Membership Benefit

Grow your business with

Experian Business Express

Credit Check your customers and suppliers with Experian Business Express credit reports.

Herts Chamber members are entitled to a Free Trial and 20% discount on the product subscription.

Experian Business Express has one of the most predictive scoring models in the industry, which lets you easily determine the creditworthiness of your business’s customers and suppliers. Based on Experian’s scoring model, Business Express can help you predict business credit risks and failures within the next 12 months. Once set up, you’ll have immediate access to all the data you need to make the right decisions for your business. Our commercial credit reports provide the most complete and in-depth analysis of a business’ credit information.

Features include

• Business information including credit scores and limits • 3 years account summary • CCJ information over the last 6 years • Basic monitoring service • Non limited business reports • Parent and ultimate holding companies • Directors and links to other business interests including shareholders • 3 years’ worth of full financial information • Payment data for Limited and Non-Limited businesses • Ownership - Group structure, shareholders & director search facility

One Off Company Credit Checks

Instantly credit check a UK business online.

Herts Chamber members are entitled to 50% discount on one off credit checks.

Experian business credit reports enable you to instantly check a company online, allowing you to make quick and informed decisions about potential customers and suppliers. Single business credit reports give you quick and simple access to online business reports and directors information.

Know who you’re dealing with

• By checking your customers • By checking the people behind a business • By checking your suppliers

Get paid on time

• By knowing if a company is financially stable • By seeing a company’s credit rating • By finding out how quickly a business pays its invoices

My Business Profile

See how banks & suppliers view your Limited Company credit score with My Business Profile from Experian.

Includes a 90-day free trial followed by an ongoing fee of £12.50 + Vat per month (50% discount) for continued usage. Cancel at any time. Check and improve your business credit score

Being denied company credit can be bad news for your business, especially if you need finance to grow. If your business has been refused credit or struggled to secure new finance, you’ll know how that can impact your plans. But is relying on your personal finances really the answer? With My Business Profile, you get full visibility of your business credit profile, enabling you to understand what’s affecting your company credit score and preventing you from being able to obtain that all important company finance.

How does My Business Profile help? • Find out the top 5 factors influencing your score.

Give yourself the best chance when applying for business credit, by working on the areas that are affecting your score

• See what lenders see when making credit decisions

about your business. This is one of the only reports of its type to include commercial CAIS data, making it the

most accurate and fully comprehensive view of your own business credit profile • Automatic Alerts. Receive alerts about significant changes, so you can act quickly to reduce any negative impacts to your score • Customer Support. On-going advice and support to help make your business credit score the best it can be *£12.50 + Vat after free trial. You may cancel online during your trial free of charge.

Experian B2B Prospector

Experian B2B Prospector helps you find new customers fast. Your small business marketing relies on up-to-date business marketing data. Knowing that your data is segmented and targeted to your most profitable business prospects means you can lower your marketing costs and conduct your sales campaigns with confidence.

Herts Chamber members are entitled to a 50% off any purchases made.

Choose exactly the kind of businesses you’re looking for, review them before you buy and start contacting them immediately – by email, phone or through the post.

Build a list of your ideal prospects with Experian B2B Prospector

• Over 5.3 million UK businesses with names, postal addresses, phone numbers and e-mail addresses • Segment, target and tailor your list by geography, business type, turnover, number of employees and many more • Set a specific number of contacts to suit your budget. • Free Data Validator to ensure you fulfil your GDPR obligations by checking data you have purchased from

Experian’s B2B Prospector Enhance data you have by adding up to 60 data variables to help you get better insight and help segment your existing portfolio. Also provides a FREE data profile report.

Driving employee engagement with health and wellbeing initiatives requires more than a one-size-fits-all approach. Small businesses that take the time to attune to their employees’ needs from the outset are a step ahead in fostering an engaged and positive workforce.

There is little doubt that healthy and engaged employees are a significant driver of business success. When staff feel appreciated and there is genuine interest from the top, the workforce will flourish. Employers should create a culture of openness and honesty that ensures

Making it personal with meaningful employee health and wellbeing

health and wellbeing initiatives genuinely help employees. Yet, traditionally, many employers have fallen into the trap of making generalised assumptions about what their people need or want. AXA Health encourages businesses to take a proactive approach to safeguarding each employee’s physical and psychological health. Building and sustaining a positive, supportive workplace culture, where employees are encouraged to lead healthy, active lives and have a good work-life balance, is a good place to start. As the first step in personalisation, business owners should ask their employees what they want. They can canvass views through surveys, focus groups or simply informal discussions, helping to gain a reliable understanding of what employees really need in health and wellbeing benefits. There is a growing trend towards the provision of employee health and wellbeing support that is more holistic, and there are positive steps that can be taken at no cost whatsoever. Companies can, for example, highlight and endorse public health initiatives such as National Stress Awareness Day or National Mental Health Awareness Week. Promoting these and other initiatives reinforces that an employer genuinely cares about the wellbeing of each staff member and contributes to an atmosphere of openness concerning a full range of health and wellness-related issues. A healthcare plan from AXA Health supports your people when they need it most, helping them manage problems before they get worse and keeping your business working.

As a Chamber member, if you take out small business healthcare cover, you’ll also get: • 50% off your Chamber of Commerce membership for three years.¹ • Up to 40% off monthly individual membership fees at Nuffield Health fitness and wellbeing centres for your employees.²

To find out more about how you can support your employees with business healthcare cover call 0800 389 7413 and mention that you’re a Chamber member. As with all insurance plans, terms and conditions apply.

¹Direct new customers only. 50% off up to a value of £125 per employee covered, per year, for up to three years. See website for more: axahealth.co.uk/chambers-home. ²Discount applies to Nuffield Health’s fitness & wellbeing gym monthly individual membership only. You must be the lead member on a current AXA Health private healthcare plan or lead member on a company plan or scheme to be eligible for a 40% discount. All AXA Health client’s employees, who aren’t covered by an AXA Health private healthcare scheme, plus the spouse or partner of both audiences are eligible for a 20% discount. You must provide proof of membership and/or employer. The spouse or partner must join at the same time or after to be eligible. Access will be to your home club (the one you select on joining) plus many more clubs around the country, depending on your home club. See nuffieldhealth.com/gyms/membership/multi-club-access. You must use your home site at least 50% of the time. Existing members of Nuffield Health who transfer to either of the AXA Health discounts and any other members who join after 30/11/2021 will incur a £35 administration fee charged by Nuffield Health. Further terms and conditions apply visit axahealth.co.uk/terms/gym-discount. British Chambers of Commerce Limited is an introducer appointed representative of AXA PPP healthcare Limited. AXA Health is a trading name of AXA PPP healthcare Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.The private healthcare insurance plans are underwritten by AXA PPP healthcare Limited.Registered office: 20 Gracechurch Street, London EC3V 0BG. Registered in England and Wales number 3148119. Write to us at: AXA Health, Phillips House, Crescent Road, Tunbridge Wells, Kent TN1 2PL. For information about AXA Health, visit axahealth.co.uk/aboutaxahealth.