qualification at Chickenshed. Participation Celebrating diversity We believe that every person who joins our company positively changes the way that we work. We work to every individual's strengths, finding the creative environment that will enable them to flourish. We hold weekly workshops for over 900 children and young people - providing them with a safe and rewarding environment where they can gain a new-found confidence and have the chance to regularly perform in major in-house productions. Outreach Targeting those who are difficult to reach Chickenshed has established a network of partners that enables us to effectively target children and young people who would otherwise not be able to access our work. We regularly take our inclusive outreach model on the road, delivering over 15 projects and benefiting over 15,000 young people every year in venues ranging from primary schools and young offender centres, to mainstream and special schools. Our work engages and educates young people about relevant social issues through the power of performance and active participation in workshops. ‘You must do the show in my primary school because that is when everything bad starts.' 13-year-old boy from a school in London. We also run Shedlink - an ongoing project that enables us to help community groups set up independent 'Sheds' around the UK (and two in Russia!) so that more people can benefit from our ethos and teaching style. Chickenshed Kensington & Chelsea Expanding our work to meet growing need In 2011, we launched our branch in Kensington & Chelsea to bring our work to an area of London polarised between rich and poor. This will ensure even more children and young people can experience the importance of being included and valued; not segregated or rejected. 50% of children in the Borough of Kensington and Chelsea attend independent schools, yet 42% of children in the Borough are from low income families. Young Creators Vocational training programme Young Creators is a professional development programme which launched in 2013, providing young people with access to training and practical work experience in a variety of theatre skills. The programme provides a platform which teaches young people creative skills and arms them with the necessary tools to further their professional development. Each year, up to 165 Young Creators can benefit from the programme

selena lovett

selena lovett

Selena's spiritual journey has taken her to many different places and through many experiences which have led to her being able to offer different spiritual modalities. She offers spiritual readings using tarot cards offering insight and guidance, mediumship readings to bring healing messages from your loved ones and focuses on leading healing courses to enable others to experience the magic of healing. Through her own healing journey she discovered that so many issues and imbalances began in the sacred area of the womb where she has spent time exploring and healing. After this incredible transformational journey where she gathered information on how to heal the divine feminine she now shares her unique formula for healing using Sacred Symbols, Angel and Reiki energy to heal ancestral lineage, releasing past traumatic experiences and issues that block people from connecting to their true being. If you feel called to begin your healing journey you can arrange a treatment with Selena. If you would like to really step into your power - start a life-changing healing course with Selena guiding you through an 11-week program through different healing modalities, the chakra system and sacred symbols. Selenas' courses are accredited by the IPHM. Selena is a Reiki Master, Energy Healer trained in Quantum Healing, Hands of Light, Chakra Balancing & Cleansing, T:I:M:E - Angel Healing, Pendulum, Chios, Karuna Reiki, Shamballa Reiki and has studied Chinese Medicine, Hypnotherapy, EFT, CBT, NPL, Mindfulness & Life Coaching. If you feel you are in need of some peace and balance in your life - please contact her to arrange a healing session Have a look at the services offered, readings and healings can be custom-made to suit and fulfil your need. You are not alone - reach out and begin healing. Selena was blessed with the gift of connecting with her spirit guides and loves having the opportunity to guide people through difficult situations and give insights into their life. Her focus is to empower people on their journey and to help heal and move any blocks that hinder their path. Selena is the author of the book Steps to Enlightenment and the Tarot Deck - The Journey to Enlightenment and co created The Art of Compassion Oracle Deck. When giving a Psychic reading; Selena will tune into your aura to gain insight and information about your life and your future to enable her to give you insight and guidance about certain issues in your life and to empower you with knowledge of how best to move forward and achieving your goals. A psychic reading can help you gain clarity in your current situation, when faced with decisions for your future or when you want to get a better understanding of the big picture. Whatever your issue, romance, career, or soul purpose - contact to organise a convenient time to connect online and talk about what you need, guidance through a psychic reading will be able to help understand what you are going through and what we can do to improve your situation. Learn Tarot to empower yourself!! In these classes, from Beginner to Pro. you will learn all about tarot and how to use it to guide yourself and give insightful readings for others, healing yourself along this journey with Tarot and then being able to use it as a tool to add to your business or to set up a new business as a Psychic Tarot Reader. Selena has produced a Tarot Masterclass taught at the Watkins Wisdom Academy. ¨Watkins has been an authority in the Mind Body Spirit field for over a century. Our teachers are all professionals in their field and each course is unique to their teaching styles. So you know that you are learning from the best!¨

The Learning Path

the learning path

Birmingham

Preparing and selling hot food has risks. There are the usual shop risks; customers having accidents, theft, vandalism; but takeaway shops involve the use of hot overns and sometimes hot oil as well, greatly increasing the possibilities of fire and burns to staff and, occasionally, customers as well. Increasingly, though, we have a compensation culture around hot food, ranging from claims of being scalded by hot liquids such as drinks or soups, and there have been numerous cases of people with allergies falling ill through eating food containing possible allergens. Insurance has never been so important for food shops and you can get more information from this cheap shop insurance site. Hot food delivery insurance Risks don't end when the food leaves the premises if you have a delivery service; and this is why delivery staff need hot food delivery insurance. Unfortunately, people deliving hot food tend to have more accidents than the average. Whether they deliver by bike, car, scooter, van or motorbike they are statistically at a higher risk on the road than other road users. This is because hot food needs to be kept that way; and no matter how carefully the food items are packed some cooling is going to happen. Also; most delivery drivers have a certain number of deliveries to make in order to earn their keep. These facts mean that there is a tendency for drivers delivering takeaway food to go a bit faster than they really should, which increases the likelihood of accidents. In addition, the greatest demand for food to be delivered is when the weather is bad, and during the evening, and both these conditions make for more difficult driving conditions. Motor insurance companies insist that those delivering food are properly insured to do so and without this cover delivery drivers risk heavy fines and other penalties which could lead to losing a driving licence. So, when insuring you shop, don't forget to insure your delivery staff too! What kind of insurance does a hot fast food shop need? A business normally requires some, possibly all, of the following: Public liability Employers liability Professional indemnity Buildings and contents cover Bigger companies can also face more complex risks such as terrorism, cyber attacks, defamation, and much more. Every business is different and so every business requires protection against different risks. Smaller companies Smaller businesses can be at greater risk than larger ones because they do not have the financial backing to survive compensation claims or other disasters which adversely affect them. A simple slip or trip in the workplace can lead to a court case that can destroy a business; a fire can wipe out years of hard work. Managers need to not only concentrate on day-to-day essentials but also consider what happens if things go wrong – and they do so all too readily. Your business is unique and therefore it is highly likely that you need a unique insurance package. It is also easy to look for the cheapest insurance by visiting price comparison websites; but few managers have the time to go into all the small print on innumerable policies. Failing to do so however can result in a disaster if something goes wrong that should have been insured, but wasn't, because of an oversight. A professional insurance broker who specialises in business insurance should be able to advise managers on exactly what insurance they need, where to buy it, and how much they really need to pay for it. Majority of brokers will not charge the company they advise a fee, because they will receive commission from the underwriter that they pass the business on to. In the vast majority of cases working through a broker is the only way to buy a lot of insurance products anyway, since few underwriters will deal directly with businesses, except perhaps the very largest ones.