History and heritage
Heath Crawford and Foster Limited were established in 1982. The company's success can be demonstrated by the long-standing relationship with their clients. HCF were acquired by the Clear Group in September 2023.
General enquiries
Emergency out of hours
Location
Suite 27, First Floor, CP House, Otterspool Way, Watford, WD25 8HR
Monday - Friday
9:00 am - 5:00 pm
Saturday & Sunday
Closed
Stay informed about insurance news and its impact on you and your business
As we move closer to the April rollout of several key provisions under the Employment Rights Act 2025, this month’s update takes a brief look at the changes arriving next. From new leave entitlements and adjusted notice rules to updates on sick pay, redundancy protections and whistleblowing, the coming weeks will bring important shifts for employers and employees alike. Below is a quick, practical reminder of what takes effect in early April, and the consultations still open for your feedback.
The conflict involving Iran, the United States and Israel is not a distant backdrop. It is directly reshaping UK supply chains, raising operating costs and adding stress to financial planning. Disrupted tanker movements around the Strait of Hormuz, shifting energy benchmarks and tighter insurance conditions are all feeding into UK prices and business risk. Taken together, these factors are tightening margins and increasing the probability of payment delays along the chain.
If you’re unsure whether Critical Illness Cover, Income Protection, or a combination of both is right for you, we’re here to help.