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Sticky CTA - Commercial Combined",[],"content_block__sticky__cta",{"elements":160,"system":170},{"text_left":161,"text_middle":164,"text_right":167},{"name":162,"type":7,"value":163},"Text Left","We can cover start-ups, limited companies, and sole traders. Start your quote online instantly",{"name":165,"type":7,"value":166},"Text Middle","Get cover to protect against the risks your business actually faces. No unnecessary add-ons",{"name":168,"type":7,"value":169},"Text Right","Bionic is trusted by UK businesses and won 'Highly Commended' at the 2025 Insurance Broker Awards",{"codename":124,"collection":81,"id":171,"language":81,"lastModified":172,"name":173,"sitemapLocations":174,"type":175,"workflowStep":87,"workflow":81},"c83f739b-608e-4314-924d-f154126aac99","2026-04-01T09:32:59.450512Z","Content Block - USP - Bionic specialises in business insurance for sole traders, partnerships",[],"content_block___usp_",{"elements":177,"system":191},{"title_accent":178,"title":181,"text":183},{"name":179,"type":7,"value":180},"Title Accent","What is...",{"name":146,"type":7,"value":182},"commercial combined insurance?",{"images":184,"linkedItemCodenames":185,"linkedItems":186,"links":187,"name":188,"type":189,"value":190},[],[],[],[],"Text","rich_text","\u003Cp>Commercial combined insurance is an all‑in‑one policy designed for businesses that could include covers like public liability, employers’ liability, buildings, contents, stock, under a single policy. It is designed to help protect premises‑based businesses against the usual risks that come with running a business - like unexpected property damage, forced closure, or employee injury that could lead to claims. \u003C\u002Fp>\n\u003Cp>A commercial combined package could help provide peace of mind and financial protection in case a disaster strikes, and someone claims against you, or you need to make a claim. It can help cover legal fees and compensation, so you can focus on what’s most important - running your business. \u003C\u002Fp>",{"codename":125,"collection":81,"id":192,"language":81,"lastModified":193,"name":194,"sitemapLocations":195,"type":196,"workflowStep":87,"workflow":81},"a5c01745-3e8a-4055-9b92-4d1104f6d75f","2026-03-27T15:34:46.9794261Z","Content Block - One Column - What is commercial combined insurance?",[],"content_block___one_column_styled_heading",{"elements":198,"system":220},{"title":199,"text":201,"theme":207},{"name":146,"type":7,"value":200},"Why do you need a commercial combined policy?",{"images":202,"linkedItemCodenames":203,"linkedItems":204,"links":205,"name":188,"type":189,"value":206},[],[],[],[],"\u003Cp>When running your business, you could run into risks, including: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>An employee suffers an injury at work \u003C\u002Fli>\n  \u003Cli>A visitor slips and falls on your premises \u003C\u002Fli>\n  \u003Cli>Your business equipment is stolen or damaged \u003C\u002Fli>\n  \u003Cli>A fire or disaster disrupts your operations \u003C\u002Fli>\n  \u003Cli>Your stock is damaged in an accidental fire \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>It’s worth noting that if you have any employees, then you must have \u003Cstrong>employer’s liability \u003C\u002Fstrong>insurance by law. Without it, you may be fined up to £2,500. \u003C\u002Fp>",{"name":71,"type":15,"value":208,"linkedItems":210},[209],"content_block___theme___navy",[211],{"elements":212,"system":215},{"colour":213},{"name":78,"type":7,"value":214},"Navy",{"codename":209,"collection":81,"id":216,"language":81,"lastModified":217,"name":218,"sitemapLocations":219,"type":86,"workflowStep":87,"workflow":81},"324b67a1-399c-4efe-a4b4-791af801a4fd","2024-11-08T10:57:29.8395583Z","Content Block - Theme - Navy",[],{"codename":126,"collection":81,"id":221,"language":81,"lastModified":222,"name":223,"sitemapLocations":224,"type":225,"workflowStep":87,"workflow":81},"ed0f1095-eb78-4f9a-854a-0ffc2ce27e53","2026-03-27T15:35:17.9059253Z","Content Block - One Column - Why do you need a commercial combined policy?",[],"content_block___one_column",{"elements":227,"system":380},{"title":228,"text":230,"cards":236},{"name":146,"type":7,"value":229},"What can a commercial combined insurance cover?",{"images":231,"linkedItemCodenames":232,"linkedItems":233,"links":234,"name":188,"type":189,"value":235},[],[],[],[],"\u003Cp>Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your commercial combined insurance package could include:\u003C\u002Fp>",{"name":237,"type":15,"value":238,"linkedItems":246},"Cards",[239,240,241,242,243,244,245],"employers__liability_insurance","public_liability_insurance_e3c2338","content_block___carousel_card___stock_and_contents_0705972","commercial_building_insurance","content_block___carousel_card___business_interrupt","untitled_content_item_54ee97d","content_block___carousel_card___tool_insurance___h",[247,269,288,308,327,346,363],{"elements":248,"system":263},{"icon":249,"title":259,"text":261},{"name":250,"type":23,"value":251},"Icon",[252],{"name":253,"description":254,"type":28,"size":255,"url":256,"width":257,"height":257,"renditions":258},"INS - Employer.png","A blue line drawing of a man wearing a hard hat",3794,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F8d1f5548-2c3d-45af-b669-b905ff7472f0\u002FINS%20-%20Employer.png",72,{},{"name":146,"type":7,"value":260},"Employers’ liability insurance",{"name":188,"type":7,"value":262},"If someone working for you gets ill or injured doing work on your behalf. A legal requirement if you have employees. ",{"codename":239,"collection":81,"id":264,"language":81,"lastModified":265,"name":266,"sitemapLocations":267,"type":268,"workflowStep":87,"workflow":81},"acf5662a-3064-478b-934b-ac914585c12f","2026-06-11T12:53:41.7861274Z","Content Block - Carousel Card - Employers’ liability insurance",[],"content_block___carousel_card",{"elements":270,"system":283},{"icon":271,"title":279,"text":281},{"name":250,"type":23,"value":272},[273],{"name":274,"description":275,"type":28,"size":276,"url":277,"width":257,"height":257,"renditions":278},"INS - Public.png","A group of blue people",4641,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Ff157bbc5-76dd-49f1-9d6d-ccff0c081c71\u002FINS%20-%20Public.png",{},{"name":146,"type":7,"value":280},"Public liability insurance",{"name":188,"type":7,"value":282},"In case you injure someone or damage something while providing your services. For example, slipping on a wet floor.",{"codename":240,"collection":81,"id":284,"language":81,"lastModified":285,"name":286,"sitemapLocations":287,"type":268,"workflowStep":87,"workflow":81},"e3c2338f-8198-45d0-ba34-ab5d7d09cd03","2026-06-11T12:51:55.1224463Z","Content Block - Carousel Card - Public liability insurance",[],{"elements":289,"system":303},{"icon":290,"title":299,"text":301},{"name":250,"type":23,"value":291},[292],{"name":293,"description":294,"type":295,"size":296,"url":297,"width":257,"height":257,"renditions":298},"Icon insurance card.jpg","insurance shield icon","image\u002Fjpeg",1277,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F97bbff11-1e59-4e47-8225-2683edd5ca82\u002FIcon%20insurance%20card.jpg",{},{"name":146,"type":7,"value":300},"Stock and contents insurance",{"name":188,"type":7,"value":302},"In case your stock or equipment is stolen or damaged by flood or fire.",{"codename":241,"collection":81,"id":304,"language":81,"lastModified":305,"name":306,"sitemapLocations":307,"type":268,"workflowStep":87,"workflow":81},"0705972f-9d93-46f3-b19f-975c77f642e8","2025-04-14T12:36:07.4371227Z","Content Block - 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Biz Interruption.png","A blue triangle with a exclamation mark on it",3383,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Fc27a3a33-94e6-4f8d-a3bd-c4224b5243fd\u002FINS%20-%20Biz%20Interruption.png",{},{"name":146,"type":7,"value":338},"Business interruption insurance",{"name":188,"type":7,"value":340},"Provides compensation if material damage stops your business from running normally, for example fire or flood. ",{"codename":243,"collection":81,"id":342,"language":81,"lastModified":343,"name":344,"sitemapLocations":345,"type":268,"workflowStep":87,"workflow":81},"92a0a060-d9b0-4cb8-97c1-065c17756f5c","2026-06-11T12:55:23.4303101Z","Content Block - Carousel Card - Business interruption",[],{"elements":347,"system":358},{"icon":348,"title":354,"text":356},{"name":250,"type":23,"value":349},[350],{"name":293,"description":351,"type":295,"size":296,"url":352,"width":257,"height":257,"renditions":353},"Insurance shield icon","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Ff94a957c-b7dd-4071-9885-aab3d118a5cc\u002FIcon%20insurance%20card.jpg",{},{"name":146,"type":7,"value":355},"Business equipment insurance",{"name":188,"type":7,"value":357},"Covers theft or damage to essentials like laptops, recruitment software, and office equipment",{"codename":244,"collection":81,"id":359,"language":81,"lastModified":360,"name":361,"sitemapLocations":362,"type":268,"workflowStep":87,"workflow":81},"54ee97d8-1302-475f-bcf4-a44e50154c19","2026-06-15T10:47:41.4499653Z","Content Block - Carousel Card - Business equipment insurance - recuitment",[],{"elements":364,"system":375},{"icon":365,"title":371,"text":373},{"name":250,"type":23,"value":366},[367],{"name":293,"description":368,"type":295,"size":296,"url":369,"width":257,"height":257,"renditions":370},"Insurance icon","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Fc2984137-6ade-4f3a-99ae-2ecf2f837ef5\u002FIcon%20insurance%20card.jpg",{},{"name":146,"type":7,"value":372},"Tool Insurance",{"name":188,"type":7,"value":374},"Protects against theft, loss, or damage to your essential tools.",{"codename":245,"collection":81,"id":376,"language":81,"lastModified":377,"name":378,"sitemapLocations":379,"type":268,"workflowStep":87,"workflow":81},"4f3c5175-1f8c-444d-8a15-274032827ced","2025-04-04T09:09:16.4426878Z","Content Block - Carousel Card - Tool insurance - Handyman",[],{"codename":127,"collection":81,"id":381,"language":81,"lastModified":382,"name":383,"sitemapLocations":384,"type":385,"workflowStep":87,"workflow":81},"b6d126a1-81af-4d6a-a498-baa2463f8bb9","2026-03-27T15:15:10.7964099Z","Content Block - Carousel - What can a commercial combined insurance cover?",[],"content_block___carousel",{"elements":387,"system":408},{"title":388,"text":389,"cta_button_text":390,"cta_link_url":392,"tagline":394,"theme":395},{"name":146,"type":7,"value":56},{"name":188,"type":7,"value":56},{"name":49,"type":7,"value":391},"Compare insurance quotes",{"name":52,"type":7,"value":393},"https:\u002F\u002Fbusiness-insurance.bionic.co.uk\u002F?ppcref=seogeneric",{"name":34,"type":7,"value":56},{"name":71,"type":15,"value":396,"linkedItems":398},[397],"content_block___theme___blue_b7fc496",[399],{"elements":400,"system":403},{"colour":401},{"name":78,"type":7,"value":402},"Blue",{"codename":397,"collection":81,"id":404,"language":81,"lastModified":405,"name":406,"sitemapLocations":407,"type":86,"workflowStep":87,"workflow":81},"b7fc4968-c2c4-48e1-9156-4ae5a909ec6b","2025-03-19T11:34:55.677362Z","Content Block - Theme - Blue",[],{"codename":128,"collection":81,"id":409,"language":81,"lastModified":410,"name":411,"sitemapLocations":412,"type":413,"workflowStep":87,"workflow":81},"fceb21d9-1e1d-456b-adf9-65ab0a6bd0c5","2026-01-23T14:59:20.5605518Z","Content Block - CTA - SEOGeneric 2",[],"content_block__cta",{"elements":415,"system":427},{"title":416,"text":418,"theme":424},{"name":146,"type":7,"value":417},"What types of businesses need commercial combined?",{"images":419,"linkedItemCodenames":420,"linkedItems":421,"links":422,"name":188,"type":189,"value":423},[],[],[],[],"\u003Cp>Whether you wholesale operations or a gym, you should consider insurance. At Bionic, we can cover over 6,000 small to medium sized business types, including: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Foffice\u002F\">Offices\u003C\u002Fa> \u003C\u002Fli>\n  \u003Cli>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fmanufacturing\u002F\">Manufacturers\u003C\u002Fa>\u003C\u002Fli>\n  \u003Cli>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fwholesale\u002F\">Wholesalers\u003C\u002Fa> \u003C\u002Fli>\n  \u003Cli>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fwarehouse\u002F\">Warehouses\u003C\u002Fa> \u003C\u002Fli>\n  \u003Cli>Importers \u003C\u002Fli>\n  \u003Cli>Exporters \u003C\u002Fli>\n  \u003Cli>Distributors \u003C\u002Fli>\n  \u003Cli>Metalworkers \u003C\u002Fli>\n  \u003Cli>Gyms\u002F\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fgyms\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">fitness facilities\u003C\u002Fa> \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Can’t see your business type? It's likely we can still help – we can cover over 6,000 business types. Start a quote online to see your options.\u003C\u002Fp>",{"name":71,"type":15,"value":425,"linkedItems":426},[73],[75],{"codename":129,"collection":81,"id":428,"language":81,"lastModified":429,"name":430,"sitemapLocations":431,"type":225,"workflowStep":87,"workflow":81},"b8250c0d-369c-4c64-be9a-b49a1d19101e","2026-03-27T15:36:14.6637436Z","Content Block - One Column - What types of small businesses may need commercial combined?",[],{"elements":433,"system":445},{"title":434,"text":436,"theme":442},{"name":146,"type":7,"value":435},"How much does commercial combined insurance cost?",{"images":437,"linkedItemCodenames":438,"linkedItems":439,"links":440,"name":188,"type":189,"value":441},[],[],[],[],"\u003Cp>How much your commercial combined policy costs will vary, but it could start from around \u003Cstrong>£1.22 a day*. \u003C\u002Fstrong>The following may affect the price of your premiums:   \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Extent of cover\u003C\u002Fstrong> - The more additional cover you opt for, the more likely it is to be more expensive   \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Your insurer\u003C\u002Fstrong> - The insurer you choose may also influence costs \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Location\u003C\u002Fstrong>  – Where your business is located can be taken into consideration when calculating the price of your premiums.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Business size\u003C\u002Fstrong> - Larger operations with more employees, higher turnover and bigger premises typically pay more for cover.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Type of product\u002Fservice \u003C\u002Fstrong>- What service or products you offer will affect your premium. For example, food production, chemicals or products for children often have higher premiums than lower-risk items like textiles or packaging.   \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Equipment - \u003C\u002Fstrong>Older equipment or hazardous processes could potentially increase costs.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Claims history\u003C\u002Fstrong> - If you have a history of claims such as fire, flood or injuries, your premium may be higher.   \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>\u003Csub>*The price is for a commercial combined policy – 10% of customers who were sold with one of our panel providers paid £445.08 or less annually (excluding any additional administration fees) between 01\u002F01\u002F25 & 31\u002F12\u002F2025. Equivalent to £37.09 a month or £1.22 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary  based on your business requirements.\u003C\u002Fsub> \u003C\u002Fp>",{"name":71,"type":15,"value":443,"linkedItems":444},[209],[211],{"codename":130,"collection":81,"id":446,"language":81,"lastModified":447,"name":448,"sitemapLocations":449,"type":225,"workflowStep":87,"workflow":81},"36c16919-3c75-4ac8-9df3-f53279221124","2026-03-27T15:36:51.0216124Z","Content Block - One Column - How much does commercial combined insurance cost?",[],{"elements":451,"system":462},{"title":452,"text":453,"cta_button_text":454,"cta_link_url":456,"tagline":457,"theme":459},{"name":146,"type":7,"value":56},{"name":188,"type":7,"value":56},{"name":49,"type":7,"value":455},"Compare business insurance quotes",{"name":52,"type":7,"value":393},{"name":34,"type":7,"value":458},"Or speak to one of our team on 0800 032 7925",{"name":71,"type":15,"value":460,"linkedItems":461},[397],[399],{"codename":131,"collection":81,"id":463,"language":81,"lastModified":464,"name":465,"sitemapLocations":466,"type":413,"workflowStep":87,"workflow":81},"6c660f90-dec6-4842-a179-5f29c1e5e5ec","2026-01-20T15:51:48.5124608Z","Content Block - CTA - Generic - Compare & save",[],{"elements":468,"system":490},{"title":469,"text":471,"theme":477},{"name":146,"type":7,"value":470},"What is not covered by commercial combined?",{"images":472,"linkedItemCodenames":473,"linkedItems":474,"links":475,"name":188,"type":189,"value":476},[],[],[],[],"\u003Cp>One of the biggest frustrations business owners have is only learning about exclusions after a claim is declined. It’s important to read your own policy exclusions when you take it out. Common exclusions may include: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Gradual wear and tear \u003C\u002Fli>\n  \u003Cli>Poor maintenance \u003C\u002Fli>\n  \u003Cli>Deliberate acts \u003C\u002Fli>\n  \u003Cli>Professional negligence \u003C\u002Fli>\n  \u003Cli>Some high-risk activities that may not included on your policy (for example, manufacturing explosives) \u003C\u002Fli>\n  \u003Cli>Activities you haven’t declared \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Policies vary per insurer, and limits and exclusions apply. Always check your own policy wording to see what is and isn’t included.\u003C\u002Fp>",{"name":71,"type":15,"value":478,"linkedItems":480},[479],"content_block___theme___grey",[481],{"elements":482,"system":485},{"colour":483},{"name":78,"type":7,"value":484},"Grey",{"codename":479,"collection":81,"id":486,"language":81,"lastModified":487,"name":488,"sitemapLocations":489,"type":86,"workflowStep":87,"workflow":81},"7f21286b-86bb-4895-89e6-2a089b86b647","2024-10-21T16:46:34.480424Z","Content Block - Theme - Grey",[],{"codename":132,"collection":81,"id":491,"language":81,"lastModified":492,"name":493,"sitemapLocations":494,"type":225,"workflowStep":87,"workflow":81},"78c6ce42-0cfd-4855-9f3d-4e2bf9e63628","2026-03-27T15:22:24.3066574Z","Content Block - One Column - What is not covered by commercial combined insurance?",[],{"elements":496,"system":518},{"quote_image":497,"quote_text":508,"attribution":515},{"name":498,"type":23,"value":499},"Quote Image",[500],{"name":501,"description":502,"type":28,"size":503,"url":504,"width":505,"height":506,"renditions":507},"quote-image-jamesb.png","James Barwell",30776,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Feb23b2d5-571c-4b0f-bb52-3fbad8823814\u002Fquote-image-jamesb.png",230,190,{},{"images":509,"linkedItemCodenames":510,"linkedItems":511,"links":512,"name":513,"type":189,"value":514},[],[],[],[],"Quote Text","\u003Cp>From equipment breakdowns to injury claims, a commercial combined policy can help protect your business and keep your operations running smoothly.\u003C\u002Fp>",{"name":516,"type":7,"value":517},"Attribution","James Barwell, Insurance Director",{"codename":133,"collection":81,"id":519,"language":81,"lastModified":520,"name":521,"sitemapLocations":522,"type":523,"workflowStep":87,"workflow":81},"ecb6883d-2e5d-471e-8508-707a1adb7cd8","2026-03-27T15:24:59.5455779Z","Content Block - Quote - James B - Commercial Combined",[],"content_block___quote",{"elements":525,"system":537},{"title":526,"text":528,"theme":534},{"name":146,"type":7,"value":527},"Arrange a commercial combined policy with Bionic",{"images":529,"linkedItemCodenames":530,"linkedItems":531,"links":532,"name":188,"type":189,"value":533},[],[],[],[],"\u003Cp>At Bionic, we champion UK business owners and want to help in every way we can. That’s why we work with a panel of trusted insurers to provide commercial combined insurance quotes for UK small to medium sized businesses.  \u003C\u002Fp>\n\u003Cp>We focus on getting you the right cover, whatever your business story. Get in touch with our insurance brokers to find a commercial combined policy today. Start a quote online to carry out a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\">business insurance comparison.\u003C\u002Fa> \u003C\u002Fp>",{"name":71,"type":15,"value":535,"linkedItems":536},[209],[211],{"codename":134,"collection":81,"id":538,"language":81,"lastModified":539,"name":540,"sitemapLocations":541,"type":225,"workflowStep":87,"workflow":81},"e564e79b-8cc8-4cef-acc5-34576b79662a","2026-03-27T15:42:15.7257291Z","Content Block - One Column - Arrange a commercial combined policy with Bionic",[],{"elements":543,"system":580},{"title":544,"tagline":546,"title_left":548,"text_left":551,"title_middle":557,"text_middle":560,"title_right":566,"text_right":569,"cta_button_text":575,"cta_link_url":577},{"name":146,"type":7,"value":545},"How Bionic business insurance comparison works",{"name":34,"type":7,"value":547},"Compare business insurance quotes in three simple steps ",{"name":549,"type":7,"value":550},"Title Left","Start your quote online ",{"images":552,"linkedItemCodenames":553,"linkedItems":554,"links":555,"name":162,"type":189,"value":556},[],[],[],[],"\u003Cp>Submit basic business details online - this will help us find the right cover & price for you.\u003C\u002Fp>",{"name":558,"type":7,"value":559},"Title Middle","Speak to our UK-based team",{"images":561,"linkedItemCodenames":562,"linkedItems":563,"links":564,"name":165,"type":189,"value":565},[],[],[],[],"\u003Cp>Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct. \u003C\u002Fp>",{"name":567,"type":7,"value":568},"Title Right","Compare tailored quotes",{"images":570,"linkedItemCodenames":571,"linkedItems":572,"links":573,"name":168,"type":189,"value":574},[],[],[],[],"\u003Cp>Get your quotes from our panel of trusted insurers and talk any questions through with our team. \u003C\u002Fp>",{"name":49,"type":7,"value":576},"Start a quote now",{"name":578,"type":7,"value":579},"CTA Link Url","https:\u002F\u002Fbusiness-insurance.bionic.co.uk\u002F",{"codename":135,"collection":81,"id":581,"language":81,"lastModified":582,"name":583,"sitemapLocations":584,"type":585,"workflowStep":87,"workflow":81},"06928407-755a-4feb-a6e4-2d85988c5b4e","2025-03-31T10:16:48.450992Z","Content Block - How does it work - How Bionic business Insurance comparison works - PPC",[],"content_block___how_does_it_work",{"elements":587,"system":641},{"title_left":588,"text_left":590,"bullet_points":596},{"name":549,"type":7,"value":589},"What do I need to get started?",{"images":591,"linkedItemCodenames":592,"linkedItems":593,"links":594,"name":162,"type":189,"value":595},[],[],[],[],"\u003Cp>You only need a few details to get started with getting a free business insurance quote online, so it’s best to have the following information ready to go: \u003C\u002Fp>",{"name":597,"type":15,"value":598,"linkedItems":603},"Bullet Points",[599,600,601,602],"content_block___bullet_point_item___ins_business","content_block___bullet_point_item___ins_policy_dat","content_block___bullet_point_item___ins_name_and_c","content_block___bullet_point_item___ins_additional",[604,614,623,632],{"elements":605,"system":608},{"text":606},{"name":188,"type":7,"value":607},"Your business name and trade ",{"codename":599,"collection":81,"id":609,"language":81,"lastModified":610,"name":611,"sitemapLocations":612,"type":613,"workflowStep":87,"workflow":81},"f5c87133-0e80-44f6-a888-59adda324773","2024-11-18T15:45:17.9673586Z","Content Block - Bullet Point Item - ins business",[],"content_block___bullet_point_item",{"elements":615,"system":618},{"text":616},{"name":188,"type":7,"value":617},"Your policy start date",{"codename":600,"collection":81,"id":619,"language":81,"lastModified":620,"name":621,"sitemapLocations":622,"type":613,"workflowStep":87,"workflow":81},"45b464f7-13cf-49ff-9d89-7624b4e6561e","2024-11-18T16:45:27.4347361Z","Content Block - Bullet Point Item - Ins Policy Date",[],{"elements":624,"system":627},{"text":625},{"name":188,"type":7,"value":626},"Your name and contact details to receive your quote options",{"codename":601,"collection":81,"id":628,"language":81,"lastModified":629,"name":630,"sitemapLocations":631,"type":613,"workflowStep":87,"workflow":81},"cc8e290d-aa14-49e6-9c47-e4efcd884c5d","2024-11-18T16:44:52.23641Z","Content Block - Bullet Point Item - Ins name and contact details",[],{"elements":633,"system":636},{"text":634},{"name":188,"type":7,"value":635},"You may be asked additional questions about business activities",{"codename":602,"collection":81,"id":637,"language":81,"lastModified":638,"name":639,"sitemapLocations":640,"type":613,"workflowStep":87,"workflow":81},"e68e6dec-964b-4032-8dd3-db7796d9098b","2024-11-18T16:46:11.6253384Z","Content Block - Bullet Point Item - Ins additional Q's",[],{"codename":136,"collection":81,"id":642,"language":81,"lastModified":643,"name":644,"sitemapLocations":645,"type":646,"workflowStep":87,"workflow":81},"e263bf42-58ca-4c8b-8463-d2c02093c67a","2026-03-16T14:49:09.7669112Z","Content Block - Bullet Points - Ins Getting Started",[],"content_block___bullet_points",{"elements":648,"system":655},{"title":649,"cta_button_text":651,"cta_link_url":653},{"name":146,"type":7,"value":650},"Businesses are happy with our customer service",{"name":49,"type":7,"value":652},"Read our customer stories",{"name":52,"type":7,"value":654},"https:\u002F\u002Fuk.trustpilot.com\u002Freview\u002Fbionic.co.uk",{"codename":137,"collection":81,"id":656,"language":81,"lastModified":657,"name":658,"sitemapLocations":659,"type":660,"workflowStep":87,"workflow":81},"0b8fe963-e21c-40d4-a3af-533d6b0a87b3","2026-05-29T11:25:35.7041053Z","Content Block - Trust Pilot: Slider Insurance",[],"content_block___trust_pilot",{"elements":662,"system":721},{"title":663,"tagline":665,"faq_items":666},{"name":146,"type":7,"value":664},"Commercial Combined Insurance FAQs",{"name":34,"type":7,"value":56},{"name":667,"type":15,"value":668,"linkedItems":672},"FAQ Items",[669,670,671],"content_block___faq_item___how_do_i_avoid_paying_f","content_block___faq_item___can_i_use_a_personal_po","content_block___faq_item___do_i_need_a_broker_to_b",[673,691,706],{"elements":674,"system":685},{"question":675,"answer":678},{"name":676,"type":7,"value":677},"Question","How do I avoid paying for cover I don’t need?",{"images":679,"linkedItemCodenames":680,"linkedItems":681,"links":682,"name":683,"type":189,"value":684},[],[],[],[],"Answer","\u003Cp>Before speaking to a broker, it’s best to consider the risks your own business faces, what you want to insure against and what you could do without. When reviewing each cover type, consider if you need it in order to give you peace of mind. If you don’t understand any insurance jargon, do your own research by reading some of our helpful guides or ask for support from a broker.\u003C\u002Fp>",{"codename":669,"collection":81,"id":686,"language":81,"lastModified":687,"name":688,"sitemapLocations":689,"type":690,"workflowStep":87,"workflow":81},"8159b871-e6e6-4c34-bf07-813a31b91988","2026-03-27T15:38:28.1435382Z","Content Block - FAQ Item - How do I avoid paying for cover I don’t need?",[],"content_block___faq_item",{"elements":692,"system":701},{"question":693,"answer":695},{"name":676,"type":7,"value":694},"Can I use a personal policy instead of commercial combined?",{"images":696,"linkedItemCodenames":697,"linkedItems":698,"links":699,"name":683,"type":189,"value":700},[],[],[],[],"\u003Cp>Standard home insurance policies normally exclude business activities. If you are running any business activities from home – including storing stock or equipment, you should consider commercial insurance. Don't forget, you should always tell your home insurer if you are running any business activities from home.\u003C\u002Fp>",{"codename":670,"collection":81,"id":702,"language":81,"lastModified":703,"name":704,"sitemapLocations":705,"type":690,"workflowStep":87,"workflow":81},"7cb50d91-ec20-4796-baa4-734510be7aa1","2026-03-27T15:39:00.7378621Z","Content Block - FAQ Item - Can I use a personal policy instead of commercial combined?",[],{"elements":707,"system":716},{"question":708,"answer":710},{"name":676,"type":7,"value":709},"Do I need a broker to buy commercial combined cover, or can I buy online?",{"images":711,"linkedItemCodenames":712,"linkedItems":713,"links":714,"name":683,"type":189,"value":715},[],[],[],[],"\u003Cp>It’s good to speak to a broker to ensure your business is properly insured and, to avoid underinsurance or overinsurance.  Working with a broker can help you understand the questions, so you can give the right answers and get a policy that reflects what you actually do day‑to‑day.\u003C\u002Fp>",{"codename":671,"collection":81,"id":717,"language":81,"lastModified":718,"name":719,"sitemapLocations":720,"type":690,"workflowStep":87,"workflow":81},"7b5b6ffc-34f2-4e82-9626-b1daf805c09c","2026-03-27T15:39:53.5098692Z","Content Block - FAQ Item - Do I need a broker to buy commercial combined, or can I buy online?",[],{"codename":138,"collection":81,"id":722,"language":81,"lastModified":723,"name":724,"sitemapLocations":725,"type":726,"workflowStep":87,"workflow":81},"7745ddd8-db8e-492d-a679-f780e607cfa2","2026-03-27T15:39:24.3257511Z","Content Block - FAQ Item - Commercial Combined Insurance FAQs",[],"content_block___faq",{"elements":728,"system":1385},{"title":729,"cta_button_text":731,"cta_link_url":733,"guides":735},{"name":146,"type":7,"value":730},"Our team shares essential knowledge on business insurance",{"name":49,"type":7,"value":732},"View all business insurance guides",{"name":578,"type":7,"value":734},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002F",{"name":736,"type":15,"value":737,"linkedItems":742},"Guides",[738,739,740,741],"insurnce_guide___brokers___a_step_by_step_guide_to","insurance_guide___brokers___buying_insurance_for_t","insurance_guide___what_happens_if_you_re_refused_b","untitled_content_item_5f78d8c",[743,991,1072,1252],{"elements":744,"system":986},{"post__title":745,"post__summary":747,"post__content":750,"post__author":907,"post__reviewer":912,"publish_date":917,"updated_date":922,"url":924,"seo__meta_title":927,"seo__meta_description":930,"seo__add_no_index_tag":933,"seo__canonical_url":940,"related_articles":943,"categories":947,"subfolder":952,"tags":957,"thumbnail_image":961,"show_on_index_page":968,"hide_author":974,"hide_reviewer":978,"hide_tags":982},{"name":146,"type":7,"value":746},"A step-by-step guide to working with a business insurance broker",{"name":748,"type":7,"value":749},"Summary","Never spoken to a business insurance broker before? Here's what you need to know: from finding one that’s right for your business, to renewals, claims and more. ",{"images":751,"linkedItemCodenames":758,"linkedItems":773,"links":904,"name":905,"type":189,"value":906},[752],{"description":753,"imageId":754,"url":755,"height":756,"width":757},"graphic with text 'working with an insurance broker' with a female business owner stood next to a broker. They are stood in a warehouse full of boxes.","8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F63a85fa1-294b-41c8-96fb-6e7114afbcc8\u002FWorking%20with%20a%20broker%20%281%29.jpg",1415,2118,[759,760,761,762,763,764,765,766,767,768,769,770,771,772],"n4f97319b_a2f7_01aa_f28e_ba41d475dbe8","n4f88bd1e_d4b8_013e_5a95_67a7e59ff6f4","n29f09511_2504_01a6_51e2_bc50ad81b499","cad2d966_191b_01f0_34e1_80a9af5adf8c","b0fe8a1a_32dd_0144_5b5a_70e8a597c2a2","f1ebeb93_483d_0192_b691_1399529d6a78","n30fc9004_c12c_0169_53d6_9b80e37c59f6","n5ce29ae9_eb3c_019b_096c_8043777f1968","d83d3578_9bdc_0169_86f8_97702d32c3b3","fad3a51a_8b2a_018c_f861_ce792e0004ea","n5c2aba3f_52f7_01ce_d6ee_1af7b06035a7","de398d25_e68a_01c3_3e4d_8ce889084e8f","a85b6af0_1f75_015d_3086_c63af75f75ab","n429f82f1_db5f_0196_f5ec_4b1e512b890a",[774,785,794,805,814,823,832,841,850,859,868,877,886,895],{"elements":775,"system":779},{"sound_cloud_id":776},{"name":777,"type":7,"value":778},"Sound Cloud ID","2242537154",{"codename":759,"collection":81,"id":780,"language":81,"lastModified":781,"name":780,"sitemapLocations":782,"type":783,"workflowStep":784,"workflow":784},"4f97319b-a2f7-01aa-f28e-ba41d475dbe8","2026-01-06T11:01:43.2871159Z",[],"sound_cloud",null,{"elements":786,"system":790},{"video":787},{"name":788,"type":7,"value":789},"Youtube Video","w02FKUS8ZII",{"codename":760,"collection":81,"id":791,"language":81,"lastModified":781,"name":791,"sitemapLocations":792,"type":793,"workflowStep":784,"workflow":784},"4f88bd1e-d4b8-013e-5a95-67a7e59ff6f4",[],"video_tag",{"elements":795,"system":801},{"text":796,"anchor_id":798},{"name":188,"type":7,"value":797},"What is a business insurance broker and why use one? ",{"name":799,"type":7,"value":800},"Anchor ID","what-is-a-business-insurance-broker-and-why-use-one",{"codename":761,"collection":81,"id":802,"language":81,"lastModified":781,"name":802,"sitemapLocations":803,"type":804,"workflowStep":784,"workflow":784},"29f09511-2504-01a6-51e2-bc50ad81b499",[],"anchor_tag",{"elements":806,"system":811},{"text":807,"anchor_id":809},{"name":188,"type":7,"value":808},"How do I find and choose the right business insurance broker?",{"name":799,"type":7,"value":810},"how-do-i-find-and-choose-the-right-business-insurance-broker",{"codename":762,"collection":81,"id":812,"language":81,"lastModified":781,"name":812,"sitemapLocations":813,"type":804,"workflowStep":784,"workflow":784},"cad2d966-191b-01f0-34e1-80a9af5adf8c",[],{"elements":815,"system":820},{"text":816,"anchor_id":818},{"name":188,"type":7,"value":817},"Questions to ask before choosing a broker",{"name":799,"type":7,"value":819},"questions-to-ask-before-choosing-a-broker",{"codename":763,"collection":81,"id":821,"language":81,"lastModified":781,"name":821,"sitemapLocations":822,"type":804,"workflowStep":784,"workflow":784},"b0fe8a1a-32dd-0144-5b5a-70e8a597c2a2",[],{"elements":824,"system":829},{"text":825,"anchor_id":827},{"name":188,"type":7,"value":826},"What information does a broker need from my business?",{"name":799,"type":7,"value":828},"what-information-does-a-broker-need-from-my-business",{"codename":764,"collection":81,"id":830,"language":81,"lastModified":781,"name":830,"sitemapLocations":831,"type":804,"workflowStep":784,"workflow":784},"f1ebeb93-483d-0192-b691-1399529d6a78",[],{"elements":833,"system":838},{"text":834,"anchor_id":836},{"name":188,"type":7,"value":835},"What happens if my business has unusual risks",{"name":799,"type":7,"value":837},"what-happens-if-my-business-has-unusual-risks",{"codename":765,"collection":81,"id":839,"language":81,"lastModified":781,"name":839,"sitemapLocations":840,"type":804,"workflowStep":784,"workflow":784},"30fc9004-c12c-0169-53d6-9b80e37c59f6",[],{"elements":842,"system":847},{"text":843,"anchor_id":845},{"name":188,"type":7,"value":844},"How does the quote process work with a broker?",{"name":799,"type":7,"value":846},"how-does-the-quote-process-work-with-a-broker",{"codename":766,"collection":81,"id":848,"language":81,"lastModified":781,"name":848,"sitemapLocations":849,"type":804,"workflowStep":784,"workflow":784},"5ce29ae9-eb3c-019b-096c-8043777f1968",[],{"elements":851,"system":856},{"text":852,"anchor_id":854},{"name":188,"type":7,"value":853},"What should I check before accepting a policy?",{"name":799,"type":7,"value":855},"what-should-i-check-before-accepting-a-policy",{"codename":767,"collection":81,"id":857,"language":81,"lastModified":781,"name":857,"sitemapLocations":858,"type":804,"workflowStep":784,"workflow":784},"d83d3578-9bdc-0169-86f8-97702d32c3b3",[],{"elements":860,"system":865},{"text":861,"anchor_id":863},{"name":188,"type":7,"value":862},"How much do brokers charge, and how are they paid?",{"name":799,"type":7,"value":864},"how-much-do-brokers-charge-and-how-are-they-paid",{"codename":768,"collection":81,"id":866,"language":81,"lastModified":781,"name":866,"sitemapLocations":867,"type":804,"workflowStep":784,"workflow":784},"fad3a51a-8b2a-018c-f861-ce792e0004ea",[],{"elements":869,"system":874},{"text":870,"anchor_id":872},{"name":188,"type":7,"value":871},"What happens when it’s time to renew?",{"name":799,"type":7,"value":873},"what-happens-when-its-time-to-renew",{"codename":769,"collection":81,"id":875,"language":81,"lastModified":781,"name":875,"sitemapLocations":876,"type":804,"workflowStep":784,"workflow":784},"5c2aba3f-52f7-01ce-d6ee-1af7b06035a7",[],{"elements":878,"system":883},{"text":879,"anchor_id":881},{"name":188,"type":7,"value":880},"Common mistakes when working with a broker",{"name":799,"type":7,"value":882},"common-mistakes-when-working-with-a-broker",{"codename":770,"collection":81,"id":884,"language":81,"lastModified":781,"name":884,"sitemapLocations":885,"type":804,"workflowStep":784,"workflow":784},"de398d25-e68a-01c3-3e4d-8ce889084e8f",[],{"elements":887,"system":892},{"text":888,"anchor_id":890},{"name":188,"type":7,"value":889},"Can I arrange other business services with a broker?",{"name":799,"type":7,"value":891},"can-i-arrange-other-business-services-with-a-broker",{"codename":771,"collection":81,"id":893,"language":81,"lastModified":781,"name":893,"sitemapLocations":894,"type":804,"workflowStep":784,"workflow":784},"a85b6af0-1f75-015d-3086-c63af75f75ab",[],{"elements":896,"system":901},{"text":897,"anchor_id":899},{"name":188,"type":7,"value":898},"Building a long-term relationship with your broker",{"name":799,"type":7,"value":900},"Building-a-long-term-relationship-with-your-broker",{"codename":772,"collection":81,"id":902,"language":81,"lastModified":781,"name":902,"sitemapLocations":903,"type":804,"workflowStep":784,"workflow":784},"429f82f1-db5f-0196-f5ec-4b1e512b890a",[],[],"Content","\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n4f97319b_a2f7_01aa_f28e_ba41d475dbe8\">\u003C\u002Fobject>\n\u003Cp>From understanding premiums to sums insured, getting your business properly covered doesn't have to feel like overwhelming jargon. And working with a reputable business insurance broker can make the process easier. \u003C\u002Fp>\n\u003Cp>The key is knowing what to do: from researching what a broker can offer to dealing with one so you can feel more prepared. \u003C\u002Fp>\n\u003Cp>Here's what you need to know about working with a commercial broker, including how to find one that’s right for your business, how they can help deal with renewals and claims, and more.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0\" data-image-id=\"8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F63a85fa1-294b-41c8-96fb-6e7114afbcc8\u002FWorking%20with%20a%20broker%20%281%29.jpg\" data-asset-id=\"8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0\" data-image-id=\"8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0\" alt=\"graphic with text 'working with an insurance broker' with a female business owner stood next to a broker. They are stood in a warehouse full of boxes.\">\u003C\u002Ffigure>\n\u003Cp>\u003Cstrong>Five-point summary:\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Col>\n  \u003Cli>\u003Cstrong>Benefits of using a broker\u003C\u002Fstrong> – Many brokers compare quotes, explain cover options, and negotiate with insurers on your behalf. All must be FCA‑regulated.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Choosing a broker\u003C\u002Fstrong> – Check the FCA Register and ask about fees, insurers they work with, and claims support. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Information you need\u003C\u002Fstrong> – Share your details with your broker on activities, turnover, staff, premises, and any unusual risks to help get proper cover.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Quotes \u003C\u002Fstrong> – Brokers can search the market to find suitable quote options. They can help explain what's included and any exclusions to be aware of.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Renewals \u003C\u002Fstrong>–  At renewal, many brokers recheck the market for quotes. Brokers like bionic, can also arrange other essentials for you, such as energy, broadband, and finance.\u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cp>Prefer to watch? See the roundup of this guide from Laura.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n4f88bd1e_d4b8_013e_5a95_67a7e59ff6f4\">\u003C\u002Fobject>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n29f09511_2504_01a6_51e2_bc50ad81b499\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What is a business insurance broker, and why use one?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>A business insurance broker deals in the commercial insurance market, finding quotes for businesses on your behalf. \u003C\u002Fp>\n\u003Cp>Unlike going directly to an insurer, a broker usually searches multiple providers to find cover that fits your specific needs and budget.  \u003C\u002Fp>\n\u003Cp>Learn more about the differences between a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fbroker-vs-direct-insurer-which-is-better\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">business insurance broker vs going directly to an insurer\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cp>Brokers handle the legwork of comparing policies, explaining complex terms, and negotiating on your behalf. They're particularly valuable if your business has unusual risks, previous claims, or if you're struggling to understand what cover you actually need. \u003C\u002Fp>\n\u003Cp>All legitimate UK business insurance brokers must be authorised by the \u003Ca href=\"https:\u002F\u002Fwww.fca.org.uk\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Financial Conduct Authority (FCA)\u003C\u002Fa>. You can check a broker's credentials on the FCA Register before you use one. At Bionic, we are registered with the FCA. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"cad2d966_191b_01f0_34e1_80a9af5adf8c\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How do I find and choose the right business insurance broker?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Start by checking the FCA Register to verify any broker you're considering is regulated. Although the minority, there are some brokers out there who may not be transparent and hit you with unexpected fees or leave you without adequate cover  \u003C\u002Fp>\n\u003Cp>All legitimate brokers are regulated by the FCA. This helps protect you as they must adhere to guidelines like treating customers fairly and not misleading. \u003C\u002Fp>\n\u003Cp>Then, look at your own business and find a broker who can help insure your type of business.  For example, large corporations may want to opt for a global broker while a high street business may want someone who specialises in cover for small businesses. \u003C\u002Fp>\n\u003Cp>At Bionic, we know UK small businesses, from \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fshop\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">shops\u003C\u002Fa> and \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fsalon\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">salons\u003C\u002Fa> to \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Ftakeaway\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">takeaways\u003C\u002Fa>, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fhotel\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">hotels\u003C\u002Fa> and car mechanics, we can help arrange cover that’s right for you. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"b0fe8a1a_32dd_0144_5b5a_70e8a597c2a2\">\u003C\u002Fobject>\n\u003Ch3>\u003Cstrong>Questions to ask before choosing a broker\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you’ve never spoken to a broker, you might be wondering what to ask. Depending on who you contact,  you might be able to speak to someone online or on the phone who can help iron out any questions. \u003C\u002Fp>\n\u003Cp>Consider asking: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>How do you charge – commission from insurers, fees, or both? \u003C\u002Fli>\n  \u003Cli>Which insurers do you work with? \u003C\u002Fli>\n  \u003Cli>What experience do you have with businesses like mine? \u003C\u002Fli>\n  \u003Cli>Will I have a dedicated contact person? \u003C\u002Fli>\n  \u003Cli>What support do you offer during claims? \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>UK law requires brokers to disclose their commission on commercial policies if you ask.  So don't be shy about having this conversation upfront, if you’re concerned, they should be transparent.  \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Ftara-mitchell\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Tara Mitchell\u003C\u002Fa>, Insurance Technical Manager at Bionic - \u003Cem>“When you speak to our UK-based insurance team at Bionic, they’ll talk you through your options. You’ll also have the chance to ask any questions, so you can feel confident in any decision you make”\u003C\u002Fem>\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"f1ebeb93_483d_0192_b691_1399529d6a78\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What information does a broker need from my business?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Brokers need accurate business information to get you the right quotes. So, it's a good idea to do a little bit of prep before you speak to someone. Make sure you have these details handy: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Your business description and all activities  \u003C\u002Fli>\n  \u003Cli>Annual turnover and number of employees \u003C\u002Fli>\n  \u003Cli>Business premises details (owned, leased, square footage, roof materials) \u003C\u002Fli>\n  \u003Cli>Any previous insurance claims (last 5 years typically) \u003C\u002Fli>\n  \u003Cli>Current cover details if you're switching \u003C\u002Fli>\n  \u003Cli>Any unusual risks, circumstances or activities (like microblading in a salon) \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Always try to have your turnover, payroll, latest accounts and previous insurance documents to hand, as this can help speed up the process, especially if you’re busy.  \u003C\u002Fp>\n\u003Cp>Remember, it's your duty to make sure the information you provide is accurate. If not, you could be left without adequate cover. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n30fc9004_c12c_0169_53d6_9b80e37c59f6\">\u003C\u002Fobject>\n\u003Ch3>\u003Cstrong>What happens if my business has unusual risks?\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>An unusual risk can be anything that isn’t the norm in your business, that may not be covered in a standard policy. For example, this could be:  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Working from home part-time \u003C\u002Fli>\n  \u003Cli>Storing hazardous materials \u003C\u002Fli>\n  \u003Cli>Working from a height  \u003C\u002Fli>\n  \u003Cli>Abrasive beauty treatments (like permanent tattooing) \u003C\u002Fli>\n  \u003Cli>Running a hybrid business (for example, a garden centre) \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You must tell brokers about any of these activities, as they come with a new set of risks. Brokers often deal with unusual situations every day, so it’s likely they can arrange any specialist cover you might need. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n5ce29ae9_eb3c_019b_096c_8043777f1968\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How does the quote process work with a broker?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Whether you have shared your details online or on the phone, a broker will search their panel – this can take as little as a few minutes. \u003C\u002Fp>\n\u003Cp>Depending on your business, a broker will approach multiple insurers on your behalf to find quote options. They know which insurers work with certain industries and to get competitive quotes to present back to you. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Understanding and comparing broker recommendations\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Your broker will provide your options on the phone and\u002For via email. Depending on your business, you might have 3-5 options, but you may just have one specialist provider. When considering which one to go for, important not to just look at price, you should compare: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>What's covered and what's excluded \u003C\u002Fli>\n  \u003Cli>Policy limits and excesses \u003C\u002Fli>\n  \u003Cli>Any add-ons that are included or that you may need \u003C\u002Fli>\n  \u003Cli>The reputation of each insurer when it comes to claims \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You can always ask your broker to explain any terms you don't understand. For example, “premium” and \"material damage\" might sound straightforward on paper, but don't hesitate to ask for explanations if you aren’t really sure.  \u003C\u002Fp>\n\u003Cp>It’s also worth checking out our \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fthe-bionic-insurance-jargon-buster\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">insurance jargon buster\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"d83d3578_9bdc_0169_86f8_97702d32c3b3\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What should I check before accepting a policy?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Before you say yes to any policy, verify: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>You’ve correctly described your business activities \u003C\u002Fli>\n  \u003Cli>You’re happy with the amount of cover \u003C\u002Fli>\n  \u003Cli>Your business address and employee count are right \u003C\u002Fli>\n  \u003Cli>You understand the terms and conditions, and what is and isn’t included  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You can also ask your broker to walk you through the exclusions section of your policy. This tells you what's \u003Cem>not\u003C\u002Fem> covered, which often matters as much as what is covered. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Making changes to your policy\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you get off the phone with your broker, read your policy again, and something doesn't look right, tell your broker straight away. A broker can help put it right, before the policy starts. Making alterations after your policy starts may cost extra or require the broker to speak to the insurer for approval. If you change any part of your policy, this may increase or decrease your premium. \u003C\u002Fp>\n\u003Cp>Commercial policies\u003Cem> don’t\u003C\u002Fem> include a 14-day cooling-off period, so you can’t cancel for a full refund if you change your mind. This differs from most home insurance policies and is worth keeping in mind. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"fad3a51a_8b2a_018c_f861_ce792e0004ea\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How much do brokers charge, and how are they paid?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Most brokers earn money in 3 main ways: \u003C\u002Fp>\n\u003Col>\n  \u003Cli>\u003Cstrong>Commission from insurers\u003C\u002Fstrong> – Typically agreed with each insurer \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Fees \u003C\u002Fstrong> – An admin or service fee that may be in addition to your premium cost \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>A combination of both\u003C\u002Fstrong> \u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cp>It’s worth remembering that a broker's payment often comes from the insurer, so this doesn’t mean your premium is higher and using a broker doesn’t necessarily mean you are paying more compared to buying direct. Brokers are often able to negotiate good rates with insurers because they bring them business. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n5c2aba3f_52f7_01ce_d6ee_1af7b06035a7\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What happens when it’s time to renew?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>About 30 days before your policy ends, your broker will contact you about renewal.  \u003C\u002Fp>\n\u003Cp>Many brokers don't just accept the renewal quote from your current insurer. They'll check their panel again to see what other quotes are on offer, especially if your premium has increased significantly.  \u003C\u002Fp>\n\u003Cp>This is exactly what we do at Bionic. \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Ftara-mitchell\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Tara Mitchell\u003C\u002Fa>, Insurance Technical Manager at Bionic, confirms:  “\u003Cem>When renewing with Bionic, we carry out a fresh search of our panel to find the best quotes available to you. You can then decide to switch or stay with your current insurer, depending on your preference.\u003C\u002Fem>” \u003C\u002Fp>\n\u003Cp>Read up on \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Ftop-things-to-consider-when-renewing-business-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">renewing your business insurance\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Preparing for renewal\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you’re approaching your renewal window (up to 30 days before your policy ends). You should update your broker on any business changes: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Changes in turnover or employee numbers \u003C\u002Fli>\n  \u003Cli>New business activities or locations \u003C\u002Fli>\n  \u003Cli>Claims made during the year \u003C\u002Fli>\n  \u003Cli>Any  changes to your sums insured \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Doing this ensures your cover still protects your business, and you aren’t left uninsured. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>When to switch insurers\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If your premium rises without an obvious reason, you can always ask your broker why.  \u003C\u002Fp>\n\u003Cp>Sometimes switching insurers at renewal can save money, but it’s not always a good idea to switch purely on price.  \u003C\u002Fp>\n\u003Cp>Consider checking eviews for insurers before you switch to a new one.  And if you’re happy with your current insurer and the annual premium increase isn't too bad, there is no harm in staying. Often, your broker can deal with the renewal for you. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>How does a broker help with claims?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>This really varies, depending on your broker. If you need to claim or have a claim made against you, some insurers will pass you directly over to your insurer. Others will deal with the process.  \u003C\u002Fp>\n\u003Cp>At Bionic, we don’t deal directly with claims, but we can give you any policy details you need and a contact number for your insurer. \u003C\u002Fp>\n\u003Cp>Read our \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbusiness-insurance-claim\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">step by step guide to claims\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>What you need to do when making a claim\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Contact your broker or insurer as soon as possible after an incident. They'll tell you exactly what to do next, but generally you'll need: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Photos and evidence of damage \u003C\u002Fli>\n  \u003Cli>Police or incident reports where relevant \u003C\u002Fli>\n  \u003Cli>Several repair quotes or invoices \u003C\u002Fli>\n  \u003Cli>Records of business interruption losses \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Remember to keep all receipts and correspondence, you'll need to provide the facts and evidence yourself. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"de398d25_e68a_01c3_3e4d_8ce889084e8f\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Common mistakes when working with a broker\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Avoid these pitfalls when working with a broker: \u003C\u002Fp>\n\u003Col>\n  \u003Cli>\u003Cstrong>Withholding information\u003C\u002Fstrong> – If your broker doesn't know about a risk, they can't get you covered for it. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Choosing on price alone\u003C\u002Fstrong> – The cheapest policy might not be the best, and leave you exposed when you claim. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Forgetting to update them\u003C\u002Fstrong> – Tell your broker when your business changes. If this is not reflected in your policy, you won’t be covered. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Missing renewal deadlines\u003C\u002Fstrong> – If your policy ends before you start a new one, you're uninsured. This can leave you liable for claims. Consider auto-renewals to prevent this. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Not reading policy documents\u003C\u002Fstrong> – We know no one likes reading the small print, but it’s a legal contract. Check the details match what you discussed. \u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"a85b6af0_1f75_015d_3086_c63af75f75ab\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Can I arrange other business services with a broker?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Some brokers can sort more than just business insurance. You might find you can arrange other utilities in a ‘one-stop shop’.. This could include:  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Business energy contract switching \u003C\u002Fli>\n  \u003Cli>Business VoIP and broadband comparisons \u003C\u002Fli>\n  \u003Cli>Business loans and commercial mortgages \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Sorting any of these, in addition to your insurance, can help save you the hassle of dealing with multiple brokers or suppliers, saving you time (and even money). \u003C\u002Fp>\n\u003Cp>Ask what your broker offers if you're ever interested. \u003C\u002Fp>\n\u003Cp>At Bionic, we can help you sort all the above. From finding your next energy deal, to sorting an upgraded broadband and VoIP system or arranging a commercial loan or mortgage. Get in touch today to find out more. \u003C\u002Fp>\n\u003Cp>Or read up on what else brokers like Bionic can offer you beyond insurance.  \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n429f82f1_db5f_0196_f5ec_4b1e512b890a\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Building a long-term relationship with your broker\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>As with any relationship, a good business and broker relationship is built over time. When you use the same broker and even speak to the same person, you build that trust. Your broker learns your business, anticipates your needs, and can become a trusted ‘go-to’. \u003C\u002Fp>\n\u003Cp>So, when your business changes, it’s a good idea to stay in regular contact with your broker to keep them updated, and this doesn’t just have to be at renewal. Always inform your broker about business changes, any expansions, or concerns you have about your cover. \u003C\u002Fp>\n\u003Cp>If your broker isn't meeting your expectations, speak to them about it to see if it can be resolved. If you still have issues, remember, you can always switch brokers. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>Getting started with a broker\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Ready to begin? Start by verifying potential brokers on the \u003Ca href=\"https:\u002F\u002Fregister.fca.org.uk\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">FCA Register,\u003C\u002Fa> once you’ve chosen one, gather all your business information, write down any questions you have and get in contact. \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Compare business insurance quotes\u003C\u002Fa> with Bionic today and start a quote online. Our UK-based, friendly brokers will be on-hand to talk you through your options and help arrange cover for you, with no hassle. \u003C\u002Fp>\n\u003Cp>Start a quote online now.\u003C\u002Fp>",{"name":908,"type":15,"value":909,"linkedItems":911},"Author",[910],"author___laura_court_jones",[],{"name":913,"type":15,"value":914,"linkedItems":916},"Reviewer",[915],"author___ollie_barrett",[],{"name":918,"type":919,"value":920,"displayTimeZone":921},"Publish Date","date_time","2025-12-11T09:03:00Z","Europe\u002FLondon",{"name":923,"type":919,"value":784,"displayTimeZone":921},"Updated Date",{"name":925,"type":11,"value":926},"URL","working-with-a-business-insurance-broker\u002F",{"name":928,"type":7,"value":929},"Meta title","Working with a business insurance broker: A step-by-step guide",{"name":931,"type":7,"value":932},"Meta description","Learn how to work with a business insurance broker in the UK. This step-by-step guide covers choosing a broker, getting quotes, renewals, and more. ",{"name":934,"type":935,"value":936},"Add no index tag","multiple_choice",[937],{"name":938,"codename":939},"No","no",{"name":941,"type":7,"value":942},"Canonical URL","https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fworking-with-a-business-insurance-broker\u002F",{"name":944,"type":15,"value":945,"linkedItems":946},"Related Articles",[],[],{"name":948,"type":15,"value":949,"linkedItems":951},"Categories",[950],"category___business_insurance_guide",[],{"name":953,"type":15,"value":954,"linkedItems":956},"Subfolder",[955],"insurance_subfolder___brokers",[],{"name":958,"type":15,"value":959,"linkedItems":960},"Tags",[],[],{"name":962,"type":23,"value":963},"Thumbnail Image",[964],{"name":965,"description":753,"type":295,"size":966,"url":755,"width":757,"height":756,"renditions":967},"Working with a broker (1).jpg",151029,{},{"name":969,"type":935,"value":970},"Show on index page",[971],{"name":972,"codename":973},"Yes","yes",{"name":975,"type":935,"value":976},"Hide Author",[977],{"name":938,"codename":939},{"name":979,"type":935,"value":980},"Hide Reviewer",[981],{"name":938,"codename":939},{"name":983,"type":935,"value":984},"Hide Tags",[985],{"name":972,"codename":973},{"codename":738,"collection":81,"id":987,"language":81,"lastModified":781,"name":988,"sitemapLocations":989,"type":990,"workflowStep":87,"workflow":81},"8068f267-7f83-462c-91e2-bd40727d3eb0","INSURANCE GUIDE - BROKERS - A step-by-step guide to working with a business insurance broker",[],"guide",{"elements":992,"system":1068},{"post__title":993,"post__summary":995,"post__content":997,"post__author":1016,"post__reviewer":1019,"publish_date":1023,"updated_date":1025,"url":1026,"seo__meta_title":1028,"seo__meta_description":1030,"seo__add_no_index_tag":1032,"seo__canonical_url":1035,"related_articles":1037,"categories":1040,"subfolder":1043,"tags":1046,"thumbnail_image":1050,"show_on_index_page":1056,"hide_author":1059,"hide_reviewer":1062,"hide_tags":1065},{"name":146,"type":7,"value":994},"First time buying business insurance with a broker? Q&A with Ollie Barrett",{"name":748,"type":7,"value":996},"Our Senior Technical Insurance Manager, Ollie Barrett, walks you through what to expect when arranging business insurance with a broker for the first time. Read now.",{"images":998,"linkedItemCodenames":1003,"linkedItems":1005,"links":1014,"name":905,"type":189,"value":1015},[999],{"description":1000,"imageId":1001,"url":1002,"height":756,"width":757},"Bionic branded graphic with text 'First time buying business insurance? Q&A features graphic with Ollie Barrett' with photo of Ollie, Senior Technical Insurance Manager at Bionic.","4dfceea9-885a-4230-b512-91eb60d47776","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F474910e0-7f29-4ad3-b6cd-0bac0a6f300d\u002FFirst%20time%20buying%20insurance%20%281%29.jpg",[1004],"n7f8b02bb_fecd_0199_f69e_f3c4c6fc88fa",[1006],{"elements":1007,"system":1010},{"sound_cloud_id":1008},{"name":777,"type":7,"value":1009},"2263550132",{"codename":1004,"collection":81,"id":1011,"language":81,"lastModified":1012,"name":1011,"sitemapLocations":1013,"type":783,"workflowStep":784,"workflow":784},"7f8b02bb-fecd-0199-f69e-f3c4c6fc88fa","2026-07-21T10:46:48.4898431Z",[],[],"\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n7f8b02bb_fecd_0199_f69e_f3c4c6fc88fa\">\u003C\u002Fobject>\n\u003Cp>Just set up your business and looking for the right insurance? If you've never arranged \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\">business insurance\u003C\u002Fa> before, you might be wondering what you need to do, and it’s always good to do some research on what to expect. \u003C\u002Fp>\n\u003Cp>Senior Technical Insurance Manager at Bionic, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Follie-barrett\u002F\">Ollie Barrett\u003C\u002Fa>, walks you through what to expect when arranging business insurance with a broker for the first-time. With answers to questions that keep coming up from small business customers, just like you. \u003C\u002Fp>\n\u003Cfigure data-asset-id=\"4dfceea9-885a-4230-b512-91eb60d47776\" data-image-id=\"4dfceea9-885a-4230-b512-91eb60d47776\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F474910e0-7f29-4ad3-b6cd-0bac0a6f300d\u002FFirst%20time%20buying%20insurance%20%281%29.jpg\" data-asset-id=\"4dfceea9-885a-4230-b512-91eb60d47776\" data-image-id=\"4dfceea9-885a-4230-b512-91eb60d47776\" alt=\"Bionic branded graphic with text 'First time buying business insurance? Q&A features graphic with Ollie Barrett' with photo of Ollie, Senior Technical Insurance Manager at Bionic.\">\u003C\u002Ffigure>\n\u003Cp>\u003Cstrong>Five-point summary:\u003C\u002Fstrong> \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Assessing cover level:\u003C\u002Fstrong> Business owners should regularly calculate the value of their contents and ensure insurance coverage matches current replacement costs. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Determining public liability:\u003C\u002Fstrong> The right amount of public liability insurance depends on your business’s specific risks, industry requirements, and what you can afford. Some sectors may have council-imposed minimums.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Common underinsurance gaps:\u003C\u002Fstrong> Many SMEs are underinsured due to outdated property valuations. It’s important to distinguish between purchase price and reinstatement cost. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Broker vs. direct purchase:\u003C\u002Fstrong> Brokers can arrange cover to your business’s needs and ask the right questions, whereas buying online may miss important details. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Switching and claims history:\u003C\u002Fstrong> Changing insurers is possible even with previous claims, but insurers will consider your claims history and what steps you’ve taken to mitigate risks.  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>How do I figure out the right levels of cover for the value of my contents? \u003C\u002Fh2>\n\u003Cp>When it comes to contents, you should check how much the value of your contents is worth. If you’re just starting up, you should have invoices to refer to. But even a year in, you should recalculate the value of your contents, because the cost of replacing items increases each year. \u003C\u002Fp>\n\u003Cp>For example, if you own a cafe, you should consider the value of your contents. This includes things like tables, chairs, cookers and other equipment. Remember, your insurance policy is designed to put you back in the position you were prior to the claim, so that value needs to be enough to allow you to replace all your contents, if they all got stolen, taken or burnt in a fire – for example. \u003C\u002Fp>\n\u003Cp>And you should keep up to date with this. If you set up a cafe 20 years ago, check the value of the contents in your business today, and the cost to replace items – this may differ greatly. \u003C\u002Fp>\n\u003Ch2>How do I figure out the right level of public liability? \u003C\u002Fh2>\n\u003Cp>When it comes to \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fpublic-liability-insurance\u002F\">public liability\u003C\u002Fa>, the ‘right’ amount of cover depends on the risks you face. You need to assess your own business risks and estimate potential claim costs.  For some businesses, public liability between £1-2 million might be enough, for some 5 million might suffice, or you might even need £10 million or more if you’re a large business. \u003C\u002Fp>\n\u003Cp>You should also consider how much you can afford to pay for your insurance cover, and any requirements that are specific to your industry. \u003C\u002Fp>\n\u003Cp>For example, if you are in hospitality and have a pavement license to serve customers outside, then you may have a council requirement to have public liability up to £5 million. \u003C\u002Fp>\n\u003Cp>It’s worth bearing in mind that if you have a disaster that means you need to pay more than the limit in your policy, you'll need to cover that additional cost yourself. \u003C\u002Fp>\n\u003Cp>To sum it up, you need to know the individual risks and costs you might face, a broker \u003Cem>can’t \u003C\u002Fem>directly advise you on this. \u003C\u002Fp>\n\u003Ch2>What’s the biggest cover gap you typically see that leaves SMEs underinsured?  \u003C\u002Fh2>\n\u003Cp>We often notice small business owners aren’t up to date with evaluations. Do you know the value of your building? And the cost of repairs if it were to burn down tomorrow? When taking out \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fcommercial-property\u002F\">building insurance\u003C\u002Fa>, many insurers expect to see a valuation every two years, but repair costs may increase yearly. \u003C\u002Fp>\n\u003Cp>What’s key to remember is that the purchase price of your building vs its reinstatement costs are different. Reinstatement costs are costs to put it back to its state before a disaster. \u003C\u002Fp>\n\u003Cp>And it often isn't the building valuation that increases the most – it's actually the cost of labour to rebuild a property. It could increase up 30% or 40% per year. \u003C\u002Fp>\n\u003Cp>For example, if you paid half a million for your building, and insured it for half a million, the reinstatement cost of that building might be £1,000,000, in which case you're underinsured 50% and could be left to pay the rest of the costs yourself.  This is where the average clause comes in. \u003C\u002Fp>\n\u003Cp>The average clause often means you won’t get a full payout because you are underinsured. It informs insurers so they can adjust how much they pay out in line with how much you’re underinsured. \u003C\u002Fp>\n\u003Cp>To avoid this, consider getting a reinstatement survey done every two years and speak to your insurer if you have any questions on claims. \u003C\u002Fp>\n\u003Ch2>What’s the advantage of buying through a broker versus buying online directly? \u003C\u002Fh2>\n\u003Cp>For some businesses, \u003Cem>you can’t \u003C\u002Fem>buy commercial insurance directly from an insurer. And in instances where \u003Cem>you can\u003C\u002Fem> buy it solely online, you are unlikely to get it suited to your exact needs without speaking to someone.  \u003C\u002Fp>\n\u003Cp>When you speak to a broker on the phone, they can ask specific questions about your businesses and you have the chance to ask about cover, so you’re properly covered. Small details that can be missed through online forms can make a big difference when it comes to cover. \u003C\u002Fp>\n\u003Cp>Learn more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fbroker-vs-direct-insurer-which-is-better\u002F\">business insurance brokers vs going directly to an insurer\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch2>If I switched insurers, would my claims history make it harder or more expensive to get cover?  \u003C\u002Fh2>\n\u003Cp>This really depends on the insurer. Underwriters will have different ‘underwriting appetites’. Basically, this means they have different terms, conditions and exclusions in their policies.   \u003C\u002Fp>\n\u003Cp>If you have a previous claim, insurers may ask what you have done since to stop that claim from happening again. This can be a positive factor in their decision. \u003C\u002Fp>\n\u003Cp>If you run a nightclub, and you’ve had two claims from people slipping on the dance floor, an insurer may view you in a more positive light if you take steps to prevent that from happening again. If you replace the dancefloor with a non-slip floor, the underwriter may feel you are unlikely to claim for slips and take a more positive view than if you didn’t replace the floor. \u003C\u002Fp>\n\u003Cp>No one should fear moving insurer because they've had a claim. Sometimes it's harder when there's a claim ongoing, but if the claim has been settled, it's generally easier to look around. \u003C\u002Fp>\n\u003Ch3>Can I still change insurers if I have lots of previous claims? \u003C\u002Fh3>\n\u003Cp>You can, but you should consider insurer appetite.  \u003C\u002Fp>\n\u003Cp>You’ve got both ends of the scale - the big public liability claims where someone has really hurt themselves, and the smaller claims that could happen multiple times a year, like break-ins.  \u003C\u002Fp>\n\u003Cp>If you claim a lot, then insurers may view this in a negative light, but that doesn’t mean you can’t get insured in most cases. \u003C\u002Fp>\n\u003Ch3>What if I have no claims? \u003C\u002Fh3>\n\u003Cp>If you’re a relatively new business and don’t have any claims, this is a good thing and could demonstrate good risk management practices. On the other hand, insurers do have a good idea of the likelihood of claims. So, underwriters may decide on the pricing for your risk based on other similar businesses. \u003C\u002Fp>\n\u003Ch2>If I decide to change insurers, do I need to give notice to my current provider?  \u003C\u002Fh2>\n\u003Cp>You don't need to give notice to your insurer as such. But if you are dealing with them directly and want to move, you need to tell your insurer you will not be renewing. \u003C\u002Fp>\n\u003Cp>If you’re dealing with a broker and you don’t want to renew, you need to tell them as part of consumer duty. You don't need to give them a month's notice - you just need to tell them to lapse the policy, and that you're going somewhere else. \u003C\u002Fp>\n\u003Cp>Learn more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Ftop-things-to-consider-when-renewing-business-insurance\u002F\">business insurance renewals.\u003C\u002Fa> \u003C\u002Fp>\n\u003Ch2>How do I make sure I'm not overpaying if I stay with the same insurer? \u003C\u002Fh2>\n\u003Cp>The best thing to do is \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fworking-with-a-business-insurance-broker\u002F\">work with your broker\u003C\u002Fa> to ensure you're getting the most competitive terms available. This may mean seeing if they can search the market again for you at renewal. \u003C\u002Fp>\n\u003Ch2>Getting started with bionic \u003C\u002Fh2>\n\u003Cp>Sorting out business insurance for the first time can feel like another thing on an already overwhelming to-do list. But luckily, Ollie and Tara’s UK-based broker team are on hand to talk you through your options. \u003C\u002Fp>\n\u003Cp>Get in touch with us today. Start a quote online.\u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>",{"name":908,"type":15,"value":1017,"linkedItems":1018},[915],[],{"name":913,"type":15,"value":1020,"linkedItems":1022},[1021],"untitled_content_item_d332501",[],{"name":918,"type":919,"value":1024,"displayTimeZone":921},"2026-01-30T09:00:00Z",{"name":923,"type":919,"value":784,"displayTimeZone":921},{"name":925,"type":11,"value":1027},"first-time-buying-business-insurance-qa-ollie-barrett\u002F",{"name":928,"type":7,"value":1029},"First time buying business insurance? Q&A with Ollie Barrett",{"name":931,"type":7,"value":1031},"First-time business insurance buyer? Ollie Barrett trains and oversees our brokers so knows everything there is to know about buying insurance as a first time SME.",{"name":934,"type":935,"value":1033},[1034],{"name":938,"codename":939},{"name":941,"type":7,"value":1036},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Ffirst-time-buying-business-insurance-qa-ollie-barrett\u002F",{"name":944,"type":15,"value":1038,"linkedItems":1039},[],[],{"name":948,"type":15,"value":1041,"linkedItems":1042},[950],[],{"name":953,"type":15,"value":1044,"linkedItems":1045},[955],[],{"name":958,"type":15,"value":1047,"linkedItems":1049},[1048],"tag___business_insurance",[],{"name":962,"type":23,"value":1051},[1052],{"name":1053,"description":1000,"type":295,"size":1054,"url":1002,"width":757,"height":756,"renditions":1055},"First time buying insurance (1).jpg",129390,{},{"name":969,"type":935,"value":1057},[1058],{"name":972,"codename":973},{"name":975,"type":935,"value":1060},[1061],{"name":938,"codename":939},{"name":979,"type":935,"value":1063},[1064],{"name":938,"codename":939},{"name":983,"type":935,"value":1066},[1067],{"name":972,"codename":973},{"codename":739,"collection":81,"id":1069,"language":81,"lastModified":1012,"name":1070,"sitemapLocations":1071,"type":990,"workflowStep":87,"workflow":81},"02c513ee-e2a6-43f3-8569-69b1abb2b6b5","INSURANCE GUIDE - BROKERS - Buying insurance for the first time? Q&A with Ollie Barrett",[],{"elements":1073,"system":1248},{"post__title":1074,"post__summary":1076,"post__content":1078,"post__author":1199,"post__reviewer":1202,"publish_date":1205,"updated_date":1207,"url":1208,"seo__meta_title":1210,"seo__meta_description":1211,"seo__add_no_index_tag":1213,"seo__canonical_url":1216,"related_articles":1218,"categories":1221,"subfolder":1224,"tags":1227,"thumbnail_image":1230,"show_on_index_page":1236,"hide_author":1239,"hide_reviewer":1242,"hide_tags":1245},{"name":146,"type":7,"value":1075},"What happens if you're refused business insurance?",{"name":748,"type":7,"value":1077},"What happens if you’ve tried to get insurance and you’ve been refused? There are many reasons why your insurer might reject you — from previous claims to insufficient documentation. Find out what you should do next in this guide.",{"images":1079,"linkedItemCodenames":1084,"linkedItems":1096,"links":1197,"name":905,"type":189,"value":1198},[1080],{"description":1081,"imageId":1082,"url":1083,"height":756,"width":757},"Bionic graphic with text 'what to do if you're refused business insurance' with a male on the left-hand side and female on the right hand side both looking frustrated. There is a red cross in the middle of the graphic.","f14e7f28-c564-4ddd-aeb3-329a063c2fdb","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F796d6dec-e845-4bdb-b011-bc259e6916f2\u002FRefused%20business%20insurance%20%281%29%20%281%29.png",[1085,1086,1087,1088,1089,1090,1091,1092,1093,1094,1095],"n87350a46_bde5_0110_9914_3d8ec803a60a","n891327f1_0d61_0179_7b90_c15e62396944","n2d735484_6c2b_015d_3708_6a0f6c8a6d6c","bf4538a2_69e7_0126_3a7b_0cab37da6af5","n472a25e2_0528_01f9_a866_4e6daf803016","n287077e3_89d7_017f_75fa_91a351c2f815","n7eed2ed6_9377_011a_7cdf_9ad6c7e73486","n0143cde0_99e0_01c5_f2aa_88d3378f4d34","n462ee1c5_b722_0116_d356_d206cc2733b0","n9b116775_3b0d_014c_3fa6_ef26b291ee43","d335edc7_1799_01ed_af94_e916ba4bc770",[1097,1107,1116,1125,1134,1143,1152,1161,1170,1179,1188],{"elements":1098,"system":1103},{"text":1099,"anchor_id":1101},{"name":188,"type":7,"value":1100},"Why was my business insurance refused?",{"name":799,"type":7,"value":1102},"why-was-my-business-insurance-refused",{"codename":1085,"collection":81,"id":1104,"language":81,"lastModified":1105,"name":1104,"sitemapLocations":1106,"type":804,"workflowStep":784,"workflow":784},"87350a46-bde5-0110-9914-3d8ec803a60a","2025-09-12T14:31:02.9971327Z",[],{"elements":1108,"system":1113},{"text":1109,"anchor_id":1111},{"name":188,"type":7,"value":1110},"What should you do if you can’t get an insurance quote?",{"name":799,"type":7,"value":1112},"what-should-you-do-if-you-cant-get-an-insurance-quote",{"codename":1086,"collection":81,"id":1114,"language":81,"lastModified":1105,"name":1114,"sitemapLocations":1115,"type":804,"workflowStep":784,"workflow":784},"891327f1-0d61-0179-7b90-c15e62396944",[],{"elements":1117,"system":1122},{"text":1118,"anchor_id":1120},{"name":188,"type":7,"value":1119},"Will getting rejected affect future attempts to get insurance?",{"name":799,"type":7,"value":1121},"will-getting-rejected-affect-future-attempts-to-get-insurance",{"codename":1087,"collection":81,"id":1123,"language":81,"lastModified":1105,"name":1123,"sitemapLocations":1124,"type":804,"workflowStep":784,"workflow":784},"2d735484-6c2b-015d-3708-6a0f6c8a6d6c",[],{"elements":1126,"system":1131},{"text":1127,"anchor_id":1129},{"name":188,"type":7,"value":1128},"If I can’t get a quote, will this affect my ability to operate legally",{"name":799,"type":7,"value":1130},"If-i-cant-get-a-quote-will-this-affect-my-ability-to-operate-legally",{"codename":1088,"collection":81,"id":1132,"language":81,"lastModified":1105,"name":1132,"sitemapLocations":1133,"type":804,"workflowStep":784,"workflow":784},"bf4538a2-69e7-0126-3a7b-0cab37da6af5",[],{"elements":1135,"system":1140},{"text":1136,"anchor_id":1138},{"name":188,"type":7,"value":1137},"How can I find alternative insurance providers?",{"name":799,"type":7,"value":1139},"how-can-i-find-alternative-insurance-providers",{"codename":1089,"collection":81,"id":1141,"language":81,"lastModified":1105,"name":1141,"sitemapLocations":1142,"type":804,"workflowStep":784,"workflow":784},"472a25e2-0528-01f9-a866-4e6daf803016",[],{"elements":1144,"system":1149},{"text":1145,"anchor_id":1147},{"name":188,"type":7,"value":1146},"If I can't get a quote, will this affect applying for insurance in the future? ",{"name":799,"type":7,"value":1148},"if-i-cant-get-a-quote-will-this-affect-applying-for-insurance-in-the-future",{"codename":1090,"collection":81,"id":1150,"language":81,"lastModified":1105,"name":1150,"sitemapLocations":1151,"type":804,"workflowStep":784,"workflow":784},"287077e3-89d7-017f-75fa-91a351c2f815",[],{"elements":1153,"system":1158},{"text":1154,"anchor_id":1156},{"name":188,"type":7,"value":1155},"What if I’ve had claims denied in the past?",{"name":799,"type":7,"value":1157},"what-if-iv- had-claims-denied-in-the-past",{"codename":1091,"collection":81,"id":1159,"language":81,"lastModified":1105,"name":1159,"sitemapLocations":1160,"type":804,"workflowStep":784,"workflow":784},"7eed2ed6-9377-011a-7cdf-9ad6c7e73486",[],{"elements":1162,"system":1167},{"text":1163,"anchor_id":1165},{"name":188,"type":7,"value":1164},"How can I prevent my insurance from being refused in the future?",{"name":799,"type":7,"value":1166},"how-can-i-prevent-my-insurance-from-being-refused-in-the-future",{"codename":1092,"collection":81,"id":1168,"language":81,"lastModified":1105,"name":1168,"sitemapLocations":1169,"type":804,"workflowStep":784,"workflow":784},"0143cde0-99e0-01c5-f2aa-88d3378f4d34",[],{"elements":1171,"system":1176},{"text":1172,"anchor_id":1174},{"name":188,"type":7,"value":1173},"Specific guidance for high-risk businesses",{"name":799,"type":7,"value":1175},"specific-guidance-for-high-risk-businesses",{"codename":1093,"collection":81,"id":1177,"language":81,"lastModified":1105,"name":1177,"sitemapLocations":1178,"type":804,"workflowStep":784,"workflow":784},"462ee1c5-b722-0116-d356-d206cc2733b0",[],{"elements":1180,"system":1185},{"text":1181,"anchor_id":1183},{"name":188,"type":7,"value":1182},"Can I make a complaint if I’ve been refused an insurance quote?",{"name":799,"type":7,"value":1184},"can-i-make-a-complaint-if-i-ve-been-refused-an-insurance-quote",{"codename":1094,"collection":81,"id":1186,"language":81,"lastModified":1105,"name":1186,"sitemapLocations":1187,"type":804,"workflowStep":784,"workflow":784},"9b116775-3b0d-014c-3fa6-ef26b291ee43",[],{"elements":1189,"system":1194},{"text":1190,"anchor_id":1192},{"name":188,"type":7,"value":1191},"What do I need to consider if I can't get a quote and I operate internationally?",{"name":799,"type":7,"value":1193},"what-do-i-need-to-consider-if-i-cant-get-a-quote-and-i-operate-internationally",{"codename":1095,"collection":81,"id":1195,"language":81,"lastModified":1105,"name":1195,"sitemapLocations":1196,"type":804,"workflowStep":784,"workflow":784},"d335edc7-1799-01ed-af94-e916ba4bc770",[],[],"\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.policybee.co.uk\u002Fblog\u002Fbusiness-insurance-statistics\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">44% of UK SMEs are operating without insurance\u003C\u002Fa> — that’s a lot of businesses putting themselves at risk. But what happens if you’ve tried to get insurance and you’ve been refused a quote? No one wants that hassle.  \u003C\u002Fp>\n\u003Cp>In this guide, we talk through why you could be refused insurance and give detailed steps on what you should try next to sort out cover.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"f14e7f28-c564-4ddd-aeb3-329a063c2fdb\" data-image-id=\"f14e7f28-c564-4ddd-aeb3-329a063c2fdb\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F796d6dec-e845-4bdb-b011-bc259e6916f2\u002FRefused%20business%20insurance%20%281%29%20%281%29.png\" data-asset-id=\"f14e7f28-c564-4ddd-aeb3-329a063c2fdb\" data-image-id=\"f14e7f28-c564-4ddd-aeb3-329a063c2fdb\" alt=\"Bionic graphic with text 'what to do if you're refused business insurance' with a male on the left-hand side and female on the right hand side both looking frustrated. There is a red cross in the middle of the graphic.\">\u003C\u002Ffigure>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n87350a46_bde5_0110_9914_3d8ec803a60a\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Why was my business insurance refused?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Insurers can look at multiple risk factors when deciding whether to insure you. From previously rejected claims to the insurer simply not specialising in your industry – there can be many reasons why it could happen.  Some more complex or high-risk businesses may need to be looked at by a specialist broker to get insured. It can also vary by industry. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Many previous claims\u003C\u002Fstrong>  \u003C\u002Fh3>\n\u003Cp>If you’ve had a previous claim rejected and your policy voided, or your insurer has refused to offer you a renewal quote, then your new insurer might also reject your cover request. \u003C\u002Fp>\n\u003Cp>Similarly, if you have a history of claims made for or against you, you could be considered high risk and not all insurers may be willing to take you on. Insurers' appetite for risks are different, this could be down to your trade, business activities or location or any number of factors. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Financial instability\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you have a poor credit rating, any recent bankruptcies, or County Court Judgements (CCJs), this could make insurers wary as it could indicate you may have issues paying your premium. \u003C\u002Fp>\n\u003Cp>For example, when a company loses clients that account for 50% of its revenue, it could become financially unstable. Insurers might not be willing to take on a company with that much risk involved. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Uninsurable risks\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>An uninsurable risk is what the name suggests — it’s a condition where the risk is considered too large or unlawful for most insurers to cover. In theory, there isn’t anything that cannot be insured – but it’s about finding the right broker that is willing to cover the risk.  \u003C\u002Fp>\n\u003Cp>Insurers don’t take risks like this lightly, and they are not always simple decisions to make.  \u003C\u002Fp>\n\u003Cp>What one insurer deems as too risky, another insurer might be okay with in certain conditions, so there isn’t a one-size-fits-all list. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>High risk\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Some businesses are naturally high risk —  like a fireworks factory or construction workers who work with dangerous machinery. For these businesses, certain “high risk” policies can sometimes be taken as an add-on. \u003C\u002Fp>\n\u003Cp>In some cases, your business may be considered \u003Cem>too high-risk\u003C\u002Fem> for some insurers. For example, working in a factory with unregulated chemicals could cause your insurance cover to be refused when looking to get a quote. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Lack of information or proper documentation\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>For insurance providers to underwrite your business, they need lots of information about your business. This can include details of trading, annual turnover, employees and claims history. If any of this information is incorrect or not provided, your cover could be delayed or refused.  \u003C\u002Fp>\n\u003Cp>It’s best to gather all your documents before you go ahead and get a new quote. Brokers are likely to ask you to provide these documents so they can pass them on to your chosen provider. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Not complying with safety regulations\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If your business is involved in a claim due to not following safety regulations such as \u003Ca href=\"https:\u002F\u002Fwww.legislation.gov.uk\u002Fukpga\u002F1974\u002F37\u002Fcontents\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">The Health and Safety at Work Act 1974\u003C\u002Fa> and \u003Ca href=\"https:\u002F\u002Fwww.legislation.gov.uk\u002Fukpga\u002F1990\u002F16\u002Fcontents\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Food Safety Act 1990\u003C\u002Fa>, your existing policy could be invalidated.  \u003C\u002Fp>\n\u003Cp>Even worse, you could be refused cover in the future, and those \u003Cem>that do offer\u003C\u002Fem> insurance might charge a higher premium.  \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Fraudulent activity or misrepresentation\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you have a record of fraudulent activity or your business has been investigated for insurance fraud, then it’s likely to hurt your chances of being accepted.  \u003C\u002Fp>\n\u003Cp>Even innocent misrepresentation can cause issues. This is where you accidentally enter the wrong information about your business when applying for insurance. For example, guessing you have a concrete roof, when actually it’s made from timber, could mean your policy is void when you come to claim. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Lack of knowledge\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If your insurer doesn’t specialise in your business niche, they could refuse your insurance cover. But that doesn’t mean you can’t get insured, sometimes it’s just not the right fit. If this happens, it’s best to get in touch with someone who can help you find the right insurer — like a broker or the \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">business insurance\u003C\u002Fa> team at Bionic. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Unsuitable roofing\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If your building has an unsuitable roof – like one made with felt and timber, some insurers may decide not to insure you. Without a sturdy, concrete roof, you may be deemed more susceptible to damages \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fprepare-your-business-for-storms-floods-and-bad-weather\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">from storms and bad weather\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Industry specific reasons\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>Construction or \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Ftrade-tradesman\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">trades\u003C\u002Fa> using hazardous materials may be deemed riskier by insurers \u003C\u002Fli>\n  \u003Cli>Takeaways, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fcafe-coffee-shops\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">cafes\u003C\u002Fa> and other \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Ffood-business\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">food businesses\u003C\u002Fa> without a Food Standard Agency rating of 3 or above (or pass in Scotland) may not be able to get a quote from some insurers. However, this doesn’t mean you can’t get a quote entirely, but your choice of insurer may be limited. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Your history as the company director\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>As the company director, your personal financial history could directly affect your eligibility when it comes to getting insured. Bankruptcy, individual voluntary arrangements (IVAs), or being in debt could result in being unable to get a quote from insurers, even when the business's finances appear pretty stable. \u003C\u002Fp>\n\u003Cp>If you have any criminal convictions, especially involving fraud or dishonesty, this could make it even more complicated. But, there may be some specialist insurers that work with businesses facing these challenges, so it may not mean you're completely uninsurable.  \u003C\u002Fp>\n\u003Cp>At Bionic, if you have any criminal convictions, CCJs or bankruptcies, we may still be able to help find a solution for you.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n891327f1_0d61_0179_7b90_c15e62396944\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What should you do if you can’t get an insurance quote?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>If you’ve tried to sort your business insurance but you can't get a quote or cover due to your trade, sums insured, or it’s deemed too risky. Here’s what you should do next: \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Request a detailed explanation\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Knowing the reasons why your insurance quote was denied will help when it comes to reapplying elsewhere. In some cases, the broker and insurer may feel they just can’t offer you proper cover. \u003C\u002Fp>\n\u003Cp>Tara Mitchell – \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Ftara-mitchell\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Insurance Technical Manager\u003C\u002Fa> states - \u003Cem>“It can be distressing if you can’t get an insurance quote, especially if you’re operating without cover while you sort it out. Know you are within your right to ask your insurance provider for an explanation of why your insurance was denied when you tried to get a quote. You can request a written answer, and your insurer should send one. This can help you put any issues right, or find an alternative provider”\u003C\u002Fem> \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Consider alternative insurance providers\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you’re not having much luck, it might be time to explore other options. Some insurers may approach risk assessment differently, or you could even find an insurance provider through a broker that specialises in your business area. \u003C\u002Fp>\n\u003Cp>At Bionic, we can help to insure businesses of all sizes in trades, retail, manufacturing, hospitality and much more. Get in touch with our insurance team today by starting a quote in the right-hand bar to get started. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n2d735484_6c2b_015d_3708_6a0f6c8a6d6c\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Will getting rejected affect future attempts to get insurance?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>This depends on your situation and the reasons why you couldn’t get a quote in the first place. \u003C\u002Fp>\n\u003Cp>But one thing is for sure, when going through the process of getting a quote with a broker, you have to answer questions truthfully and to the best of your knowledge.  \u003C\u002Fp>\n\u003Cp>If you can’t get a quote, sometimes it’s down to sums insured, trade or risk but if they ask about any previously denied claims, you need to give them an honest answer. Ultimately, it’s then up to the insurer whether they decide to offer you cover, and it’s in their right to refuse. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"bf4538a2_69e7_0126_3a7b_0cab37da6af5\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>If I can’t get a quote, will this affect my ability to operate legally?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>This depends. Two types of business insurance are legally required in some circumstances: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Employers’ liability insurance - if you have one or more employees. If you can’t get this insurance, you won’t be able to operate legally. \u003C\u002Fli>\n  \u003Cli>Business motor insurance -  Your motor insurer will need to be informed if you use your vehicle for business purposes. If you have a van for business, it is a legal requirement to purchase motor insurance. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>At Bionic, unfortunately, we can’t cover you for business motor insurance. \u003C\u002Fp>\n\u003Cp>\u003Cem>Imagine you own a takeaway that delivers using vehicles, then you may need a policy that includes occasional business use, if using employee vehicles to deliver or collect. If you’re unable to get a quote for business motor insurance. Then, in this case, you won’t be able to operate legally, and if you still go ahead, you won’t be covered for accidents, or liabilities which could put you at risk of hefty legal costs and damages. Not to mention, you might get yourself and your business in trouble with the law.\u003C\u002Fem> \u003C\u002Fp>\n\u003Cp>\u003Cem>But, you can get \u003C\u002Fem>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Ftakeaway\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">\u003Cem>takeaway insurance\u003C\u002Fem>\u003C\u002Fa>\u003Cem> for your premises and the vehicles you operate separately from different insurers. If one insurer can’t help you cover both the vehicles you have and your business premises, then it is possible to secure these covers with different providers to give you the legal protection and peace of mind you need.\u003C\u002Fem> \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n472a25e2_0528_01f9_a866_4e6daf803016\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How can I find alternative insurance providers?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>It’s not always the end of the world if you can't get a quote in the first place. There are other options, like speaking to a broker to explore alternative insurers. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Speak to a broker first\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Experienced insurance brokers offer advantages over going direct to insurers. They normally have access to a broad selection of insurers for different business types. They can present options available to you, saving you time and hassle. \u003C\u002Fp>\n\u003Cp>They could potentially speak to insurers about your specific situation, explain the circumstances that led to previous quote refusals, and come back with your options. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Specialist high-risk insurers\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Some brokers work with insurers who specialise in difficult-to-place risks or specific high-risk sectors – like construction. These providers understand risky industries and can often offer cover that general business insurers won't consider. \u003C\u002Fp>\n\u003Cp>They tend to also look at risks differently and may offer cover with modified terms instead of refusing completely. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Niche insurance providers\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>You may need to go down the specific industry route, where you opt for an insurer that has specific experience in your niche. These providers may understand your business type better than national companies and could offer more flexible options for cover. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n287077e3_89d7_017f_75fa_91a351c2f815\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>If I can't get a quote, will this affect applying for insurance in the future?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>It’s possible that when you’ve been refused cover in the past, it could affect future quotability. But it doesn’t always mean you are uninsurable if handled correctly. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n7eed2ed6_9377_011a_7cdf_9ad6c7e73486\">\u003C\u002Fobject>\n\u003Ch2>What if I’ve had claims denied in the past? \u003C\u002Fh2>\n\u003Cp>If you’ve had previous claims refused, it could be for non-compliance with a condition, and may therefore result in additional terms, conditions or exclusions being applied to the policy. But you may be able to demonstrate an improvement to your risk profile with relevant risk management in place.  \u003C\u002Fp>\n\u003Cp>For example, you take steps to reduce the risks that caused the refusal in the first place like better health and safety procedures or property maintenance.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n0143cde0_99e0_01c5_f2aa_88d3378f4d34\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How can I prevent my insurance from being refused in the future?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>If you take steps to reduce risks within your business, then you may find things are more straightforward when it comes to arranging your next business insurance policy. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Risk management best practices\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>Make sure you have professionally written health and safety policies relevant to your specific business activities. Always carry out regular risk assessments, keep staff trained and \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fworkplace-accident-employer-responsibilities\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">report any accidents or injuries\u003C\u002Fa> using the RIDDOR framework. Clearly document that you take risk reducing measures seriously. \u003C\u002Fli>\n  \u003Cli>When it comes to your building, make sure you have proper security measures in place, including burglar alarms, CCTV systems, and secure storage for valuable \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fbusiness-equipment-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">equipment\u003C\u002Fa> or stock. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Make sure your business is financially stable\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>It’s really important to keep your books in order, especially if you’ve had financial issues in the past. Always pay suppliers on time and keep some cash reserves. It’s good to know that some insurers may work with your credit score and, therefore, good credit ratings can potentially improve your attractiveness to insurers. \u003C\u002Fli>\n  \u003Cli>If you’re books aren’t accurate and you need to improve them, consider working with a qualified accountant to improve financial reporting and demonstrate business stability.  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Comply with safety regulations\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>As mentioned earlier – proper health and safety is really important to follow, especially if you are in the hospitality business – like a pub or restaurant.  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Read up on health and safety requirements specific to your business niche. Not following procedures could create extra risks that insurers want to avoid. \u003C\u002Fli>\n  \u003Cli>As well as procedures, make sure you have the right \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbusiness-licences\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">business licences\u003C\u002Fa> to run your business or have memberships to professional bodies relevant to your industry – like those for accountants. Having these in place demonstrates you hold professional standards and show a commitment to following best practices. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Document and keep detailed records\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>Keep detailed records of all business operations, safety measures, and improvements you’ve made to reduce risks. This documentation supports future applications and demonstrates professional management. \u003C\u002Fli>\n  \u003Cli>Include staff training records, equipment maintenance schedules, and any professional advice you've taken on board. Well-documented businesses can appear more professional, and it may even help lower you’re premium.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n462ee1c5_b722_0116_d356_d206cc2733b0\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Specific guidance for high-risk businesses\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Whether you run a kebab shop or a bridal shop - different industries face unique challenges when looking for insurance after being refused a quote, so looking at specific guidance can be helpful. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Construction and trades\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Construction businesses naturally run into lots of risks, due to the increased risk of accidents from working at heights and with dangerous machinery.  If this is you – listen up. \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Always take health and safety management seriously by carrying out regular risk assessments, training staff to high standards and ensuring you have the right PPE – Personal Protective Equipment like safety footwear, helmets and gloves. \u003C\u002Fli>\n  \u003Cli>Have emergency response plans in place in case the worst happens, with clear evacuation routes – this can go a long way in showing insurers you are reducing the risk of injury. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Hospitality and food business cover\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>Conduct regular risk assessments to make sure you and your staff know all the risks that could happen. This includes things like trips, spills and fires  \u003C\u002Fli>\n  \u003Cli>It goes without saying that you should ensure proper food safety and maintain excellent hygiene ratings to keep customers safe \u003C\u002Fli>\n  \u003Cli>Document your staff training programmes, make sure you label allergens, and keep your equipment maintained. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Professional services protection\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Businesses that fall under professional services often need professional indemnity insurance – if this is you, read on. \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Make sure you keep detailed client records, especially contractual terms. \u003C\u002Fli>\n  \u003Cli>Keep any professional development records and proof of professional body memberships. This can show insurers that you operate your business professionally and are taking steps to reduce liability risks. \u003C\u002Fli>\n  \u003Cli>If you can’t get indemnity cover with your broker and you need it to practice, then look into specialist professional risks insurers who may be able to help further \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n9b116775_3b0d_014c_3fa6_ef26b291ee43\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Can I make a complaint if I’ve been refused an insurance quote?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Even if you think you should complain, it might be a better idea to try a different broker to try to find insurance elsewhere. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Speak to another broker\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Often, brokers have a select panel of insurers they work with, so a different broker may have a different panel to choose from.  \u003C\u002Fp>\n\u003Cp>If you have tried getting a quote with us at Bionic, you can find another broker through BIBA (\u003Ca href=\"https:\u002F\u002Fwww.biba.org.uk\u002Ffind-insurance\u002Fcommercial-commercial-business\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">British Insurer’s Brokers Association.\u003C\u002Fa>) \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"d335edc7_1799_01ed_af94_e916ba4bc770\">\u003C\u002Fobject>\n\u003Ch3>\u003Cstrong>What do I need to consider if I can't get a quote and I operate internationally?\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you’ve been refused commercial insurance and you operate overseas, then this can be even more complicated to find cover. Here’s what you can do:  \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Find cross-border business coverage\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>Not all standard UK brokers offer cross-border coverage – this is insurance cover if you run your business overseas, even partly. \u003C\u002Fli>\n  \u003Cli>This type of cover is often offered by specialist insurers that operate in international markets. They often understand different legalities and risks associated in different countries. \u003C\u002Fli>\n  \u003Cli>So, if you find your business has been refused cover, and you operate overseas – then you might not be at fault. Instead, the insurer you are using may not be right for your business needs. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>At Bionic, we can help insure you if you are a UK based company and export or important goods, but we cannot insure global operations that are not UK based. Get it touch with us today for more support. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Look into export credit insurance\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you’re a small business exporting goods or services overseas you may need export credit insurance to protect against customers or suppliers not paying you. This is a specialist cover and requires experienced insurers who are familiar with international trade risks.  There is also a UK credit risk. \u003C\u002Fp>\n\u003Cp>Again, not all brokers will offer this type of insurance so you might not be able to get a quote, simply because they can’t offer it.  \u003C\u002Fp>\n\u003Cp>At Bionic, unfortunately, we are unable to offer export credit insurance for your business.  \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>How Bionic can help\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>If you can’t get an insurance quote and you don’t know why – don't fret – it may not even be your fault. The first thing to do is to find out why, and then look for alternative solutions. Sometimes this may mean trying another broker who is more suitable, or tightening up the way you run your business to demonstrate better risk management.  \u003C\u002Fp>\n\u003Cp>If you need help sorting out a new insurance provider. Get in touch with the team at Bionic who can help sort your business essentials, including \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">business insurance\u003C\u002Fa>, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">business energy\u003C\u002Fa> and \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">phone and broadband\u003C\u002Fa>, including \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002Fbusiness-voip\u002F\">VoIP\u003C\u002Fa>. \u003C\u002Fp>",{"name":908,"type":15,"value":1200,"linkedItems":1201},[910],[],{"name":913,"type":15,"value":1203,"linkedItems":1204},[915],[],{"name":918,"type":919,"value":1206,"displayTimeZone":921},"2025-09-12T00:17:00Z",{"name":923,"type":919,"value":784,"displayTimeZone":784},{"name":925,"type":11,"value":1209},"what-happens-if-youre-refused-business-insurance\u002F",{"name":928,"type":7,"value":1075},{"name":931,"type":7,"value":1212},"What happens if you’ve tried to get an insurance quote and you’ve been refused? There are many reasons why you might get rejected. Find out what you should do next in this guide.",{"name":934,"type":935,"value":1214},[1215],{"name":938,"codename":939},{"name":941,"type":7,"value":1217},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fwhat-happens-if-youre-refused-business-insurance\u002F",{"name":944,"type":15,"value":1219,"linkedItems":1220},[],[],{"name":948,"type":15,"value":1222,"linkedItems":1223},[950],[],{"name":953,"type":15,"value":1225,"linkedItems":1226},[],[],{"name":958,"type":15,"value":1228,"linkedItems":1229},[],[],{"name":962,"type":23,"value":1231},[1232],{"name":1233,"description":1081,"type":28,"size":1234,"url":1083,"width":757,"height":756,"renditions":1235},"Refused business insurance (1) (1).png",417748,{},{"name":969,"type":935,"value":1237},[1238],{"name":972,"codename":973},{"name":975,"type":935,"value":1240},[1241],{"name":938,"codename":939},{"name":979,"type":935,"value":1243},[1244],{"name":938,"codename":939},{"name":983,"type":935,"value":1246},[1247],{"name":972,"codename":973},{"codename":740,"collection":81,"id":1249,"language":81,"lastModified":1105,"name":1250,"sitemapLocations":1251,"type":990,"workflowStep":87,"workflow":81},"698c1f29-dced-4a66-a9a9-94529c1b98ed","INSURANCE GUIDE - What Happens if You're Refused Business Insurance?",[],{"elements":1253,"system":1381},{"post__title":1254,"post__summary":1256,"post__content":1258,"post__author":1331,"post__reviewer":1335,"publish_date":1338,"updated_date":1340,"url":1341,"seo__meta_title":1343,"seo__meta_description":1345,"seo__add_no_index_tag":1347,"seo__canonical_url":1350,"related_articles":1352,"categories":1355,"subfolder":1358,"tags":1361,"thumbnail_image":1364,"show_on_index_page":1370,"hide_author":1373,"hide_reviewer":1376,"hide_tags":1378},{"name":146,"type":7,"value":1255},"Company vehicles: what happens if you’re caught driving without insurance?",{"name":748,"type":7,"value":1257},"If you use company cars or vans for your business, you'll need to make sure they're properly insured. But what happens if a member of staff is caught driving without valid insurance? Read on to find out more.",{"images":1259,"linkedItemCodenames":1266,"linkedItems":1273,"links":1329,"name":905,"type":189,"value":1330},[1260],{"description":1261,"imageId":1262,"url":1263,"height":1264,"width":1265},"Male delivery driver sat in the driving seat of a car with a food delivery on the next seat","a77fce10-f150-415b-8dd1-d04c76f15b73","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F252ad5cf-64c3-46f7-92e5-0c149895d737\u002FGettyImages-1288691796%20%281%29.jpg",1414,2121,[1267,1268,1269,1270,1271,1272],"b59301da_1fc6_01d2_46c8_2eb5c284da61","n281e9b08_9196_016c_774f_f7aae80adb25","n8a90d978_5263_0131_9387_b245c8302049","n7e8275fc_58fa_010f_a206_0de9c4b8c19c","c4dde528_8f8b_0139_eee0_c7c1598accdd","f7d56f34_b180_0199_f465_a6bcf442b4dd",[1274,1284,1293,1302,1311,1320],{"elements":1275,"system":1280},{"text":1276,"anchor_id":1278},{"name":188,"type":7,"value":1277},"What is a company car?",{"name":799,"type":7,"value":1279},"what-is-a-company car",{"codename":1267,"collection":81,"id":1281,"language":81,"lastModified":1282,"name":1281,"sitemapLocations":1283,"type":804,"workflowStep":784,"workflow":784},"b59301da-1fc6-01d2-46c8-2eb5c284da61","2025-06-20T14:49:06.9431681Z",[],{"elements":1285,"system":1290},{"text":1286,"anchor_id":1288},{"name":188,"type":7,"value":1287},"When would employees use a company car?",{"name":799,"type":7,"value":1289},"when-would-employees-use-a-company-car",{"codename":1268,"collection":81,"id":1291,"language":81,"lastModified":1282,"name":1291,"sitemapLocations":1292,"type":804,"workflowStep":784,"workflow":784},"281e9b08-9196-016c-774f-f7aae80adb25",[],{"elements":1294,"system":1299},{"text":1295,"anchor_id":1297},{"name":188,"type":7,"value":1296},"What are the laws for driving a company vehicle?",{"name":799,"type":7,"value":1298},"what-are-the-laws-for-driving-a-company-vehicle",{"codename":1269,"collection":81,"id":1300,"language":81,"lastModified":1282,"name":1300,"sitemapLocations":1301,"type":804,"workflowStep":784,"workflow":784},"8a90d978-5263-0131-9387-b245c8302049",[],{"elements":1303,"system":1308},{"text":1304,"anchor_id":1306},{"name":188,"type":7,"value":1305},"Who is responsible for the insurance?",{"name":799,"type":7,"value":1307},"who-is-responsible-for-the-insurance?",{"codename":1270,"collection":81,"id":1309,"language":81,"lastModified":1282,"name":1309,"sitemapLocations":1310,"type":804,"workflowStep":784,"workflow":784},"7e8275fc-58fa-010f-a206-0de9c4b8c19c",[],{"elements":1312,"system":1317},{"text":1313,"anchor_id":1315},{"name":188,"type":7,"value":1314},"Is driving without insurance a criminal offence?",{"name":799,"type":7,"value":1316},"is-driving-without-insurance-a-criminal-offence",{"codename":1271,"collection":81,"id":1318,"language":81,"lastModified":1282,"name":1318,"sitemapLocations":1319,"type":804,"workflowStep":784,"workflow":784},"c4dde528-8f8b-0139-eee0-c7c1598accdd",[],{"elements":1321,"system":1326},{"text":1322,"anchor_id":1324},{"name":188,"type":7,"value":1323},"What are the penalties for driving without insurance?",{"name":799,"type":7,"value":1325},"what-are-the-penalties-for-driving-without-insurance",{"codename":1272,"collection":81,"id":1327,"language":81,"lastModified":1282,"name":1327,"sitemapLocations":1328,"type":804,"workflowStep":784,"workflow":784},"f7d56f34-b180-0199-f465-a6bcf442b4dd",[],[],"\u003Cp>There are over \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fgovernment\u002Fpublications\u002Fplan-for-drivers\u002Fthe-plan-for-drivers\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">50 million people with a driving licence in the UK and around 40 million licenced vehicles\u003C\u002Fa> — that’s a lot of cars on the road! \u003C\u002Fp>\n\u003Cp>As a small business owner, you might have a few cars or vans shipping out deliveries or your sales team on hand to secure a deal. But what happens if a member of staff is caught driving without valid insurance? And what does this mean for your business? \u003C\u002Fp>\n\u003Cp>In this Bionic guide, we’ll walk you through everything you need to know about company vehicles and who needs to make sure that the vehicle is insured.  \u003C\u002Fp>\n\u003Cfigure data-asset-id=\"a77fce10-f150-415b-8dd1-d04c76f15b73\" data-image-id=\"a77fce10-f150-415b-8dd1-d04c76f15b73\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F252ad5cf-64c3-46f7-92e5-0c149895d737\u002FGettyImages-1288691796%20%281%29.jpg\" data-asset-id=\"a77fce10-f150-415b-8dd1-d04c76f15b73\" data-image-id=\"a77fce10-f150-415b-8dd1-d04c76f15b73\" alt=\"Male delivery driver sat in the driving seat of a car with a food delivery on the next seat\">\u003C\u002Ffigure>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"b59301da_1fc6_01d2_46c8_2eb5c284da61\">\u003C\u002Fobject>\n\u003Ch2>What is a company car? \u003C\u002Fh2>\n\u003Cp>First and foremost, let’s get down to the basics. A company car is a vehicle your business owns and provides to employees for work-related purposes such as client or supplier meetings or even food deliveries. \u003C\u002Fp>\n\u003Cp>It's like a perk that helps your team get from point A to point B and also a representation of your brand on the road!  \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n281e9b08_9196_016c_774f_f7aae80adb25\">\u003C\u002Fobject>\n\u003Ch2>When would employees use a company car? \u003C\u002Fh2>\n\u003Cp>A company car can be a great incentive for employees who prefer to work independently. Here are some reasons why employees might need to drive a company car: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Client meetings \u003C\u002Fstrong>—  If your team often meets with clients and customers, a company car can be invaluable. It allows your employees to travel in style and comfort and really push your name out there.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Sales and marketing \u003C\u002Fstrong>— For your sales team, a company car can be a real game-changer. Whether they’re attending industry events, visiting potential clients or doing important product demonstrations, having reliable vehicles can make all the difference.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Service calls \u003C\u002Fstrong>— If your business provides services with on-site visits like plumbing, electrical work or landscaping, you’ll first want to ensure you’re covered with \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Ftradesman-insurance\u002F\">tradesman\u003C\u002Fa> insurance. Secondly, a company car or van ensures employees can get to job sites on time and work efficiently.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Deliveries and logistics \u003C\u002Fstrong>— If your business delivers products, takeaways, or provides logistical support, you’ll know how often you rely on your company vehicle to transport goods from place to place. Whether delivering packages or moving equipment, having a dedicated fleet helps get things done. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Employee commuting \u003C\u002Fstrong>— Some businesses even go one step further and offer company cars as part of their employee benefits package, allowing staff to use them for their daily commute. This can be a big incentive for recruitment and retention within your business — especially for employees who don’t have their own mode of transportation.  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n8a90d978_5263_0131_9387_b245c8302049\">\u003C\u002Fobject>\n\u003Ch2>What are the laws for driving a company vehicle? \u003C\u002Fh2>\n\u003Cp>When your staff are driving their company vehicle, there are some responsibilities and rules of the road they’ll have to abide by. \u003C\u002Fp>\n\u003Ch3>Compliance with traffic laws \u003C\u002Fh3>\n\u003Cp>It may seem obvious, but sometimes the obvious needs to be said, especially when your business has its name attached.  \u003C\u002Fp>\n\u003Cp> All employees who drive a company vehicle \u003Cstrong>must follow and obey all traffic rules\u003C\u002Fstrong>. This includes everything from speed limits to traffic signals and road signs. If an employee fails to comply with these rules, it can result in some hefty fines, legal issues, points on their licence and a bad reputation for the company.  \u003C\u002Fp>\n\u003Ch3>Have a valid driving licence \u003C\u002Fh3>\n\u003Cp>To drive a company vehicle in the UK, all employees must have a valid driver's licence for the type of vehicle they’ll be operating.  \u003C\u002Fp>\n\u003Cp> As a business owner, make sure your team's licences are up to date, and they don’t have any driving convictions that mean they legally can’t be on the road. \u003C\u002Fp>\n\u003Ch3>Vehicle tax and MOT \u003C\u002Fh3>\n\u003Cp>Like any other vehicle in the UK, company cars must be properly taxed and have a valid MOT certificate. \u003C\u002Fp>\n\u003Cp>You can tax your vehicle on the \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fvehicle-tax\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">GOV.UK website\u003C\u002Fa>.  \u003C\u002Fp>\n\u003Cp>It’s also a good idea to place a copy of the MOT and insurance certificate in the glove box of each company vehicle. This can help reassure your staff that the legal requirements have been met, and, if needed, they can present these documents to the police if they’re pulled over.  \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n7e8275fc_58fa_010f_a206_0de9c4b8c19c\">\u003C\u002Fobject>\n\u003Ch2>Who is responsible for the insurance? \u003C\u002Fh2>\n\u003Cp>In \u003Ca href=\"https:\u002F\u002Fwww.mib.org.uk\u002Freducing-uninsured-driving\u002Fwhat-we-do\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">2023, the Motor Insurers Bureau helped the police seize more than 130,000\u003C\u002Fa> uninsured vehicles – that's a whole lot of people driving without insurance. \u003C\u002Fp>\n\u003Cp>And, when it comes to the responsibilities of insurance, this can be a bit of a grey area. But who is responsible? The employer or the employee? \u003C\u002Fp>\n\u003Cp>In simple terms, it’s the responsibility of the \u003Cstrong>employer \u003C\u002Fstrong>to seek insurance as it’s \u003Cstrong>you \u003C\u002Fstrong>who owns the vehicle, not your employee.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"c4dde528_8f8b_0139_eee0_c7c1598accdd\">\u003C\u002Fobject>\n\u003Ch2>Is driving without insurance a criminal offence? \u003C\u002Fh2>\n\u003Cp>Yes, driving without insurance is a serious criminal offence, regardless of whether it’s you as the business owner or another member of staff driving the vehicle.  \u003C\u002Fp>\n\u003Cp>Insurance is designed to cover and protect yourself and other road users should you get into an accident and there are costs associated with it.  \u003C\u002Fp>\n\u003Cp>The minimum level of insurance that businesses need is third-party insurance — this will only cover the costs of others in an accident.\u003C\u002Fp>\n\u003Cp>But, most companies opt for comprehensive cover, as it covers the costs following an accident as well as losses from fire and theft.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"f7d56f34_b180_0199_f465_a6bcf442b4dd\">\u003C\u002Fobject>\n\u003Ch2>What are the penalties for driving without insurance? \u003C\u002Fh2>\n\u003Cp>Driving any vehicle without insurance is against the law, and the consequences can be bad for your employees and your business.  \u003C\u002Fp>\n\u003Cp>If you or one of your employees are caught driving a company vehicle without insurance, at a minimum, the police can: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Give a fixed penalty fine of £300 \u003C\u002Fli>\n  \u003Cli>Hand out 6 penalty points on a driving licence \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>The police will decide whether more serious cases — driving without passing a driving test, giving false details or driving a high-risk vehicle — without insurance warrants the case being handled in court.  \u003C\u002Fp>\n\u003Cp>Under this, a court can issue: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>A fine of any amount \u003C\u002Fli>\n  \u003Cli>Disqualification from driving \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>The police also have the power to seize and, in some cases, destroy a vehicle driven uninsured. \u003C\u002Fp>\n\u003Cp>\u003Cstrong>You, the business owner, \u003C\u002Fstrong>may also be liable for other costs, including: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Higher car insurance premiums in the future \u003C\u002Fli>\n  \u003Cli>Any costs associated with the accident, such as a third-party \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>These offences can have a serious knock-on effect on your business.  Find out more about \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fvehicle-insurance\u002Fdriving-without-insurance#:~:text=The%20police%20could%20give%20you,disqualified%20from%20driving\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">fines on the government site\u003C\u002Fa>.\u003C\u002Fp>\n\u003Ch2>Keep your business on the move with Bionic \u003C\u002Fh2>\n\u003Cp>No matter whether it's your sales team or employees commuting to work, making sure your employees have proper insurance in place to drive company vehicles is crucial. Without it, you’re potentially putting your business and your employees at risk. \u003C\u002Fp>\n\u003Cp>If you want to find out more about the different insurance we offer here at Bionic, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\">compare business insurance\u003C\u002Fa> or start a quote online today - our knowledgeable insurance team are on hand to help. Or, head over to our insurance guides to find out more about business insurance.\u003C\u002Fp>",{"name":908,"type":15,"value":1332,"linkedItems":1334},[1333],"author___james_barwell",[],{"name":913,"type":15,"value":1336,"linkedItems":1337},[],[],{"name":918,"type":919,"value":1339,"displayTimeZone":921},"2024-03-28T16:00:00Z",{"name":923,"type":919,"value":784,"displayTimeZone":784},{"name":925,"type":11,"value":1342},"company-vehicles-caught-driving-without-insurance\u002F",{"name":928,"type":7,"value":1344},"Company Vehicles: Driving Without Insurance | Bionic",{"name":931,"type":7,"value":1346},"If an employee is caught driving a company vehicle without insurance, it can be bad for business. Read more in this Bionic guide.",{"name":934,"type":935,"value":1348},[1349],{"name":938,"codename":939},{"name":941,"type":7,"value":1351},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fcompany-vehicles-caught-driving-without-insurance\u002F",{"name":944,"type":15,"value":1353,"linkedItems":1354},[],[],{"name":948,"type":15,"value":1356,"linkedItems":1357},[950],[],{"name":953,"type":15,"value":1359,"linkedItems":1360},[],[],{"name":958,"type":15,"value":1362,"linkedItems":1363},[],[],{"name":962,"type":23,"value":1365},[1366],{"name":1367,"description":1261,"type":295,"size":1368,"url":1263,"width":1265,"height":1264,"renditions":1369},"GettyImages-1288691796 (1).jpg",195712,{},{"name":969,"type":935,"value":1371},[1372],{"name":972,"codename":973},{"name":975,"type":935,"value":1374},[1375],{"name":938,"codename":939},{"name":979,"type":935,"value":1377},[],{"name":983,"type":935,"value":1379},[1380],{"name":972,"codename":973},{"codename":741,"collection":81,"id":1382,"language":81,"lastModified":1282,"name":1383,"sitemapLocations":1384,"type":990,"workflowStep":87,"workflow":81},"5f78d8cb-d7ed-4b82-b7cf-0c4b2543562a","INSURANCE GUIDE - Company vehicles: What Happens if You’re Caught Driving Without Insurance?",[],{"codename":139,"collection":81,"id":1386,"language":81,"lastModified":1387,"name":1388,"sitemapLocations":1389,"type":1390,"workflowStep":87,"workflow":81},"0bf0e3e9-8e26-4191-be9d-2d0383d74d8e","2026-02-25T17:01:53.38987Z","Content Block - Guides - Warehouse",[],"content_block___guides",{"elements":1392,"system":1393},{},{"codename":140,"collection":81,"id":1394,"language":81,"lastModified":1395,"name":1396,"sitemapLocations":1397,"type":140,"workflowStep":87,"workflow":81},"27c81dfe-7041-4ad0-913b-6f7b41ef4a2b","2024-11-12T12:29:58.1483257Z","Content Block - Social",[],{"elements":1399,"system":1423},{"title_left":1400,"text_left":1402,"cta_button_text":1408,"cta_link_url":1410,"image_right":1412},{"name":549,"type":7,"value":1401},"Not your usual boring business content!",{"images":1403,"linkedItemCodenames":1404,"linkedItems":1405,"links":1406,"name":162,"type":189,"value":1407},[],[],[],[],"\u003Cp>\u003Cstrong>Sign-up to The Backbone\u003C\u002Fstrong>, our free fortnightly newsletter for anyone who owns, runs, or works in one of the millions of businesses across the UK. Get the inside track from real business owners just like you\u003C\u002Fp>",{"name":49,"type":7,"value":1409},"Yes, sign me up",{"name":52,"type":7,"value":1411},"https:\u002F\u002Fbackbone.bionic.co.uk\u002Fsign-up",{"name":1413,"type":23,"value":1414},"Image Right",[1415],{"name":1416,"description":1417,"type":28,"size":1418,"url":1419,"width":1420,"height":1421,"renditions":1422},"backbone-image.png","Backbone cover photo",144987,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F3212614b-64af-47bf-8de8-bb4b18ed29cb\u002Fbackbone-image.png",452,403,{},{"codename":141,"collection":81,"id":1424,"language":81,"lastModified":1425,"name":1426,"sitemapLocations":1427,"type":1428,"workflowStep":87,"workflow":81},"31d6b6b9-30ef-4f5a-bde5-ec18f1823f86","2024-11-19T13:47:59.5857742Z","Content Block - Image with CTA - Ins Backbone",[],"content_block___image_with_cta",{"name":1430,"type":7,"value":1431},"Meta Title","Commercial Combined Insurance From £1.22 a day with Bionic",{"name":1433,"type":7,"value":1434},"Meta Description","We can tailor cover for over 6,000 small business types. Get commercial combined insurance today and your increase at renewal could be less than a pint with Bionic.",{"name":1436,"type":7,"value":1437},"Meta Canonical","https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fcommercial-combined-insurance\u002F",{"name":1439,"type":935,"value":1440},"Meta Robots",[1441],{"name":1442,"codename":1442},"index",{"name":1444,"type":935,"value":1445},"Meta Aggregate 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guides","\u002Fbusiness-insurance\u002Fguides\u002F",{"energy":1623,"telecoms":2130,"finance":2699},[1624,1831,1906],{"elements":1625,"system":1826},{"post__title":1626,"post__summary":1628,"post__content":1630,"post__author":1772,"post__reviewer":1776,"publish_date":1779,"updated_date":1782,"url":1784,"seo__meta_title":1786,"seo__meta_description":1788,"seo__add_no_index_tag":1790,"seo__canonical_url":1793,"related_articles":1795,"categories":1798,"subfolder":1802,"tags":1805,"thumbnail_image":1808,"show_on_index_page":1814,"hide_author":1817,"hide_reviewer":1820,"hide_tags":1823},{"name":146,"type":7,"value":1627},"What to do if your energy supplier goes bust or ceases trading",{"name":748,"type":7,"value":1629},"If your business energy supplier stops trading, the Ofgem safety net ensures your supply isn't disrupted while a new supplier is found. Here's all you need to know.",{"images":1631,"linkedItemCodenames":1638,"linkedItems":1652,"links":1770,"name":905,"type":189,"value":1771},[1632],{"description":1633,"imageId":1634,"url":1635,"height":1636,"width":1637},"one black dirty round iron gas burner on a burnt metal gas stove. The caption reads \"what to do if your business energy supplier goes bust\"","c346e070-cc28-4f51-bb08-0f5649dfc641","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F013e6a17-3606-4ecd-b18c-2a20470d74c0\u002FBionic%20Energy%20Guide%20Images%20%282%29.png",1425,2703,[1639,1640,1641,1642,1643,1644,1645,1646,1647,1648,1649,1650,1651],"n119fe96d_e977_01ef_c047_69e3bea0cff1","be30f11e_9957_0133_0b49_f42295ee9cdb","n697400cc_992d_016c_c02b_e5a6c3d083ed","n5ab2368e_2c79_01c5_30a4_ba4a0a83bbc5","n1c49ea2b_aa0f_01be_5d0d_e111b45d3a26","n14f1f880_70d9_01d5_114f_3eee1520a16a","n9a48641c_a39d_013f_d067_9497c31cc8af","a9cdf30c_9022_01ff_342f_36e14855c0df","n23baa086_7718_01cd_dd18_0d55358c7f3c","b387ff35_dded_01ba_c5c5_c6c8e0f188ae","n0bc09458_cbc7_01de_6b5d_0b2edbcf41c3","n1191f93c_3649_01f1_e7d1_b2168670a6c4","n691c6d8f_b6ce_0172_db7b_71a74bf2bbcc",[1653,1663,1672,1681,1690,1699,1707,1716,1725,1734,1743,1752,1761],{"elements":1654,"system":1659},{"text":1655,"anchor_id":1657},{"name":188,"type":7,"value":1656},"What happens if your supplier goes bust?",{"name":799,"type":7,"value":1658},"what-happens-supplier-goes-bust",{"codename":1639,"collection":81,"id":1660,"language":81,"lastModified":1661,"name":1660,"sitemapLocations":1662,"type":804,"workflowStep":784,"workflow":784},"119fe96d-e977-01ef-c047-69e3bea0cff1","2026-07-28T09:51:35.04246Z",[],{"elements":1664,"system":1669},{"text":1665,"anchor_id":1667},{"name":188,"type":7,"value":1666},"What is a Supplier of Last Resort (SoLR)?",{"name":799,"type":7,"value":1668},"what-is-a-supplier-of-last-resort",{"codename":1640,"collection":81,"id":1670,"language":81,"lastModified":1661,"name":1670,"sitemapLocations":1671,"type":804,"workflowStep":784,"workflow":784},"be30f11e-9957-0133-0b49-f42295ee9cdb",[],{"elements":1673,"system":1678},{"text":1674,"anchor_id":1676},{"name":188,"type":7,"value":1675},"How long will it take to be switched to a new business energy supplier?",{"name":799,"type":7,"value":1677},"time-to-switch-to-new-supplier",{"codename":1641,"collection":81,"id":1679,"language":81,"lastModified":1661,"name":1679,"sitemapLocations":1680,"type":804,"workflowStep":784,"workflow":784},"697400cc-992d-016c-c02b-e5a6c3d083ed",[],{"elements":1682,"system":1687},{"text":1683,"anchor_id":1685},{"name":188,"type":7,"value":1684},"What happens to your energy contract?",{"name":799,"type":7,"value":1686},"what-happens-to-energy-contract",{"codename":1642,"collection":81,"id":1688,"language":81,"lastModified":1661,"name":1688,"sitemapLocations":1689,"type":804,"workflowStep":784,"workflow":784},"5ab2368e-2c79-01c5-30a4-ba4a0a83bbc5",[],{"elements":1691,"system":1696},{"text":1692,"anchor_id":1694},{"name":188,"type":7,"value":1693},"What if you're in debt with your energy supplier?",{"name":799,"type":7,"value":1695},"debt-with-energy-supplier",{"codename":1643,"collection":81,"id":1697,"language":81,"lastModified":1661,"name":1697,"sitemapLocations":1698,"type":804,"workflowStep":784,"workflow":784},"1c49ea2b-aa0f-01be-5d0d-e111b45d3a26",[],{"elements":1700,"system":1704},{"text":1701,"anchor_id":1702},{"name":188,"type":7,"value":1693},{"name":799,"type":7,"value":1703},"credit-with-energy-supplier",{"codename":1644,"collection":81,"id":1705,"language":81,"lastModified":1661,"name":1705,"sitemapLocations":1706,"type":804,"workflowStep":784,"workflow":784},"14f1f880-70d9-01d5-114f-3eee1520a16a",[],{"elements":1708,"system":1713},{"text":1709,"anchor_id":1711},{"name":188,"type":7,"value":1710},"What to do before you're switched",{"name":799,"type":7,"value":1712},"what-to-do-before-switch",{"codename":1645,"collection":81,"id":1714,"language":81,"lastModified":1661,"name":1714,"sitemapLocations":1715,"type":804,"workflowStep":784,"workflow":784},"9a48641c-a39d-013f-d067-9497c31cc8af",[],{"elements":1717,"system":1722},{"text":1718,"anchor_id":1720},{"name":188,"type":7,"value":1719},"What if you have an unresolved complaint?",{"name":799,"type":7,"value":1721},"unresolved-supplier-complaint",{"codename":1646,"collection":81,"id":1723,"language":81,"lastModified":1661,"name":1723,"sitemapLocations":1724,"type":804,"workflowStep":784,"workflow":784},"a9cdf30c-9022-01ff-342f-36e14855c0df",[],{"elements":1726,"system":1731},{"text":1727,"anchor_id":1729},{"name":188,"type":7,"value":1728},"What energy suppliers have ceased trading in 2022?",{"name":799,"type":7,"value":1730},"what-energy-suppliers-have-ceased-trading",{"codename":1647,"collection":81,"id":1732,"language":81,"lastModified":1661,"name":1732,"sitemapLocations":1733,"type":804,"workflowStep":784,"workflow":784},"23baa086-7718-01cd-dd18-0d55358c7f3c",[],{"elements":1735,"system":1740},{"text":1736,"anchor_id":1738},{"name":188,"type":7,"value":1737},"Has Opus Enery gone bust? ",{"name":799,"type":7,"value":1739},"has-opus-energy-gone-bust",{"codename":1648,"collection":81,"id":1741,"language":81,"lastModified":1661,"name":1741,"sitemapLocations":1742,"type":804,"workflowStep":784,"workflow":784},"b387ff35-dded-01ba-c5c5-c6c8e0f188ae",[],{"elements":1744,"system":1749},{"text":1745,"anchor_id":1747},{"name":188,"type":7,"value":1746},"What's the difference between going bust and ceasing to trade?",{"name":799,"type":7,"value":1748},"difference-between-going-bust-ceasing-trade",{"codename":1649,"collection":81,"id":1750,"language":81,"lastModified":1661,"name":1750,"sitemapLocations":1751,"type":804,"workflowStep":784,"workflow":784},"0bc09458-cbc7-01de-6b5d-0b2edbcf41c3",[],{"elements":1753,"system":1758},{"text":1754,"anchor_id":1756},{"name":188,"type":7,"value":1755},"Why are energy suppliers going bust?",{"name":799,"type":7,"value":1757},"why-suppliers-go-bust",{"codename":1650,"collection":81,"id":1759,"language":81,"lastModified":1661,"name":1759,"sitemapLocations":1760,"type":804,"workflowStep":784,"workflow":784},"1191f93c-3649-01f1-e7d1-b2168670a6c4",[],{"elements":1762,"system":1767},{"text":1763,"anchor_id":1765},{"name":188,"type":7,"value":1764},"How does Ofgem try to prevent future supplier failures?",{"name":799,"type":7,"value":1766},"how-does-ofgem-try-to-prevent-future-supplier-failures",{"codename":1651,"collection":81,"id":1768,"language":81,"lastModified":1661,"name":1768,"sitemapLocations":1769,"type":804,"workflowStep":784,"workflow":784},"691c6d8f-b6ce-0172-db7b-71a74bf2bbcc",[],[],"\u003Cp>If your business energy supplier goes bust, you should not lose your gas or electricity supply. Ofgem's safety net automatically moves you to a new supplier, usually within 72 hours. This supplier is known as a \"Supplier of Last Resort\" (SoLR). You can keep trading as normal while this happens.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"c346e070-cc28-4f51-bb08-0f5649dfc641\" data-image-id=\"c346e070-cc28-4f51-bb08-0f5649dfc641\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F013e6a17-3606-4ecd-b18c-2a20470d74c0\u002FBionic%20Energy%20Guide%20Images%20%282%29.png\" data-asset-id=\"c346e070-cc28-4f51-bb08-0f5649dfc641\" data-image-id=\"c346e070-cc28-4f51-bb08-0f5649dfc641\" alt=\"one black dirty round iron gas burner on a burnt metal gas stove. The caption reads "what to do if your business energy supplier goes bust"\">\u003C\u002Ffigure>\n\u003Cp>When an energy supplier goes bust, it’s usually because they weren’t financially strong enough to handle rising costs (more on that later). That’s why energy regulator Ofgem introduced financial rules to make sure all suppliers have enough money to stay afloat. \u003C\u002Fp>\n\u003Cp>But some in the industry think those rules aren't strict enough, which could lead to further supplier closures.\u003C\u002Fp>\n\u003Cp>Chris O’Shea, the Chief Executive of Centrica (parent company British Gas), has claimed that some energy suppliers – including the UK's largest, Octopus Energy – aren’t meeting those financial targets. He’s worried that if these firms keep taking on new customers without enough money in reserve, the UK could face another wave of supplier failures.\u003C\u002Fp>\n\u003Cp>More than 70 energy suppliers have gone bust or ceased trading since 2016, and Octopus Energy has taken on millions of extra customers as the Ofgem-appointed Supplier of Last Resort (SoLR) following some supplier closures.\u003C\u002Fp>\n\u003Cp>Octopus admitted it missed the target but said it has agreed a plan with Ofgem and is not breaking any rules. Ofgem confirmed that as long as suppliers have a solid plan to improve their finances, they’re allowed to keep trading. The regulator says it's keeping a close eye on things to protect customers and avoid another energy market collapse.\u003C\u002Fp>\n\u003Cp>But why do suppliers go to the wall? And what should you do if your \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fbusiness-energy-suppliers\u002F\">business energy supplier\u003C\u002Fa> goes bust or stops trading? Read on to find out everything you need to know.\u003C\u002Fp>\n\u003Ch2>Five-point summary of our guide to suppliers going bust\u003C\u002Fh2>\n\u003Col>\n  \u003Cli>More than 70 energy suppliers have gone bust or ceased trading since 2016. 39 of these went between 2016 and 2020. A further 34 energy suppliers have ceased trading or gone bust since January 2021\u003C\u002Fli>\n  \u003Cli>Suppliers usually go bust as they aren't financially resilient enough to cope with rising wholesale prices and government levies. A squeeze on household budgets is also an issue\u003C\u002Fli>\n  \u003Cli>If your supplier goes bust, your supply won't be disrupted or cut off. Ofgem, the UK energy regulator, has systems in place to make sure gas and electricity are supplied to your premises as normal\u003C\u002Fli>\n  \u003Cli>A new supplier, known as a Supplier of Last Resort (SoLR), will be announced within 72 hours of your supplier going bust. You will be switched to this new supplier as soon as possible\u003C\u002Fli>\n  \u003Cli>When you're switched to your SoLR, you’re free to switch again without any exit fees. It’s worth comparing deals to find a better rate, as it's unlikely you'll be on your new supplier's best rates. Bionic can help with this\u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n119fe96d_e977_01ef_c047_69e3bea0cff1\">\u003C\u002Fobject>\n\u003Ch2>What happens if your energy supplier goes bust or stops trading?\u003C\u002Fh2>\n\u003Cp>If your energy supplier goes bust or ceases trading, the \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fwho-are-ofgem\u002F\">Ofgem\u003C\u002Fa> safety net will ensure that your business is switched to a new supplier as soon as possible and that your premises won't experience any disruption to its \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fbusiness-electricity\u002F\">electricity\u003C\u002Fa> and \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fwho-supplies-my-business-gas\u002F\">gas supply\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cp>Here's what the energy regulator suggests you do if your \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002F\">business energy provider\u003C\u002Fa> stops trading:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Take a meter reading \u003C\u002Fstrong>- To help make sure your final bill is accurate, it's worth taking a meter reading, if possible. You can also cancel any Direct Debits, if necessary, although it might be worth waiting until you've signed up to a new deal before cancelling. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Wait for a new supplier to be appointed \u003C\u002Fstrong>- The Ofgem safety net means a new supplier will automatically be appointed and there'll be no disruption to your supply. Your new supplier should be announced within 72 hours of your supplier going bust and then appointed within 14 days. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Arrange a \u003C\u002Fstrong>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002F\">\u003Cstrong>new business energy contract\u003C\u002Fstrong>\u003C\u002Fa>\u003Cstrong> \u003C\u002Fstrong>- When your new supplier gets in touch, you'll need to negotiate a new energy contract, so don't just sign up for the first deal offered to you. This could be a good time to shop around and switch, as you won't be charged any exit fees at this point. Speak to the team at Bionic to see if they can get better rates for your business.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Although Ofgem advises business owners to do nothing until it has appointed a new supplier - known as a Supplier of Last Resort (SoLR) - if you had a switch in progress when your supplier went bust, you should still be moved to your new supplier as arranged.  \u003C\u002Fp>\n\u003Cp>If you've switched with Bionic and your old supplier has gone bust before your new contract has started, get in touch with our energy experts. We compare quotes from trusted suppliers, so if you're waiting on a SoLR announcement, you don't have to wait to start comparing your options for when the switch completes.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"be30f11e_9957_0133_0b49_f42295ee9cdb\">\u003C\u002Fobject>\n\u003Ch2>What is a Supplier of Last Resort (SoLR)?\u003C\u002Fh2>\n\u003Cp>A Supplier of Last Resort (SoLR) is an energy supplier appointed by Ofgem to take over customers automatically when their existing supplier stops trading. Ofgem chooses the SoLR through a bidding process, and the new supplier must keep your gas and electricity flowing without a break in service.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n697400cc_992d_016c_c02b_e5a6c3d083ed\">\u003C\u002Fobject>\n\u003Ch2>How long will it take to switch to a new business energy supplier?\u003C\u002Fh2>\n\u003Cp>When your business energy supplier goes bust, a new supplier should be appointed by Ofgem within 14 days.\u003C\u002Fp>\n\u003Cp>To help ensure your business is switched to a competitive deal, the regulator puts all of the old supplier's contracts into a bidding process. Once this is complete, it will choose the supplier that best suits the needs of these customers.\u003C\u002Fp>\n\u003Cp>If you have a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fsmart-meters\u002F\">smart meter\u003C\u002Fa> and your new supplier isn't compatible, this meter will still work but without the smart functionality. This means it will operate as a regular meter and you'll need to provide manual meter readings.  \u003C\u002Fp>\n\u003Cp>Ofgem will announce the details of your new supplier on its website and social media channels, and your new supplier will be in touch to arrange a new contract. But remember, you don't have to sign up for an energy contract with your SoLR, and so it might be worth shopping around to see if you can get a better deal elsewhere.\u003C\u002Fp>\n\u003Cp>If you're in this position, get in touch with the energy experts at \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002F\">Bionic\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cp>Recent Ofgem action shows the process in practice. In 2025, Ofgem activated the Supplier of Last Resort process for Tomato Energy, protecting supply and \u003Ca href=\"http:\u002F\u002Fchrome-extension:\u002F\u002Fefaidnbmnnnibpcajpcglclefindmkaj\u002Fhttps:\u002F\u002Fwww.ofgem.gov.uk\u002Fsites\u002Fdefault\u002Ffiles\u002F2026-01\u002FState-of-the-Market-Energy-Retail-Highlights-January-2026.pdf\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">credit balances for around 23,000 affected customers\u003C\u002Fa>. This shows the safety net working as intended, even for a relatively small supplier.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n5ab2368e_2c79_01c5_30a4_ba4a0a83bbc5\">\u003C\u002Fobject>\n\u003Ch2>What happens with your energy contract when your supplier ceases trading?\u003C\u002Fh2>\n\u003Cp>If your energy supplier goes bust or ceases trading, your contract with them will end automatically.\u003C\u002Fp>\n\u003Cp>When Ofgem appoints your new supplier, it will usually place you on a deemed contract or one of its variable rate deals. This means you'll most likely pay higher rates than on your previous fixed deal and will be more vulnerable to future \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fblog\u002Fnoticed-energy-prices-have-fallen-over-past-few-months\u002F\">energy price rises\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cp>The rates are higher on these deals because there is more risk to the supplier. This is because your new supplier doesn't know you as a customer, meaning it can't be certain of how you manage your monthly payments. \u003C\u002Fp>\n\u003Cp>Another reason rates could be higher is that this new supplier might need to buy extra wholesale energy at short notice for new customers. If this is the case, it's likely these extra charges will be passed onto customers.\u003C\u002Fp>\n\u003Ch3>\u003Cstrong>What is a deemed contract?\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>A deemed contract is a type of energy agreement that applies automatically when you use gas or electricity without a formal signed contract in place, usually when you've \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fbusiness-premises-guide\u002F\">moved into new premises\u003C\u002Fa>. Rates on deemed contracts are typically higher than negotiated fixed rates, which is why comparing deals after a SoLR switch could help you save money.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n1c49ea2b_aa0f_01be_5d0d_e111b45d3a26\">\u003C\u002Fobject>\n\u003Ch2>What if you're in debt with your energy supplier?\u003C\u002Fh2>\n\u003Cp>If you're in debt with your current or old energy supplier, you'll still need to repay this debt. \u003C\u002Fp>\n\u003Cp>If you're in debt and looking to switch away from the Ofgem-appointed SoLR, this debt could mean your switch is blocked until it's repaid. \u003C\u002Fp>\n\u003Cp>If your new supplier takes on the debt, they'll be in touch to work out a repayment plan.  \u003C\u002Fp>\n\u003Cp>If an administrator takes on the debt, they will collect payments on behalf of your old supplier. This means you may be billed by the administrator instead of your old supplier.\u003C\u002Fp>\n\u003Cp>In either case, you should negotiate a manageable repayment plan, especially if you're struggling with the cost of your \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fbusiness-energy-bills\u002F\">business energy bills\u003C\u002Fa>.   \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n14f1f880_70d9_01d5_114f_3eee1520a16a\">\u003C\u002Fobject>\n\u003Ch2>What if you're in credit with your energy supplier?\u003C\u002Fh2>\n\u003Cp>If you were in credit with your old energy supplier, Ofgem will try to find a supplier that is able to refund some or all of the money to you. But, unlike when a \u003Ca href=\"https:\u002F\u002Fwww.ukpower.co.uk\u002Fhome_energy\u002Fwhat-happens-when-your-energy-supplier-goes-bust\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">domestic energy supplier goes bust\u003C\u002Fa>, this isn't guaranteed by the Ofgem safety net.\u003C\u002Fp>\n\u003Cp>You'll need to wait for your new supplier to get in touch and explain the situation. If they can't refund your credit, you'll need to get in touch with your old supplier's administrator. You should be able to find details of who the administrator is on your old supplier's website.\u003C\u002Fp>\n\u003Cp>When you get in touch with the administrator, you'll have to register your business as a creditor (this is just the technical term for someone that is owed money) and prove that your account was in credit. You can do this using old bills and statements, which you might have as paper copies, in your emails, or you may need to log into your online account to get them.\u003C\u002Fp>\n\u003Cp>This process can take a long time, possibly longer than a year, and the amount you get back will depend upon how much your old supplier owes to all of its creditors. This means you might not get back all the money you're owed.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n9a48641c_a39d_013f_d067_9497c31cc8af\">\u003C\u002Fobject>\n\u003Ch2>What can you do while you wait for your new supplier? \u003C\u002Fh2>\n\u003Cp>There are a few proactive steps you can take while you wait for your new supplier to contact you. \u003C\u002Fp>\n\u003Cp>If you have an online account, it’s a good idea to log in and check your balance and download any bills to review yourself. Before your new supplier contacts you, you should also: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Take meter readings. If possible, take a photo of your meter readings as well. \u003C\u002Fli>\n  \u003Cli>Keep any old bills you have as these can be used to prove payment history, credit balance or debt. \u003C\u002Fli>\n  \u003Cli>Make a note of your account balance. This is easy to find - it should be on your most recent statement. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>To help avoid running into payment issues, it's worth waiting until your new account is set up before cancelling your Direct Debit.  \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"a9cdf30c_9022_01ff_342f_36e14855c0df\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What if you have an unresolved complaint against your old supplier?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>If you made a complaint to your old supplier that hasn't been dealt with, you should raise it again with your new supplier. This includes complaints about billing and your account balance.\u003C\u002Fp>\n\u003Cp>But your new supplier isn't obliged to take any unresolved complaints further. If your complaint had been escalated to the \u003Ca href=\"https:\u002F\u002Fwww.ombudsman-services.org\u002Fsectors\u002Fenergy\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Ombudsman\u003C\u002Fa>, they will get in touch with you to discuss what happens next.    \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"http:\u002F\u002Fchrome-extension:\u002F\u002Fefaidnbmnnnibpcajpcglclefindmkaj\u002Fhttps:\u002F\u002Fwww.ofgem.gov.uk\u002Fsites\u002Fdefault\u002Ffiles\u002F2026-01\u002FState-of-the-Market-Energy-Retail-Highlights-January-2026.pdf\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Ofgem's latest State of the Market data\u003C\u002Fa> shows business customer satisfaction with energy suppliers is rising -up from 62% in 2024 to 68% in 2025. Complaint rates have fallen from 23% to 18% over the same period. This suggests supplier service is improving overall, though experiences still vary.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n23baa086_7718_01cd_dd18_0d55358c7f3c\">\u003C\u002Fobject>\n\u003Ch2>How many energy suppliers have ceased trading?\u003C\u002Fh2>\n\u003Cp>More than 70 energy suppliers have gone bust or ceased trading since 2016. \u003C\u002Fp>\n\u003Cp>34 energy suppliers (listed below) have ceased trading or gone bust since January 2021:\u003C\u002Fp>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Supplier\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>When did it go bust?\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>What happened next?\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Number of customers\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Tomato Energy\u003C\u002Ftd>\u003Ctd>November 2025\u003C\u002Ftd>\u003Ctd>British Gas\u003C\u002Ftd>\u003Ctd>15,000 domestic and 8,000 non-domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Rebel Energy\u003C\u002Ftd>\u003Ctd>April 2025\u003C\u002Ftd>\u003Ctd>British Gas\u003C\u002Ftd>\u003Ctd>80,000 domestic and 10,000 non-domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Opus Energy\u003C\u002Ftd>\u003Ctd>Septemeber 2024*\u003C\u002Ftd>\u003Ctd>Contracts sold by Drax to EDF Enerygy\u003C\u002Ftd>\u003Ctd>90,000 SME customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>UK Energy Incubator Hub\u003C\u002Ftd>\u003Ctd>July 2022\u003C\u002Ftd>\u003Ctd>Octopus Energy appointed SoLR\u003C\u002Ftd>\u003Ctd>3,000 domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Whoop Energy\u003C\u002Ftd>\u003Ctd>February 2022\u003C\u002Ftd>\u003Ctd>Yü Energy\u003C\u002Ftd>\u003Ctd>50 domestic and 212 non-domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Xcel Power Ltd\u003C\u002Ftd>\u003Ctd>February 2022\u003C\u002Ftd>\u003Ctd>Yü Energy\u003C\u002Ftd>\u003Ctd>274 non-domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Together Energy\u002FBristol Energy\u003C\u002Ftd>\u003Ctd>January 2022\u003C\u002Ftd>\u003Ctd>British Gas appointed SoLR\u003C\u002Ftd>\u003Ctd>176,000 domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Zog Energy\u003C\u002Ftd>\u003Ctd>December 2021\u003C\u002Ftd>\u003Ctd>EDF Energy\u003C\u002Ftd>\u003Ctd>11,700\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Zebra Power\u003C\u002Ftd>\u003Ctd>November 2021\u003C\u002Ftd>\u003Ctd>British Gas appointed SoLR\u003C\u002Ftd>\u003Ctd>14,800 domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Omni Energy\u003C\u002Ftd>\u003Ctd>November 2021\u003C\u002Ftd>\u003Ctd>Utilita Energy appointed SoLR\u003C\u002Ftd>\u003Ctd>6,000 domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>AmpowerUK\u003C\u002Ftd>\u003Ctd>November 2021\u003C\u002Ftd>\u003Ctd>Yü Group appointed SoLR\u003C\u002Ftd>\u003Ctd>600 domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Bluegreen Energy Services Limited\u003C\u002Ftd>\u003Ctd>November 2021\u003C\u002Ftd>\u003Ctd>British Gas appointed SoLR\u003C\u002Ftd>\u003Ctd>5,900 domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>CNG\u003C\u002Ftd>\u003Ctd>November 2021\u003C\u002Ftd>\u003Ctd>Pozitive Energy appointed SoLR\u003C\u002Ftd>\u003Ctd> 41,000 non-domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Neon Reef\u003C\u002Ftd>\u003Ctd>November 2021\u003C\u002Ftd>\u003Ctd>British Gas appointed SoLR\u003C\u002Ftd>\u003Ctd>30,000 domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Social Energy Supply\u003C\u002Ftd>\u003Ctd>November 2021\u003C\u002Ftd>\u003Ctd>British Gas appointed SoLR\u003C\u002Ftd>\u003Ctd>5,500 domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Bulb\u003C\u002Ftd>\u003Ctd>November 2021**\u003C\u002Ftd>\u003Ctd>Placed into special administration*\u003C\u002Ftd>\u003Ctd>1.5 million customers (inc. 12,000 non-domestic)\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Entice Energy\u003C\u002Ftd>\u003Ctd>November 2021\u003C\u002Ftd>\u003Ctd>ScottishPower appointed SoLR\u003C\u002Ftd>\u003Ctd>5,400 domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Orbit Energy\u003C\u002Ftd>\u003Ctd>November 2021\u003C\u002Ftd>\u003Ctd>ScottishPower appointed SoLR\u003C\u002Ftd>\u003Ctd>65,000 domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>MA Energy\u003C\u002Ftd>\u003Ctd>November 2021\u003C\u002Ftd>\u003Ctd>Smartest Energy\u003C\u002Ftd>\u003Ctd>300 non-domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Pure Planet \u003C\u002Ftd>\u003Ctd>October 2021\u003C\u002Ftd>\u003Ctd>Shell Energy appointed SoLR\u003C\u002Ftd>\u003Ctd>235,000 domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Colorado Energy\u003C\u002Ftd>\u003Ctd>October 2021\u003C\u002Ftd>\u003Ctd>Shell Energy appointed SoLR\u003C\u002Ftd>\u003Ctd>15,000 domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Daligas\u003C\u002Ftd>\u003Ctd>October 2021\u003C\u002Ftd>\u003Ctd>Shell Energy appointed SoLR\u003C\u002Ftd>\u003Ctd>9,000 domestic and non-domestic customers \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>GOTO Energy Limited\u003C\u002Ftd>\u003Ctd>October 2021\u003C\u002Ftd>\u003Ctd>Shell Energy appointed SoLR\u003C\u002Ftd>\u003Ctd>22,000 domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Utility Point\u003C\u002Ftd>\u003Ctd>September 2021\u003C\u002Ftd>\u003Ctd>EDF appointed SoLR\u003C\u002Ftd>\u003Ctd>220,000 domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>People's Energy\u003C\u002Ftd>\u003Ctd>September 2021\u003C\u002Ftd>\u003Ctd>British Gas appointed SoLR\u003C\u002Ftd>\u003Ctd>350,000 domestic and 1,000 non-domestic customers \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Avro Energy\u003C\u002Ftd>\u003Ctd>September 2021\u003C\u002Ftd>\u003Ctd>Octopus Energy appointed SoLR\u003C\u002Ftd>\u003Ctd>580,000 domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Green Supplier Ltd.\u003C\u002Ftd>\u003Ctd>September 2021\u003C\u002Ftd>\u003Ctd>Shell Energy appointed SoLR\u003C\u002Ftd>\u003Ctd>255,000 domestic and an undisclosed number of non-domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Enstroga\u003C\u002Ftd>\u003Ctd>September 2021\u003C\u002Ftd>\u003Ctd>E.ON appointed SoLR\u003C\u002Ftd>\u003Ctd>6,000 domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Igloo Energy\u003C\u002Ftd>\u003Ctd>September 2021\u003C\u002Ftd>\u003Ctd>E.ON appointed SoLR\u003C\u002Ftd>\u003Ctd>179,000 domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Symbio Energy\u003C\u002Ftd>\u003Ctd>September 2021\u003C\u002Ftd>\u003Ctd>E.ON appointed SoLR\u003C\u002Ftd>\u003Ctd>48,000 domestic and an undisclosed number of non-domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>HUB Energy\u003C\u002Ftd>\u003Ctd>August 2021\u003C\u002Ftd>\u003Ctd>E.ON appointed SoLR\u003C\u002Ftd>\u003Ctd>6,000 domestic and 9,000 non-domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>PFP Energy\u003C\u002Ftd>\u003Ctd>August 2021\u003C\u002Ftd>\u003Ctd>British Gas appointed SoLR\u003C\u002Ftd>\u003Ctd>82,000 domestic and 5,600 non-domestic customers \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>MoneyPlus Energy\u003C\u002Ftd>\u003Ctd>August 2021\u003C\u002Ftd>\u003Ctd>E.ON appointed SoLR\u003C\u002Ftd>\u003Ctd>9,000 domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Green Network Energy\u003C\u002Ftd>\u003Ctd>January 2021\u003C\u002Ftd>\u003Ctd>EDF appointed SoLR\u003C\u002Ftd>\u003Ctd>360,000 domestic and an undisclosed number of non-domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Simplicity Energy\u003C\u002Ftd>\u003Ctd>January 2021\u003C\u002Ftd>\u003Ctd>British Gas appointed SoLR\u003C\u002Ftd>\u003Ctd>50,000 domestic customers\u003C\u002Ftd>\u003C\u002Ftr>\n\u003C\u002Ftbody>\u003C\u002Ftable>\n\u003Cp>\u003Csup>*Opus Energy is part of the Drax Group. On June 26, 2024, Drax announced that it had agreed to sell 90,000 of Opus Energy Group's small and medium-sized enterprise (SME) customers to EDF Energy. This is scheduled to be completed in September 2024 (subject to a regulatory assessment).\u003C\u002Fsup>\u003C\u002Fp>\n\u003Cp>\u003Csup>**Ofgem said in a statement regarding Bulb: \"We’ve decided to support Bulb being placed into special administration, which means it will continue to operate with no interruption of service or supply to members. If you’re a Bulb member, please don’t worry as your energy supply is secure and all credit balances are protected.”\u003C\u002Fsup>\u003C\u002Fp>\n\u003Cp>The 39 suppliers below ceased trading or went bust between 2016 and 2020:\u003C\u002Fp>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Supplier\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>When did it go bust?\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>What happened next?\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>iSupply\u003C\u002Ftd>\u003Ctd>Septemeber 2020\u003C\u002Ftd>\u003Ctd>EDF Energy appointed SoLR\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Robin Hood Energy\u003C\u002Ftd>\u003Ctd>Septemeber 2020\u003C\u002Ftd>\u003Ctd>Sold to British Gas\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Angelic Energy\u003C\u002Ftd>\u003Ctd>Septemeber 2020\u003C\u002Ftd>\u003Ctd>Sold to British Gas\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Gnergy\u003C\u002Ftd>\u003Ctd>Septemeber 2020\u003C\u002Ftd>\u003Ctd>Sold to British Gas\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>CitizEn Energy\u003C\u002Ftd>\u003Ctd>Septemeber 2020\u003C\u002Ftd>\u003Ctd>Sold to British Gas\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Ebico\u003C\u002Ftd>\u003Ctd>Septemeber 2020\u003C\u002Ftd>\u003Ctd>Sold to British Gas\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Fosse Energy\u003C\u002Ftd>\u003Ctd>Septemeber 2020\u003C\u002Ftd>\u003Ctd>Sold to British Gas\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Great North Energy\u003C\u002Ftd>\u003Ctd>Septemeber 2020\u003C\u002Ftd>\u003Ctd>Sold to British Gas\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>The Leccy\u003C\u002Ftd>\u003Ctd>Septemeber 2020\u003C\u002Ftd>\u003Ctd>Sold to British Gas\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>RAM Energy\u003C\u002Ftd>\u003Ctd>Septemeber 2020\u003C\u002Ftd>\u003Ctd>Sold to British Gas\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Southend Energy\u003C\u002Ftd>\u003Ctd>Septemeber 2020\u003C\u002Ftd>\u003Ctd>Sold to British Gas\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>White Rose Energy\u003C\u002Ftd>\u003Ctd>Septemeber 2020\u003C\u002Ftd>\u003Ctd>Sold to British Gas\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Your Energy Sussex\u003C\u002Ftd>\u003Ctd>Septemeber 2020\u003C\u002Ftd>\u003Ctd>Sold to British Gas\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Yorkshire Energy\u003C\u002Ftd>\u003Ctd>December 2020\u003C\u002Ftd>\u003Ctd>ScottishPower appointed SoLR\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Britsol Energy\u003C\u002Ftd>\u003Ctd>October 2020\u003C\u002Ftd>\u003Ctd>Acquired by Together Energy\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Tonik\u003C\u002Ftd>\u003Ctd>October 2020\u003C\u002Ftd>\u003Ctd>ScottishPower appointed SoLR\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Gnergy\u003C\u002Ftd>\u003Ctd>March 2020\u003C\u002Ftd>\u003Ctd>Bulb appointed SoLR\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Better Energy\u003C\u002Ftd>\u003Ctd>March 2020\u003C\u002Ftd>\u003Ctd>Customers switched to PFP\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Breeze Energy\u003C\u002Ftd>\u003Ctd>December 2019\u003C\u002Ftd>\u003Ctd>British Gas appointed SoLR\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Toto\u003C\u002Ftd>\u003Ctd>October 2019\u003C\u002Ftd>\u003Ctd>EDF Energy appointed SoLR\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Eversmart\u003C\u002Ftd>\u003Ctd>September 2019\u003C\u002Ftd>\u003Ctd>Utilita appointed SoLR\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Solarplicity\u003C\u002Ftd>\u003Ctd>August 2019\u003C\u002Ftd>\u003Ctd>EDF appointed SoLR\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Brilliant Energy\u003C\u002Ftd>\u003Ctd>March 2019\u003C\u002Ftd>\u003Ctd>SSE appointed SoLR\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Cardiff Energy\u003C\u002Ftd>\u003Ctd>March 2019\u003C\u002Ftd>\u003Ctd>SSE appointed SoLR\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Economy Energy\u003C\u002Ftd>\u003Ctd>January 2019\u003C\u002Ftd>\u003Ctd>Ovo Energy appointed SoLR\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Our Power\u003C\u002Ftd>\u003Ctd>January 2019\u003C\u002Ftd>\u003Ctd>Utilita appointed SoLR\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>One Select\u003C\u002Ftd>\u003Ctd>December 2018\u003C\u002Ftd>\u003Ctd>Together Energy appointed SoLR\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Extra Energy\u003C\u002Ftd>\u003Ctd>November 2018\u003C\u002Ftd>\u003Ctd>Scottish Power appointed SoLR\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Spark Energy\u003C\u002Ftd>\u003Ctd>November 2018\u003C\u002Ftd>\u003Ctd>Ovo Energy appointed SoLR and acquired Spark Energy Ltd. operating group\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Usio Energy\u003C\u002Ftd>\u003Ctd>October 2018\u003C\u002Ftd>\u003Ctd>First Utility appointed SoLR\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Snowdrop Energy\u003C\u002Ftd>\u003Ctd>October 2018\u003C\u002Ftd>\u003Ctd>Transferring customers to Nabuh Energy\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Affect Energy\u003C\u002Ftd>\u003Ctd>August 2018\u003C\u002Ftd>\u003Ctd>Acquired by Octopus Energy\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Electraphase\u003C\u002Ftd>\u003Ctd>August 2018\u003C\u002Ftd>\u003Ctd>Administration. All customers switched\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Gen 4U\u003C\u002Ftd>\u003Ctd>July 2018\u003C\u002Ftd>\u003Ctd>Octopus Energy appointed SoLR\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Iresa\u003C\u002Ftd>\u003Ctd>July 2018\u003C\u002Ftd>\u003Ctd>Octopus Energy appointed SoLR\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Flow Energy\u003C\u002Ftd>\u003Ctd>May 2018\u003C\u002Ftd>\u003Ctd>Acquired by Co-Operative Energy\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Future Energy\u003C\u002Ftd>\u003Ctd>January 2018\u003C\u002Ftd>\u003Ctd>Green Star Energy appointed SoLR\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Brighter World Energy\u003C\u002Ftd>\u003Ctd>January 2018\u003C\u002Ftd>\u003Ctd>Customers moved to Robin Hood Energy\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>GB Energy\u003C\u002Ftd>\u003Ctd>November 2016\u003C\u002Ftd>\u003Ctd>Co-operative Energy appointed SoLR\u003C\u002Ftd>\u003C\u002Ftr>\n\u003C\u002Ftbody>\u003C\u002Ftable>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"b387ff35_dded_01ba_c5c5_c6c8e0f188ae\">\u003C\u002Fobject>\n\u003Ch2>Did Opus Energy go bust? \u003C\u002Fh2>\n\u003Cp>No. \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fsuppliers\u002Fopus-energy\u002F\">Opus Energy\u003C\u002Fa> didn't go bust, but did cease trading from September 2024, when EDF Energy took over its existing non-domestic energy contracts. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n0bc09458_cbc7_01de_6b5d_0b2edbcf41c3\">\u003C\u002Fobject>\n\u003Ch2>What's the difference between a business going bust and ceasing to trade?\u003C\u002Fh2>\n\u003Cp>When a business goes into liquidation - or 'goes bust' - it closes down completely and is removed from the Companies House register. Any assets are sold off to repay creditors. \u003C\u002Fp>\n\u003Cp>When a company ceases trading, it can still be registered as a limited company even though its business activities have ended. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n1191f93c_3649_01f1_e7d1_b2168670a6c4\">\u003C\u002Fobject>\n\u003Ch2>Why are energy suppliers going bust or ceasing to trade? \u003C\u002Fh2>\n\u003Cp>More than 70 energy suppliers have gone bust or ceased trading since 2016, affecting thousands of homes and businesses across the UK.  \u003C\u002Fp>\n\u003Cp>Several factors lead to suppliers no longer being able to trade, including:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Rising wholesale costs \u003C\u002Fstrong>- Wholesale energy costs are the prices suppliers pay to buy the gas and electricity they sell to you. Some suppliers set their rates low to entice new customers, but then come unstuck when wholesale prices suddenly soar and they lose money on those low-rate fixed-energy contracts.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Government levies \u003C\u002Fstrong>- The government has charges in place to support vulnerable customers and encourage the use of renewable energy sources, such as the \u003Ca href=\"https:\u002F\u002Fwww.ofgem.gov.uk\u002Fenvironmental-and-social-schemes\u002Frenewables-obligation-ro\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Renewables Obligation (RO)\u003C\u002Fa>. If suppliers can't afford to pay these levies, they're fined. This can be enough to put some suppliers out of business. Spark Energy, for instance, went bust days after it missed a deadline to make a £14.4 million RO payment.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>But why have wholesale costs risen to such levels that suppliers can't offer rates at previous levels and eventually go under? Again, there are several reasons, including:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Gas shortages across Europe\u003C\u002Fli>\n  \u003Cli>High demand for liquefied natural gas (LNG) from Asia   \u003C\u002Fli>\n  \u003Cli>Delays and complications to the Nord Stream 2 pipelines\u003C\u002Fli>\n  \u003Cli>Low winds have meant less renewable energy generation\u003C\u002Fli>\n  \u003Cli>A fire caused damage to an electricity interconnector between the UK and France\u003C\u002Fli>\n  \u003Cli>The conflict in Ukraine and the closing down of the Nord Stream 1 pipeline\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>To find out more, check out \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fwhats-going-on-with-energy-prices\u002F\">What is going on with energy prices in the UK?\u003C\u002Fa>\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n691c6d8f_b6ce_0172_db7b_71a74bf2bbcc\">\u003C\u002Fobject>\n\u003Ch2>How does Ofgem try to prevent future supplier failures?\u003C\u002Fh2>\n\u003Cp>Ofgem has strengthened its financial resilience rules since the 2021 energy crisis, requiring suppliers to hold more capital in reserve. \u003C\u002Fp>\n\u003Cp>Ofgem also estimates that if stricter cost-recovery rules had been in place during the 2021 crisis, \u003Ca href=\"https:\u002F\u002Fwww.ofgem.gov.uk\u002Fpress-release\u002Fofgem-reforms-rules-shield-consumers-cost-supplier-failures\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">around 60% of the total paid out to SoLRs through industry levies could have been avoided\u003C\u002Fa>. This is designed to reduce the cost of future failures being passed on to remaining customers through their bills.\u003C\u002Fp>\n\u003Ch2>How Bionic can help if your supplier goes bust\u003C\u002Fh2>\n\u003Cp>When an energy supplier goes bust, and you're appointed a Supplier of Last Resort, this switch will happen automatically. But you'll be on that supplier's standard variable or out-of-contract rate, which will be higher than many fixed rates on offer.\u003C\u002Fp>\n\u003Cp>One call to the energy experts at Bionic is all it takes to compare rates from a panel of suppliers and switch to a better deal. Click the Start a Quote button on the right-hand side of this page to see how much you could save.\u003C\u002Fp>\n\u003Ch2>FAQs on business energy suppliers going bust\u003C\u002Fh2>\n\u003Cp>Still unsure about what happens when a business energy supplier goes bust? Check out the answers to our most frequently asked questions: \u003C\u002Fp>\n\u003Ch3>Will my business lose power if my energy supplier goes bust?\u003C\u002Fh3>\n\u003Cp>No. Ofgem's safety net keeps your gas and electricity supply running as normal. You won't experience a disruption to your supply while a new supplier is appointed.\u003C\u002Fp>\n\u003Ch3>How quickly will I get a new energy supplier?\u003C\u002Fh3>\n\u003Cp>Ofgem usually announces your new Supplier of Last Resort within 72 hours of your old supplier going bust. The full switch is typically completed within 14 days.\u003C\u002Fp>\n\u003Ch3>Do I have to stay with the Supplier of Last Resort?\u003C\u002Fh3>\n\u003Cp>No. Once you're switched to your SoLR, you're free to move to a different supplier at any time. There are no exit fees for leaving a SoLR contract.\u003C\u002Fp>\n\u003Ch3>Will my new rates be more expensive?\u003C\u002Fh3>\n\u003Cp>Often, yes. SoLR customers are usually placed on a deemed or variable rate, which tends to be higher than a negotiated fixed deal. Comparing prices soon after the switch could help you find a better rate.\u003C\u002Fp>\n\u003Ch3>What happens to money I'm owed if I was in credit with my old supplier?\u003C\u002Fh3>\n\u003Cp>Ofgem will try to find a new supplier able to refund some or all of your credit balance, but this isn't guaranteed. If it can't be refunded automatically, you may need to register as a creditor with the failed supplier's administrator.\u003C\u002Fp>\n\u003Ch3>Do I still have to pay off debt owed to my old supplier?\u003C\u002Fh3>\n\u003Cp>Yes. Any debt you owed your old supplier is still due, either to your new supplier or to the administrator handling the failed company. You should consider agreeing a manageable repayment plan.\u003C\u002Fp>\n\u003Ch3>What should I do while I'm waiting for my new supplier to get in touch?\u003C\u002Fh3>\n\u003Cp>Take a meter reading, keep copies of old bills, and note your account balance. It's worth waiting until your new supplier is confirmed before cancelling any Direct Debit.\u003C\u002Fp>\n\u003Ch3>Why do energy suppliers go bust in the first place?\u003C\u002Fh3>\n\u003Cp>Most supplier failures are linked to rising wholesale energy costs combined with fixed-rate deals that were priced too low. Unpaid government levies, such as the Renewables Obligation, have also pushed some suppliers under.\u003C\u002Fp>",{"name":908,"type":15,"value":1773,"linkedItems":1775},[1774],"les_roberts",[],{"name":913,"type":15,"value":1777,"linkedItems":1778},[910],[],{"name":918,"type":919,"value":1780,"displayTimeZone":1781},"2021-11-22T00:00:00Z","UTC",{"name":923,"type":919,"value":1783,"displayTimeZone":921},"2026-07-27T23:00:00Z",{"name":925,"type":11,"value":1785},"what-if-your-business-energy-supplier-goes-bust\u002F",{"name":928,"type":7,"value":1787},"Has Your Energy Supplier Gone Bust? Here's What Happens Next",{"name":931,"type":7,"value":1789},"💡 If your energy supplier goes bust or stops trading, the Ofgem safety net ensures your supply isn't disrupted while a new supplier is found. Here's all you need to know 🦾",{"name":934,"type":935,"value":1791},[1792],{"name":938,"codename":939},{"name":941,"type":7,"value":1794},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fwhat-if-your-business-energy-supplier-goes-bust\u002F",{"name":944,"type":15,"value":1796,"linkedItems":1797},[],[],{"name":948,"type":15,"value":1799,"linkedItems":1801},[1800],"category___business_energy_guide",[],{"name":953,"type":15,"value":1803,"linkedItems":1804},[],[],{"name":958,"type":15,"value":1806,"linkedItems":1807},[],[],{"name":962,"type":23,"value":1809},[1810],{"name":1811,"description":1633,"type":28,"size":1812,"url":1635,"width":1637,"height":1636,"renditions":1813},"Bionic Energy Guide Images (2).png",976660,{},{"name":969,"type":935,"value":1815},[1816],{"name":972,"codename":973},{"name":975,"type":935,"value":1818},[1819],{"name":938,"codename":939},{"name":979,"type":935,"value":1821},[1822],{"name":938,"codename":939},{"name":983,"type":935,"value":1824},[1825],{"name":972,"codename":973},{"codename":1827,"collection":81,"id":1828,"language":81,"lastModified":1661,"name":1829,"sitemapLocations":1830,"type":990,"workflowStep":87,"workflow":81},"energy_guide___what_to_do_if_your_business_energy_","a15ee040-ed12-4ec1-acb0-2c75bffebbd5","ENERGY GUIDE - What to do if your business energy supplier goes bust",[],{"elements":1832,"system":1900},{"post__title":1833,"post__summary":1835,"post__content":1837,"post__author":1849,"post__reviewer":1852,"publish_date":1856,"updated_date":1858,"url":1860,"seo__meta_title":1862,"seo__meta_description":1864,"seo__add_no_index_tag":1865,"seo__canonical_url":1868,"related_articles":1870,"categories":1873,"subfolder":1876,"tags":1879,"thumbnail_image":1882,"show_on_index_page":1888,"hide_author":1891,"hide_reviewer":1894,"hide_tags":1897},{"name":146,"type":7,"value":1834},"How to make a complaint to or about your business energy supplier",{"name":748,"type":7,"value":1836},"If you have an issue with your business energy supplier, you may need to make a complaint to get it resolved. Here’s how to complain about your supplier.",{"images":1838,"linkedItemCodenames":1845,"linkedItems":1846,"links":1847,"name":905,"type":189,"value":1848},[1839],{"description":1840,"imageId":1841,"url":1842,"height":1843,"width":1844},"A woman rings holding an energy bill phones to make a complaint about her energy company","d93e28b2-b5c3-43e2-9303-d2b504c60505","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F2c9547ab-139a-405b-8cb1-705a1a803d23\u002FA%20woman%20rings%20holding%20an%20energy%20bill%20phones%20to%20make%20a%20complaint%20about%20her%20energy%20company.jpg",483,724,[],[],[],"\u003Cp>If your \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fbusiness-energy-bills\u002F\">business energy bills\u003C\u002Fa> aren’t accurate, you’re having issues with your supply, or your provider just isn’t offering the service that you expected, you’ll need to make a complaint to get it sorted. But, there’s a certain process you need to go through to make sure your complaint is heard and dealt with as efficiently as possible.\u003C\u002Fp>\n\u003Cp>Here’s all you need to know about complaining to, and about, your \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fbusiness-energy-suppliers\u002F\">business energy supplier\u003C\u002Fa>.\u003C\u002Fp>\n\u003Ch2>What is a business energy provider complaint?\u003C\u002Fh2>\n\u003Cp>This is simply the process of complaining to, or about, your \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002F\">business energy\u003C\u002Fa> provider. If you’re having a problem or issue with your supplier, you’ll first need to raise it with them and give them a chance to put things right. \u003C\u002Fp>\n\u003Cp>If they don’t sort the issue within a certain amount of time, you might be able to escalate the complaint to the \u003Ca href=\"https:\u002F\u002Fwww.ombudsman-services.org\u002F\">Energy Ombudsman\u003C\u002Fa>. But before we get into that, let’s take a look at the types of things you might need to complain about.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"d93e28b2-b5c3-43e2-9303-d2b504c60505\" data-image-id=\"d93e28b2-b5c3-43e2-9303-d2b504c60505\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F2c9547ab-139a-405b-8cb1-705a1a803d23\u002FA%20woman%20rings%20holding%20an%20energy%20bill%20phones%20to%20make%20a%20complaint%20about%20her%20energy%20company.jpg\" data-asset-id=\"d93e28b2-b5c3-43e2-9303-d2b504c60505\" data-image-id=\"d93e28b2-b5c3-43e2-9303-d2b504c60505\" alt=\"A woman rings holding an energy bill phones to make a complaint about her energy company\">\u003C\u002Ffigure>\n\u003Ch2>What can I complain about?\u003C\u002Fh2>\n\u003Cp>Although it’s unlikely that you’ll need to complain to your business energy provider, things do sometimes go wrong and need flagging. Here are some of the main reasons why you might need to make a complaint:\u003C\u002Fp>\n\u003Ch3>Late or inaccurate bills\u003C\u002Fh3>\n\u003Cp>If you’re not getting your bills on time, this can lead to all sorts of problems like missed or late payments and possibly even \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-finance\u002Fguides\u002Fsmall-business-cashflow-guide\u002F\">cash flow\u003C\u002Fa> issues. If your bills aren’t accurate, this could see you overpaying or underpaying for your energy. \u003C\u002Fp>\n\u003Cp>If you’re overpaying, then you’ll needlessly be spending money that could be used on other \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-finance\u002Fguides\u002Fcut-small-business-costs\u002F\">business costs\u003C\u002Fa>. Although you can claim this money back, it’s just more hassle that you don’t need.\u003C\u002Fp>\n\u003Cp>If you’re underpaying, then you’ll soon find yourself in debt with your energy supplier and you’ll need to work out a repayment plan to pay the money back. Again, more hassle that you could do without.\u003C\u002Fp>\n\u003Ch3>Not receiving energy bills\u003C\u002Fh3>\n\u003Cp>If you’re not getting your \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fbusiness-energy-bills\u002F\">energy bills\u003C\u002Fa> at all, then you’ll quickly fall behind on your payments and will eventually need to set up a repayment plan. If the problem persists long enough, you may be subject to recovery action from your supplier, who might even threaten you with disconnection.\u003C\u002Fp>\n\u003Ch3>Overcharging\u003C\u002Fh3>\n\u003Cp>If your energy bills are higher than you expected, it could be because your \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fswitch-suppliers\u002F\">energy supplier\u003C\u002Fa> is overcharging you. This can happen when your bills are estimated and will mean you’re needlessly spending money on energy you’re not using. The good news is that you can claim this money back from your supplier.\u003C\u002Fp>\n\u003Cp>If you’re not being overcharged, your bills could be high because you’re on an unsuitable deal or you’re paying out of contract or deemed rates. These are the rates your supplier puts you on if you don’t arrange a new energy deal before your current one expires. If this is the case, speak to the tech-enabled team at Bionic to see if you can switch to a better deal.\u003C\u002Fp>\n\u003Ch3>Problems with your account\u003C\u002Fh3>\n\u003Cp>If you’re having issues with any part of your \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002F\">business energy\u003C\u002Fa> account, from problems accessing your online portal to metering issues, then you need to raise the issue with your supplier as soon as possible.\u003C\u002Fp>\n\u003Ch3>Customer service\u003C\u002Fh3>\n\u003Cp>Although most switch energy to cut the cost of their energy bills, many consumers also decide to look for a new supplier because they’re getting a poor level of customer service from their current one. If you have an issue with your supplier, you’ll want to have it sorted as quickly and as painlessly as possible. \u003C\u002Fp>\n\u003Cp>But, some suppliers either don’t have the inclination or the capacity to offer the level of customer service that business owners need and deserve. \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.citizensadvice.org.uk\u002Fabout-us\u002Fabout-us1\u002Fmedia\u002Fpress-releases\u002Fworst-energy-suppliers-five-times-more-likely-to-provide-inaccurate-bills-than-the-best-ones-citizens-advice-research-reveals\u002F\">Figures from Citizens Advice\u003C\u002Fa> show that while the best suppliers respond to 86% of customer emails within two days, the worst suppliers only respond to 35% in this timely manner. If you’re with one of the lesser suppliers and you phone them with an issue, you can expect to wait more than six minutes for your call to be answered - 3.5 times longer than those with suppliers in the top five.\u003C\u002Fp>\n\u003Cp>At Bionic, we work with a panel of trusted suppliers who provide competitive rates with great customer service. If you’ve switched energy with us and you’re having a problem with your supplier, we can contact them on your behalf to help resolve your issue.\u003C\u002Fp>\n\u003Ch2>How can I make a complaint?\u003C\u002Fh2>\n\u003Cp>If you’re having trouble with your supplier, you’ll first need to raise it with them to give them a chance to put things right. If they can’t or won’t resolve the issue, you may then be able to escalate your complaint to the Energy Ombudsman.\u003C\u002Fp>\n\u003Ch2>What do I need to make a complaint?\u003C\u002Fh2>\n\u003Cp>When you make a complaint to or about your energy supplier, it helps if you can gather as much information or evidence as possible to support your claim. Try to have the following to hand:\u003C\u002Fp>\n\u003Ch3>Name on the bill & energy account number\u003C\u002Fh3>\n\u003Cp>Before any action can be taken, your supplier will need to know whose account they are dealing with. Make sure you can give them the full name on the bill (they might need your business name as well as your name) along with the account number. This can be found on your bill.\u003C\u002Fp>\n\u003Ch3>Photos\u002Fevidence of the meter\u003C\u002Fh3>\n\u003Cp>If you’re having issues with your meter or the amount you’re being billed, take some photos of the meter and the latest reading before contacting your supplier. They may also need to know the Meter Point Reference Number (MPRN) for gas and the Meter Point Administration Number (MPAN) for electricity. For more information on these numbers, check out our guide to \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fmpan-mprn-numbers\u002F\">MPAN and MPRN numbers\u003C\u002Fa>.\u003C\u002Fp>\n\u003Ch3>Copies of unusual bills\u003C\u002Fh3>\n\u003Cp>If you’re having billing issues, it will help your case if you have to hand copies of the bills in question, along with photos of your latest meter readings. If you don’t have paper bills, you’ll be able to find copies of your bills by checking your online account.\u003C\u002Fp>\n\u003Ch3>Previous email or phone correspondence evidence\u003C\u002Fh3>\n\u003Cp>When you make a complaint to your energy supplier, always make a note of the times and dates of any phone calls, along with a record of the name of the customer service representative you spoke to. If you’re complaining via email, always keep copies of your emails and any responses from your supplier.\u003C\u002Fp>\n\u003Ch2>How long does the complaint process take?\u003C\u002Fh2>\n\u003Cp>The complaint process is designed to be clear and timely. Suppliers must acknowledge any complaint within one to five working days and aim to resolve it within eight weeks. \u003C\u002Fp>\n\u003Cp>If the issue is unresolved, or you receive a “deadlock letter,” you can escalate to the Energy Ombudsman. This is a process most business cases see settled in six to eight weeks. In total, from raising a complaint to final resolution, it should take no more than three months, provided all information and evidence are provided efficiently.\u003C\u002Fp>\n\u003Ch2>Who can I make a complaint to about my energy provider\u003C\u002Fh2>\n\u003Cp>You can make a complaint to your energy supplier and the Energy Ombudsman. It might also be worth speaking to Citizens Advice for additional guidance and support if necessary.\u003C\u002Fp>\n\u003Ch3>Your energy supplier\u003C\u002Fh3>\n\u003Cp>If you have an issue with your supplier, you first need to raise it with them. Once they’ve logged your complaint, they have eight weeks to respond and try to put things right. If, after eight weeks, they’ve not resolved the problem or you’re not happy with the response or outcome, you might then have your complaint heard by the Energy Ombudsman. But, it might be worth getting some additional advice first.\u003C\u002Fp>\n\u003Ch3>Get in touch with Citizens Advice \u003C\u002Fh3>\n\u003Cp>If you’re having problems with your energy supplier, you won’t be the first person to have run into trouble with them. Citizens Advice has launched a \u003Ca href=\"https:\u002F\u002Fwww.citizensadvice.org.uk\u002Fabout-us\u002Four-work\u002Fcitizens-advice-consumer-work\u002Fsupplier-performance\u002Fenergy-supplier-performance\u002Fhow-does-your-business-energy-provider-stack-up\u002F\">non-domestic energy supplier performance league table\u003C\u002Fa> to compare how energy companies rank on handling complaints from best to worst.\u003C\u002Fp>\n\u003Cp>You can also contact them over the phone or by email to discuss your problem. You can find their contact details at the \u003Ca href=\"https:\u002F\u002Fwww.citizensadvice.org.uk\u002Fabout-us\u002Fcontact-us\u002Fcontact-us\u002Fcontact-us\u002F\">Citizens Advice contact us page\u003C\u002Fa>.\u003C\u002Fp>\n\u003Ch3>Take it further with the Energy Ombudsman\u003C\u002Fh3>\n\u003Cp>You can escalate your complaint to the Energy Ombudsman if the following apply:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>You’re a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-finance\u002Fguides\u002Fwhat-is-a-small-business\u002F\">microbusiness\u003C\u002Fa>\u003C\u002Fli>\n  \u003Cli>It’s been more than eight weeks since your first complaint \u003C\u002Fli>\n  \u003Cli>You’re not happy with the outcome of your complaint or it has reached a ‘deadlock’ and your supplier says it can do no more\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>In order for the Ombudsman to consider your complaint, you must refer the case within 12 months of receiving a deadlock letter.\u003C\u002Fp>\n\u003Cp>If you’ve switched energy with Bionic and you’re having a problem with your supplier, we can contact them on your behalf to help resolve your issue.\u003C\u002Fp>\n\u003Ch4>What complaints does the Energy Ombudsman handle?\u003C\u002Fh4>\n\u003Cp>If your complaint is about any of the following, the Energy Ombudsman should be able to look into it:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Billing issues – \u003C\u002Fstrong>This includes any issues relating to back-billing, late or missing bills, inaccurate or unclear bills, or disputed bills.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Installation faults and delays \u003C\u002Fstrong>– This includes meters that don’t record accurate readings and any other equipment faults.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Supply issues\u003C\u002Fstrong> – This includes any disruption to or complete loss of your energy supply. This includes loss of supply due to severe storms.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Contract issues\u003C\u002Fstrong> – This includes disputes over contract renewals or problems related to switching suppliers.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Mis-selling disputes\u003C\u002Fstrong> – If you have an issue with the contract you’ve been sold, or you feel it was mis-sold to you, the Ombudsman should look into it.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Poor customer service\u003C\u002Fstrong> - This includes unsatisfactory handling of your complaint and difficulty getting in touch with your supplier.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>The Energy Ombudsman will also look into problems with microgeneration and Feed-in Tariffs (FITs).\u003C\u002Fp>\n\u003Ch3>What complaints does the Energy Ombudsman not handle?\u003C\u002Fh3>\n\u003Cp>The Energy Ombudsman will not handle complaints related to liquid petroleum gas (LPG) or any commercial decisions made by your supplier, such as pricing.\u003C\u002Fp>\n\u003Ch2>What protection do I have when dealing with energy suppliers?\u003C\u002Fh2>\n\u003Cp>Business energy customers are protected by a range of regulations established by Ofgem and supported by the Energy Ombudsman. \u003C\u002Fp>\n\u003Cp>All suppliers must follow strict standards on fair treatment, transparent billing, and accessible complaint resolution. Microbusinesses and, from December 2024, most small businesses, can access free dispute resolution services from the Ombudsman, covering issues like billing, supply disruption, contract problems, or poor customer service. \u003C\u002Fp>\n\u003Cp>Suppliers are now required to signpost customers to Citizens Advice and provide support for vulnerable users. For contract disputes, mis-selling, or redress for supplier errors, independent intervention is available within 12 months of a complaint’s outcome.\u003C\u002Fp>\n\u003Ch2>How can I minimise the risk of future issues with energy suppliers?\u003C\u002Fh2>\n\u003Cp>To reduce the risk of future problems, always review contract terms carefully and keep clear records of all communication with your supplier. Monitor your business energy bills regularly for accuracy and act quickly if anything seems incorrect. \u003C\u002Fp>\n\u003Cp>Choose suppliers known for strong customer service and transparent practices. At Bionic, our panel includes only trusted, vetted providers. Consider using smart metering and digital tools to track energy usage and flag issues early, and set reminders for contract end dates to avoid moving onto expensive out-of-contract rates. \u003C\u002Fp>\n\u003Cp>Engaging a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fenergy-brokers-for-businesses\u002F\">business energy broker\u003C\u002Fa> or using a service like Bionic’s can simplify switching and renewal to ensure the best terms and proactive support for your business.\u003C\u002Fp>\n\u003Ch2>How to switch energy supplies with Bionic\u003C\u002Fh2>\n\u003Cp>If you’re having any issues with your current supplier, it might be time to switch.\u003C\u002Fp>\n\u003Cp>The simplest way to \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fwhen-to-switch-business-energy-supplier\u002F\">switch business energy supplier\u003C\u002Fa> is to let Bionic do the hard work. Give our tech-enabled experts a call on 0800 077 4673 or give us your postcode and we’ll call you back. \u003C\u002Fp>\n\u003Cp>We save time when comparing business energy suppliers by using smart data to find the details we need to start tailoring your quote. We then need a few more details about your business to compare quotes and deals from our panel of suppliers.\u003C\u002Fp>\n\u003Cp>One of our experts will then explain the quotes on screen and answer any questions. You choose the best deal, and we’ll handle the rest of the switch.\u003C\u002Fp>",{"name":908,"type":15,"value":1850,"linkedItems":1851},[1774],[],{"name":913,"type":15,"value":1853,"linkedItems":1855},[1854],"author___ed_whitworth",[],{"name":918,"type":919,"value":1857,"displayTimeZone":784},"2021-02-24T00:00:00Z",{"name":923,"type":919,"value":1859,"displayTimeZone":921},"2025-09-17T23:00:00Z",{"name":925,"type":11,"value":1861},"how-to-complain-business-energy-supplier\u002F",{"name":928,"type":7,"value":1863},"How to Complain About Your Commercial Energy Supplier | Bionic",{"name":931,"type":7,"value":1836},{"name":934,"type":935,"value":1866},[1867],{"name":938,"codename":939},{"name":941,"type":7,"value":1869},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fhow-to-complain-business-energy-supplier\u002F",{"name":944,"type":15,"value":1871,"linkedItems":1872},[],[],{"name":948,"type":15,"value":1874,"linkedItems":1875},[1800],[],{"name":953,"type":15,"value":1877,"linkedItems":1878},[],[],{"name":958,"type":15,"value":1880,"linkedItems":1881},[],[],{"name":962,"type":23,"value":1883},[1884],{"name":1885,"description":1840,"type":295,"size":1886,"url":1842,"width":1844,"height":1843,"renditions":1887},"A woman rings holding an energy bill phones to make a complaint about her energy company.jpg",183728,{},{"name":969,"type":935,"value":1889},[1890],{"name":972,"codename":973},{"name":975,"type":935,"value":1892},[1893],{"name":938,"codename":939},{"name":979,"type":935,"value":1895},[1896],{"name":938,"codename":939},{"name":983,"type":935,"value":1898},[1899],{"name":972,"codename":973},{"codename":1901,"collection":81,"id":1902,"language":81,"lastModified":1903,"name":1904,"sitemapLocations":1905,"type":990,"workflowStep":87,"workflow":81},"energy_guide___how_to_complain_about_your_business","1191faa0-3114-4df5-b5fb-596a8a0bc249","2025-09-25T12:30:35.1852239Z","ENERGY GUIDE - How to Complain About Your Business Energy Supplier",[],{"elements":1907,"system":2125},{"post__title":1908,"post__summary":1910,"post__content":1912,"post__author":2073,"post__reviewer":2076,"publish_date":2079,"updated_date":2081,"url":2083,"seo__meta_title":2085,"seo__meta_description":2087,"seo__add_no_index_tag":2089,"seo__canonical_url":2092,"related_articles":2094,"categories":2097,"subfolder":2100,"tags":2103,"thumbnail_image":2106,"show_on_index_page":2113,"hide_author":2116,"hide_reviewer":2119,"hide_tags":2122},{"name":146,"type":7,"value":1909},"The Bionic guide to VAT on business energy",{"name":748,"type":7,"value":1911},"VAT on gas and electricity for business is usually charged at 20%. Here’s how your business might be able to pay reduced VAT on energy bills for business.",{"images":1913,"linkedItemCodenames":1918,"linkedItems":1934,"links":2071,"name":905,"type":189,"value":2072},[1914],{"description":1915,"imageId":1916,"url":1917,"height":1636,"width":1637},"Hairdresser standing in her salon and using her laptop while calculating the VAT on her energy bills","15371137-591d-432b-b62f-67a8f91d5612","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Fd75e3238-6d05-4ed1-b4eb-a1cd5b81ea41\u002FBionic%20Energy%20Guide%20Images%20%281%29.webp",[1919,1920,1921,1922,1923,1924,1925,1926,1927,1928,1929,1930,1931,1932,1933],"n82385521_4ff2_01d6_b0c4_b8bb9e17d63a","n584757bd_02f0_01ff_c772_5f4e17b41979","n560075e9_bf2f_0180_3734_886bdee9f17b","n50f2226c_992c_010f_ecdc_1ce033b46043","n142775f5_c493_01ce_6b67_b1f20c074289","baa763e2_0af3_016e_e998_be5cc940a7fe","e7b8d961_1fe9_01fb_bddb_c9e867912a61","n38e9a309_cdce_012e_385d_a49ab880a8d3","n5e4d6955_c0da_0185_42f2_bff3568d7985","n71035c3d_c0d1_01ad_55ea_b6a17d9a2a38","d78ba825_14ff_0164_6f77_d33769b673c8","n3f40f756_0986_014f_51ed_128ba8757c38","n3e830e5a_97b4_0154_77cd_4669d7be6a65","n5447d971_0f68_016d_dc6f_6867c98eeb49","n8910cbd4_7938_014c_c2a1_5dc2f0311286",[1935,1945,1954,1963,1972,1981,1990,1999,2008,2017,2026,2035,2044,2053,2062],{"elements":1936,"system":1941},{"text":1937,"anchor_id":1939},{"name":188,"type":7,"value":1938},"What is VAT?",{"name":799,"type":7,"value":1940},"what-is-vat",{"codename":1919,"collection":81,"id":1942,"language":81,"lastModified":1943,"name":1942,"sitemapLocations":1944,"type":804,"workflowStep":784,"workflow":784},"82385521-4ff2-01d6-b0c4-b8bb9e17d63a","2026-07-23T16:05:15.2461243Z",[],{"elements":1946,"system":1951},{"text":1947,"anchor_id":1949},{"name":188,"type":7,"value":1948},"Is your business eligible for the reduced VAT rate?",{"name":799,"type":7,"value":1950},"is-your-business-eligible-for-reduced-vat-rate",{"codename":1920,"collection":81,"id":1952,"language":81,"lastModified":1943,"name":1952,"sitemapLocations":1953,"type":804,"workflowStep":784,"workflow":784},"584757bd-02f0-01ff-c772-5f4e17b41979",[],{"elements":1955,"system":1960},{"text":1956,"anchor_id":1958},{"name":188,"type":7,"value":1957},"How to apply for lower energy VAT rates",{"name":799,"type":7,"value":1959},"how-to-appy-for-lower-energy-vat-rates",{"codename":1921,"collection":81,"id":1961,"language":81,"lastModified":1943,"name":1961,"sitemapLocations":1962,"type":804,"workflowStep":784,"workflow":784},"560075e9-bf2f-0180-3734-886bdee9f17b",[],{"elements":1964,"system":1969},{"text":1965,"anchor_id":1967},{"name":188,"type":7,"value":1966},"Should your business be VAT-registered?",{"name":799,"type":7,"value":1968},"should-your-business-be-vat-registered",{"codename":1922,"collection":81,"id":1970,"language":81,"lastModified":1943,"name":1970,"sitemapLocations":1971,"type":804,"workflowStep":784,"workflow":784},"50f2226c-992c-010f-ecdc-1ce033b46043",[],{"elements":1973,"system":1978},{"text":1974,"anchor_id":1976},{"name":188,"type":7,"value":1975},"What does VAT apply to?",{"name":799,"type":7,"value":1977},"what-does-vat-apply-to",{"codename":1923,"collection":81,"id":1979,"language":81,"lastModified":1943,"name":1979,"sitemapLocations":1980,"type":804,"workflowStep":784,"workflow":784},"142775f5-c493-01ce-6b67-b1f20c074289",[],{"elements":1982,"system":1987},{"text":1983,"anchor_id":1985},{"name":188,"type":7,"value":1984},"Should you pay VAT on gas and electricity for business?",{"name":799,"type":7,"value":1986},"vat-on-business-energy",{"codename":1924,"collection":81,"id":1988,"language":81,"lastModified":1943,"name":1988,"sitemapLocations":1989,"type":804,"workflowStep":784,"workflow":784},"baa763e2-0af3-016e-e998-be5cc940a7fe",[],{"elements":1991,"system":1996},{"text":1992,"anchor_id":1994},{"name":188,"type":7,"value":1993},"How much VAT is charged on gas and electricity?",{"name":799,"type":7,"value":1995},"how-much-is-vat-on-business-energy",{"codename":1925,"collection":81,"id":1997,"language":81,"lastModified":1943,"name":1997,"sitemapLocations":1998,"type":804,"workflowStep":784,"workflow":784},"e7b8d961-1fe9-01fb-bddb-c9e867912a61",[],{"elements":2000,"system":2005},{"text":2001,"anchor_id":2003},{"name":188,"type":7,"value":2002},"How to find out your business energy VAT rates",{"name":799,"type":7,"value":2004},"how-to-find-business-energy-vat-rates",{"codename":1926,"collection":81,"id":2006,"language":81,"lastModified":1943,"name":2006,"sitemapLocations":2007,"type":804,"workflowStep":784,"workflow":784},"38e9a309-cdce-012e-385d-a49ab880a8d3",[],{"elements":2009,"system":2014},{"text":2010,"anchor_id":2012},{"name":188,"type":7,"value":2011},"What is the business energy VAT threshold?",{"name":799,"type":7,"value":2013},"what-is-the-business-energy-vat-threshold",{"codename":1927,"collection":81,"id":2015,"language":81,"lastModified":1943,"name":2015,"sitemapLocations":2016,"type":804,"workflowStep":784,"workflow":784},"5e4d6955-c0da-0185-42f2-bff3568d7985",[],{"elements":2018,"system":2023},{"text":2019,"anchor_id":2021},{"name":188,"type":7,"value":2020},"Do business energy quotes include VAT?",{"name":799,"type":7,"value":2022},"do-business-energy-quotes-include-vat",{"codename":1928,"collection":81,"id":2024,"language":81,"lastModified":1943,"name":2024,"sitemapLocations":2025,"type":804,"workflowStep":784,"workflow":784},"71035c3d-c0d1-01ad-55ea-b6a17d9a2a38",[],{"elements":2027,"system":2032},{"text":2028,"anchor_id":2030},{"name":188,"type":7,"value":2029},"Can your business claim VAT back?",{"name":799,"type":7,"value":2031},"can-your-business-claim-vat-back",{"codename":1929,"collection":81,"id":2033,"language":81,"lastModified":1943,"name":2033,"sitemapLocations":2034,"type":804,"workflowStep":784,"workflow":784},"d78ba825-14ff-0164-6f77-d33769b673c8",[],{"elements":2036,"system":2041},{"text":2037,"anchor_id":2039},{"name":188,"type":7,"value":2038},"Do charities pay vat on energy bills?",{"name":799,"type":7,"value":2040},"charity-vat-energy",{"codename":1930,"collection":81,"id":2042,"language":81,"lastModified":1943,"name":2042,"sitemapLocations":2043,"type":804,"workflowStep":784,"workflow":784},"3f40f756-0986-014f-51ed-128ba8757c38",[],{"elements":2045,"system":2050},{"text":2046,"anchor_id":2048},{"name":188,"type":7,"value":2047},"Can you claim backdated VAT overpayments on your energy bills?",{"name":799,"type":7,"value":2049},"claiming-backdated-vat",{"codename":1931,"collection":81,"id":2051,"language":81,"lastModified":1943,"name":2051,"sitemapLocations":2052,"type":804,"workflowStep":784,"workflow":784},"3e830e5a-97b4-0154-77cd-4669d7be6a65",[],{"elements":2054,"system":2059},{"text":2055,"anchor_id":2057},{"name":188,"type":7,"value":2056},"What is the Climate Change Levy?",{"name":799,"type":7,"value":2058},"what-is-the-climate-change-levy",{"codename":1932,"collection":81,"id":2060,"language":81,"lastModified":1943,"name":2060,"sitemapLocations":2061,"type":804,"workflowStep":784,"workflow":784},"5447d971-0f68-016d-dc6f-6867c98eeb49",[],{"elements":2063,"system":2068},{"text":2064,"anchor_id":2066},{"name":188,"type":7,"value":2065},"How to cut the cost of your business energy bills",{"name":799,"type":7,"value":2067},"how-to-cut-business-energy-bills",{"codename":1933,"collection":81,"id":2069,"language":81,"lastModified":1943,"name":2069,"sitemapLocations":2070,"type":804,"workflowStep":784,"workflow":784},"8910cbd4-7938-014c-c2a1-5dc2f0311286",[],[],"\u003Cp>If you run a business, VAT will add an extra 20% to the cost of your energy bills. Not an ideal situation, especially when \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fwhats-going-on-with-energy-prices\u002F\">energy prices are still high\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cp>There are certain circumstances in which your business might be eligible for a reduced rate of 5% VAT. But this discount isn't automatically given, so you'll need to apply to your business energy supplier if you qualify.  \u003C\u002Fp>\n\u003Cp>\u003Cstrong>From October 1, 2026\u003C\u002Fstrong>, low-usage businesses, charities or other businesses who qualify for the existing reduced 5% rate may qualify for the new 0% VAT rate.\u003C\u002Fp>\n\u003Cp>Let's take a closer look at VAT on business energy bills, including how to apply for a discounted rate if you're a charity, a non-profit or if you use a low amount of energy each year.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"15371137-591d-432b-b62f-67a8f91d5612\" data-image-id=\"15371137-591d-432b-b62f-67a8f91d5612\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Fd75e3238-6d05-4ed1-b4eb-a1cd5b81ea41\u002FBionic%20Energy%20Guide%20Images%20%281%29.webp\" data-asset-id=\"15371137-591d-432b-b62f-67a8f91d5612\" data-image-id=\"15371137-591d-432b-b62f-67a8f91d5612\" alt=\"Hairdresser standing in her salon and using her laptop while calculating the VAT on her energy bills\">\u003C\u002Ffigure>\n\u003Ch3>Five-point summary\u003C\u002Fh3>\n\u003Col>\n  \u003Cli>Business energy bills are typically charged a 20% VAT rate, but some businesses (charities, non-profits, and those with low energy usage) may qualify for a reduced 5% rate. This discount is not applied automatically, so eligible businesses must apply. \u003Cstrong>From October 1, 2026\u003C\u002Fstrong>, low-usage businesses, charities or other businesses that qualify for the existing reduced 5% rate may qualify for the new 0% VAT rate.\u003C\u002Fli>\n  \u003Cli>Businesses with a taxable turnover above £90,000 must register for VAT. VAT-registered businesses can claim back VAT on business expenses, including energy costs, but must also charge VAT on their services and file VAT returns quarterly.\u003C\u002Fli>\n  \u003Cli>Businesses using less than 3 3kWh of electricity or 145 kWh of gas per day qualify for the 5% VAT rate. Charities can also receive the reduced rate if over 60% of their energy is used for non-business activities or residential purposes.\u003C\u002Fli>\n  \u003Cli>Businesses that have overpaid VAT can claim a refund for up to four years by submitting a VAT declaration form to their energy supplier. If a company switches suppliers or has multiple locations, it must file separate claims with each provider.\u003C\u002Fli>\n  \u003Cli>Businesses paying 20% VAT are also charged the CCL, a tax designed to encourage energy efficiency. Those eligible for the 5% VAT rate are typically exempt, but companies can also sign a Climate Change Agreement (CCA) to receive a tax discount in exchange for improving energy efficiency.\u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n82385521_4ff2_01d6_b0c4_b8bb9e17d63a\">\u003C\u002Fobject>\n\u003Ch2>What is VAT?   \u003C\u002Fh2>\n\u003Cp>VAT is a government tax on services and goods. It is applied to goods bought or sold for consumption or use, including sports, utilities, transport and financial services.\u003C\u002Fp>\n\u003Cp>The standard UK VAT rate is currently 20%, but there are other VAT rates which you need to be aware of as a business, including reduced rates charged at 5%.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n584757bd_02f0_01ff_c772_5f4e17b41979\">\u003C\u002Fobject>\n\u003Ch2>Is your business eligible for the reduced rate of 5% VAT on energy?\u003C\u002Fh2>\n\u003Cp>You may be eligible to pay a reduced 5% rate of VAT on your energy bills if you meet certain requirements:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>At least 60% of your business’s energy is used for dwelling or residential accommodation.\u003C\u002Fli>\n  \u003Cli>You are a charitable or non-profit organisation.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You’re regarded as having low energy usage if:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>You use less than 33kWh of electricity per day or 1,000kWh per month.\u003C\u002Fli>\n  \u003Cli>You use less than 145kWh of gas per day or 4,397kWh per month. If your usage is low enough, your supplier should automatically apply the VAT discount to your bill – but you’ll have to check with them to make sure.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>If your business is eligible for the reduced 5% VAT rate on gas and electricity, your supplier should automatically apply the discount to your bill if you can provide a valid VAT certificate. \u003C\u002Fp>\n\u003Cp>If your business has been paying the standard rate of 20% while it's been eligible for the reduced rate, a partial refund can be claimed on any overpayments made during the last four years.\u003C\u002Fp>\n\u003Cp>To make a claim, contact your supplier and fill out a declaration form. You will have to contact multiple suppliers and fill in a declaration form from each if any of the following apply to your business:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>You've switched energy suppliers during the last four years or the period you're claiming for\u003C\u002Fli>\n  \u003Cli>You have more than one energy supplier (different suppliers for gas and electricity, for instance)\u003C\u002Fli>\n  \u003Cli> Your business has multiple sites that are eligible for the discount\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You can also get a declaration form from your supplier or from HMRC.\u003C\u002Fp>\n\u003Cp>Outside of business energy, you may be able to claim back any VAT paid on goods and services by using your online VAT account.\u003C\u002Fp>\n\u003Cp>For a full list of goods and services that VAT applies to, check out \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fguidance\u002Frates-of-vat-on-different-goods-and-services\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">VAT rates on different goods and services at GOV.UK\u003C\u002Fa>\u003C\u002Fp>\n\u003Ch2>Does your business qualify for the 0% VAT cut on energy bills?\u003C\u002Fh2>\n\u003Cp>Andy Burnham, the UK Prime Minister, has announced that VAT will be removed from \u003Cem>household electricity bills \u003C\u002Fem>for six months from October 1, 2026. This 0% rate will last until the end of the financial year in March 2027. \u003C\u002Fp>\n\u003Cp>Although this cut \u003Cem>doesn't explicitly apply to businesses, \u003C\u002Fem>those that qualify for domestic energy VAT relief and are not VAT registered, along with charities and residential care homes eligible for the reduced VAT rate, may also qualify.\u003C\u002Fp>\n\u003Cp>To qualify for domestic energy VAT relief, your business must use no more than 33 kWh for electricity per day or 1,000 kWh per month. This is known as the \"de minimis\" VAT rule \u003C\u002Fp>\n\u003Cp>This 0% VAT policy announcement may be subject to change in the coming months.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n560075e9_bf2f_0180_3734_886bdee9f17b\">\u003C\u002Fobject>\n\u003Ch2>How to apply for lower energy VAT rates\u003C\u002Fh2>\n\u003Cp>You can register for a lower VAT rate using a VAT Declaration Form – you can get this from your energy supplier. This form can be used to claim a rebate for any overpayments over the past four years, either from your energy supplier or from HMRC.\u003C\u002Fp>\n\u003Cp>If your organisation qualifies for a VAT discount, you’ll automatically be exempt from paying certain government levies too.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n50f2226c_992c_010f_ecdc_1ce033b46043\">\u003C\u002Fobject>\n\u003Ch2>Should your business be VAT-registered?\u003C\u002Fh2>\n\u003Cp>If your business’s taxable turnover is more than £90,000 per year, you must, by law, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-essentials\u002Fguides\u002Fhow-to-register-a-business\u002F\">register for VAT\u003C\u002Fa>. Businesses with an annual turnover of less than this can voluntarily register for VAT.\u003C\u002Fp>\n\u003Cp>When you register, HMRC will send you a VAT registration certificate. This confirms:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Your VAT number\u003C\u002Fli>\n  \u003Cli>When to submit your first VAT Return and payment\u003C\u002Fli>\n  \u003Cli>Your ‘effective date of registration’ (the date you went over the threshold or the date you asked to register)\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>If your business isn't legally required to be VAT-registered, it's still worth considering. VAT-registered businesses can add VAT to invoices and \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-essentials\u002Fguides\u002Fhow-to-claim-small-business-tax-refund\u002F\">claim back the VAT\u003C\u002Fa> on certain items and services, including \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fbusiness-gas\u002F\">business gas\u003C\u002Fa> and \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fbusiness-electricity\u002F\">business electricity\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cp>But being VAT-registered isn't without its downsides. If the company you're buying from isn't VAT-registered, you might not be able to claim back VAT on that purchase. And if you generate more VAT than you can reclaim, you could be hit with a hefty \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-essentials\u002Fguides\u002Fsmall-business-tax-returns\u002F\">VAT bill at year-end\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cp>As with everything in business, it's about weighing up the pros and cons and doing what's best for your business.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n142775f5_c493_01ce_6b67_b1f20c074289\">\u003C\u002Fobject>\n\u003Ch2>What does VAT apply to?\u003C\u002Fh2>\n\u003Cp>If VAT-registered, you’ll typically include 20% VAT in the price of your goods and services. This VAT needs to be paid to HM Revenue and Customs (HMRC) every three months.\u003C\u002Fp>\n\u003Cp>VAT isn’t charged on goods or services that are:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>exempt from VAT\u003C\u002Fli>\n  \u003Cli>outside the scope of the UK VAT system\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Yes, business gas and electricity are subject to VAT. If your business is VAT registered, then you should be able to recover the VAT as input tax on your business expenses, subject to the normal VAT deduction rules. \u003C\u002Fp>\n\u003Cp>It’s important to stay on top of your contract renewals to ensure you’re never paying more than you should. With our \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fblog\u002Fdigital-renewals\u002F\">Digital Renewals service\u003C\u002Fa>, we handle all of this for you, for good.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"baa763e2_0af3_016e_e998_be5cc940a7fe\">\u003C\u002Fobject>\n\u003Ch2>Should you pay VAT on gas and electricity for business?\u003C\u002Fh2>\n\u003Cp>VAT is payable on all business and domestic energy usage. This means you'll pay VAT on any gas and electricity you use for work purposes. This applies whether at your \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fbusiness-premises-guide\u002F\">business premises\u003C\u002Fa> or working from home. If your business is VAT registered, you should be able to claim back the VAT paid on your utility bills, as you can with other business-to-business transactions.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"e7b8d961_1fe9_01fb_bddb_c9e867912a61\">\u003C\u002Fobject>\n\u003Ch2>How much VAT is charged on gas and electricity?\u003C\u002Fh2>\n\u003Cp>For most businesses, the VAT rate on electricity and gas is 20%, but some are eligible for a discount. Your \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fbusiness-energy-suppliers\u002F\" title=\"Business Energy\">business energy supplier\u003C\u002Fa> will automatically add the VAT to your bill, so you need to apply for the discount separately.\u003C\u002Fp>\n\u003Cp>All businesses pay VAT on their energy bills, but you can recover some costs by switching utilities. Although you'll still pay the same rate of VAT, if your bills are cheaper, then you'll pay less in tax on them.\u003C\u002Fp>\n\u003Cp>VAT on domestic energy is charged at a rate of 5%, which is the rate you'll pay if you work from home. If you work remotely and have low energy usage, you might benefit from the lower rates offered by a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fhow-to-check-when-your-business-energy-tariff-is-ending\u002F\">business energy tariff\u003C\u002Fa>, along with the 5% VAT rate. \u003C\u002Fp>\n\u003Cp>To switch to a business energy deal when working or running your business from home, you'll need to prove that at least 50% of your household's energy usage is for business purposes.\u003C\u002Fp>\n\u003Ch3>How much is VAT on a July 2026 business electricity bill?\u003C\u002Fh3>\n\u003Cp>To give you an idea of how much your business electricity bill should be and how much VAT you can expect to pay, here are the average electricity bills by business size, along with the 5% and 20% VAT rates.\u003C\u002Fp>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Business size \u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Average business electricity bill (per year) \u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>VAT at 5% rate\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>VAT at 20% rate\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Microbusiness\u003C\u002Ftd>\u003Ctd>£3,178\u003Cbr>\n\u003Csub>(based on annual usage of 10,000 kWh) \u003C\u002Fsub>\u003C\u002Ftd>\u003Ctd>£159\u003C\u002Ftd>\u003Ctd>£636\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Small business\u003C\u002Ftd>\u003Ctd>£5,878\u003Cbr>\n\u003Csub>(based on annual usage of 20,000 kWh) \u003C\u002Fsub>\u003C\u002Ftd>\u003Ctd>£294\u003C\u002Ftd>\u003Ctd>£1,176\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Medium business\u003C\u002Ftd>\u003Ctd>£11,317\u003Cbr>\n\u003Csub>(based on annual usage of 40,000 kWh) \u003C\u002Fsub>\u003C\u002Ftd>\u003Ctd>£566\u003C\u002Ftd>\u003Ctd>£2,263\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Large business\u003C\u002Ftd>\u003Ctd>£15,071\u003Cbr>\n\u003Csub>(based on annual usage of 55,000 kWh) \u003C\u002Fsub>\u003C\u002Ftd>\u003Ctd>£736\u003C\u002Ftd>\u003Ctd>£3,014\u003C\u002Ftd>\u003C\u002Ftr>\n\u003C\u002Ftbody>\u003C\u002Ftable>\n\u003Cp>\u003Csup>Note: Prices are correct as of July 2026. Rates and bill size may vary according to your meter type and business location. The prices you’re quoted may be different from the averages shown. The figures shown are the average unit rates and standing charges received by Bionic from our panel of suppliers (inclusive of maximum Bionic commission), per business size thresholds, from July 1 to July 8, 2026.\u003C\u002Fsup>\u003C\u002Fp>\n\u003Ch3>How much is VAT on a July 2026 business gas bill?\u003C\u002Fh3>\n\u003Cp>To give you an idea of how much your business gas bill should be and how much VAT you can expect to pay, here are the average gas bills by business size, along with the 5% and 20% VAT rates.\u003C\u002Fp>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Business size \u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Average business gas bill (per year) \u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>VAT at 5% rate\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>VAT at 20% rate\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Microbusiness\u003C\u002Ftd>\u003Ctd>£1,233\u003Cbr>\n\u003Csub>(based on annual usage of 10,000 kWh) \u003C\u002Fsub>\u003C\u002Ftd>\u003Ctd>£62\u003C\u002Ftd>\u003Ctd>£247\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Small business\u003C\u002Ftd>\u003Ctd>£2,533\u003Cbr>\n\u003Csub>(based on annual usage of 22,500 kWh) \u003C\u002Fsub>\u003C\u002Ftd>\u003Ctd>£127\u003C\u002Ftd>\u003Ctd>£507\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Medium business\u003C\u002Ftd>\u003Ctd>£5,455\u003Cbr>\n\u003Csub>(based on annual usage of 47,500 kWh) \u003C\u002Fsub>\u003C\u002Ftd>\u003Ctd>£273\u003C\u002Ftd>\u003Ctd>£1,091\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Large business\u003C\u002Ftd>\u003Ctd>£6,593\u003Cbr>\n\u003Csub>(based on annual usage of 65,000 kWh) \u003C\u002Fsub>\u003C\u002Ftd>\u003Ctd>£330\u003C\u002Ftd>\u003Ctd>£1,319\u003C\u002Ftd>\u003C\u002Ftr>\n\u003C\u002Ftbody>\u003C\u002Ftable>\n\u003Cp>\u003Csup>Note: Prices are correct as of July 2026. Rates and bill size may vary according to your meter type and business location. The prices you’re quoted may be different from the averages shown. The figures shown are the average unit rates and standing charges received by Bionic from our panel of suppliers (inclusive of maximum Bionic commission), per business size thresholds, from July 1 to July 8, 2026.\u003C\u002Fsup>\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n38e9a309_cdce_012e_385d_a49ab880a8d3\">\u003C\u002Fobject>\n\u003Ch2>How to find out your business energy VAT rates\u003C\u002Fh2>\n\u003Cp>The simplest way to find out how much VAT you're paying is to look at your latest \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fbusiness-energy-bills\u002F\">business energy bill\u003C\u002Fa>. The rate and the amount you've paid that month should be shown with the total amount owed. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n5e4d6955_c0da_0185_42f2_bff3568d7985\">\u003C\u002Fobject>\n\u003Ch2>What is the business energy VAT threshold?\u003C\u002Fh2>\n\u003Cp>You should be eligible for a reduced rate of 5% VAT on your gas and electricity bills if your average daily usage is no more than 145 kWh of gas per day (4,397 kWh per month) and 33 kWh (1000 kWh per month) of business electricity.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n71035c3d_c0d1_01ad_55ea_b6a17d9a2a38\">\u003C\u002Fobject>\n\u003Ch2>Do business energy quotes include VAT?\u003C\u002Fh2>\n\u003Cp>No. When you get a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002F\" title=\"Business Energy\">quote for business energy\u003C\u002Fa>, it won't include VAT. This is because some businesses pay the reduced rate of VAT. If you're concerned about how much VAT will add to the cost of your \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fbusiness-energy-bills\u002F\">business energy bills\u003C\u002Fa>, our tech-enabled experts will be able to work out your rates with these costs added, so let them know when discussing your quotes.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"d78ba825_14ff_0164_6f77_d33769b673c8\">\u003C\u002Fobject>\n\u003Ch2>Can your business claim VAT back?\u003C\u002Fh2>\n\u003Cp>If your business is VAT registered, then you should be able to recover the VAT as input tax on your \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-essentials\u002Fguides\u002Fsmall-business-expenses\u002F\">business expenses\u003C\u002Fa>, subject to the normal VAT deduction rules. This applies regardless of the VAT rate charged.\u003C\u002Fp>\n\u003Cp>To check if and how much input tax your business can claim back, including VAT on energy costs, \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fguidance\u002Fvat-guide-notice-700#section10\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">check the government website for VAT Notice 700, section 10\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n3f40f756_0986_014f_51ed_128ba8757c38\">\u003C\u002Fobject>\n\u003Ch2>Do charities pay VAT on energy bills?\u003C\u002Fh2>\n\u003Cp>If you run a registered charity or non-profit organisation, you should be eligible for the reduced rate of 5% VAT on business gas and electricity. But, as with most tax-related issues, it's not as straightforward as it sounds and the reduction isn't automatically applied.\u003C\u002Fp>\n\u003Cp>Your charity will pay 5% VAT on energy if it meets one or more of the following conditions:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>At least 60% of the energy used is for residential accommodation, such as an elderly care home or a children’s home.\u003C\u002Fli>\n  \u003Cli>At least 60% of the energy used is for charitable non-business activities, such as free daycare for disabled people.\u003C\u002Fli>\n  \u003Cli>Your energy use is classed as 'small-scale'. This low usage is defined as 33kWh of electricity per day (1,000 kWh a month) and 145kWh of gas per day (4,397 kWh a month. It also includes the delivery of 2,300 litres of gas oil a month.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>If you use less than 60% of your energy of any of the above, then you'll pay the reduced rate of 5% VAT on the qualifying usage, and the standard 20% rate on the rest. \u003C\u002Fp>\n\u003Cp>If, for example, you have a commercial property that is 50% residential home and 50% office space for staff and admin usage, you'll only pay the reduced rate of VAT on the part of the building that's being used as a care home. \u003C\u002Fp>\n\u003Cp>\u003Cbr>\u003C\u002Fp>\n\u003Ch2>How to apply for VAT relief on energy bills\u003C\u002Fh2>\n\u003Cp>If your business is a registered charity and is eligible for VAT relief or a VAT rebate, you'll need to apply for it by filling in \u003Ca href=\"https:\u002F\u002Fwww.eonenergy.com\u002F-\u002Fmedia\u002FPDFs\u002FFor-your-business\u002FSME-PDFs\u002Fvat-declaration-form.pdf?la=en&hash=BB4DB4664E823611D12EEB55F990520882C6D4BD\">a VAT declaration form, such as this one from Eon\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cp>You'll be able to get a form by getting in touch with your supplier. If you have different suppliers for gas and electricity, you'll need to fill out a form for each.\u003C\u002Fp>\n\u003Cp>This discount isn't automatically applied, so your supplier will charge you 20% VAT on energy until you tell them you're eligible for a reduction.\u003C\u002Fp>\n\u003Cp>When claiming VAT relief, you'll need to give your supplier evidence that you're a charity. You can do this by using your Charity Commission registration number or a letter of recognition from HM Revenue and Customs (HMRC).\u003C\u002Fp>\n\u003Cp>As a registered charity, you'll also be exempt from paying the Climate Change Levy (CCL).\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n3e830e5a_97b4_0154_77cd_4669d7be6a65\">\u003C\u002Fobject>\n\u003Ch2>Can you claim backdated VAT overpayments on your energy bills? \u003C\u002Fh2>\n\u003Cp>You could be owed money if your business has been paying too much VAT on energy. Here’s what to do:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Check your bills\u003C\u002Fstrong> – Gather your energy invoices and look for VAT charges.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Know your timeframe\u003C\u002Fstrong> – You can claim back overpaid VAT for up to four years.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Get the right form\u003C\u002Fstrong> – Contact your energy supplier and ask for a VAT adjustment form.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Fill it in carefully\u003C\u002Fstrong> – Make sure you provide accurate details about the overpaid amounts.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Send it back\u003C\u002Fstrong> – Submit the completed form to your supplier for processing.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You can also backdate any claim for up to four years, meaning you'll get a partial refund on any extra VAT you've paid on your energy bills during that time. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n5447d971_0f68_016d_dc6f_6867c98eeb49\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What is the Climate Change Levy?\u003C\u002Fstrong>\u003C\u002Fh2>\n\u003Cp>The \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fthe-climate-change-levy\u002F\">Climate Change Levy (CCL)\u003C\u002Fa> is a tax designed to encourage energy efficiency and reduce gas emissions to make businesses more environmentally responsible. If you qualify for a reduced VAT, you’ll probably qualify for exemption from the main rates of CCL.\u003C\u002Fp>\n\u003Cp>The CCL is made up of two rates:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>The main levy rate\u003C\u002Fstrong> - If your business pays the standard 20%  rate of VAT then it will also be charged the CCL.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Carbon Price Support rate\u003C\u002Fstrong> - This is paid by owners of electricity generating stations and operators of combined heat and power (CHP) stations. If you generate your own energy and make money via the Feed-in Tariff or Smart Export Guarantee, it’s unlikely you’ll pay this as you’ll be classed as a small generator.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>What are the current Climate Change Levy rates?\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>The Climate Change Levy rates are adjusted each financial year. Here are the rates on each fuel type (referred to as a ‘taxable commodity’) for this year and next year.\u003C\u002Fp>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Taxable commodity\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Rate from April 1, 2023\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Rate from April 1, 2024\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Rate from April 1, 2025\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Rate from April 1, 2026\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Rate from April 1, 2027\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Electricity (£ per kilowatt-hour kWh)\u003C\u002Ftd>\u003Ctd>0.00775\u003C\u002Ftd>\u003Ctd>0.00775\u003C\u002Ftd>\u003Ctd>0.00775\u003C\u002Ftd>\u003Ctd>0.00801\u003C\u002Ftd>\u003Ctd>0.00827\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Gas (£ per kWh)\u003C\u002Ftd>\u003Ctd>0.00672\u003C\u002Ftd>\u003Ctd>0.00775\u003C\u002Ftd>\u003Ctd>0.00775\u003C\u002Ftd>\u003Ctd>0.00801\u003C\u002Ftd>\u003Ctd>0.00827\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>LPG (£ per kilogram kg)\u003C\u002Ftd>\u003Ctd>0.02175\u003C\u002Ftd>\u003Ctd>0.02175\u003C\u002Ftd>\u003Ctd>0.02175\u003C\u002Ftd>\u003Ctd>0.02175\u003C\u002Ftd>\u003Ctd>0.02175\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Any other taxable commodity (£ per kg)\u003C\u002Ftd>\u003Ctd>0.05258\u003C\u002Ftd>\u003Ctd>0.06064\u003C\u002Ftd>\u003Ctd>0.06064\u003C\u002Ftd>\u003Ctd>0.06264\u003C\u002Ftd>\u003Ctd>0.06468\u003C\u002Ftd>\u003C\u002Ftr>\n\u003C\u002Ftbody>\u003C\u002Ftable>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fguidance\u002Fclimate-change-levy-rates\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">\u003Csup>Source: GOV.UK\u003C\u002Fsup>\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>If you don’t qualify for an exemption from paying these rates, you could sign a Climate Change Agreement (CCA) to get a discount on the tax. In a CCA, you will have to agree to make certain energy efficiency improvements to reduce your business’s consumption and emissions.\u003C\u002Fp>\n\u003Ch3>\u003Cstrong>What is the percentage discount for holders of a CCA?\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Taxable commodity\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Rate from April 1, 2023\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Rate from April 1, 2024\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Rate from April 1, 2025\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Rate from April 1, 2026\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Rate from April 1, 2027\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Electricity\u003C\u002Ftd>\u003Ctd>92%\u003C\u002Ftd>\u003Ctd>92%\u003C\u002Ftd>\u003Ctd>92%\u003C\u002Ftd>\u003Ctd>92%\u003C\u002Ftd>\u003Ctd>92%\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Gas\u003C\u002Ftd>\u003Ctd>88%\u003C\u002Ftd>\u003Ctd>89%\u003C\u002Ftd>\u003Ctd>89%\u003C\u002Ftd>\u003Ctd>89%\u003C\u002Ftd>\u003Ctd>89%\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>LPG\u003C\u002Ftd>\u003Ctd>77%\u003C\u002Ftd>\u003Ctd>77%\u003C\u002Ftd>\u003Ctd>77%\u003C\u002Ftd>\u003Ctd>77%\u003C\u002Ftd>\u003Ctd>77%\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Any other taxable commodity\u003C\u002Ftd>\u003Ctd>88%\u003C\u002Ftd>\u003Ctd>89%\u003C\u002Ftd>\u003Ctd>89%\u003C\u002Ftd>\u003Ctd>89%\u003C\u002Ftd>\u003Ctd>89%\u003C\u002Ftd>\u003C\u002Ftr>\n\u003C\u002Ftbody>\u003C\u002Ftable>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fguidance\u002Fclimate-change-levy-rates\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">\u003Csup>Source: GOV.UK\u003C\u002Fsup>\u003C\u002Fa>\u003C\u002Fp>\n\u003Ch3>What are the current Carbon Price Support rates?\u003C\u002Fh3>\n\u003Cp>Although it’s unlikely your business will have to pay this portion of the CCL - unless you own an electricity-generating station or operate a combined heat and power (CHP) station - here are the current Carbon Price Support rates:\u003C\u002Fp>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Carbon Price Support rate commodity\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Gas\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Petroleum gas or other gaseous hydrocarbon in a liquid state\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Coal and other solid fossil fuels\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Unit\u003C\u002Ftd>\u003Ctd>£ per kilowatt hour (kWh)\u003C\u002Ftd>\u003Ctd>£ per kilogram (kg)\u003C\u002Ftd>\u003Ctd>£ per gigajoule (GJ) on gross calorific value (GCV)\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>April 1, 2016, to March 31, 2027\u003C\u002Ftd>\u003Ctd>0.00331\u003C\u002Ftd>\u003Ctd>0.05280\u003C\u002Ftd>\u003Ctd>1.54790\u003C\u002Ftd>\u003C\u002Ftr>\n\u003C\u002Ftbody>\u003C\u002Ftable>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fguidance\u002Fclimate-change-levy-rates\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">\u003Csup>Source: GOV.UK\u003C\u002Fsup>\u003C\u002Fa>\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n8910cbd4_7938_014c_c2a1_5dc2f0311286\">\u003C\u002Fobject>\n\u003Ch2>How to cut the cost of your business energy bills\u003C\u002Fh2>\n\u003Cp>Switching business energy with Bionic is a quick and simple way to cut the cost of your business energy bills. Our tech-enabled experts can compare rates in minutes, and we have access to exclusive deals from some of the UK’s top suppliers.\u003C\u002Fp>\n\u003Cp>Running a quick business energy comparison with the help of our tech-enabled experts means your business energy can be sorted in three simple steps: \u003C\u002Fp>\n\u003Col>\n  \u003Cli>\u003Cstrong>Enter your postcode - \u003C\u002Fstrong>Give us your business postcode and our tech-enabled energy team will use smart data to get the info we need to run a business energy comparison.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Get your quotes - \u003C\u002Fstrong>Our business energy experts \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002F\" title=\"Compare Business Energy\">compare business energy\u003C\u002Fa> suppliers to get your quotes and help you choose the best energy tariff for your business.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Switch business energy - \u003C\u002Fstrong>We contact the suppliers and handle the business energy switch for you. We’ll even take care of renewals to get you the best energy deals every year.\u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cp>Switching business energy with Bionic could save your business hundreds of pounds each year, but there’s more to it than just saving money - we only work with trusted suppliers who can offer a quality service alongside great rates. For more information on business energy, check out our \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fguides\u002F\">Bionic guides\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cp>And we can save you even more money by sorting your \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\">business insurance\u003C\u002Fa>, getting you a better deal on \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002F\">business connectivity\u003C\u002Fa> and finding more competitive rates on a range of \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-finance\u002F\">business finance\u003C\u002Fa> options.\u003C\u002Fp>\n\u003Cp>To find out more and to see how much you could save on your \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002F\">business essentials\u003C\u002Fa>, enter your postcode into the box on the right 👉\u003C\u002Fp>",{"name":908,"type":15,"value":2074,"linkedItems":2075},[1774],[],{"name":913,"type":15,"value":2077,"linkedItems":2078},[910],[],{"name":918,"type":919,"value":2080,"displayTimeZone":1781},"2025-06-06T09:00:00Z",{"name":923,"type":919,"value":2082,"displayTimeZone":921},"2026-07-22T15:00:00Z",{"name":925,"type":11,"value":2084},"vat-for-business-energy\u002F",{"name":928,"type":7,"value":2086},"How Much is VAT on Business Energy Bills? | Bionic",{"name":931,"type":7,"value":2088},"VAT on business energy is usually charged at 20%. Find out if your business can claim back VAT on business energy or pay the reduced VAT rate on business gas & electricity bills.",{"name":934,"type":935,"value":2090},[2091],{"name":938,"codename":939},{"name":941,"type":7,"value":2093},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fvat-for-business-energy\u002F",{"name":944,"type":15,"value":2095,"linkedItems":2096},[],[],{"name":948,"type":15,"value":2098,"linkedItems":2099},[1800],[],{"name":953,"type":15,"value":2101,"linkedItems":2102},[],[],{"name":958,"type":15,"value":2104,"linkedItems":2105},[],[],{"name":962,"type":23,"value":2107},[2108],{"name":2109,"description":1915,"type":2110,"size":2111,"url":1917,"width":1637,"height":1636,"renditions":2112},"Bionic Energy Guide Images (1).webp","image\u002Fwebp",251652,{},{"name":969,"type":935,"value":2114},[2115],{"name":972,"codename":973},{"name":975,"type":935,"value":2117},[2118],{"name":938,"codename":939},{"name":979,"type":935,"value":2120},[2121],{"name":938,"codename":939},{"name":983,"type":935,"value":2123},[2124],{"name":972,"codename":973},{"codename":2126,"collection":81,"id":2127,"language":81,"lastModified":1943,"name":2128,"sitemapLocations":2129,"type":990,"workflowStep":87,"workflow":81},"energy___vat_for_business_gas_and_electricity","b16e2f69-704a-4cac-8dff-51b49f7ffb40","ENERGY GUIDE - VAT on gas and electricity for business",[],[2131,2272,2502],{"elements":2132,"system":2267},{"post__title":2133,"post__summary":2135,"post__content":2137,"post__author":2215,"post__reviewer":2218,"publish_date":2222,"updated_date":2224,"url":2225,"seo__meta_title":2227,"seo__meta_description":2229,"seo__add_no_index_tag":2231,"seo__canonical_url":2234,"related_articles":2236,"categories":2239,"subfolder":2243,"tags":2246,"thumbnail_image":2249,"show_on_index_page":2255,"hide_author":2258,"hide_reviewer":2261,"hide_tags":2264},{"name":146,"type":7,"value":2134},"How much do we rely on WiFi?",{"name":748,"type":7,"value":2136},"WiFi is no longer a luxury — it's a necessity. We rely on the internet for almost everything. But have you ever considered how much time we spend online? Bionic has found some shocking stats in our investigative report. Read it now.",{"images":2138,"linkedItemCodenames":2170,"linkedItems":2175,"links":2213,"name":905,"type":189,"value":2214},[2139,2145,2150,2155,2160,2165],{"description":2140,"imageId":2141,"url":2142,"height":2143,"width":2144},"Infographic with text 'on average it takes you four minutes to make a cup of tea. Now make 198 cups of tea, that's how long you spend online a day.","d0f287d5-fd4b-4e7e-aa13-fb9b17c8087d","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Fd701bfb2-cf57-4b4f-a28c-d04226a6663b\u002FAsset%202%20%2811%29%20%281%29%20-%20cmp.jpg",2752,1920,{"description":2146,"imageId":2147,"url":2148,"height":2149,"width":2144},"Infographic with text - Brits spend 25 years of their working lifetime online","545fde56-22fb-450d-9a38-ae47075254f9","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Ff166b6e8-e866-4463-8252-33f194e4d2c4\u002FAsset%201%20-%20V1%20%283%29.jpg",1597,{"description":2151,"imageId":2152,"url":2153,"height":2154,"width":2144},"Infographic with text - The average person spends up to 36 years of their life online","8637ec86-7493-49b0-ab7e-2700acdcbb6d","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Feff2a346-09f5-4354-b70b-cca3e21400c3\u002FAsset%201%20-%20V3%20%281%29.jpg",1482,{"description":2156,"imageId":2157,"url":2158,"height":2159,"width":2144},"Infographics with text - Gen Alpha kids are expected to spend over 37 years of their life online","d11633b0-fd51-4d0f-8763-960b1f0f3922","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F7e895dc2-676e-47a3-95c6-b2f2696626aa\u002FAsset%201%20-%20V2%20%287%29.jpg",1535,{"description":2161,"imageId":2162,"url":2163,"height":2164,"width":2144},"Infographic stating the best and worst train operators for Wi-Fi in the UK","9d520c0d-998e-4c87-8a68-732350a86ebf","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F1b6862c4-2a45-4af2-8e84-23aed98bf886\u002FAsset%203%20%2810%29%20%281%29%20-%20cmp.jpg",3144,{"description":2166,"imageId":2167,"url":2168,"height":2169,"width":2144},"Infographic stating the best and worst airlines for Wi-Fi","d42269cf-87a4-4c70-b113-ad92448e0925","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F9c7f4350-5415-4fc1-bfd8-faff60922cf9\u002FAsset%204%20%2810%29%20%281%29%20%281%29%20-%20cmp.jpg",3060,[2171,2172,2173,2174],"b0562ded_0a11_01e4_2488_a3058dbd8cdd","a49cc660_1ea9_01a3_dfb8_67e87756926d","n00a7f611_0f5a_0183_63a0_25e0bdd33095","c2ae157c_bf6e_0126_30f1_cd25246199f4",[2176,2186,2195,2204],{"elements":2177,"system":2182},{"text":2178,"anchor_id":2180},{"name":188,"type":7,"value":2179},"How much screen time does the average Brit consume?",{"name":799,"type":7,"value":2181},"how-much-screen-time-is-the-average-brit-consuming-in-2024",{"codename":2171,"collection":81,"id":2183,"language":81,"lastModified":2184,"name":2183,"sitemapLocations":2185,"type":804,"workflowStep":784,"workflow":784},"b0562ded-0a11-01e4-2488-a3058dbd8cdd","2026-06-04T14:27:46.709953Z",[],{"elements":2187,"system":2192},{"text":2188,"anchor_id":2190},{"name":188,"type":7,"value":2189},"WiFi while travelling",{"name":799,"type":7,"value":2191},"wi-fi-whilst-travelling",{"codename":2172,"collection":81,"id":2193,"language":81,"lastModified":2184,"name":2193,"sitemapLocations":2194,"type":804,"workflowStep":784,"workflow":784},"a49cc660-1ea9-01a3-dfb8-67e87756926d",[],{"elements":2196,"system":2201},{"text":2197,"anchor_id":2199},{"name":188,"type":7,"value":2198},"The train operators with the worst WiFi connectivity",{"name":799,"type":7,"value":2200},"the-train-operators-with-the-worst-wi-fi-connectivity",{"codename":2173,"collection":81,"id":2202,"language":81,"lastModified":2184,"name":2202,"sitemapLocations":2203,"type":804,"workflowStep":784,"workflow":784},"00a7f611-0f5a-0183-63a0-25e0bdd33095",[],{"elements":2205,"system":2210},{"text":2206,"anchor_id":2208},{"name":188,"type":7,"value":2207},"The airlines with the best and worst WiFi",{"name":799,"type":7,"value":2209},"the-airlines-with-the-best-and-worst-wi-fi",{"codename":2174,"collection":81,"id":2211,"language":81,"lastModified":2184,"name":2211,"sitemapLocations":2212,"type":804,"workflowStep":784,"workflow":784},"c2ae157c-bf6e-0126-30f1-cd25246199f4",[],[],"\u003Cp>WiFi is no longer a luxury — it's a necessity. From the moment we wake up to the minute we go to bed, we rely on the internet for (almost) everything, from work and entertainment to keeping in touch with loved ones. Since COVID-19, its importance has soared to new heights, enabling remote work, powering entertainment, and driving small businesses forward through \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002F\">connectivity.\u003C\u002Fa> \u003C\u002Fp>\n\u003Cp>But just how reliant are we on WiFi?\u003C\u002Fp>\n\u003Cp>Bionic has discovered the extent of our dependency on connectivity by investigating how much time the average person spends online over a lifetime. We delved into the importance of WiFi in our day-to-day lives, covering activities from work and school, to travelling on trains and planes.  \u003C\u002Fp>\n\u003Cp>We analysed recommended and reported screen times across different ages and generations to determine exactly how much time we are spending online. This data highlighted our dependence on constant connectivity, expecting to stay online even when travelling across the country and the world. \u003C\u002Fp>\n\u003Cp>In light of this, we looked into what the best providers for onboard WiFi are for those travelling by trains and planes, whether for business or leisure. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"b0562ded_0a11_01e4_2488_a3058dbd8cdd\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How much screen time does the average Brit consume?\u003C\u002Fstrong>\u003C\u002Fh2>\n\u003Cp>Screen time is how long you spend glued to electronic devices like phones, tablets, computers, and TVs. We all love our screens, right? They keep us entertained, connected, and informed. But like everything in life, too much of a good thing can sometimes be, well, not so good.\u003C\u002Fp>\n\u003Cp>So, how much is too much? In the UK, there aren't strict rules about how much screen time is \"allowed\" for adults like there are for kids. However, experts suggest aiming for a healthy balance. That means making sure you're not spending all day, every day, in front of screens. Taking breaks, getting outside, and engaging in activities that don't involve screens are important.\u003C\u002Fp>\n\u003Ch3>\u003Cstrong>By the time someone is 65, they will have spent over 27 years of their life online\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>By looking at medically recommended and reported average UK screen time data across different ages, we’ve discovered that the average adult spends 76% of their waking hours online. By the time someone is 65, they will have spent over 27 years online- now, that’s a \u003Cem>very\u003C\u002Fem> long time! Our high screen time is largely a result of our lifestyle and working patterns, as so much of our habits and activity revolves around our screens, from working on laptops to scrolling social media to stay connected, and even streaming series to relax. \u003C\u002Fp>\n\u003Cfigure data-asset-id=\"d0f287d5-fd4b-4e7e-aa13-fb9b17c8087d\" data-image-id=\"d0f287d5-fd4b-4e7e-aa13-fb9b17c8087d\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Fd701bfb2-cf57-4b4f-a28c-d04226a6663b\u002FAsset%202%20%2811%29%20%281%29%20-%20cmp.jpg\" data-asset-id=\"d0f287d5-fd4b-4e7e-aa13-fb9b17c8087d\" data-image-id=\"d0f287d5-fd4b-4e7e-aa13-fb9b17c8087d\" alt=\"Infographic with text 'on average it takes you four minutes to make a cup of tea. Now make 198 cups of tea, that's how long you spend online a day.\">\u003C\u002Ffigure>\n\u003Cp>During adulthood, Brits will spend 223,015 hours online throughout their career. This equates to 9,292 whole days, or 25 years!\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"545fde56-22fb-450d-9a38-ae47075254f9\" data-image-id=\"545fde56-22fb-450d-9a38-ae47075254f9\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Ff166b6e8-e866-4463-8252-33f194e4d2c4\u002FAsset%201%20-%20V1%20%283%29.jpg\" data-asset-id=\"545fde56-22fb-450d-9a38-ae47075254f9\" data-image-id=\"545fde56-22fb-450d-9a38-ae47075254f9\" alt=\"Infographic with text - Brits spend 25 years of their working lifetime online\">\u003C\u002Ffigure>\n\u003Cp>If we consider the average British life expectancy of 81 years, the average Brit will spend 312,805 hours online, which equates to almost 36 years, another decade online just in retirement.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"8637ec86-7493-49b0-ab7e-2700acdcbb6d\" data-image-id=\"8637ec86-7493-49b0-ab7e-2700acdcbb6d\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Feff2a346-09f5-4354-b70b-cca3e21400c3\u002FAsset%201%20-%20V3%20%281%29.jpg\" data-asset-id=\"8637ec86-7493-49b0-ab7e-2700acdcbb6d\" data-image-id=\"8637ec86-7493-49b0-ab7e-2700acdcbb6d\" alt=\"Infographic with text - The average person spends up to 36 years of their life online\">\u003C\u002Ffigure>\n\u003Cp>Recent \u003Ca href=\"https:\u002F\u002Fwww.telegraph.co.uk\u002Fbusiness\u002F2024\u002F04\u002F19\u002Fquarter-seven-year-olds-own-smartphone-amid-social-media\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Ofcom research\u003C\u002Fa> suggests that nearly a quarter of five to seven-year-olds have a smartphone, and screen time doesn’t seem to be decreasing for future generations anytime soon…\u003C\u002Fp>\n\u003Cp>However, Gen Alpha faces the highest screen time of any other group. In line with their ‘iPad kid’ personas, they will have the highest average lifelong screen time of any other group. Thanks to growing up online and even using computers in classes at school, today’s kids are looking at spending, on average, 37 years of their lives online, which is more than 46.6% of their entire lifetime or 65% of their lifetime that they are awake. \u003C\u002Fp>\n\u003Cfigure data-asset-id=\"d11633b0-fd51-4d0f-8763-960b1f0f3922\" data-image-id=\"d11633b0-fd51-4d0f-8763-960b1f0f3922\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F7e895dc2-676e-47a3-95c6-b2f2696626aa\u002FAsset%201%20-%20V2%20%287%29.jpg\" data-asset-id=\"d11633b0-fd51-4d0f-8763-960b1f0f3922\" data-image-id=\"d11633b0-fd51-4d0f-8763-960b1f0f3922\" alt=\"Infographics with text - Gen Alpha kids are expected to spend over 37 years of their life online\">\u003C\u002Ffigure>\n\u003Cp>Although the length of time adults spend online may sound scary, it’s a simple fact that in today’s society, WiFi is essential for most jobs. So what about when you need to be connected for work while on the move?\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"a49cc660_1ea9_01a3_dfb8_67e87756926d\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>WiFi while travelling\u003C\u002Fstrong>\u003C\u002Fh2>\n\u003Cp>Picture this: you're on a train, your laptop open, trying to catch up on emails or prepare for that big presentation. But oh no, the WiFi is spotty at best, and your signal keeps dropping. Sound familiar? Think about all the valuable time and opportunities lost because of unreliable WiFi on trains and other public transport. That time spent twiddling your thumbs, waiting for pages to load or emails to send could be better spent brainstorming ideas, closing deals, or simply getting ahead on your workload.\u003C\u002Fp>\n\u003Cp>It's not just about individual frustration—it's also a real blow to businesses. Imagine the collective hours wasted by employees across the UK grappling with poor WiFi connections during their commutes or business trips. It adds up, and it's not just a minor inconvenience—it's a significant loss in productivity and efficiency.\u003C\u002Fp>\n\u003Cp>In a world where every minute counts, businesses can't afford to overlook the importance of reliable connectivity, especially for employees who are constantly on the move. This includes ensuring smooth virtual meetings, facilitating real-time collaboration, and allowing employees to maximise travel time.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n00a7f611_0f5a_0183_63a0_25e0bdd33095\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>The train operators with the worst WiFi connectivity\u003C\u002Fstrong>\u003C\u002Fh2>\n\u003Cfigure data-asset-id=\"9d520c0d-998e-4c87-8a68-732350a86ebf\" data-image-id=\"9d520c0d-998e-4c87-8a68-732350a86ebf\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F1b6862c4-2a45-4af2-8e84-23aed98bf886\u002FAsset%203%20%2810%29%20%281%29%20-%20cmp.jpg\" data-asset-id=\"9d520c0d-998e-4c87-8a68-732350a86ebf\" data-image-id=\"9d520c0d-998e-4c87-8a68-732350a86ebf\" alt=\"Infographic stating the best and worst train operators for Wi-Fi in the UK\">\u003C\u002Ffigure>\n\u003Cp>We looked at what proportion of each train operator's reviews included a negative sentiment about the WiFi onboard, and the overall rating of each train operator online to create a ranking, where the closer the total score is to one, the better the onboard connectivity will be for customers.\u003C\u002Fp>\n\u003Ch3>\u003Cstrong>ScotRail has the best WiFi connectivity in the UK\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>ScotRail has the best-rated WiFi of all the UK’s train operators, with the lowest complaints score compared to its fellow companies. Scotland's national railway line has just one negative review of their WiFi and had an overall rating of 3 out of 5, which gave them a score of 2.5. \u003C\u002Fp>\n\u003Ch3>Gatwick Express has the second-strongest connectivity onboard\u003C\u002Fh3>\n\u003Cp>The Gatwick Express ranks in second place, with a score of 3.5. Only 1.79% of the airport railway’s online reviews included a negative sentiment about the onboard WiFi, and the online overall ranking also gave the line a 3 out of 5, which contributed to its high ranking. Online reviewers commented that the “WiFi worked pretty well” and was pretty reliable. But this cannot be said for all customers.\u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Cross Country has the worst-rated onboard WiFi in the UK\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>Cross Country trains have the worst-rated WiFi in the UK, with the highest score of 21.8. This poor score is a reflection of the 4.74% of reviews that include a negative sentiment towards the WiFi performance, and the low overall review of the train operator, which only sits at 1.5 out of 5. Online reviews detail that the connectivity on board is “very poor” and “just DOESN’T WORK\", which explains why it sits at the bottom of our list.\u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Why is WiFi so bad on trains in the UK?\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>If you have a busy day ahead of you, it is a good idea not to rely too heavily on being able to work from the train. Instead, schedule your day around your travel plans, as WiFi on trains in the UK is as notoriously unreliable as the train timetables, so it is unlikely you are going to be able to tick many things off that to-do list.\u003C\u002Fp>\n\u003Cp>The reason behind this is due to the geographical challenges the landscape offers, from tunnels and rural areas leading to poor signal coverage and the need to frequently switch between cell towers. Infrastructure in the UK is limited and there are insufficient trackside boosters and antennas reducing connectivity capabilities. Upgrading this is extremely costly and complicated, and would still have varying levels of service quality across different train operators. To solve this, train operators and mobile network providers have to work together.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"c2ae157c_bf6e_0126_30f1_cd25246199f4\">\u003C\u002Fobject>\n\u003Ch2>The airlines with the best and worst WiFi\u003C\u002Fh2>\n\u003Cp>Many businesses require international travel, and for many long-haul flights, you need to be able to work while travelling across the globe. But which airlines give you the best in-flight WiFi and which leave you disconnected from the world?\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"d42269cf-87a4-4c70-b113-ad92448e0925\" data-image-id=\"d42269cf-87a4-4c70-b113-ad92448e0925\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F9c7f4350-5415-4fc1-bfd8-faff60922cf9\u002FAsset%204%20%2810%29%20%281%29%20%281%29%20-%20cmp.jpg\" data-asset-id=\"d42269cf-87a4-4c70-b113-ad92448e0925\" data-image-id=\"d42269cf-87a4-4c70-b113-ad92448e0925\" alt=\"Infographic stating the best and worst airlines for Wi-Fi\">\u003C\u002Ffigure>\n\u003Cp>By analysing the download speed, pricing packages and ranking of onboard entertainment (including WiFi) of the biggest airlines currently offering in-flight WiFi to discover the best and worst Airlines for those who need the internet to work while flying. The closer the score is to one, the better the onboard WiFi. \u003C\u002Fp>\n\u003Ch3>JetBlue has the best in-flight WiFi of all airlines\u003C\u002Fh3>\n\u003Cp>JetBlue has the highest rated onboard WiFi with a top score of 2.6. This is thanks to a high entertainment rating online of 4 out of 5, average WiFi speeds of 20Mbps, and the package being free for all customers. Online reviewers reported that the “free WiFi worked great” and that it was a “great surprise” as it can often come with a hefty price tag on other operators. \u003C\u002Fp>\n\u003Ch3>Hawaiian Airlines is the second-best airline for onboard connectivity\u003C\u002Fh3>\n\u003Cp>Hawaiian Airlines ranks second with a score of 3.8. The airline has an entertainment rating of 3.5 out of 5 and has even faster download speeds than JetBlue, at 100Mbps. Hawaiian Airlines also provides this for free for its customers, meaning they can continue with any urgent work or even just stream movies while on board. Customers were pleased to see they had “WiFi the entire flight”.\u003C\u002Fp>\n\u003Ch3>Philippine Airlines has the worst airline WiFi\u003C\u002Fh3>\n\u003Cp>Philippine Airlines came in last place in our ranking, with a poor score of 19.8, meaning it has the worst WiFi of all airlines analysed. Its poor online rating of its entertainment and WiFi only ranked at 2.5. Although not the lowest of the airlines, the WiFi speed only reaches 7 Kbps, which means flyers are left unimpressed by the offering. Most reviewers advised other customers to just expect the onboard WiFi not to work at all.\u003C\u002Fp>\n\u003Ch2>Why being connected is so important today\u003C\u002Fh2>\n\u003Cp>The internet is essential, especially for work. It became even more crucial during the pandemic, helping businesses survive by enabling remote work and online connections. In modern society, the internet is almost as essential as food and shelter, meeting our basic needs for communication, information, and connection.\u003C\u002Fp>\n\u003Ch3>How to stay secure and safe online\u003C\u002Fh3>\n\u003Cp>There are numerous ways to stay connected securely and safely:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Strong passwords: Use unique, complex passwords for each online account and consider using a password manager to keep track of them.\u003C\u002Fli>\n  \u003Cli>Update software: Keep your devices and software up to date to patch any security vulnerabilities.\u003C\u002Fli>\n  \u003Cli>Use HTTPS: Look for the padlock symbol and \"https:\u002F\u002F\" in the URL when browsing the web, especially for sensitive sites like banking or shopping.\u003C\u002Fli>\n  \u003Cli>Beware of scams: Be cautious of suspicious emails, messages, or links, and never give out personal information unless you're sure it's safe.\u003C\u002Fli>\n  \u003Cli>Secure WiFi connections: Avoid using public WiFi for sensitive activities like online banking. If you must use public WiFi, consider using a virtual private network (VPN) for added security.\u003C\u002Fli>\n  \u003Cli>Enable two-factor authentication: Enabling two-factor authentication, which requires a second form of verification in addition to your password, adds an extra layer of security to your accounts.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>We know how important WiFi connectivity is in everyday life and work. \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002Fbusiness-broadband\u002F\">Compare business broadband prices\u003C\u002Fa> today.\u003C\u002Fp>\n\u003Ch3>\u003Csup>Methodology\u003C\u002Fsup>\u003C\u002Fh3>\n\u003Cp>\u003Csup>We analysed the average screen time recommended for different age groups from 2 to 81 years old, on top of the reported average screen time for adults, which is \u003C\u002Fsup>\u003Ca href=\"https:\u002F\u002Fwww.lenstore.co.uk\u002Feyecare\u002Fscreentime-study\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">\u003Csup>13.2 hours a day\u003C\u002Fsup>\u003C\u002Fa>\u003Csup>, compared to the average \u003C\u002Fsup>\u003Ca href=\"https:\u002F\u002Fwww.medicalnewstoday.com\u002Farticles\u002F324799#how-much-sleep-do-you-need\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">\u003Csup>number of hours awake each day\u003C\u002Fsup>\u003C\u002Fa>\u003Csup>. \u003C\u002Fsup>\u003C\u002Fp>\n\u003Cp>\u003Csup>To look at the best and worst airlines' WiFi connectivity, we looked at the number of complaints online about each airline that included negative sentiments about the WiFi onboard, compared to the total number of reviews about the airline and indexed this alongside the pricing structure for the WiFi packages offered, all found using review platforms and the operator's own website. \u003C\u002Fsup>\u003C\u002Fp>\n\u003Cp>\u003Csup>For the best and worst train line WiFi’s we used the total number of negative WiFi reviews out of the total number of online reviews, analysed alongside the operator’s overall review out of five. For the rankings, the closer the score is to one, the better the onboard connectivity is, ie for WiFi on trains, if a train operator has a score of one, they have zero negative reviews of the WiFi onboard, and the operator has a 5\u002F5 ranking overall online.\u003C\u002Fsup>\u003C\u002Fp>",{"name":908,"type":15,"value":2216,"linkedItems":2217},[910],[],{"name":913,"type":15,"value":2219,"linkedItems":2221},[2220],"untitled_content_item_f4c4443",[],{"name":918,"type":919,"value":2223,"displayTimeZone":921},"2024-06-17T10:00:00Z",{"name":923,"type":919,"value":784,"displayTimeZone":784},{"name":925,"type":11,"value":2226},"how-much-do-brits-rely-on-wi-fi-2024\u002F",{"name":928,"type":7,"value":2228},"How Much Do We Rely On WiFi? 🌐",{"name":931,"type":7,"value":2230},"WiFi is essential for work, but how much time do we spend online, and which train and flight operators offer the best onboard WiFi when on the go?",{"name":934,"type":935,"value":2232},[2233],{"name":938,"codename":939},{"name":941,"type":7,"value":2235},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002Fguides\u002Fhow-much-do-brits-rely-on-wi-fi-2024\u002F",{"name":944,"type":15,"value":2237,"linkedItems":2238},[],[],{"name":948,"type":15,"value":2240,"linkedItems":2242},[2241],"category___business_connectivity_guide",[],{"name":953,"type":15,"value":2244,"linkedItems":2245},[],[],{"name":958,"type":15,"value":2247,"linkedItems":2248},[],[],{"name":962,"type":23,"value":2250},[2251],{"name":2252,"description":2146,"type":295,"size":2253,"url":2148,"width":2144,"height":2149,"renditions":2254},"Asset 1 - V1 (3).jpg",241624,{},{"name":969,"type":935,"value":2256},[2257],{"name":972,"codename":973},{"name":975,"type":935,"value":2259},[2260],{"name":938,"codename":939},{"name":979,"type":935,"value":2262},[2263],{"name":938,"codename":939},{"name":983,"type":935,"value":2265},[2266],{"name":972,"codename":973},{"codename":2268,"collection":81,"id":2269,"language":81,"lastModified":2184,"name":2270,"sitemapLocations":2271,"type":990,"workflowStep":87,"workflow":81},"connectivity_campaign___always_connected","7466d6d8-638a-48a7-abd0-4243250579ec","CONNECTIVITY CAMPAIGN - ALWAYS CONNECTED",[],{"elements":2273,"system":2497},{"post__title":2274,"post__summary":2276,"post__content":2278,"post__author":2447,"post__reviewer":2450,"publish_date":2453,"updated_date":2455,"url":2457,"seo__meta_title":2459,"seo__meta_description":2461,"seo__add_no_index_tag":2463,"seo__canonical_url":2466,"related_articles":2468,"categories":2471,"subfolder":2474,"tags":2477,"thumbnail_image":2480,"show_on_index_page":2486,"hide_author":2489,"hide_reviewer":2492,"hide_tags":2494},{"name":146,"type":7,"value":2275},"What is the digital switchover? Everything you need to know about the analogue phone switch off",{"name":748,"type":7,"value":2277},"The digital switchover - when all analogue phone lines will be turned off - has been put back until 2027. But there's no need to delay your switch to digital. Find out more.  ",{"images":2279,"linkedItemCodenames":2292,"linkedItems":2308,"links":2445,"name":905,"type":189,"value":2446},[2280,2286],{"description":2281,"imageId":2282,"url":2283,"height":2284,"width":2285},"A hand picking up a desk phone receiver on a desk. The caption reads: What is the digital switchover? UK landline switch‑off guide ","2a215fbf-598f-48fa-a48d-49e2c2c5218c","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F540c0d44-b919-4e16-b6af-7ba61eafc562\u002FBionic%20Energy%20Guide%20Images%20%285%29.png",2160,4096,{"description":2287,"imageId":2288,"url":2289,"height":2290,"width":2291},"Infographic explaining the digital switchover taking place in 2027","233f6d3d-129d-4f58-bee5-3ecc566c7371","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F3f971427-7de1-4db3-830f-d6b0c7a5d3a7\u002FBionic%20-%20Social%20Templates%20FBTwitter%20%282%29.jpg",1800,3200,[2293,2294,2295,2296,2297,2298,2299,2300,2301,2302,2303,2304,2305,2306,2307],"fc1a0610_2201_0183_e1c4_fd838ba63845","a9094cfa_a400_0141_1d84_53fba5f1faaa","df6c5ab9_efcd_01ad_f18b_938fcfb18e3e","c4202577_26ab_0190_ce11_2ffc47529f6b","n25a5b0d4_29e7_013c_7a48_a5747771e10e","n1e626b9b_4499_014e_27c6_19ab2d45ac83","n3c632e94_bcea_0103_6ebc_b81cb13b9ffe","n70e91c5b_321e_0108_2825_abc62974b21c","b281a3b4_185e_0132_b8b9_2a59050d39e1","n242b05ce_492d_0140_069f_c6a4cbeb4899","ecdc34be_8f89_01db_c5c4_2aa481575db3","d09d2784_6d5b_0180_30de_e3c3f9d18a81","n6097a9dd_899c_01c2_b274_753cc4c4b44e","adcdb9ef_815c_01b1_4a84_70a18e1dbbfd","n8aa9fd53_377a_017a_11e1_8c75847b6862",[2309,2319,2328,2337,2346,2355,2364,2373,2382,2391,2400,2409,2418,2427,2436],{"elements":2310,"system":2315},{"text":2311,"anchor_id":2313},{"name":188,"type":7,"value":2312},"What is the digital switchover?",{"name":799,"type":7,"value":2314},"what-is-the-digital-switchover-2025",{"codename":2293,"collection":81,"id":2316,"language":81,"lastModified":2317,"name":2316,"sitemapLocations":2318,"type":804,"workflowStep":784,"workflow":784},"fc1a0610-2201-0183-e1c4-fd838ba63845","2026-06-04T14:33:55.2621746Z",[],{"elements":2320,"system":2325},{"text":2321,"anchor_id":2323},{"name":188,"type":7,"value":2322},"Has the digital switchover been delayed?",{"name":799,"type":7,"value":2324},"has-digital-switchover-been-delayed",{"codename":2294,"collection":81,"id":2326,"language":81,"lastModified":2317,"name":2326,"sitemapLocations":2327,"type":804,"workflowStep":784,"workflow":784},"a9094cfa-a400-0141-1d84-53fba5f1faaa",[],{"elements":2329,"system":2334},{"text":2330,"anchor_id":2332},{"name":188,"type":7,"value":2331},"Why is the analogue copper landline network being switched off?",{"name":799,"type":7,"value":2333},"why-is-the-analogue-copper-landline-network-being-switched-off   ",{"codename":2295,"collection":81,"id":2335,"language":81,"lastModified":2317,"name":2335,"sitemapLocations":2336,"type":804,"workflowStep":784,"workflow":784},"df6c5ab9-efcd-01ad-f18b-938fcfb18e3e",[],{"elements":2338,"system":2343},{"text":2339,"anchor_id":2341},{"name":188,"type":7,"value":2340},"What will replace landlines in 2027?",{"name":799,"type":7,"value":2342},"what-will-replace-landlines-in-2025",{"codename":2296,"collection":81,"id":2344,"language":81,"lastModified":2317,"name":2344,"sitemapLocations":2345,"type":804,"workflowStep":784,"workflow":784},"c4202577-26ab-0190-ce11-2ffc47529f6b",[],{"elements":2347,"system":2352},{"text":2348,"anchor_id":2350},{"name":188,"type":7,"value":2349},"Who will be most affected by the landline switchover?",{"name":799,"type":7,"value":2351},"who-will-be-most-affected-by-the-landline-switchover",{"codename":2297,"collection":81,"id":2353,"language":81,"lastModified":2317,"name":2353,"sitemapLocations":2354,"type":804,"workflowStep":784,"workflow":784},"25a5b0d4-29e7-013c-7a48-a5747771e10e",[],{"elements":2356,"system":2361},{"text":2357,"anchor_id":2359},{"name":188,"type":7,"value":2358},"What does VoIP mean?",{"name":799,"type":7,"value":2360},"what-does-voip-mean",{"codename":2298,"collection":81,"id":2362,"language":81,"lastModified":2317,"name":2362,"sitemapLocations":2363,"type":804,"workflowStep":784,"workflow":784},"1e626b9b-4499-014e-27c6-19ab2d45ac83",[],{"elements":2365,"system":2370},{"text":2366,"anchor_id":2368},{"name":188,"type":7,"value":2367},"What is the difference between voice and data traffic?",{"name":799,"type":7,"value":2369},"what-is-the-difference-between-voice-and-data-traffic",{"codename":2299,"collection":81,"id":2371,"language":81,"lastModified":2317,"name":2371,"sitemapLocations":2372,"type":804,"workflowStep":784,"workflow":784},"3c632e94-bcea-0103-6ebc-b81cb13b9ffe",[],{"elements":2374,"system":2379},{"text":2375,"anchor_id":2377},{"name":188,"type":7,"value":2376},"What systems will be affected by the analogue switch off?",{"name":799,"type":7,"value":2378},"what-systems-will-be-affected-by-the-analogue-switch-off ",{"codename":2300,"collection":81,"id":2380,"language":81,"lastModified":2317,"name":2380,"sitemapLocations":2381,"type":804,"workflowStep":784,"workflow":784},"70e91c5b-321e-0108-2825-abc62974b21c",[],{"elements":2383,"system":2388},{"text":2384,"anchor_id":2386},{"name":188,"type":7,"value":2385},"What happens to a digital phoneline if there’s a power cut or broadband is down?",{"name":799,"type":7,"value":2387},"what-happens-to-a-digital-phoneline-if-theres-a-power-cut-or-broadband-is-down",{"codename":2301,"collection":81,"id":2389,"language":81,"lastModified":2317,"name":2389,"sitemapLocations":2390,"type":804,"workflowStep":784,"workflow":784},"b281a3b4-185e-0132-b8b9-2a59050d39e1",[],{"elements":2392,"system":2397},{"text":2393,"anchor_id":2395},{"name":188,"type":7,"value":2394},"When will the digital roll out and analogue switch off happen?",{"name":799,"type":7,"value":2396},"when-is-the-digital-roll-out-and-analogue-switch-off-happening ",{"codename":2302,"collection":81,"id":2398,"language":81,"lastModified":2317,"name":2398,"sitemapLocations":2399,"type":804,"workflowStep":784,"workflow":784},"242b05ce-492d-0140-069f-c6a4cbeb4899",[],{"elements":2401,"system":2406},{"text":2402,"anchor_id":2404},{"name":188,"type":7,"value":2403},"What steps should businesses take to prepare for the digital switchover?",{"name":799,"type":7,"value":2405},"what-steps-should-businesses-take-to-prepare-for-the-digital-switchover",{"codename":2303,"collection":81,"id":2407,"language":81,"lastModified":2317,"name":2407,"sitemapLocations":2408,"type":804,"workflowStep":784,"workflow":784},"ecdc34be-8f89-01db-c5c4-2aa481575db3",[],{"elements":2410,"system":2415},{"text":2411,"anchor_id":2413},{"name":188,"type":7,"value":2412},"Are there any legal compliances in place for businesses?",{"name":799,"type":7,"value":2414},"are-there-any-legal-compliances-in-place-for-businesses",{"codename":2304,"collection":81,"id":2416,"language":81,"lastModified":2317,"name":2416,"sitemapLocations":2417,"type":804,"workflowStep":784,"workflow":784},"d09d2784-6d5b-0180-30de-e3c3f9d18a81",[],{"elements":2419,"system":2424},{"text":2420,"anchor_id":2422},{"name":188,"type":7,"value":2421},"How will the digital switchover affect people or businesses in remote areas?",{"name":799,"type":7,"value":2423},"rural-areas",{"codename":2305,"collection":81,"id":2425,"language":81,"lastModified":2317,"name":2425,"sitemapLocations":2426,"type":804,"workflowStep":784,"workflow":784},"6097a9dd-899c-01c2-b274-753cc4c4b44e",[],{"elements":2428,"system":2433},{"text":2429,"anchor_id":2431},{"name":188,"type":7,"value":2430},"Will this make bills more expensive?",{"name":799,"type":7,"value":2432},"more-expensive",{"codename":2306,"collection":81,"id":2434,"language":81,"lastModified":2317,"name":2434,"sitemapLocations":2435,"type":804,"workflowStep":784,"workflow":784},"adcdb9ef-815c-01b1-4a84-70a18e1dbbfd",[],{"elements":2437,"system":2442},{"text":2438,"anchor_id":2440},{"name":188,"type":7,"value":2439},"How can Bionic help your business with the digital switchover?",{"name":799,"type":7,"value":2441},"how-can-bionic-help-your-business-with-the-digital-switchover ",{"codename":2307,"collection":81,"id":2443,"language":81,"lastModified":2317,"name":2443,"sitemapLocations":2444,"type":804,"workflowStep":784,"workflow":784},"8aa9fd53-377a-017a-11e1-8c75847b6862",[],[],"\u003Cp>The digital switchover, which will see all traditional landlines in the UK switched off, has been delayed from 2025 to 2027. \u003C\u002Fp>\n\u003Cp>This UK‑wide digital landline switchover applies to every region – from London, Manchester and Birmingham to more rural parts of Scotland, Wales, Northern Ireland and the English regions – because Openreach is upgrading the national phone network to all‑IP (internet-based) services.\u003C\u002Fp>\n\u003Cp>The analogue, copper wire phone network (also known as public switch telephone network - or PSTN) is still being retired, meaning you’ll no longer be able to use your landline phone from January 2027. \u003C\u002Fp>\n\u003Cp>If you have other systems connected to your phone line, like alarms, telecare systems, CCTV, or even some \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fhalf-hourly-meters\u002F\">half-hourly electricity meters\u003C\u002Fa>, then they’ll stop working too. \u003C\u002Fp>\n\u003Cp>This includes many home users and small businesses that still rely on analogue sockets for things like care alarms, door entry systems, card machines, lifts and telemetry devices.\u003C\u002Fp>\n\u003Cp>Unless you make the switch to digital. \u003C\u002Fp>\n\u003Cp>But what does that mean? And why is the old system getting switched off anyway? If you’re one of the \u003Ca href=\"https:\u002F\u002Fnbccloud.co.uk\u002Fare-businesses-ready-for-the-big-switch-off-2025\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">62.1% of business owners\u003C\u002Fa> still using a landline in 2024, this guide explains what the UK digital landline switchover is, when it’s happening, who it affects (including vulnerable customers), and the practical steps your business should take to stay connected.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"2a215fbf-598f-48fa-a48d-49e2c2c5218c\" data-image-id=\"2a215fbf-598f-48fa-a48d-49e2c2c5218c\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F540c0d44-b919-4e16-b6af-7ba61eafc562\u002FBionic%20Energy%20Guide%20Images%20%285%29.png\" data-asset-id=\"2a215fbf-598f-48fa-a48d-49e2c2c5218c\" data-image-id=\"2a215fbf-598f-48fa-a48d-49e2c2c5218c\" alt=\"A hand picking up a desk phone receiver on a desk. The caption reads: What is the digital switchover? UK landline switch‑off guide \">\u003C\u002Ffigure>\n\u003Ch2>Five-point summary of our guide to the digital switchover\u003C\u002Fh2>\n\u003Col>\n  \u003Cli>The UK is switching off the old copper PSTN landline network and moving all homes and businesses to digital landlines and VoIP by January 2027.\u003C\u002Fli>\n  \u003Cli>The switchover affects any device that uses an analogue phone line – including landlines, alarms, telecare systems, lifts, fax machines, card machines and some meters.\u003C\u002Fli>\n  \u003Cli>Most people will move to a digital phone service that runs over broadband; vulnerable customers and those without broadband will get extra support and tailored solutions.\u003C\u002Fli>\n  \u003Cli>Businesses should audit every line and device, upgrade to VoIP‑ready broadband and phone systems, test critical services and train staff before the switch‑off.\u003C\u002Fli>\n  \u003Cli>Bionic can help UK SMEs compare business broadband and VoIP, keep key numbers, and move to a future‑proof digital phone system with minimal disruption.\u003Cbr>\n\u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"fc1a0610_2201_0183_e1c4_fd838ba63845\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What is the digital switchover?\u003C\u002Fstrong>  \u003C\u002Fh2>\n\u003Cp>The digital switchover is the process of moving all UK landline calls from the old copper‑based PSTN (Public Switched Telephone Network) to newer digital phone services that run over broadband, usually using VoIP (Voice over Internet Protocol).\u003C\u002Fp>\n\u003Cp>To keep your landline and other PSTN systems running, you’ll need to switch to a digital, internet-based alternative such as Voice over Internet Protocol (VoIP).  \u003C\u002Fp>\n\u003Cp>Instead of your landline plugging into a traditional wall socket, most digital landlines will plug into a router or digital voice adapter, so an internet connection and local power supply are required.\u003C\u002Fp>\n\u003Cp>In 2016, it was announced that all analogue phone lines in the UK would be updated to digital internet-based services by 2025. Openreach, the BT Group company that looks after all UK phone and broadband lines, has pushed this back to 2027.\u003C\u002Fp>\n\u003Cp>Even so, if you currently use a landline in your home or business, you’ll be affected by the switch. It might be a good idea to start thinking about switching to digital as soon as possible.  \u003C\u002Fp>\n\u003Cp>Bionic can help you switch to superfast \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002Fbusiness-broadband\u002F\">business broadband\u003C\u002Fa> and a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002Fbusiness-voip\u002F\">VoIP\u003C\u002Fa> telephone line to help future-proof your business and maybe even get ahead of the competition.  \u003C\u002Fp>\n\u003Cp>VoIP phone services offer loads more features than current landline tech, so switching now could make a difference to how you do business. We’ll take a closer look at the pros and cons of switching later on, but first – why are we going to the trouble of switching everything off? \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"a9094cfa_a400_0141_1d84_53fba5f1faaa\">\u003C\u002Fobject>\n\u003Ch2>Has the digital switchover been delayed?\u003C\u002Fh2>\n\u003Cp>Originally planned to be completed by the end of 2025, the digital switchover has now been delayed until January 2027. This has been done so that broadband providers, telecare providers and consumers have more time to adapt.\u003C\u002Fp>\n\u003Cp>One of the major concerns is that telecare and alarm system providers haven't sufficiently upgraded their systems. Although some internet service providers (ISPs) can provide a limited battery backup to keep VoIP phones running if there's a power cut, these systems don’t always work properly with older alarm or telecare monitoring systems. This could put millions of vulnerable customers at risk.\u003C\u002Fp>\n\u003Cp>Large providers like BT, Sky and TalkTalk have restarted regional migrations to digital landlines and are working towards switching the UK off copper by the end of 2027, with extra protections in place for vulnerable customers and telecare users.\u003C\u002Fp>\n\u003Cp>For example, BT plans to move customers region by region and offer engineer visits and battery backup options to those with additional needs, such as people using health pendants or telecare alarms.\u003C\u002Fp>\n\u003Cp>The switchover will still be going ahead, so you should still plan to switch to digital as soon as possible.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"df6c5ab9_efcd_01ad_f18b_938fcfb18e3e\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Why is the analogue copper landline network being switched off?\u003C\u002Fstrong>   \u003C\u002Fh2>\n\u003Cp>As more UK homes and businesses use full fibre broadband, the cost and complexity of maintaining two networks (analogue copper and digital fibre) has increased, so providers are consolidating voice services on the newer, more resilient IP network.\u003Cbr>\n\u003Cbr>\n​Digital voice services also make it easier for providers to offer extra features, such as better call‑blocking for scams, clearer call quality and integration with smartphones and apps.\u003C\u002Fp>\n\u003Cp>Another reason is that the current PSTN system needs updating. The ageing analogue system is becoming increasingly expensive to run, and although a lot of work is needed to switch to digital, using the internet to make calls should be more cost-effective and even offer clearer calls with faster connection speeds.  \u003C\u002Fp>\n\u003Cp>The first copper phone line network was set up in 1877 and was designed to transmit voice calls. That’s why internet speeds aren’t as fast when data is sent along copper wires. \u003C\u002Fp>\n\u003Cp>The first fibre lines were introduced in 1977. This meant larger amounts of data – not just voice calls – could be sent more quickly and paved the way for the current broadband network.  \u003C\u002Fp>\n\u003Cp>The copper wires will no longer be used when PSTN is switched off, meaning all voice calls and other systems that were connected to the network will need an internet connection to work. \u003C\u002Fp>\n\u003Cp>Digital voice services are already being offered by some phone companies, but the main phone providers (BT, Sky, TalkTalk) have \u003Ca href=\"https:\u002F\u002Fwww.which.co.uk\u002Freviews\u002Fbroadband\u002Farticle\u002Fdigital-voice-and-the-landline-phone-switch-off-what-it-means-for-you-aPSOH8k1i6Vv%22%20\u002Fl%20%22when-will-my-landline-be-switched-off\">different timescales for their mandatory switchovers\u003C\u002Fa>. However, they are on target and expect all home phone and business customers to be digital by 2027. \u003C\u002Fp>\n\u003Cp>The switch won’t just affect landline phones, it will affect anything that connects to PSTN, including alarms, CCTV, and door-entry systems. To avoid disruption when the switchover happens, you should check with your provider to see if these systems will be digitally compatible or if they’ll need upgrading. \u003C\u002Fp>\n\u003Cfigure data-asset-id=\"233f6d3d-129d-4f58-bee5-3ecc566c7371\" data-image-id=\"233f6d3d-129d-4f58-bee5-3ecc566c7371\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F3f971427-7de1-4db3-830f-d6b0c7a5d3a7\u002FBionic%20-%20Social%20Templates%20FBTwitter%20%282%29.jpg\" data-asset-id=\"233f6d3d-129d-4f58-bee5-3ecc566c7371\" data-image-id=\"233f6d3d-129d-4f58-bee5-3ecc566c7371\" alt=\"Infographic explaining the digital switchover taking place in 2027\">\u003C\u002Ffigure>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"c4202577_26ab_0190_ce11_2ffc47529f6b\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What will replace landlines in 2027?\u003C\u002Fstrong>  \u003C\u002Fh2>\n\u003Cp>In practice, most UK landlines will be replaced by:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Digital landline or “Digital Voice” services that plug your home or office phone into the router instead of the wall socket.\u003C\u002Fli>\n  \u003Cli>VoIP phone systems for businesses. These are often bundled with full fibre or SoGEA broadband (see the table below for more on those).\u003C\u002Fli>\n  \u003Cli>App-based calling on mobiles and laptops, using the same business number across multiple devices.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Some providers will offer a voice‑only “digital phone line” for customers who do not want full broadband, so they can keep using a landline-style service without paying for a traditional broadband package.\u003C\u002Fp>\n\u003Cp>Although the official date of the digital switchover is the start of 2027, the test rollout has already begun, and many businesses have switched to VoIP. A study from Snom, pioneers in IP phone technology, found that the UK is switching to VoIP faster than other European countries.  \u003C\u002Fp>\n\u003Cp>But it looks like there’s still a lot of work to be done. Figures from a National Business Communications survey show that while more than two-thirds (62.1%) of businesses still use a landline, more than a third (37.9%) have no idea what the big analogue switch-off is\u003C\u002Fp>\n\u003Cp>That’s why it’s important to get on top of things now. Sam Hollands, Connectivity Operations Manager at Bionic, has said: \u003Cem>“The digital switchover is running to schedule, but if businesses don’t make the switch sooner rather than later, there could issues as the final switch-off date approaches. \u003C\u002Fem>\u003C\u002Fp>\n\u003Cp>\u003Cem>“A high volume of last-minute applications could mean some providers can't keep up with demand. This could leave some businesses without phone services until they connect to VoIP or another compatible service. That’s why it makes sense to future-proof your business by making the switch now.” \u003C\u002Fem>\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n25a5b0d4_29e7_013c_7a48_a5747771e10e\">\u003C\u002Fobject>\n\u003Ch2>Who will be most affected by the landline switchover?\u003C\u002Fh2>\n\u003Cp>Anyone who uses a phone line for any purpose will be affected, but here's a breakdown of specific sectors:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>UK homes and businesses that still use a traditional landline plugged into a wall socket.\u003C\u002Fli>\n  \u003Cli>People who use telecare or pendant alarms, health monitors or other assistive devices that dial over a landline.\u003C\u002Fli>\n  \u003Cli>Businesses that rely on analogue-connected devices like lift lines, alarm panels, fax machines, EPOS terminals or legacy CCTV.\u003C\u002Fli>\n  \u003Cli>Customers in rural and remote areas where the mobile signal is patchy, and landlines have been a lifeline.\u003Cbr>\nThese groups should speak to their phone or alarm provider well before the switch‑off date to make sure any critical services will still work on a digital phone line.]*\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n1e626b9b_4499_014e_27c6_19ab2d45ac83\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What does VoIP mean? And what about those other acronyms?\u003C\u002Fstrong>\u003C\u002Fh2>\n\u003Cp>Although the acronym may sound confusing, VoIP or ‘Voice Over Internet Protocol’ just means voice calls can be made via the internet rather than using a wire like the current system. \u003C\u002Fp>\n\u003Cp>A lot of phone users already use VoIP systems without even realising it. For example, the most popular examples of VoIP are Skype and WhatsApp. Often, VoIP options are good for businesses as calls and messaging costs less than regular calling or texting.  \u003C\u002Fp>\n\u003Cp>If you want a little bit more tech talk, when using VoIP your voice is converted into a series of digital packets which are transmitted across the internet to your recipients. \u003C\u002Fp>\n\u003Cp>So that’s VoIP sorted, but what are the other alternatives on offer to replace analogue? When your devices get switched over, they will be using an IP system like VoIP or SoGEA, which will be connected by either FTTC or FTTP. \u003C\u002Fp>\n\u003Cp>As you’d imagine, there’s lots of jargon and loads of confusing acronyms, so let us break it all down into simple terms.  \u003C\u002Fp>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>Name \u003C\u002Ftd>\u003Ctd>Acronym \u003C\u002Ftd>\u003Ctd>What’s it for? \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Internet Protocol \u003C\u002Ftd>\u003Ctd>IP \u003C\u002Ftd>\u003Ctd>It’s a unique code that identifies a device on the internet or local network. \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>ALL IP \u003C\u002Ftd>\u003Ctd>ALL IP \u003C\u002Ftd>\u003Ctd>The digital network that will replace PSTN. It means that all services can work over an IP (basically all services can work on the internet). \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Voice Over Internet Protocol  \u003C\u002Ftd>\u003Ctd>VoIP \u003C\u002Ftd>\u003Ctd>VoIP services convert your voice into a digital signal that travels via the Internet. Examples of VoIP are Skype and WhatsApp. \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Exchange  \u003C\u002Ftd>\u003Ctd>Exchange  \u003C\u002Ftd>\u003Ctd>The ‘exchange’ is a physical location where Internet Service Providers (ISPs) and CDNs (Content Delivery Networks) connect with each other. \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Fibre to the Premises \u003C\u002Ftd>\u003Ctd>FTTP \u003C\u002Ftd>\u003Ctd>FTTP means ‘fibre to the premises’ and is a connection that runs directly from the exchange to your property. \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Fibre to the Cabinet  \u003C\u002Ftd>\u003Ctd>FTTC \u003C\u002Ftd>\u003Ctd>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002Fguides\u002Ffttc-fibre-to-the-cabinet-broadband\u002F\">FTTC means ‘fibre to the cabinet’\u003C\u002Fa>. It uses fibre optic cables to the main exchange and copper wires to connect to your premises. \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Single Order Generic Ethernet Access \u003C\u002Ftd>\u003Ctd>SoGEA \u003C\u002Ftd>\u003Ctd>SoGEA only provides a broadband service rather than a package including a phone line. SoGEA is cheaper because it only provides data. \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Session Initiation Protocol trunks \u003C\u002Ftd>\u003Ctd>SIP trunks \u003C\u002Ftd>\u003Ctd>\u003Cp>SIP trunks just allow you to use VoIP by connecting your phone system a public phone network via the internet. SIP can connect to most existing systems so is often a popular choice as it’s so versatile. \u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003C\u002Ftd>\u003C\u002Ftr>\n\u003C\u002Ftbody>\u003C\u002Ftable>\n\u003Cp>For most small businesses in the UK, a hosted VoIP phone system feels like a smarter landline – you still dial normal UK numbers, but calls travel securely over the internet, and you can make and receive calls on desk phones, mobiles or softphone apps.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n3c632e94_bcea_0103_6ebc_b81cb13b9ffe\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What is the difference between voice and data traffic? \u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Data is anything you send or receive via the internet. With data (like photos, videos and web pages) information doesn’t have to be sent in sequence and can be re-sent at any time.  \u003C\u002Fp>\n\u003Cp>But with voice traffic (things like phone and video calls) the whole message has to travel in sequence in one continuous chunk. Think about it like this, a phone call would be all jumbled if your words were not sent in the correct order, with data it doesn’t matter as much. \u003C\u002Fp>\n\u003Cp>Although all these choices may sound overwhelming, the tech-enabled team at Bionic will be able to help you work out which option is best for you. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n70e91c5b_321e_0108_2825_abc62974b21c\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What systems will be affected by the analogue switch-off?\u003C\u002Fstrong>  \u003C\u002Fh2>\n\u003Cp>Although the digital switchover should run smoothly, you should check your systems for compatibility issues ahead of time. It’s always a good idea to research the main systems you use in your business, so you’re not left in the lurch at the last moment.  \u003C\u002Fp>\n\u003Cp>During the digital switchover, there will be changes to the way some older equipment works with new digital technology. If you use devices that are directly linked to your phone line (like telemetry devices) you should speak to the provider of those services to check if they will be compatible with the digital system. \u003C\u002Fp>\n\u003Cp>In many UK homes and premises, the “main” phone socket is not near the broadband router, or it may be hidden behind furniture, and any phones or devices plugged into extension sockets may stop working unless they are correctly rewired to the new digital phone service.\u003C\u002Fp>\n\u003Cp>Some older devices – including certain fax machines, modems and assisted‑living or fall‑detection devices – may be incompatible with newer digital voice services, so it’s vital to check with the manufacturer or service provider and upgrade where needed.\u003C\u002Fp>\n\u003Cp>Below are some examples of other devices that may be affected: \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Textphones\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>A textphone is a phone with a keyboard and a display screen, they are useful for deaf users as it allows them to communicate via typed messages rather than listening and speaking into the mouthpiece. \u003C\u002Fp>\n\u003Cp>A few different models of textphone have been analysed at the \u003Ca href=\"https:\u002F\u002Fbtplc.com\u002FDigitalServicesLab\u002Findex.htm\">BT Digital Services lab\u003C\u002Fa> during their switchover tests. The results concluded making textphone-to-textphone and text relay calls on IP networks was possible. However, the call quality can sometimes be affected by other data loading on the line. \u003C\u002Fp>\n\u003Cp>Keep in mind the free text relay service is available on the Relay UK app and is unaffected by the move to IP. The app can be used on any connected device like a phone, tablet, laptop or PC. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Amplified Phones\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Amplified phones are specifically designed for users with hearing loss as they have louder volume and better pitch control. \u003C\u002Fp>\n\u003Cp>Amplified phones have been tested at BT’s Digital Services lab too. All the devices tested performed well, even when packet loss and loading were added. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Intruder and telecare alarms\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Telecare alarms are automatic systems that alert help (for example a family member, care centre or medical aid) when the user presses a button. An intruder alarm protects your home or premises against break-ins and burglaries.  \u003C\u002Fp>\n\u003Cp>If you have intruder or telecare alarms that rely on your current analogue system, \u003Ca href=\"https:\u002F\u002Fbtplc.com\u002FDigitalServicesLab\u002Findex.htm\">it’s been reported\u003C\u002Fa> that most modern devices should be compatible with IP. But it’s always best to check with your provider in case you need to update your devices to a newer model, especially if you run a business like a care home where residents' lives may be at risk if their personal alarms stop working. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"b281a3b4_185e_0132_b8b9_2a59050d39e1\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What happens to a digital phone line if there’s a power cut or broadband is down?\u003C\u002Fstrong>  \u003C\u002Fh2>\n\u003Cp>The current analogue system is linked to your local telephone exchange which has its own power supply. At the moment your landline will work even if your electricity supply isn’t working, you’ll still be able to make calls if your electricity is down. \u003C\u002Fp>\n\u003Cp>But the new system \u003Cem>will\u003C\u002Fem> rely on your own electricity supply.  \u003C\u002Fp>\n\u003Cp>This means if there is a power cut or outage in your home or business premises, you won’t be able to make or take landline calls using the digital network. Any other devices and systems connected to the digital network will also stop working during an outage.  \u003C\u002Fp>\n\u003Cp>An alternative is to have a battery backup for your broadband router, then you will be able to access the internet even if there’s been a power cut. A mobile phone is also good to have as a backup.  \u003C\u002Fp>\n\u003Cp>To reduce the risk for vulnerable customers, many phone providers now offer options such as hybrid digital\u002F4G handsets, battery backup units for routers and dedicated “emergency backup line” solutions that can keep a basic phone service running for a limited period during a power cut.\u003C\u002Fp>\n\u003Cp>You can contact your provider directly to discuss your options or speak to the team at Bionic. Many of our preferred suppliers offer 4G backup as standard or as an add-on to make sure you’re never without a connection.  \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n242b05ce_492d_0140_069f_c6a4cbeb4899\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>When will the digital rollout and analogue phone switch-off happen?\u003C\u002Fstrong>  \u003C\u002Fh2>\n\u003Cp>All analogue systems will be turned off by January 2027, but Openreach will switch off UK services at different stages.  \u003C\u002Fp>\n\u003Cp>The first stage of the digital switchover is called the ‘stop sell’ phase and is already underway. Stop sell means that no new analogue services will be sold to customers after once an exchange area is 75% full-fibre enabled.\u003C\u002Fp>\n\u003Cp>When this happens, no more traditional phone line services and FTTC broadband will be sold to new and existing customers in that area. Openreach has stopped selling traditional phone lines in all exchange areas as of September 2023. \u003C\u002Fp>\n\u003Cp>This means that no new customers will be able to sign up for analogue services and those who want new services will have to go digital. Customers with current analogue services won’t be able to change anything about their analogue tariff either.  \u003C\u002Fp>\n\u003Cp>To reflect this change, at Bionic, we no longer offer traditional landline packages to help with the transition to fully digital services. You can read the full \u003Ca href=\"https:\u002F\u002Fwww.openreach.co.uk\u002Fcpportal\u002Fproducts\u002Fthe-all-ip-programme\u002Fstopsell-updates\">Openreach timeline here\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cp>In summary, the digital landline switchover timeline in the UK looks like this:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Stop-sell of new analogue phone lines across all Openreach exchanges (from September 2023).\u003C\u002Fli>\n  \u003Cli>Gradual migration of existing customers to digital landlines and VoIP, with regional rollouts by major providers between 2025 and 2027.\u003C\u002Fli>\n  \u003Cli>National switch‑off of the old PSTN copper phone network by the end of January 2027.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"ecdc34be_8f89_01db_c5c4_2aa481575db3\">\u003C\u002Fobject>\n\u003Ch2>What steps should businesses take to prepare for the digital switchover?\u003C\u002Fh2>\n\u003Cp>If you’re currently using systems linked to the analogue phone network, it’s best to start the transition now. To make sure your business is ready in time, follow these steps:\u003C\u002Fp>\n\u003Ch3>Conduct a digital readiness assessment\u003C\u002Fh3>\n\u003Cp>A simple digital readiness assessment helps UK businesses understand which locations, phone numbers, and critical systems will be affected by the landline switch‑off, so you can prioritise upgrades and avoid downtime.\u003C\u002Fp>\n\u003Cp>Digital readiness is basically the level of readiness a business has to move from traditional workflows (analogue in this case) to digital workflows using newer software and technology. This looks at processes but also employees’ skills too.\u003C\u002Fp>\n\u003Cp>One way to figure out if you are ready is to carry out a digital readiness assessment and answer these core questions:\u003C\u002Fp>\n\u003Col>\n  \u003Cli>Which parts of your business are already digital? \u003C\u002Fli>\n  \u003Cli>What needs to be digital? (equipment, payment terminals, for example)\u003C\u002Fli>\n  \u003Cli>Do your employees have the skills to use new digital technology?\u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cp>Once you’ve answered these questions — it’s time to get planning.\u003C\u002Fp>\n\u003Ch3>Develop a digital transition plan\u003C\u002Fh3>\n\u003Cp>Using the answers to the questions above — you’ll need to make an action plan outlining what you need to do for the transition.\u003C\u002Fp>\n\u003Cp>For example, part of your plan might look like this:\u003C\u002Fp>\n\u003Cp>\u003Cbr>\u003C\u002Fp>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Number\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Action\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>1\u003C\u002Ftd>\u003Ctd>Replace the landline with a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002Fbusiness-voip\u002F\">VoIP system\u003C\u002Fa>\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>2\u003C\u002Ftd>\u003Ctd>Move all customer and supplier details to the cloud\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>2\u003C\u002Ftd>\u003Ctd>Check if the existing payment terminals work with the digital system\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>3\u003C\u002Ftd>\u003Ctd>Check if the existing CCTV system can be connected to a digital system (upgrade if needed)\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>4\u003C\u002Ftd>\u003Ctd>Explain the transition with your employees to make them aware and discuss any training that’s needed.\u003C\u002Ftd>\u003C\u002Ftr>\n\u003C\u002Ftbody>\u003C\u002Ftable>\n\u003Cp>Once you’ve made an action plan for your business, it’s time to get digital!\u003C\u002Fp>\n\u003Ch3>Update or implement new technology\u003C\u002Fh3>\n\u003Cp>Check any monitored alarms, lifts, payment terminals and healthcare or assisted‑living devices with the provider to confirm they support digital voice or IP connections, and arrange an upgrade if they don’t.\u003C\u002Fp>\n\u003Cp>You may have found some systems that need replacing or upgrading to work with a digital system. \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>It’s best to upgrade to a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002Fbusiness-voip\u002F\">digital phone system\u003C\u002Fa> if you are currently using a traditional landline. There are several different VoIP handsets that are usually available, and in most cases, you can keep your existing phone number.\u003C\u002Fli>\n  \u003Cli>You’ll need to transfer all your important files to a digital cloud system — think of customer and supplier details that you need to access regularly. A cloud system normally comes as part of a digital phone system in a web-based app that you can install on your business computer, laptop or smartphone.\u003C\u002Fli>\n  \u003Cli>If you’re currently using analogue credit card terminals, these are unlikely to work properly with a digital phone system. You’ll need to upgrade to (wireless) \u003Ca href=\"https:\u002F\u002Fsmallbusiness.co.uk\u002F10-card-payment-machines-ideal-for-small-business-2558598\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">payment terminals\u003C\u002Fa> that connect to the internet through secure WiFi.\u003C\u002Fli>\n  \u003Cli>If you’re using an outdated CCTV system, you might need to buy a \u003Ca href=\"https:\u002F\u002Fwww.taylored.com\u002Fblog\u002Fupgrading-from-analog-to-ip-video-surveillance\u002F#:~:text=A%20video%20encoder%20connects%20to,LAN%2C%20WLAN%20or%20Internet).\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">video encoder\u003C\u002Fa> so your existing system still works, but it’s worth checking with the manufacturer if you aren’t sure.\u003C\u002Fli>\n  \u003Cli>Remember that if you don’t update all your systems that run on an analogue network, \u003Cem>they will stop working when the switch is carried out\u003C\u002Fem>.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>Provide training to staff\u003C\u002Fh3>\n\u003Cp>Next, it’s time to train your staff. Upgrading to digital technology should improve the efficiency of your small business, but only if you’re employees know how to use it all. \u003C\u002Fp>\n\u003Cp>Consider planning after-hours training to talk them through process changes and how to use the new systems, so they can get familiar without the pressure of waiting customers or heavy workloads. \u003C\u002Fp>\n\u003Ch3>Test and optimise systems\u003C\u002Fh3>\n\u003Cp>As with anything new, it doesn’t always go to plan the first time around. Expect some teething issues as your staff get used to new ways of working and monitor how your business operates using a fully digital system. \u003C\u002Fp>\n\u003Cp>If you’re using any adapters — like for VoIP telephone — check over time if they are reliable. If things aren’t working properly, it may be better, in the long run, to upgrade your equipment to a digitally compatible alternative.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"d09d2784_6d5b_0180_30de_e3c3f9d18a81\">\u003C\u002Fobject>\n\u003Ch2>Are there any legal compliances in place for businesses?\u003C\u002Fh2>\n\u003Cp>Since VoIP systems work by storing data online, you’ll need to be clued up on data protection regulations or (GDPR) if you aren’t already familiar with them. These regulations apply to all businesses in the UK, no matter your size. Find out more in our complete \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fgdpr-data-protection-guide\u002F\">guide to GDPR for small businesses\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cp>There are also other regulations that you should be aware of when using electronic communications, including The Privacy and Electronic Communications Regulations (PECR) set out by the \u003Ca href=\"https:\u002F\u002Fico.org.uk\u002Ffor-organisations\u002Fdirect-marketing-and-privacy-and-electronic-communications\u002Fguide-to-pecr\u002Fwhat-are-pecr\u002F#:~:text=They%20give%20people%20specific%20privacy,cookies%20(and%20similar%20technologies)%3B\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Information Commissioner's Office (ICO)\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cp>These are regulations on marketing calls, emails and SMSs, website cookies and website security. And because a cloud-based VoIP system works online — it’s more at risk of being hacked. So it’s worth learning what to watch out for to keep them out — read more in our guide to VoIP hacking.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n6097a9dd_899c_01c2_b274_753cc4c4b44e\">\u003C\u002Fobject>\n\u003Ch2>How will the digital switchover affect people or businesses in remote areas?\u003C\u002Fh2>\n\u003Cp>If your business is based in a rural or coastal area with limited fixed-line speeds but a reasonable mobile signal, a 4G or 5G broadband solution combined with VoIP may be the most reliable way to replace your analogue landline.\u003C\u002Fp>\n\u003Cp>Where fixed broadband and mobile coverage are both weak, speak to your provider early about resilience options and register any vulnerable users in the property so they can be prioritised for support.\u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.statista.com\u002Fstatistics\u002F1124328\u002Finternet-penetration-uk\u002F#:~:text=As%20of%20January%202023%2C%20nearly,United%20Kingdom%20as%20of%202023.\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">98% of the UK has access to an internet connection\u003C\u002Fa>, and you don’t need ultrafast broadband to make business calls over the internet. So even if you’re out in the sticks, if you have a reliable internet connection you’ll easily be able to make the switch. \u003C\u002Fp>\n\u003Cp>If you need help choosing a new business \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002Fbusiness-broadband\u002F\">broadband provider\u003C\u002Fa>, Bionic can help you find a competitive deal that suits the needs of your business.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"adcdb9ef_815c_01b1_4a84_70a18e1dbbfd\">\u003C\u002Fobject>\n\u003Ch2>Will this make bills more expensive?\u003C\u002Fh2>\n\u003Cp>No, bills shouldn’t be more expensive. Although digital solutions use new technology, they \u003Cem>are\u003C\u002Fem> affordable. In a lot of cases, they are more cost-effective than analogue solutions because they are in higher demand. \u003C\u002Fp>\n\u003Cp>Many providers offer tailored packages based on how many people use the system, so you only pay for what you need. Not only that, but VoIP call rates are usually cheaper than the standard business rates on landlines.\u003C\u002Fp>\n\u003Cp>Many UK households and SMEs find that moving to an all‑digital package (full fibre or SoGEA broadband plus VoIP or digital voice) works out cheaper than paying separate line rental and call charges on an ageing analogue service, especially where inclusive UK minutes are included.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n8aa9fd53_377a_017a_11e1_8c75847b6862\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How can Bionic help your business with the digital switchover?\u003C\u002Fstrong>  \u003C\u002Fh2>\n\u003Cp>At Bionic, we know that changes like the digital switchover can be overwhelming, but our helpful team are on hand to ensure your business doesn’t suffer and the process can run as smoothly as possible. \u003C\u002Fp>\n\u003Cp>We can compare VoIP options and provide advice on different digital avenues that might be best suited to your business. The switchover is fast approaching, so why not get it sorted sooner rather than later? Contact us today by clicking ‘Start a Quote’ on the righthand sidebar or call our tech-experts on \u003Cstrong>0800 860 6830.\u003C\u002Fstrong> \u003C\u002Fp>\n\u003Cp>Looking to save on other business essentials? At Bionic, we use smart technology combined with human expertise to compare quotes for \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002F\">business energy\u003C\u002Fa>, including \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fbusiness-electricity\u002F\">business electricity\u003C\u002Fa> and \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fbusiness-gas\u002F\">business gas\u003C\u002Fa> - from a range of trusted suppliers. \u003C\u002Fp>\n\u003Ch2>FAQs about the UK digital switchover\u003C\u002Fh2>\n\u003Cp>Here’s an at-a-glance guide to some of the most frequently asked questions about the digital switchover: \u003C\u002Fp>\n\u003Ch3>When will landlines be switched off in the UK?\u003C\u002Fh3>\n\u003Cp>All traditional PSTN landlines across the UK are due to be switched off by January 2027, with customers migrated to digital landlines and VoIP beforehand.\u003C\u002Fp>\n\u003Ch3>Does the digital switchover affect my business landline in England, Scotland, Wales and Northern Ireland?\u003C\u002Fh3>\n\u003Cp>Yes – every UK region will see analogue landlines replaced with digital services that run over broadband, so businesses in all nations need to prepare.\u003C\u002Fp>\n\u003Ch3>What should small businesses in UK cities like London, Manchester or Birmingham do to get ready for the landline switch‑off?\u003C\u002Fh3>\n\u003Cp>Urban businesses should review every phone line and device, upgrade to full fibre or SoGEA broadband where available and move to a VoIP or digital phone system in good time.\u003C\u002Fp>\n\u003Ch3>How will the digital landline switchover affect rural businesses and farms in remote parts of the UK?\u003C\u002Fh3>\n\u003Cp>Rural firms may need alternative options like 4G\u002F5G or satellite broadband plus VoIP, and should talk to providers early about coverage and resilience.\u003C\u002Fp>\n\u003Ch3>Are elderly or vulnerable people in the UK at risk of losing their landline during the digital switchover?\u003C\u002Fh3>\n\u003Cp>Providers and government have agreed on extra protections, with engineer visits, battery backups and tailored solutions to keep vulnerable and telecare users connected.\u003C\u002Fp>\n\u003Ch3>Will my alarm, lift line or telecare system still work after my UK landline is switched to digital?\u003C\u002Fh3>\n\u003Cp>Many modern systems are compatible with IP or digital voice, but you must check with your alarm or telecare provider and upgrade if necessary.\u003C\u002Fp>\n\u003Ch3>Do I need broadband if I only want a landline phone in my UK home?\u003C\u002Fh3>\n\u003Cp>Some providers will offer a digital phone line without a full broadband package, so you can keep a landline-style service without paying for standard home broadband.\u003C\u002Fp>\n\u003Ch3>How can Bionic help my UK business move from analogue landlines to VoIP and digital phone systems?\u003C\u002Fh3>\n\u003Cp>Bionic compares business broadband and VoIP deals from UK providers and helps you choose, set up and switch to a digital phone system that works across your locations.\u003C\u002Fp>",{"name":908,"type":15,"value":2448,"linkedItems":2449},[2220],[],{"name":913,"type":15,"value":2451,"linkedItems":2452},[1774],[],{"name":918,"type":919,"value":2454,"displayTimeZone":921},"2023-07-11T23:00:00Z",{"name":923,"type":919,"value":2456,"displayTimeZone":921},"2026-01-15T00:00:00Z",{"name":925,"type":11,"value":2458},"digital-switchover-analogue-phone-switch-off\u002F",{"name":928,"type":7,"value":2460},"Digital switchover 2027: UK Landline Switch‑off Guide for Business 🦾",{"name":931,"type":7,"value":2462},"The digital switchover, when all analogue phone lines will be turned off, has been delayed from 2025 until 2027. But there's no need to delay your switch to digital. Learn more.  ",{"name":934,"type":935,"value":2464},[2465],{"name":938,"codename":939},{"name":941,"type":7,"value":2467},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002Fguides\u002Fdigital-switchover-analogue-phone-switch-off\u002F",{"name":944,"type":15,"value":2469,"linkedItems":2470},[],[],{"name":948,"type":15,"value":2472,"linkedItems":2473},[2241],[],{"name":953,"type":15,"value":2475,"linkedItems":2476},[],[],{"name":958,"type":15,"value":2478,"linkedItems":2479},[],[],{"name":962,"type":23,"value":2481},[2482],{"name":2483,"description":2281,"type":28,"size":2484,"url":2283,"width":2285,"height":2284,"renditions":2485},"Bionic Energy Guide Images (5).png",6519744,{},{"name":969,"type":935,"value":2487},[2488],{"name":972,"codename":973},{"name":975,"type":935,"value":2490},[2491],{"name":938,"codename":939},{"name":979,"type":935,"value":2493},[],{"name":983,"type":935,"value":2495},[2496],{"name":972,"codename":973},{"codename":2498,"collection":81,"id":2499,"language":81,"lastModified":2317,"name":2500,"sitemapLocations":2501,"type":990,"workflowStep":87,"workflow":81},"digital_switchover_2025___all_you_need_to_know","d854c891-d768-4849-b5a6-6ed43c8e842d","CONNECTIVITY GUIDE - Digital Switchover 2027 – All you need to know",[],{"elements":2503,"system":2694},{"post__title":2504,"post__summary":2506,"post__content":2508,"post__author":2645,"post__reviewer":2648,"publish_date":2651,"updated_date":2653,"url":2654,"seo__meta_title":2656,"seo__meta_description":2658,"seo__add_no_index_tag":2660,"seo__canonical_url":2663,"related_articles":2665,"categories":2668,"subfolder":2671,"tags":2674,"thumbnail_image":2677,"show_on_index_page":2683,"hide_author":2686,"hide_reviewer":2689,"hide_tags":2691},{"name":146,"type":7,"value":2505},"8 common network problems and how businesses can fix them",{"name":748,"type":7,"value":2507},"Business networks are often more complicated than internet setups at home, so any problems that crop up can be more difficult to diagnose and fix. Here's how to troubleshoot and fix common network and connection issues.",{"images":2509,"linkedItemCodenames":2520,"linkedItems":2533,"links":2643,"name":905,"type":189,"value":2644},[2510,2514],{"description":2511,"imageId":2512,"url":2513,"height":1264,"width":1265},"Businessman looking at an internet failure screen on a computer in an office","d2f5b40a-c955-4c15-a4f6-9bbc3d860ec6","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F0ebab44e-7808-4cc3-8cb9-09eb524fb8e3\u002Fnetwork-issues.jpg",{"description":2515,"imageId":2516,"url":2517,"height":2518,"width":2519},"Quote by Tom Grange, Head of Connectivity - \"Network Management is the act of monitoring and managing the performance of your network in an agile way. A network management system links up to all your connected devices such as routers, switches, devices and access points to collect data on operating performance.\"","6f17d0a3-72bb-4636-97bb-29e39021d3f9","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Fdecc034b-a014-4dc7-b878-05cde4925c15\u002Foperating-performnace.png",500,1200,[2521,2522,2523,2524,2525,2526,2527,2528,2529,2530,2531,2532],"n58997c1a_e3e2_0109_65dc_a1173b60322f","n95f16cda_6ba3_0103_ed33_1c1c475dac16","n608944bd_f22e_01d2_28df_d5711193265c","aba3e2d1_2b1a_019f_4caa_3fc7675355a3","n0c110da6_fc9e_0193_e0e0_35bc3069df25","n493cee2b_8aee_01cc_ab97_31fd1a7c2ea1","cd9d1b24_3bf2_013e_df1f_9877466c6c10","n5a16be08_1960_0181_5821_546e0e55a0fd","n968dee89_3fae_017e_678a_935162d1d26a","c6c41f09_4147_0165_441f_495077cef409","n323e3934_78b4_016d_13ac_54641ddeede9","a9876604_7275_01d2_527f_ae79097ed2b7",[2534,2544,2553,2562,2571,2580,2589,2598,2607,2616,2625,2634],{"elements":2535,"system":2540},{"text":2536,"anchor_id":2538},{"name":188,"type":7,"value":2537},"What are network problems?",{"name":799,"type":7,"value":2539},"what-are-network-problems",{"codename":2521,"collection":81,"id":2541,"language":81,"lastModified":2542,"name":2541,"sitemapLocations":2543,"type":804,"workflowStep":784,"workflow":784},"58997c1a-e3e2-0109-65dc-a1173b60322f","2026-06-04T13:29:20.1025996Z",[],{"elements":2545,"system":2550},{"text":2546,"anchor_id":2548},{"name":188,"type":7,"value":2547},"Common business network problems",{"name":799,"type":7,"value":2549},"common-business-network-problems\n",{"codename":2522,"collection":81,"id":2551,"language":81,"lastModified":2542,"name":2551,"sitemapLocations":2552,"type":804,"workflowStep":784,"workflow":784},"95f16cda-6ba3-0103-ed33-1c1c475dac16",[],{"elements":2554,"system":2559},{"text":2555,"anchor_id":2557},{"name":188,"type":7,"value":2556},"Slow internet",{"name":799,"type":7,"value":2558},"slow-internet",{"codename":2523,"collection":81,"id":2560,"language":81,"lastModified":2542,"name":2560,"sitemapLocations":2561,"type":804,"workflowStep":784,"workflow":784},"608944bd-f22e-01d2-28df-d5711193265c",[],{"elements":2563,"system":2568},{"text":2564,"anchor_id":2566},{"name":188,"type":7,"value":2565},"Weak WiFi signal",{"name":799,"type":7,"value":2567},"weak-wifi-signal",{"codename":2524,"collection":81,"id":2569,"language":81,"lastModified":2542,"name":2569,"sitemapLocations":2570,"type":804,"workflowStep":784,"workflow":784},"aba3e2d1-2b1a-019f-4caa-3fc7675355a3",[],{"elements":2572,"system":2577},{"text":2573,"anchor_id":2575},{"name":188,"type":7,"value":2574},"WiFi blackspots",{"name":799,"type":7,"value":2576},"wifi-blackspots",{"codename":2525,"collection":81,"id":2578,"language":81,"lastModified":2542,"name":2578,"sitemapLocations":2579,"type":804,"workflowStep":784,"workflow":784},"0c110da6-fc9e-0193-e0e0-35bc3069df25",[],{"elements":2581,"system":2586},{"text":2582,"anchor_id":2584},{"name":188,"type":7,"value":2583},"Bandwidth & network usage",{"name":799,"type":7,"value":2585},"bandwidth-network-usage",{"codename":2526,"collection":81,"id":2587,"language":81,"lastModified":2542,"name":2587,"sitemapLocations":2588,"type":804,"workflowStep":784,"workflow":784},"493cee2b-8aee-01cc-ab97-31fd1a7c2ea1",[],{"elements":2590,"system":2595},{"text":2591,"anchor_id":2593},{"name":188,"type":7,"value":2592},"Slow DNS lookups",{"name":799,"type":7,"value":2594},"slow-dns-lookups",{"codename":2527,"collection":81,"id":2596,"language":81,"lastModified":2542,"name":2596,"sitemapLocations":2597,"type":804,"workflowStep":784,"workflow":784},"cd9d1b24-3bf2-013e-df1f-9877466c6c10",[],{"elements":2599,"system":2604},{"text":2600,"anchor_id":2602},{"name":188,"type":7,"value":2601},"IP address exhaustion",{"name":799,"type":7,"value":2603},"ip-address-exhaustion",{"codename":2528,"collection":81,"id":2605,"language":81,"lastModified":2542,"name":2605,"sitemapLocations":2606,"type":804,"workflowStep":784,"workflow":784},"5a16be08-1960-0181-5821-546e0e55a0fd",[],{"elements":2608,"system":2613},{"text":2609,"anchor_id":2611},{"name":188,"type":7,"value":2610},"Problems validating your IP address request",{"name":799,"type":7,"value":2612},"problems-validating-your-ip-address-request\n",{"codename":2529,"collection":81,"id":2614,"language":81,"lastModified":2542,"name":2614,"sitemapLocations":2615,"type":804,"workflowStep":784,"workflow":784},"968dee89-3fae-017e-678a-935162d1d26a",[],{"elements":2617,"system":2622},{"text":2618,"anchor_id":2620},{"name":188,"type":7,"value":2619},"Hardware issues",{"name":799,"type":7,"value":2621},"hardware-issues",{"codename":2530,"collection":81,"id":2623,"language":81,"lastModified":2542,"name":2623,"sitemapLocations":2624,"type":804,"workflowStep":784,"workflow":784},"c6c41f09-4147-0165-441f-495077cef409",[],{"elements":2626,"system":2631},{"text":2627,"anchor_id":2629},{"name":188,"type":7,"value":2628},"How to identify network problems",{"name":799,"type":7,"value":2630},"how-to-identify-network-problems",{"codename":2531,"collection":81,"id":2632,"language":81,"lastModified":2542,"name":2632,"sitemapLocations":2633,"type":804,"workflowStep":784,"workflow":784},"323e3934-78b4-016d-13ac-54641ddeede9",[],{"elements":2635,"system":2640},{"text":2636,"anchor_id":2638},{"name":188,"type":7,"value":2637},"How Bionic can help",{"name":799,"type":7,"value":2639},"how-bionic-can-help",{"codename":2532,"collection":81,"id":2641,"language":81,"lastModified":2542,"name":2641,"sitemapLocations":2642,"type":804,"workflowStep":784,"workflow":784},"a9876604-7275-01d2-527f-ae79097ed2b7",[],[],"\u003Cp>Business networks are often more complicated than internet setups at home, so any problems that crop up can be more difficult to diagnose and fix. Troubleshooting in organisations is key to finding the issue and fixing it. \u003C\u002Fp>\n\u003Cp>But first, what actually are network problems, and how can you tell if you’re experiencing one within your business? In this Bionic guide, we’ll find out all the answers.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"d2f5b40a-c955-4c15-a4f6-9bbc3d860ec6\" data-image-id=\"d2f5b40a-c955-4c15-a4f6-9bbc3d860ec6\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F0ebab44e-7808-4cc3-8cb9-09eb524fb8e3\u002Fnetwork-issues.jpg\" data-asset-id=\"d2f5b40a-c955-4c15-a4f6-9bbc3d860ec6\" data-image-id=\"d2f5b40a-c955-4c15-a4f6-9bbc3d860ec6\" alt=\"Businessman looking at an internet failure screen on a computer in an office\">\u003C\u002Ffigure>\n\u003Ch2>30-second summary\u003C\u002Fh2>\n\u003Cul>\n  \u003Cli>Network problems are issues with your internet connection or WiFi. The complications behind your network problems could stem from a variety of issues including slow internet, weak WiFi signal, WiFi blackspots, bandwidth and network, a slow DNS and problems with your IP or hardware.\u003C\u002Fli>\n  \u003Cli>If you’re having network problems across your organisation you might be familiar with the following: lagging video meetings, slow application load times, errors with uploads and downloads and drops in signal.\u003C\u002Fli>\n  \u003Cli>The best way to diagnose your network problems is to troubleshoot, find the issue and fix it. You can also use a network monitoring tool to help pinpoint the issue or hire an IT professional to help you out.\u003C\u002Fli>\n  \u003Cli>Bionic can help advise on what route to take for your network issues or help you upgrade to a better connection with new hardware.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n58997c1a_e3e2_0109_65dc_a1173b60322f\">\u003C\u002Fobject>\n\u003Ch2>What are network problems?\u003C\u002Fh2>\n\u003Cp>Whether at home, at work, or even working at home, we’ve all experienced internet network problems with our internet or WiFi connection. Common issues include lagging videos, slow application load times, errors with uploads and downloads and the dreaded video buffering icon.\u003C\u002Fp>\n\u003Cp>Network problems cause unwanted hassle in businesses and affect VoIP systems which, in turn, can cause issues with usual business activities like video meetings, conference calls, POS systems and payment terminals.\u003C\u002Fp>\n\u003Cp>Because all sorts of things can affect your business internet connection, as a business owner, it’s a good idea to keep clued up on common network issues. So the next time there are problems, you’ll be better equipped to deal with them.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n95f16cda_6ba3_0103_ed33_1c1c475dac16\">\u003C\u002Fobject>\n\u003Ch2>Common business network problems\u003C\u002Fh2>\n\u003Cp>We’ve broken down 9 of the most common network issues found in organisations and what you need to do to solve them.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n608944bd_f22e_01d2_28df_d5711193265c\">\u003C\u002Fobject>\n\u003Ch3>Slow internet\u003C\u002Fh3>\n\u003Cp>Sluggish internet connections have been common issues ever since the internet began. Even though there are a range of superfast broadband packages on the market, slow connections now and again are still inevitable. This is not normally the fault of the network but due to a variety of reasons, including new applications, large downloads, or even an increase in the number of employees using your network.\u003C\u002Fp>\n\u003Cp>A slow internet connection can put the brakes on your whole business operations, freeze systems and ultimately affect how much money you make. If your network can’t cope with the demands of your employees, it could even be because you’ve maxed out your bandwidth capacity and need to upgrade it.\u003C\u002Fp>\n\u003Cp>That’s why if you come across an issue with slow internet, it’s good to know what you need to do to fix it.\u003C\u002Fp>\n\u003Ch4>How can you fix it?\u003C\u002Fh4>\n\u003Cp>If your work internet is slow, you’ll need to troubleshoot to find out why.\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Consider using a network monitoring tool that allows you to check activity on your network and pinpoint areas that are slowing it down. \u003C\u002Fli>\n  \u003Cli>You could also put office policies in place that state employees shouldn’t use the business network for personal use, as large downloads can clog up networks.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"aba3e2d1_2b1a_019f_4caa_3fc7675355a3\">\u003C\u002Fobject>\n\u003Ch3>Weak WiFi signal\u003C\u002Fh3>\n\u003Cp>When you’re working in an office, weak WiFi can disrupt your workday. Signal strength can make or break your productivity. This can happen as a result of inference with your WiFi. Cordless phones, wireless printers and even your employees can cause interference with WiFi resulting in drops in signal. The location of your premises can also cause issues if you’re in a densely populated city area or even somewhere rural with a hilly landscape.\u003C\u002Fp>\n\u003Cp>If you have a weak WiFi signal, you might find:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Your files take longer to transfer or fail altogether\u003C\u002Fli>\n  \u003Cli>Your WiFi keeps dropping in and out \u003C\u002Fli>\n  \u003Cli>It’s difficult to pair Bluetooth devices - for example, wireless printers or POS systems that run using a WiFi connection\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch4>How can you fix it?\u003C\u002Fh4>\n\u003Cp>Through trial and error, you might be able to improve your WiFi signal. Try these tips:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Try moving your router and keep it in the out and open. If you can, try placing it somewhere hirer up so there’s a clearer path for the signal to travel.\u003C\u002Fli>\n  \u003Cli>Remove it away from obstacles. If your router is in or near your staff kitchen, microwaves and other kitchen items can wreak havoc with your signal.\u003C\u002Fli>\n  \u003Cli>Upgrade your business broadband. If you have a standard connection, a faster fibre connection might be a better option.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>If you need a little extra help, read our in-depth guide on WiFi signal strength and how to boost it.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n0c110da6_fc9e_0193_e0e0_35bc3069df25\">\u003C\u002Fobject>\n\u003Ch3>WiFi blackspots\u003C\u002Fh3>\n\u003Cp>WiFi black spots are essentially areas or ‘spots’ where a WiFi signal doesn’t quite reach or the connection is unstable. This can happen when a router is far away from a device using its wireless connection. WiFi black spots are irritating because they can affect your business activities. \u003C\u002Fp>\n\u003Cp>For example, you may own a garage and have a business WiFi router in the backroom. You might find that there’s an area within your garage where your WiFi cuts out - this could be a WiFi black spot. This could also happen when you’re outside of the signal range that emits from your router.\u003C\u002Fp>\n\u003Cp>Perhaps you are often ‘walking and working’ on your smartphone. Or maybe you own an escape room, and your core business activity relies on a reliable internet connection. Whatever your business, when your connection cuts out, it be frustrating. Not only does it look unprofessional, but it can affect a customer’s perception or first impression of your business.\u003C\u002Fp>\n\u003Ch4>How can you fix it?\u003C\u002Fh4>\n\u003Cp>To get rid of WiFi black spots, you’ll first want to identify them. You can do this by doing a site survey or asking your staff where and how often they experience drops in signal. A wireless survey uses a spectrum analyser and a heatmap to find black spots, this is especially good if you are a large premises or warehouse that will take time to check manually.\u003C\u002Fp>\n\u003Cp>Once you’ve pinpointed the area, there are various things you can do to fix the blackspots:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Try moving your router and centralise it in your space\u003C\u002Fli>\n  \u003Cli>Adjust the antenna on top of your router\u003C\u002Fli>\n  \u003Cli>Change WiFI channels\u003C\u002Fli>\n  \u003Cli>Or update your software or commercial broadband \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Read our detailed guide for more information on how to carry out these steps to fix your WiFi blackspots.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n493cee2b_8aee_01cc_ab97_31fd1a7c2ea1\">\u003C\u002Fobject>\n\u003Ch3>Bandwidth & network usage\u003C\u002Fh3>\n\u003Cp>Bandwidth is basically a limited amount of data that is transferred via an internet network at one given time. Although it sounds similar - it’s \u003Cem>not\u003C\u002Fem> internet speed. It’s the measure of internet data and is normally measured in Mbps. \u003C\u002Fp>\n\u003Cp>The higher your bandwidth, the faster data can be transferred. Normally, a higher bandwidth allows for more devices to connect, but the more data that’s downloaded, the quicker your bandwidth maxes out. \u003C\u002Fp>\n\u003Cp>For example, if you download a new program to install on your computer systems, the download will likely take up a lot of your bandwidth and slow down the network for any other devices that are trying to use it. This causes high network usage and congestion. When this happens, any other systems that rely on your internet connection might not run properly, and you might run into slow speeds, signal drops and other network issues. \u003C\u002Fp>\n\u003Ch4>How can you fix it?\u003C\u002Fh4>\n\u003Cul>\n  \u003Cli>Buy more bandwidth by upgrading\u003C\u002Fli>\n  \u003Cli>Clear your browser cache\u003C\u002Fli>\n  \u003Cli>Use a Virtual Private Network (VPN)\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Want to know more? Get to grips with \u003Cem>everything\u003C\u002Fem> you need to know about business bandwidth and how to keep it up to speed.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"cd9d1b24_3bf2_013e_df1f_9877466c6c10\">\u003C\u002Fobject>\n\u003Ch3>Slow DNS lookups\u003C\u002Fh3>\n\u003Cp>A DNS (Domain Name System) is essentially a book of the internet. It’s how people access websites through domain names like Bionic.co.uk. The role of a DNS is to take a domain name and make it into a unique IP address so website browsers can load web pages - this is essentially a DNS ‘lookup’. Normally, lookups are quick and only take between 20 and 120 milliseconds. If they take longer, they can slow down the chain of events that need to take place to load your internet. If your DNS lookup is slow, then it might not be configured properly. \u003C\u002Fp>\n\u003Ch4>How can you fix it?\u003C\u002Fh4>\n\u003Cp>Since DNS issues can be complex, it’s advisable to get an IT professional to look at your internet to help diagnose your issue and fix it for you. Or you can try your hand and troubleshoot it yourself using official Microsoft Windows documentation or the same for MacOS.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n5a16be08_1960_0181_5821_546e0e55a0fd\">\u003C\u002Fobject>\n\u003Ch3>IP address exhaustion\u003C\u002Fh3>\n\u003Cp>IP addresses or ‘internet addresses’ are limited in numbers. Each provider is given a set amount, and with the rise of so many devices that use the internet, sometimes there is a fight for resources. This is because when the internet was designed, it didn’t account for so many phones and laptops, 24-7 connections and the whole world logging online. \u003C\u002Fp>\n\u003Cp>To help ease this issue and ‘stretch’ the supply of internet addresses, NAT was introduced. \u003C\u002Fp>\n\u003Cp>NAT (Network Address Translation) is built into internet routers. This allows a single internet address to be taken from a worldwide bank of internet addresses. Servers then give addresses to local networks using wireless broadband connections. However, since that has been introduced, more modern solutions such as IPv6 have been produced. IPv6 is the next generation of internet protocols and provides better benefits than the previous version of internet protocol IPv4.\u003C\u002Fp>\n\u003Ch4>How can you fix it?\u003C\u002Fh4>\n\u003Cp>Make sure your router systems use IPv6 - the latest version of the IP protocol that is replacing IPv4. This IP address scheme will help alleviate the issue of lack of IP address from the previous version of IPv4, which could be the root cause of your slow network.\u003C\u002Fp>\n\u003Cp>Hiring an IT specialist to ensure your network uses this technology is the best option if you are not sure what version your current setup uses.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n968dee89_3fae_017e_678a_935162d1d26a\">\u003C\u002Fobject>\n\u003Ch3>Problems validating your IP address request\u003C\u002Fh3>\n\u003Cp>If you are having network issues, then there could be problems with validating your IP address. This means your network address might not be able to connect to the server. If your server doesn’t ‘validate’ the IP address, it won’t connect, and your internet won’t work.\u003C\u002Fp>\n\u003Cp>There are many reasons why this can happen; IP address exhaustion, as mentioned above, or a failed request from your server. Sometimes a new computer system or device could be configured incorrectly and causing the issue. Whatever the reason, it’s good to troubleshoot first to see if it can be easily fixed.\u003C\u002Fp>\n\u003Ch4>How can you fix it?\u003C\u002Fh4>\n\u003Cp>Follow these steps yourself to check if you have problems with validating your IP address:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Survey your organisation and find out who is having issues connecting (is it one person or everyone?)\u003C\u002Fli>\n  \u003Cli>If it’s one person - check the NIC setting on their laptop or device. They should be using a DHCP server, not a VLAN pathway. A DHCP (Dynamic Host Configuration Protocol) is a client\u002Fserver protocol that automatically provides an Internet Protocol (IP) host with its IP address.\u003C\u002Fli>\n  \u003Cli>If your whole organisation has issues, then you need to look at your server instead of laptops and devices. \u003C\u002Fli>\n  \u003Cli>Consider hiring an IT professional to help diagnose the problem and make sure your configurations are correct.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"c6c41f09_4147_0165_441f_495077cef409\">\u003C\u002Fobject>\n\u003Ch3>Hardware issues\u003C\u002Fh3>\n\u003Cp>It’s best to never overlook issues with your hardware or equipment. You may just find that the issues with your business network are down to the few devices you use. This is especially true if you run a microbusiness with a few laptops or computers and payment software that uses an internet connection to run. \u003C\u002Fp>\n\u003Ch4>How can you fix it?\u003C\u002Fh4>\n\u003Cp>Sometimes the problems you are having are a really simple fix. Here are some steps you can take to check your equipment is working:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Check all connecting wires — This sounds simple, but a loose wire could just be the culprit! Checking all the wires in your office may sound tedious, but it may just be the solution you need, as a damaged cable can easily be replaced.\u003C\u002Fli>\n  \u003Cli>Consider external factors like faulty copper of fibre optic lines that carry your connection — Check with your provider for any known issues. Or use network monitoring software which allows you to check for issues across your network.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n323e3934_78b4_016d_13ac_54641ddeede9\">\u003C\u002Fobject>\n\u003Ch2>How to identify network problems\u003C\u002Fh2>\n\u003Cp>The best way to diagnose issues with your network is by using a ‘network monitoring tool’ or similar software or get help from an IT professional. \u003C\u002Fp>\n\u003Cp>Also known as a network management system, this software allows you to have a birdseye view across the performance of your network and helps you pinpoint issues when they crop up. It works by recording key internet metrics and flagging any issues, explaining what they are and what you need to do.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"6f17d0a3-72bb-4636-97bb-29e39021d3f9\" data-image-id=\"6f17d0a3-72bb-4636-97bb-29e39021d3f9\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Fdecc034b-a014-4dc7-b878-05cde4925c15\u002Foperating-performnace.png\" data-asset-id=\"6f17d0a3-72bb-4636-97bb-29e39021d3f9\" data-image-id=\"6f17d0a3-72bb-4636-97bb-29e39021d3f9\" alt=\"Quote by Tom Grange, Head of Connectivity - "Network Management is the act of monitoring and managing the performance of your network in an agile way. A network management system links up to all your connected devices such as routers, switches, devices and access points to collect data on operating performance."\">\u003C\u002Ffigure>\n\u003Cp>You’ll need to know:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Where the problem is situated — Is it in one building or a certain area of your organisation?\u003C\u002Fli>\n  \u003Cli>What steps do you need to take to fix it — Your network monitoring tool should give you detailed diagnostics. Once you have this, you can decide if you need to bring in an IT professional or contact your network service provider or host to see if they can help.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"a9876604_7275_01d2_527f_ae79097ed2b7\">\u003C\u002Fobject>\n\u003Ch2>How Bionic can help\u003C\u002Fh2>\n\u003Cp>Our experts at Bionic are clued up on internet network issues and are on hand to provide advice if needed. If you think your broadband is just too slow or you keep experiencing broadband outages, then it might be time to upgrade your business broadband. Speak to a member of our team today for the best deals out there.\u003C\u002Fp>",{"name":908,"type":15,"value":2646,"linkedItems":2647},[910],[],{"name":913,"type":15,"value":2649,"linkedItems":2650},[],[],{"name":918,"type":919,"value":2652,"displayTimeZone":921},"2023-05-31T16:00:00Z",{"name":923,"type":919,"value":784,"displayTimeZone":784},{"name":925,"type":11,"value":2655},"common-business-network-problems-and-fixes\u002F",{"name":928,"type":7,"value":2657},"8 Common Network Problems and How Businesses Can Fix Them | Bionic",{"name":931,"type":7,"value":2659},"Experiencing network problems? Follow this handy guide on how to troubleshoot and solve common network issues and your business back online today.",{"name":934,"type":935,"value":2661},[2662],{"name":938,"codename":939},{"name":941,"type":7,"value":2664},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002Fguides\u002Fcommon-business-network-problems-and-fixes\u002F",{"name":944,"type":15,"value":2666,"linkedItems":2667},[],[],{"name":948,"type":15,"value":2669,"linkedItems":2670},[2241],[],{"name":953,"type":15,"value":2672,"linkedItems":2673},[],[],{"name":958,"type":15,"value":2675,"linkedItems":2676},[],[],{"name":962,"type":23,"value":2678},[2679],{"name":2680,"description":2511,"type":295,"size":2681,"url":2513,"width":1265,"height":1264,"renditions":2682},"network-issues.jpg",160595,{},{"name":969,"type":935,"value":2684},[2685],{"name":972,"codename":973},{"name":975,"type":935,"value":2687},[2688],{"name":938,"codename":939},{"name":979,"type":935,"value":2690},[],{"name":983,"type":935,"value":2692},[2693],{"name":972,"codename":973},{"codename":2695,"collection":81,"id":2696,"language":81,"lastModified":2542,"name":2697,"sitemapLocations":2698,"type":990,"workflowStep":87,"workflow":81},"connectivity_guide___8_common_network_problems_and","583fad3a-e8fa-4af1-ab41-18d98690ff69","CONNECTIVITY GUIDE - 8 common network problems and how businesses can fix them",[],[2700,2871,2942],{"elements":2701,"system":2866},{"post__title":2702,"post__summary":2704,"post__content":2706,"post__author":2813,"post__reviewer":2816,"publish_date":2819,"updated_date":2821,"url":2822,"seo__meta_title":2824,"seo__meta_description":2826,"seo__add_no_index_tag":2827,"seo__canonical_url":2830,"related_articles":2832,"categories":2835,"subfolder":2839,"tags":2842,"thumbnail_image":2845,"show_on_index_page":2855,"hide_author":2858,"hide_reviewer":2861,"hide_tags":2863},{"name":146,"type":7,"value":2703},"The best small business grants 2024\u002F2025",{"name":748,"type":7,"value":2705},"Your business might be eligible for grants to help with cash flow, update old equipment, fund expansion and more. Here’s everything you need to know.",{"images":2707,"linkedItemCodenames":2708,"linkedItems":2719,"links":2811,"name":905,"type":189,"value":2812},[],[2709,2710,2711,2712,2713,2714,2715,2716,2717,2718],"n9c7a7b33_0237_01ce_5d3b_4b0e1c4018d7","ea8ddc0c_d784_01c4_2b4c_1e447d09b8cf","n81240990_22ea_0172_2dfe_f4aa3403306c","n18aab7f8_2cbe_0194_df0e_c85db112149b","n94ee4033_a29d_01da_28e5_bd2503cd79df","c30e4be1_5dc7_013f_d1ef_aad38217fee0","n9fa04ca8_594c_0108_fdfe_e83c8166e85a","fe122f68_07e3_01a7_8990_db845e9d1588","e673e6e1_768c_01c5_536c_1546105c7d24","n3e8afac0_5f36_0180_2a6f_efe6d0ea0b3c",[2720,2730,2739,2748,2757,2766,2775,2784,2793,2802],{"elements":2721,"system":2726},{"text":2722,"anchor_id":2724},{"name":188,"type":7,"value":2723},"What’s the difference between a loan and a grant?",{"name":799,"type":7,"value":2725},"whats-the-difference-between-a-loan-and-a-grant",{"codename":2709,"collection":81,"id":2727,"language":81,"lastModified":2728,"name":2727,"sitemapLocations":2729,"type":804,"workflowStep":784,"workflow":784},"9c7a7b33-0237-01ce-5d3b-4b0e1c4018d7","2025-06-20T16:20:29.3930336Z",[],{"elements":2731,"system":2736},{"text":2732,"anchor_id":2734},{"name":188,"type":7,"value":2733},"What types of business grants are available?",{"name":799,"type":7,"value":2735},"what-types-of-business-grants-are-available",{"codename":2710,"collection":81,"id":2737,"language":81,"lastModified":2728,"name":2737,"sitemapLocations":2738,"type":804,"workflowStep":784,"workflow":784},"ea8ddc0c-d784-01c4-2b4c-1e447d09b8cf",[],{"elements":2740,"system":2745},{"text":2741,"anchor_id":2743},{"name":188,"type":7,"value":2742},"Grants for startups",{"name":799,"type":7,"value":2744},"grants-for-startups",{"codename":2711,"collection":81,"id":2746,"language":81,"lastModified":2728,"name":2746,"sitemapLocations":2747,"type":804,"workflowStep":784,"workflow":784},"81240990-22ea-0172-2dfe-f4aa3403306c",[],{"elements":2749,"system":2754},{"text":2750,"anchor_id":2752},{"name":188,"type":7,"value":2751},"Grants for young people",{"name":799,"type":7,"value":2753},"grants-for-young-people",{"codename":2712,"collection":81,"id":2755,"language":81,"lastModified":2728,"name":2755,"sitemapLocations":2756,"type":804,"workflowStep":784,"workflow":784},"18aab7f8-2cbe-0194-df0e-c85db112149b",[],{"elements":2758,"system":2763},{"text":2759,"anchor_id":2761},{"name":188,"type":7,"value":2760},"Grants for businesses with apprentices",{"name":799,"type":7,"value":2762},"grants-for-businesses-with-apprentices",{"codename":2713,"collection":81,"id":2764,"language":81,"lastModified":2728,"name":2764,"sitemapLocations":2765,"type":804,"workflowStep":784,"workflow":784},"94ee4033-a29d-01da-28e5-bd2503cd79df",[],{"elements":2767,"system":2772},{"text":2768,"anchor_id":2770},{"name":188,"type":7,"value":2769},"Grants for women",{"name":799,"type":7,"value":2771},"grants-for-women",{"codename":2714,"collection":81,"id":2773,"language":81,"lastModified":2728,"name":2773,"sitemapLocations":2774,"type":804,"workflowStep":784,"workflow":784},"c30e4be1-5dc7-013f-d1ef-aad38217fee0",[],{"elements":2776,"system":2781},{"text":2777,"anchor_id":2779},{"name":188,"type":7,"value":2778},"Grants by region",{"name":799,"type":7,"value":2780},"grants-by-region",{"codename":2715,"collection":81,"id":2782,"language":81,"lastModified":2728,"name":2782,"sitemapLocations":2783,"type":804,"workflowStep":784,"workflow":784},"9fa04ca8-594c-0108-fdfe-e83c8166e85a",[],{"elements":2785,"system":2790},{"text":2786,"anchor_id":2788},{"name":188,"type":7,"value":2787},"Grants for energy-efficient workspaces \n",{"name":799,"type":7,"value":2789},"grants-for-energy-efficient-workspaces",{"codename":2716,"collection":81,"id":2791,"language":81,"lastModified":2728,"name":2791,"sitemapLocations":2792,"type":804,"workflowStep":784,"workflow":784},"fe122f68-07e3-01a7-8990-db845e9d1588",[],{"elements":2794,"system":2799},{"text":2795,"anchor_id":2797},{"name":188,"type":7,"value":2796},"Is any other government support available for businesses?",{"name":799,"type":7,"value":2798},"is-any-other-government-support-available-for-businesses",{"codename":2717,"collection":81,"id":2800,"language":81,"lastModified":2728,"name":2800,"sitemapLocations":2801,"type":804,"workflowStep":784,"workflow":784},"e673e6e1-768c-01c5-536c-1546105c7d24",[],{"elements":2803,"system":2808},{"text":2804,"anchor_id":2806},{"name":188,"type":7,"value":2805},"What are the alternatives to business grants?",{"name":799,"type":7,"value":2807},"what-are-the-alternatives-to-business-grants",{"codename":2718,"collection":81,"id":2809,"language":81,"lastModified":2728,"name":2809,"sitemapLocations":2810,"type":804,"workflowStep":784,"workflow":784},"3e8afac0-5f36-0180-2a6f-efe6d0ea0b3c",[],[],"\u003Cp>\u003Cstrong>*Updated November 6, 2024.\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cp>It’s surprising how unexpected costs can crop up when you’re running a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-finance\u002Fguides\u002Fwhat-is-a-small-business\u002F\">small business\u003C\u002Fa>, especially when you’re just starting out. But no matter what stage your business is at, it’s likely that you’ll need to take out a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-finance\u002F\">business loan\u003C\u002Fa> or some form of finance option at some point – whether to help with \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-finance\u002Fguides\u002Fsmall-business-cashflow-guide\u002F\">cash flow\u003C\u002Fa>, update old equipment, or fund an expansion.\u003C\u002Fp>\n\u003Cp>But before you \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-finance\u002Fguides\u002Fbusiness-loans-explained\u002F\">compare business loans\u003C\u002Fa> it’s worth looking at what grants are available.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>30-second summary\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>A business loan is an amount you borrow and pay back monthly with interest added. A grant is money given to you that you don’t need to pay back.\u003C\u002Fli>\n  \u003Cli>There are many grants available if your business meets certain conditions. E.g., Direct grants, resource, and training grants.\u003C\u002Fli>\n  \u003Cli>Some businesses can also qualify for tax relief government schemes including NI relief, business rates relief, employment allowance and corporation tax relief.\u003C\u002Fli>\n  \u003Cli>Certain business types are eligible for grants including startups, young entrepreneurs, businesses with apprentices and female founders.\u003C\u002Fli>\n  \u003Cli>If you qualify for a grant, to make sure you get it – apply as soon as you can, hire a consultant if needed and have evidence of your eligibility on hand to show why you need the funding.\u003C\u002Fli>\n  \u003Cli>If you don’t qualify for any grants, you can apply for a business loan. Bionic can help advise the best route to take if you’re considering this option.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n9c7a7b33_0237_01ce_5d3b_4b0e1c4018d7\">\u003C\u002Fobject>\n\u003Ch2>What’s the difference between a loan and a grant?\u003C\u002Fh2>\n\u003Cp>When you take out a loan, you need to repay the amount borrowed plus interest in a set number of repayments, as agreed with the lender. However, if you get money through a grant, then you don’t need to pay it back.\u003C\u002Fp>\n\u003Cp>Most loans are offered by private lenders that add interest to the amount you borrow as a charge for their service. The government does offer loans, such as \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-finance\u002Fguides\u002Fstart-up-loans\u002F\">startup loans\u003C\u002Fa>, which are available to help people start a new business or grow an existing one.\u003C\u002Fp>\n\u003Cp>Grants are usually publicly funded schemes awarded to businesses by the government or a charitable organisation or trust. They come with certain conditions attached, as they’re designed to help those who need the money most or promote a public cause. The Prince’s Trust Enterprise program, for example, offers development awards of up to £500 to help younger people access training courses, cover job licence fees, buy tools, equipment or uniforms for a job or qualification, and more.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"ea8ddc0c_d784_01c4_2b4c_1e447d09b8cf\">\u003C\u002Fobject>\n\u003Ch2>What types of business grants are available?\u003C\u002Fh2>\n\u003Cp>A range of business grants are available in the UK, each for different purposes. This includes:  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Direct grants - \u003C\u002Fstrong>Direct grants are those that involve cash being given directly to a business to help fund a specific project. These schemes usually involve fund matching, which means any money you raise to pay for the project will be matched by the same amount of grant funding - essentially, you need to put up half of the money needed. In most cases, there will also be conditions about how the money can be spent. This is to make sure you’re acting in good faith and spending the money on the project it was raised for. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Resource and training grants - \u003C\u002Fstrong>If you want to invest in skills or need access to resources and expertise to get a project off the ground, then the following resource and training grants are a great option. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>A list of small business grants for 2024\u002F2025\u003C\u002Fh2>\n\u003Col>\n  \u003Cli>\u003Cstrong>Innovate UK Smart Grants - \u003C\u002Fstrong>Innovate UK Smart Grants are designed to encourage innovation. This grant funds projects that develop new products, services, or processes. Grants range from £25,000 to £2 million and can be accessed by UK-registered companies in any industry focused on innovation that contributes to the economy or solves global challenges. You can apply for funding directly on \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-finance\u002Fguides\u002Fsmall-business-grants\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Innovate UK’s\u003C\u002Fa> website. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Gigabit Broadband Voucher Scheme (GBVS)\u003C\u002Fstrong>: This grant is designed for small businesses needing faster, more reliable internet. It covers partial costs to upgrade to gigabit-capable broadband, benefiting companies in rural and underserved areas where connectivity is crucial. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Research and Development (R&D) Grants\u003C\u002Fstrong>: The UK government is committing over £20 billion to R&D and high-growth sectors, especially in engineering, biotechnology, and life sciences. SMEs in these industries will have increased access to funding for innovation and partnerships, potentially benefiting from government support for new product development and market expansion. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Regional Development Funds\u003C\u002Fstrong>: Several regional funding programs offer tailored grants across the UK. For example, the \u003Cstrong>Northern Powerhouse Investment Fund\u003C\u002Fstrong> and \u003Cstrong>Midlands Engine Investment Fund\u003C\u002Fstrong> provide support for growth, development, and job creation in those regions. Each fund has its specific eligibility criteria based on location and business type. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Woodland Creation Planning Grant (WCPG)\u003C\u002Fstrong>: This grant supports businesses focused on sustainability and the environment, particularly for projects involving forestry. Funds up to £30,000 are available to create compliant woodland designs, encouraging environmentally conscious business practices. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Heritage Enterprise (HE) - UK - \u003C\u002Fstrong>Funding to help restore neglected historic buildings and sites and unlock their economic potential. Businesses with buildings in need of restoration can apply. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Flexible AI Upskilling Fund pilot -\u003C\u002Fstrong> The Flexible AI Upskilling Fund pilot scheme will support small businesses in the professional services sector by match-funding AI skills training for their employees. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Apprenticeship and Training Grants\u003C\u002Fstrong>: These grants help businesses invest in workforce development, covering costs related to training and assessment for apprentices. Some schemes offer funding to businesses that hire apprentices or upskill their employees. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Local Business Support – \u003C\u002Fstrong>It's worth checking to see if your local authority offers business support grants to fund training workshops, expert advice, business accelerators, and other forms of training.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Business Support Networks\u003C\u002Fstrong> - Sometimes other business owners – or former business owners – are the best people to turn to for expert support. Business support networks help business owners get peer-to-peer advice. This can be especially useful if your business is involved in new technologies or has certain best-practice initiatives. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Business support helplines \u003C\u002Fstrong>- You can get advice and financial help for your business from a range of government-backed schemes. This includes things like help with tax, exporting, and writing a business plan. \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fbusiness-support-helpline\">Visit the government site\u003C\u002Fa>. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Bionic Business Insurance Prize Draw \u003C\u002Fstrong>– This is not a grant as much, but could save your business money! Win up to £5,000 for your business insurance policy. Buy a policy with us to be automatically entered into a draw every quarter and to win your policy for a year. Enter until May 2025. \u003Ca href=\"https:\u002F\u002Fcloud.email.bionic.co.uk\u002Finsurance-prize-draw\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Read the terms and conditions.\u003C\u002Fa> \u003C\u002Fli>\n\u003C\u002Fol>\n\u003Ch2>What about tax relief?\u003C\u002Fh2>\n\u003Cp>Despite what the adverts say, tax can be taxing when you’re running a business. That’s why there are a number of government schemes designed to help cut the tax burden on small businesses.\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>National Insurance relief\u003C\u002Fstrong> – If you have any employees, you might be able to claim National Insurance relief of up to £5,000. However, this is the total allowable relief for each business, not for each employee, and you won’t be eligible if you run a limited company that has only one company director and no other employees. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Business rates relief\u003C\u002Fstrong> – If your business occupies one property with a \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fcorrect-your-business-rates\">rateable value\u003C\u002Fa> of less than £15,000, then you might be eligible for business rates relief. In 2025, the UK government will provide eligible, occupied, retail, hospitality, and leisure properties with a 40% relief, up to a cash cap limit of £110,000 per business. Alcohol duty for draught products will also be reduced, providing relief for pubs and small brewers, promoting economic resilience within these industries.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Employment Allowance\u003C\u002Fstrong> - This enables you to reduce the national insurance contributions you pay for your staff by up to £5,000 per year. In 2025, the Employment Allowance will rise to £10,500, reducing National Insurance costs for over 865,000 small businesses. This relief is intended to reduce costs for the micro businesses across the UK.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Corporation Tax relief\u003C\u002Fstrong> – The current main rate of Corporation Tax is 25% on company profits, as of April 2023. This was previously 19%. But you may be able to claim 'Marginal Relief' if your business has taxable profits of less than £50,000, meaning you could still pay the 19% rate (small profit rate). Marginal Relief works in gradual increases between the small profit rate and the main rate of 25%. So, if you have taxable profits between £50,000 and £250,000 you could be eligible.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fcorporation-tax-rates\u002Fallowances-and-reliefs\">Check the government website\u003C\u002Fa> for information on allowances and reliefs.\u003C\u002Fp>\n\u003Ch2>Who is eligible for grants? (Offer types of grants for each group)\u003C\u002Fh2>\n\u003Cp>In some cases, the type of business grants you’re eligible for depends on your current circumstances.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n81240990_22ea_0172_2dfe_f4aa3403306c\">\u003C\u002Fobject>\n\u003Ch3>Grants for startups\u003C\u002Fh3>\n\u003Cp>Not to be confused with \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-finance\u002Fguides\u002Fstart-up-loans\u002F\">Startup loans,\u003C\u002Fa> which are government-backed unsecured loans that can be used to help start a new enterprise or grow an existing one, startup grants are available for a range of business needs. \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>The Prince’s Trust Enterprise Program\u003C\u002Fstrong>: Targeting young entrepreneurs aged 18-30, this program offers grants alongside mentorship, especially for those starting new ventures. It's aimed at providing foundational support to overcome financial and operational barriers. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Seed Enterprise Investment Scheme (SEIS)\u003C\u002Fstrong>: Although a tax relief program, SEIS is a valuable resource for startups wanting investment. It provides tax relief to investors in early-stage businesses, making it easier for startups to attract investment. Businesses can raise up to £150,000 under SEIS, which is great for potential investors because of the tax advantages. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Social Enterprise Funding\u003C\u002Fstrong>: For startups focused on social impact, UnLtd offers funding and support for social entrepreneurs addressing community issues. Their \"Starting Up\" awards offer up to £5,000, while the \"Scaling Up\" awards provide higher funds. These grants are suitable for entrepreneurs creating positive social or environmental change. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Regional grants may also be available. For more information, \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fbusiness-finance-support\">check the 'finance and support for your business' page on the government's website\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n18aab7f8_2cbe_0194_df0e_c85db112149b\">\u003C\u002Fobject>\n\u003Ch3>Grants for young people\u003C\u002Fh3>\n\u003Cp>As well as The Prince’s Trust, there are a number of other grants available to people aged 18 to 30 who are looking to start their own business, including: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>UnLtd \u003C\u002Fstrong>– Provides funding and support for social entrepreneurs with social change at the heart of everything they do. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Shell LiveWIRE \u003C\u002Fstrong>- Provides access to knowledge, skills, networks and resources to help young people realise their business goals, create jobs, provide sustainable income, and drive innovation. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>ARFOR Programme Support Fund\u003C\u002Fstrong> - Grants of £5,000 to £75,000 are available, to fund up to 70 per cent of total project costs in Welsh speaking communities. All projects must be completed by December 31, 2024. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n94ee4033_a29d_01da_28e5_bd2503cd79df\">\u003C\u002Fobject>\n\u003Ch3>Grants for businesses with apprentices\u003C\u002Fh3>\n\u003Cp>You can get funding from the government to pay for apprenticeship training and assessment or as an incentive payment for other costs. If your business pays the \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fguidance\u002Fpay-apprenticeship-levy\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Apprenticeship Levy\u003C\u002Fa>, you’ll get a grant to spend on training and assessing your apprentices and the government will add 10% to this.\u003C\u002Fp>\n\u003Cp>If your business doesn’t pay the levy, you’ll pay 5% towards the cost of training and assessing your apprentice and the government will pay the remaining 95%, up to a funding maximum. This money will be paid directly to the training provider, and you’ll need to arrange how and when to pay your 5% directly to them.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"c30e4be1_5dc7_013f_d1ef_aad38217fee0\">\u003C\u002Fobject>\n\u003Ch3>Grants for women\u003C\u002Fh3>\n\u003Cp>With male-owned businesses more likely to attract funding, organisations are increasingly looking to fund women in business and give them a more even opportunity to succeed.\u003C\u002Fp>\n\u003Cp>You can check out the business grants available specifically to women in our guide to grants for female entrepreneurs.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n9fa04ca8_594c_0108_fdfe_e83c8166e85a\">\u003C\u002Fobject>\n\u003Ch3>Grants by region \u003C\u002Fh3>\n\u003Cp>You might be able to get a grant, or some support based on where your business is based. Many counties have their own initiatives to help the area, whether that’s creating more jobs or assisting graduates. Often, there are pools of money put towards these initiatives that you could qualify for.   \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Energy Efficiency Grants for East Sussex - \u003C\u002Fstrong>East Sussex businesses focused on reducing energy use can access grants between £200 and £1,000, covering up to 40% of project costs. This funding supports energy-saving measures, like improved lighting, heating, and other \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fenergy-efficient-lighting-saving-your-business-money\u002F\">energy-efficient\u003C\u002Fa> upgrades, to lower overall energy expenses. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Birmingham Commercial Vehicle Grant\u003C\u002Fstrong> - For small businesses in Birmingham, this grant assists businesses in upgrading their vehicles to meet Clean Air Zone (CAZ) standards. The grant provides up to £180,000 per applicant, with a maximum of £15,000 per heavy goods vehicle or £4,000 per light vehicle. This funding helps small businesses cover costs related to purchasing or upgrading low-emission vehicles. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Scottish Growth Scheme - \u003C\u002Fstrong>In Scotland, small businesses can apply for financial support through the Scottish Growth Scheme, which offers loans and equity funding. The scheme supports growth for all types of businesses, with funding of up to £500 million for business expansion and job creation within Scotland. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Cardiff Growth Fund - \u003C\u002Fstrong>This fund provides grants of £2,500 to £10,000 for Cardiff-based SMEs to cover up to 50% of project costs. It is aimed at helping local businesses expand and make new investments, and improving Cardiff’s regional development. Applications close on December 31, 2024. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Find out if there are any local grants in your area by visiting your local city council’s website. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"fe122f68_07e3_01a7_8990_db845e9d1588\">\u003C\u002Fobject>\n\u003Ch3>Grants for energy-efficient workspaces \u003C\u002Fh3>\n\u003Cp>There are many government incentives and grants for business owners who think ‘green’.  Essentially, this means \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002F\">improving energy efficiency\u003C\u002Fa> in the workplace and reducing carbon emissions. So, if you were planning to refurbish anytime soon, if you go green you could get funding towards it.  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>The Clean Growth Fund\u003C\u002Fstrong>: Established by the UK government and private investors, this fund aims to support early-stage companies that can help the UK reach its net-zero target by 2050. It focuses on startups and SMEs developing clean technologies in sectors such as energy, waste management, and sustainable manufacturing. Investments range from £500,000 to £5 million. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>The Energy Entrepreneurs Fund\u003C\u002Fstrong>: This scheme, also part of the \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fnet-zero-for-small-businesses\u002F\">UK’s Net Zero\u003C\u002Fa> Innovation Portfolio, provides grants to SMEs developing low-carbon technologies, with a focus on renewable energy, carbon capture, and energy efficiency improvements. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>Tips for getting a grant\u003C\u002Fh3>\n\u003Cp>You should only ever apply for a business grant once you’re sure you meet all the eligibility criteria, but there are some things you can do to help your application.\u003C\u002Fp>\n\u003Ch3>Contact the awarding body before applying\u003C\u002Fh3>\n\u003Cp>It might help to get in touch with the awarding body to let them know a little more about your business. This could be especially useful if there’s an issue that’s holding up your application as you’ll have a contact who will know your business and can offer advice on the next steps.\u003C\u002Fp>\n\u003Ch3>Apply as soon as possible\u003C\u002Fh3>\n\u003Cp>As you can imagine, awarding bodies get inundated with applications. This means it’s best to get your application in as early as possible.\u003C\u002Fp>\n\u003Cp>If you apply as soon as the grant opens, competition won’t be as fierce as it’s likely that fewer people will know about it. The key to applying early is to keep searching to see when suitable grants become available.\u003C\u002Fp>\n\u003Ch3>Consider a consultant\u003C\u002Fh3>\n\u003Cp>If you don’t have time to keep an eye on upcoming grants or to search what’s currently out there, a grant consultant can do the work for you. \u003C\u002Fp>\n\u003Cp>Consultants will know the best ways to apply, keep track of applications, and even communicate with awarding bodies. This can be useful if you’re applying to a large body that’s more difficult to contact.\u003C\u002Fp>\n\u003Cp>Although consultants can be quite expensive, it could be a price worth paying if their expertise helps you land the funds you need. A word of caution though, some awarding bodies don’t accept applications submitted through consultancies.\u003C\u002Fp>\n\u003Ch3>Pay close attention to the grant’s objectives\u003C\u002Fh3>\n\u003Cp>It’s important that you know exactly what you’re applying for and that you’re sure your business can meet the requirements of the grant. You’ll need to show evidence of this and explain why you need the funding and how you’ll use it.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"e673e6e1_768c_01c5_536c_1546105c7d24\">\u003C\u002Fobject>\n\u003Ch2>Is any other government support available for businesses?\u003C\u002Fh2>\n\u003Cp>Aside from grants, there are various other government schemes that can help with funding and business costs, including:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Northern Powerhouse Investment Fund \u003C\u002Fstrong>- Delivered by the British Business Bank and available to businesses in the north of England, the \u003Ca href=\"https:\u002F\u002Fwww.npif.co.uk\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Northern Powerhouse Investment Fund\u003C\u002Fa> can provide funding to help get your micro business off the ground or grow your business through debt finance or equity injection.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Venture Capital Schemes \u003C\u002Fstrong>- The government has four schemes that offer tax relief to investors. This can help you attract investment to raise money and help with business growth plans. \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fguidance\u002Fventure-capital-schemes-raise-money-by-offering-tax-reliefs-to-investors\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">You can find out more, including eligibility criteria, on the government website\u003C\u002Fa>. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n3e8afac0_5f36_0180_2a6f_efe6d0ea0b3c\">\u003C\u002Fobject>\n\u003Ch2>What are the alternatives to business grants?\u003C\u002Fh2>\n\u003Cp>If you aren’t eligible for a grant or you’ve had an application turned down, it might be worth considering a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-finance\u002F\">business loan\u003C\u002Fa>. Working with \u003Ca href=\"https:\u002F\u002Fthinkbusinessloans.com\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Think Business Loans\u003C\u002Fa>, the finance division of Bionic, you can compare a range of loans and lenders to find finance that fits your business.\u003C\u002Fp>",{"name":908,"type":15,"value":2814,"linkedItems":2815},[1774],[],{"name":913,"type":15,"value":2817,"linkedItems":2818},[],[],{"name":918,"type":919,"value":2820,"displayTimeZone":1781},"2023-06-09T00:00:00Z",{"name":923,"type":919,"value":784,"displayTimeZone":784},{"name":925,"type":11,"value":2823},"small-business-grants\u002F",{"name":928,"type":7,"value":2825}," The Best Small Business Grants 2024\u002F2025 | Bionic ",{"name":931,"type":7,"value":2705},{"name":934,"type":935,"value":2828},[2829],{"name":938,"codename":939},{"name":941,"type":7,"value":2831},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-finance\u002Fguides\u002Fsmall-business-grants\u002F",{"name":944,"type":15,"value":2833,"linkedItems":2834},[],[],{"name":948,"type":15,"value":2836,"linkedItems":2838},[2837],"category___business_finance_guide",[],{"name":953,"type":15,"value":2840,"linkedItems":2841},[],[],{"name":958,"type":15,"value":2843,"linkedItems":2844},[],[],{"name":962,"type":23,"value":2846},[2847],{"name":2848,"description":2849,"type":295,"size":2850,"url":2851,"width":2852,"height":2853,"renditions":2854},"GettyImages-1287030300.jpg","Small business owner talking on mobile phone to arrange a business grant for her startup.",220382,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F4812fc2c-c9de-44cc-8a0b-4e305c5173d1\u002FGettyImages-1287030300.jpg",847,412,{},{"name":969,"type":935,"value":2856},[2857],{"name":972,"codename":973},{"name":975,"type":935,"value":2859},[2860],{"name":938,"codename":939},{"name":979,"type":935,"value":2862},[],{"name":983,"type":935,"value":2864},[2865],{"name":972,"codename":973},{"codename":2867,"collection":81,"id":2868,"language":81,"lastModified":2728,"name":2869,"sitemapLocations":2870,"type":990,"workflowStep":87,"workflow":81},"untitled_content_item_ab38d67","ab38d671-3d5a-4349-9f2d-718f6933ec3a","FINANCE GUIDE - SMALL BUSINESS GRANTS",[],{"elements":2872,"system":2936},{"post__title":2873,"post__summary":2875,"post__content":2877,"post__author":2888,"post__reviewer":2891,"publish_date":2894,"updated_date":2896,"url":2897,"seo__meta_title":2899,"seo__meta_description":2901,"seo__add_no_index_tag":2902,"seo__canonical_url":2905,"related_articles":2907,"categories":2910,"subfolder":2913,"tags":2916,"thumbnail_image":2919,"show_on_index_page":2925,"hide_author":2928,"hide_reviewer":2931,"hide_tags":2933},{"name":146,"type":7,"value":2874},"How do I pay myself as a small business owner?",{"name":748,"type":7,"value":2876},"\"How do I pay myself as a small business owner?\" is a question every entrepreneur faces when starting up. The Bionic blog tells you all you need to know.",{"images":2878,"linkedItemCodenames":2884,"linkedItems":2885,"links":2886,"name":905,"type":189,"value":2887},[2879],{"description":2880,"imageId":2881,"url":2882,"height":2883,"width":2883},"Hand holding pen and filling in tax forms. Calculator shows sum of 236.12 and laptop is open with spreadsheet. Small business owner is calculating how much he can pay himself.","e49234c6-0b54-4c97-bdd9-6e51316ec54f","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F3c989112-a012-40d9-a85c-0569e83ff856\u002FEssentials%20%E2%80%93%20How%20do%20I%20pay%20myself%20as%20a%20small%20business%20owner.png",400,[],[],[],"\u003Cp>As a business owner, keeping things ticking over should always be your number one priority. \u003C\u002Fp>\n\u003Cp>Sure, we may all want to be the next Jeff Bezos or Elon Musk, but the unfortunate truth is that, as a business owner, your own pay packet is last on the list of priorities. \u003C\u002Fp>\n\u003Cp>Only once things are running like clockwork - your rent is up to date and staff are being paid on time - can you even begin to think about paying yourself.\u003C\u002Fp>\n\u003Cp>But how much should that pay packet be? \u003C\u002Fp>\n\u003Cp>Is it right to pay yourself just enough to get by, so you can keep as much as possible in the coffers for a rainy day? Or do you deserve an executive wage as a reward for getting things off the ground?\u003C\u002Fp>\n\u003Cp>The sensible approach would be to keep your wage to a bare minimum until your business is at least turning a profit. But, even once you reach this stage, what’s a fair wage for your time and efforts?\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"e49234c6-0b54-4c97-bdd9-6e51316ec54f\" data-image-id=\"e49234c6-0b54-4c97-bdd9-6e51316ec54f\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F3c989112-a012-40d9-a85c-0569e83ff856\u002FEssentials%20%E2%80%93%20How%20do%20I%20pay%20myself%20as%20a%20small%20business%20owner.png\" data-asset-id=\"e49234c6-0b54-4c97-bdd9-6e51316ec54f\" data-image-id=\"e49234c6-0b54-4c97-bdd9-6e51316ec54f\" alt=\"Hand holding pen and filling in tax forms. Calculator shows sum of 236.12 and laptop is open with spreadsheet. Small business owner is calculating how much he can pay himself.\">\u003C\u002Ffigure>\n\u003Ch2>How much should I pay myself?\u003C\u002Fh2>\n\u003Cp>As all businesses are unique and business owners’ circumstances differ, this is a hard question to answer with definitive figures, but we’ll try to at least give you a rough idea.\u003C\u002Fp>\n\u003Cp>On the one hand, the amount you pay yourself should come down to your business and its circumstances - taking into account factors such as the industry you operate in, your business model, and your turnover.\u003C\u002Fp>\n\u003Cp>Ultimately, you should aim to strike a balance between investment in your business, and paying yourself a wage. Entrepreneurs will often take a basic wage to simply cover living expenses in the early days, as this is a way to ensure the business has maximum investment while reducing the amount of start-up capital needed.\u003C\u002Fp>\n\u003Cp>To do this, you need to work out your basic worth, and this can be done by following the steps below.\u003C\u002Fp>\n\u003Ch3>How to work out your basic worth\u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>Take your basic worth (the minimum you want to make when going into business).\u003C\u002Fli>\n  \u003Cli>Divide it by 12.\u003C\u002Fli>\n  \u003Cli>Multiply the rate of inflation by 4.\u003C\u002Fli>\n  \u003Cli>This gives you the % to add to your monthly income.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>For example*:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Basic worth\u003C\u002Fstrong> = £25,000\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Monthly wage\u003C\u002Fstrong> = £2166.66\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Inflation rate\u003C\u002Fstrong> = 4% x 4 = 16%\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>New monthly wage\u003C\u002Fstrong> = £2166.66 + 16% = £2512.66\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>New yearly wage\u003C\u002Fstrong> = £2512.66 x 12 = £30,151.92\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Unfortunately, it’s not enough to simply break even, and your priority should be to make sure that your business is financially stable. \u003C\u002Fp>\n\u003Ch2>When can I increase my salary? \u003C\u002Fh2>\n\u003Cp>Again, every business is different, so there is no one size fits all answer to this question. The obvious answer would probably be that you can increase your salary when your business breaks even, but even this comes with some caveats.\u003C\u002Fp>\n\u003Cp>It’s not enough to simply break even, and your priority should be to make sure that your business is financially stable. This is because every inflated overhead will impact the overall cash flow of your business. This means that paying yourself more when it's not financially robust enough can harm growth.\u003C\u002Fp>\n\u003Cp>To avoid this happening to your business, it can help to tie your salary in with your business’s growth.\u003C\u002Fp>\n\u003Ch2>How to tie your salary into your business’s growth\u003C\u002Fh2>\n\u003Cp>If your business grows by 5% over a quarter, then reward yourself with a quarterly wage bonus of the same amount, as below:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Take your monthly wage.\u003C\u002Fli>\n  \u003Cli>Multiply it by 3 (number of months in a quarter).\u003C\u002Fli>\n  \u003Cli>Work out your bonus % based on the growth % of your business against your quarterly wage.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>For example*:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Monthly wage\u003C\u002Fstrong> = £2512.66\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Quarterly wage\u003C\u002Fstrong> = £2512.66 x 3 = £7537.98\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Bonus for the quarter \u003C\u002Fstrong>= 5% of £7537.98 = £376.89\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>*Please note: There are several ways that you can arrive at a figure when working out how much you should pay yourself. The above are simply suggested methods.\u003C\u002Fp>\n\u003Cp>You should then reassess your salary annually, based on the growth and performance of your business. But, above all, remember to be realistic with your wage, and make sure it’s financially sustainable for your business.\u003C\u002Fp>\n\u003Cp>If your business is paying inflated overheads, it’s worth looking at your business essentials - the tech-enabled team at Bionic can help cut your commercial energy bills and find a great deal on business phone and broadband. To see how much you could save, enter your business postcode at Bionic.co.uk.\u003C\u002Fp>\n\u003Ch2>How do I pay myself as a business owner?\u003C\u002Fh2>\n\u003Cp>There are two main ways you can pay yourself as a business owner - through business drawings or a salary. The method you choose will depend upon whether you're a sole trader or you run a limited company.\u003C\u002Fp>\n\u003Ch3>How do I pay myself as a sole trader?\u003C\u002Fh3>\n\u003Cp>If you’re a sole trader, then all profit earned is yours. Using this money is classed as “business drawings”, and is different from taking a wage. On the downside, you are personally liable (you have unlimited liability) for your tax bills, so you need to make sure that you properly record any drawings you take from the business.\u003C\u002Fp>\n\u003Cp>If you don’t pay your tax, HMRC will come for your personal assets. Remember, the money you withdraw from your business is not taxable – but your profit, or income, is.\u003C\u002Fp>\n\u003Cp>If you are a sole trader, it could be worth setting up a separate tax savings bank account and aiming to deposit up to 25% of all net income. Then, at the end of the tax year, you'll pay a self-assessment bill. You should speak with your accountant on whether you need to have another bank account for your VAT.\u003C\u002Fp>\n\u003Ch4>What are the advantages and disadvantages of business drawings?\u003C\u002Fh4>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Advantages of business dawings\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Disadvantages of business drawings\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Payment flexibility. The amount you can draw depends upon the performance of your business. This means you can earn more when your business is doing well. \u003C\u002Ftd>\u003Ctd>You'll need to budget for a tax bill at the end of the year. If you don't have the funds available, you may be able to cover the cost with a business loan for tax or VAT bills.  \u003C\u002Ftd>\u003C\u002Ftr>\n\u003C\u002Ftbody>\u003C\u002Ftable>\n\u003Ch3>How do I pay myself if I run a limited company?\u003C\u002Fh3>\n\u003Cp>If you are a limited company paying yourself, things work quite differently because you are an employee of the company, even if you are the sole employee.\u003C\u002Fp>\n\u003Cp>In this instance, it might help to think of your business and yourself as two separate entities. \u003C\u002Fp>\n\u003Cp>If you pay yourself under £486 per month you can be exempt from paying tax, yet if you earn more, then you need to register yourself as an employer at the government website. \u003C\u002Fp>\n\u003Cp>From there you'll receive two letters from HMRC which will include your PAYE and Accounts Office references and your activation code for PAYE online. After this, you will need to set up a payroll. Visit GOV.UK for more information on setting up and running a payroll.\u003C\u002Fp>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Advantages of taking a salary\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Disadvantages of taking a salary\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>A regular payment that can help you budget personally and help to budget your business costs.\u003C\u002Ftd>\u003Ctd>Less flexibility for taking a wage as it's not as easy to simply adjust your salary if your business is doing well.\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Taxes are deducted in advance, so no big end of year tax bill to consider.\u003C\u002Ftd>\u003Ctd>\u003Cbr>\u003C\u002Ftd>\u003C\u002Ftr>\n\u003C\u002Ftbody>\u003C\u002Ftable>\n\u003Cp>As you can see there’s a lot more to consider when deciding how much to pay yourself as a business owner, other than the figure that you will be bringing home every month. You should also take into account the tax implications that your monthly wage has and, most importantly, whether it’s financially feasible for your business to support the wage you want.\u003C\u002Fp>\n\u003Ch2>Mistakes to avoid when paying yourself as a business owner\u003C\u002Fh2>\n\u003Cp>There are a number of pitfalls to consider when paying yourself as a business owner. Try to avoid these common mistakes:\u003C\u002Fp>\n\u003Ch3>Not keeping your personal and business finances separate \u003C\u002Fh3>\n\u003Cp>Opening a separate business bank account is the first thing you should do when starting a business. Any money your business makes should then be deposited into this account and business expenses should be paid from it.\u003C\u002Fp>\n\u003Cp>Keeping your business and personal finances separate will help you keep a handle on the financial health of your business and help make accounting and tax returns more straightforward.\u003C\u002Fp>\n\u003Ch3>Not paying yourself at all\u003C\u002Fh3>\n\u003Cp>Although covering your business costs has to be first priority, not factoring in your own wages as one of those costs is almost certainly dooming your business to failure, especially if you have no other source of income.  If you can't afford to pay yourself, you should look at ways to cut business costs so you can take a reasonable cut for yourself.\u003C\u002Fp>\n\u003Ch3>Not putting money aside for an emergency fund\u003C\u002Fh3>\n\u003Cp>If you rely on your business for income, you'll need to put aside an emergency fund for both yourself and your business. This should be enough to cover at least three months' worth of business costs and three months' worth of income for yourself.  \u003C\u002Fp>\n\u003Cp>It's not always easy finding the money to put aside should you stop trading for any reason, so it might also be worth looking into business interruption insurance.  \u003C\u002Fp>\n\u003Ch2>How to cut your business overheads with Bionic\u003C\u002Fh2>\n\u003Cp>If you’re paying too much for your business essentials - such as business gas and business electricity - or your broadband isn’t offering enough bang for your buck, speak to the tech-enabled team at Bionic - we could knock thousands off your annual overheads.\u003C\u002Fp>\n\u003Cp>To find out how much you could save, get in touch with our tech-enabled experts today.\u003C\u002Fp>",{"name":908,"type":15,"value":2889,"linkedItems":2890},[1774],[],{"name":913,"type":15,"value":2892,"linkedItems":2893},[],[],{"name":918,"type":919,"value":2895,"displayTimeZone":784},"2022-07-13T00:00:00Z",{"name":923,"type":919,"value":784,"displayTimeZone":784},{"name":925,"type":11,"value":2898},"how-do-i-pay-myself-as-a-small-business-owner\u002F",{"name":928,"type":7,"value":2900},"How Do I Pay Myself as a Small Business Owner? | Bionic",{"name":931,"type":7,"value":2876},{"name":934,"type":935,"value":2903},[2904],{"name":938,"codename":939},{"name":941,"type":7,"value":2906},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-finance\u002Fguides\u002Fhow-do-i-pay-myself-as-a-small-business-owner\u002F",{"name":944,"type":15,"value":2908,"linkedItems":2909},[],[],{"name":948,"type":15,"value":2911,"linkedItems":2912},[2837],[],{"name":953,"type":15,"value":2914,"linkedItems":2915},[],[],{"name":958,"type":15,"value":2917,"linkedItems":2918},[],[],{"name":962,"type":23,"value":2920},[2921],{"name":2922,"description":2880,"type":28,"size":2923,"url":2882,"width":2883,"height":2883,"renditions":2924},"Essentials – How do I pay myself as a small business owner.png",289661,{},{"name":969,"type":935,"value":2926},[2927],{"name":972,"codename":973},{"name":975,"type":935,"value":2929},[2930],{"name":938,"codename":939},{"name":979,"type":935,"value":2932},[],{"name":983,"type":935,"value":2934},[2935],{"name":972,"codename":973},{"codename":2937,"collection":81,"id":2938,"language":81,"lastModified":2939,"name":2940,"sitemapLocations":2941,"type":990,"workflowStep":87,"workflow":81},"essentials_guide___how_do_i_pay_myself_as_a_small_","13ebb707-e7de-42da-be43-84a0d15d9e95","2026-06-04T09:56:38.9086753Z","FINANCE GUIDE - How do I pay myself as a small business owner?",[],{"elements":2943,"system":3009},{"post__title":2944,"post__summary":2946,"post__content":2948,"post__author":2958,"post__reviewer":2961,"publish_date":2964,"updated_date":2966,"url":2967,"seo__meta_title":2969,"seo__meta_description":2971,"seo__add_no_index_tag":2973,"seo__canonical_url":2976,"related_articles":2978,"categories":2981,"subfolder":2984,"tags":2987,"thumbnail_image":2990,"show_on_index_page":2998,"hide_author":3001,"hide_reviewer":3004,"hide_tags":3006},{"name":146,"type":7,"value":2945},"What is a small business?",{"name":748,"type":7,"value":2947},"A number of factors determine whether your small business is classed as a SME. Take a look at our simple guide to see where your firm fits in.",{"images":2949,"linkedItemCodenames":2954,"linkedItems":2955,"links":2956,"name":905,"type":189,"value":2957},[2950],{"description":2951,"imageId":2952,"url":2953,"height":1264,"width":1265},"The car service technician writes notes while working on the computer in the offices and checks the invoice issued by the client.","9fa8aa22-c61c-47b1-896f-a47eefd35e20","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F3a589393-289f-45f3-8082-d6cfc1097d04\u002FGettyImages-1290412824.jpg",[],[],[],"\u003Cp>Small and medium enterprises (SMEs) make up 99% of businesses in the UK, but not all small businesses are classed as SMEs. You might think it doesn't matter, but your business classification can affect how you run it.  \u003C\u002Fp>\n\u003Cp>If, for instance, you fall into the ‘micro business’ category, then you’ll find the rules around \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002F\">switching business energy\u003C\u002Fa> suppliers are slightly different to the rules for other types of business.\u003C\u002Fp>\n\u003Cp>There are a number of factors that determine whether or not your business is classed as a microbusiness, small business or SME. Let's take a look to see where your firm fits in.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"9fa8aa22-c61c-47b1-896f-a47eefd35e20\" data-image-id=\"9fa8aa22-c61c-47b1-896f-a47eefd35e20\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F3a589393-289f-45f3-8082-d6cfc1097d04\u002FGettyImages-1290412824.jpg\" data-asset-id=\"9fa8aa22-c61c-47b1-896f-a47eefd35e20\" data-image-id=\"9fa8aa22-c61c-47b1-896f-a47eefd35e20\" alt=\"The car service technician writes notes while working on the computer in the offices and checks the invoice issued by the client.\">\u003C\u002Ffigure>\n\u003Ch2>What is an SME?\u003C\u002Fh2>\n\u003Cp>The UK government defines SMEs into three categories, based on employee numbers and turnover:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Microbusiness - less than 10 employees and an annual turnover under €2 million\u003C\u002Fli>\n  \u003Cli>Small business - less than 50 employees and an annual turnover under €10 million\u003C\u002Fli>\n  \u003Cli>Medium-sized business - less than 250 employees and an annual turnover under €50 million \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>Does everyone have the same definition of an SME?\u003C\u002Fh3>\n\u003Cp>Small businesses are \u003Ca href=\"https:\u002F\u002Fthebackbone.substack.com\u002F\">the backbone\u003C\u002Fa> of the \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-finance\u002Fguides\u002Fthe-role-of-small-businesses-in-the-uk-economy\u002F\">UK economy\u003C\u002Fa> – helping to provide jobs and support to spending on both a local and national scale - but it can be difficult to determine exactly which firms fit into the SME category. \u003C\u002Fp>\n\u003Cp>If you asked 100 people 'what is a small business?’ you'd get a range of answers as there are different ideas about what actually makes a small business. To complicate things further, not everyone subscribes to the same definition and different organisations use their own criteria to determine what makes an SME.\u003C\u002Fp>\n\u003Cp>The problem in providing specifics when trying to define small and medium enterprises is that no one can agree on a single description. Where the \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fblog\u002Fhow-will-brexit-impact-business-energy-bills\u002F\">European Union\u003C\u002Fa> (EU) offers its own SME definition, UK bodies such as Ofgem have a different interpretation of how medium, small and micro business sizes should be defined.\u003C\u002Fp>\n\u003Cp>For example, the EU's business size standards use turnover, balance sheet total and employee size to determine their definition of an SME. But this may not be appropriate in certain industries. \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fbusiness-energy-suppliers\u002F\">Business energy suppliers\u003C\u002Fa> and utility providers, for instance, prefer to consider gas and electricity usage when deciding on suitable business size definitions.\u003C\u002Fp>\n\u003Cp>Another issue with trying to determine how a small business is defined is that official bodies sometimes review their SME definition to reflect social and economic changes. Micro businesses, for example, are becoming more commonplace. \u003C\u002Fp>\n\u003Cp>So, just how do we answer the question ‘what is a microbusiness?’ The government has issued its microbusiness definition to help \u003Ca href=\"https:\u002F\u002Fwww.ofgem.gov.uk\u002Fsites\u002Fdefault\u002Ffiles\u002Fdocs\u002F2008\u002F04\u002Fofgem---defining-micro-businesses-180308.pdf\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">distinguish between the needs of microbusinesses and small businesses\u003C\u002Fa>.\u003C\u002Fp>\n\u003Ch2>Does the balance sheet matter?\u003C\u002Fh2>\n\u003Cp>The UK definition of an SME looks at employee numbers and turnover, but the EU definition also considers what's on the balance sheet. For reference, the balance sheet shows the assets and liabilities of a business (what it owns and what it owes) and can be used to show the \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-essentials\u002Fguides\u002Fhow-to-value-a-business\u002F\">value of your business\u003C\u002Fa> on a certain date.\u003C\u002Fp>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Business size\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Annual balance sheet total\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Microbusiness\u003C\u002Ftd>\u003Ctd>Equal to or less than €2 million\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Small business  \u003C\u002Ftd>\u003Ctd>Equal to or less than € 10 million\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Medium business \u003C\u002Ftd>\u003Ctd>Equal to or less than €43 million \u003C\u002Ftd>\u003C\u002Ftr>\n\u003C\u002Ftbody>\u003C\u002Ftable>\n\u003Ch2>Does the number of employees matter?\u003C\u002Fh2>\n\u003Cp>The number of staff that a business employs is one of the most widely accepted ways of indicating SME size. These figures can often change from country to country, but below are the official benchmark figures as set out by the EU and the UK.\u003C\u002Fp>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Business size\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Number of employees \u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Microbusiness\u003C\u002Ftd>\u003Ctd>Less than 10\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Small business  \u003C\u002Ftd>\u003Ctd>Between 11 and 50\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Medium business \u003C\u002Ftd>\u003Ctd>Between 51 and 250 \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Large business   \u003C\u002Ftd>\u003Ctd>Between 251 and 1,000  \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Enterprise\u003C\u002Ftd>\u003Ctd>More than 1,000 \u003C\u002Ftd>\u003C\u002Ftr>\n\u003C\u002Ftbody>\u003C\u002Ftable>\n\u003Ch2>Does the annual turnover matter?\u003C\u002Fh2>\n\u003Cp>Annual turnover is the total amount of money your business brings in as a result of the sales from your goods and\u002For services over a 12 month period. This can be across a calendar year or financial year, which is also known as a 'tax year' and runs from April 6 to April 5.  \u003C\u002Fp>\n\u003Cp>Both the UK and EU use the following annual turnover amounts to define the size of an SME.\u003C\u002Fp>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Business size\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Annual turnover   \u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Microbusiness\u003C\u002Ftd>\u003Ctd>Equal to or less than €2 million  \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Small business  \u003C\u002Ftd>\u003Ctd>Equal to or less than €10 million \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Medium business \u003C\u002Ftd>\u003Ctd>Equal to or less than €50 million \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>\u003Cbr>\u003C\u002Ftd>\u003Ctd>Equal to or less than € 43 million   \u003C\u002Ftd>\u003C\u002Ftr>\n\u003C\u002Ftbody>\u003C\u002Ftable>\n\u003Ch2>Does energy usage matter?\u003C\u002Fh2>\n\u003Cp>When sorting your \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002F\">business energy contracts\u003C\u002Fa>, brokers and suppliers will use the Ofgem SME definition to work out what type of contract would best suit your needs. Below you can find the definition of micro, small, medium and large businesses by annual energy usage, ordered by the \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Faverage-energy-usage-for-businesses\u002F\">average business energy usage\u003C\u002Fa>.\u003C\u002Fp>\n\u003Ch3>How much electricity does your business use?\u003C\u002Fh3>\n\u003Cp>To give you an idea of how much energy your business should be using, here's a guide to average \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fbusiness-electricity\u002F\">business electricity\u003C\u002Fa> usage.\u003C\u002Fp>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Business size\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Electricity use by kWh  \u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Micro business\u003C\u002Ftd>\u003Ctd>Between 5,000 kWh and 15,000 kWh   \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Small business  \u003C\u002Ftd>\u003Ctd>Between 15,000 kWh and 25,000 kWh   \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Medium business \u003C\u002Ftd>\u003Ctd>Between 30,000 kWh and 50,000 kWh \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Large business   \u003C\u002Ftd>\u003Ctd>More than 50,000 kWh      \u003C\u002Ftd>\u003C\u002Ftr>\n\u003C\u002Ftbody>\u003C\u002Ftable>\n\u003Ch3>How much gas does your business use?\u003C\u002Fh3>\n\u003Cp>To give you an idea of how much energy your business should be using, here's a guide to average \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fbusiness-gas\u002F\">business gas\u003C\u002Fa> usage.\u003C\u002Fp>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Business size\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Gas use by kWh  \u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Micro business\u003C\u002Ftd>\u003Ctd>Between 5,000 kWh and 15,000 kWh  \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Small business  \u003C\u002Ftd>\u003Ctd>Between 15,000 kWh and 30,000 kWh   \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Medium business \u003C\u002Ftd>\u003Ctd>Between 30,000 kWh and 65,000 kWh\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Large business   \u003C\u002Ftd>\u003Ctd>More than 65,000 kWh    \u003C\u002Ftd>\u003C\u002Ftr>\n\u003C\u002Ftbody>\u003C\u002Ftable>\n\u003Ch2>Does business size affect insurance costs?\u003C\u002Fh2>\n\u003Cp>The majority of businesses will take out \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\">business insurance\u003C\u002Fa> to protect their financial security, and this can be another useful indicator of their size. This method is not formally recognised by any official bodies outside of the insurance sector, but it is a good way to further define what an SME company is.\u003C\u002Fp>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Business size\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Insurance premium cost  per year \u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Microbusiness\u003C\u002Ftd>\u003Ctd>Less than £500    \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Small business  \u003C\u002Ftd>\u003Ctd>Between £500 and £2,000    \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Medium business \u003C\u002Ftd>\u003Ctd>Between £2,000 and £6,000  \u003C\u002Ftd>\u003C\u002Ftr>\n  \u003Ctr>\u003Ctd>Large business   \u003C\u002Ftd>\u003Ctd>More than £6,000   \u003C\u002Ftd>\u003C\u002Ftr>\n\u003C\u002Ftbody>\u003C\u002Ftable>\n\u003Ch2>Are there any exceptions?\u003C\u002Fh2>\n\u003Cp>When defining the size of your business, there are some exceptions to be aware of. The main one is that an enterprise (another way of saying 'a business') must be autonomous or part of a group of affiliated enterprises that together fall into the categories laid out above. \u003C\u002Fp>\n\u003Cp>That basically means your business must be fully independent. If it is part of a group then to be classed as an SME your business must hold less than 25% of capital or voting rights in another business or another business must hold less than 25% of capital or voting rights in your business. \u003C\u002Fp>\n\u003Cp>If, for example, your business is a franchise or has a close working relationship with another enterprise - and you exceed the threshold for the SME definition - then this means you cannot define your business as an SME.\u003C\u002Fp>\n\u003Cp>You can find out more by reading the \u003Ca href=\"https:\u002F\u002Fec.europa.eu\u002Fregional_policy\u002Fsources\u002Fconferences\u002Fstate-aid\u002Fsme\u002Fsmedefinitionguide_en.pdf\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">EC user guide to the SME definition\u003C\u002Fa>.   \u003C\u002Fp>\n\u003Ch2>Are you a small business owner?\u003C\u002Fh2>\n\u003Cp>In order to define your business’s size, you must first measure it against the corresponding employee number. In addition, you must also measure it against either the turnover or profit figures.\u003C\u002Fp>\n\u003Cp>Providing you meet these criteria, you can declare your business as an SME. You can find out more in our guide to \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-essentials\u002Fguides\u002Fhow-to-register-a-business\u002F\">registering a business in the UK\u003C\u002Fa>.\u003C\u002Fp>\n\u003Ch2>What are the benefits of declaring myself as an SME? \u003C\u002Fh2>\n\u003Cp>The size of your business can have an impact on everything from your \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fcredit-score-and-business-energy\u002F\">business credit score\u003C\u002Fa> to the energy rates you're offered and the amount you can borrow through a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-finance\u002F\">business loan\u003C\u002Fa>. It also has a bearing on the amount you need to pay in taxes such as \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002Fguides\u002Fvat-for-business-energy\u002F\">VAT \u003C\u002Fa>and \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-finance\u002Fguides\u002Fnational-insurance-contributions\u002F\">National Insurance Contributions\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cp>If you run an SME, you could find you're also entitled to certain grants and other types of funding. Unlike business loans, there's no need to repay a grant, but it will come with certain conditions and can only be used for specific purposes. To find out more, check out our guide to the \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-finance\u002Fguides\u002Fsmall-business-grants\u002F\">best grants for small businesses\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cp>If you're looking to cut your business costs, get in touch with the tech-enabled team at Bionic. We can save you time and money when switching business essentials, including \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002F\">business energy\u003C\u002Fa>, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002F\">phone and broadband\u003C\u002Fa>. We can also help you find \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\">insurance \u003C\u002Fa>to protect against the unique risks that face your business, and future proof your \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002Fbusiness-phone-line\u002F\">business phone\u003C\u002Fa> line with \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002Fbusiness-voip\u002F\">VoIP\u003C\u002Fa>. \u003C\u002Fp>",{"name":908,"type":15,"value":2959,"linkedItems":2960},[1774],[],{"name":913,"type":15,"value":2962,"linkedItems":2963},[],[],{"name":918,"type":919,"value":2965,"displayTimeZone":784},"2022-07-21T00:00:00Z",{"name":923,"type":919,"value":784,"displayTimeZone":784},{"name":925,"type":11,"value":2968},"what-is-a-small-business\u002F",{"name":928,"type":7,"value":2970},"What is a Small Business? | What is a SME? ",{"name":931,"type":7,"value":2972},"A number of factors determine whether your small business is classed as an SME. 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