[{"data":1,"prerenderedAt":1373},["ShallowReactive",2],{"schema:\u002Fbusiness-insurance\u002Fcomplementary-therapists\u002F":3},{"elements":4,"system":1366},{"product_name":5,"slug":9,"content_block___hero":13,"content_block___supplier":95,"content_blocks":121,"meta_title":1349,"meta_description":1352,"meta_canonical":1355,"meta_robots":1358,"meta_aggregate_schema":1363},{"name":6,"type":7,"value":8},"Product Name","text","business-insurance-complementary-therapists",{"name":10,"type":11,"value":12},"Slug","url_slug","business-insurance\u002Fcomplementary-therapists\u002F",{"name":14,"type":15,"value":16,"linkedItems":18},"Content Block - Hero","modular_content",[17],"content_block___hero___complementary_therapist",[19],{"elements":20,"system":89},{"product_icon":21,"tagline":33,"heading":36,"hero_bullet_one":39,"hero_bullet_two":42,"hero_bullet_three":45,"cta_button_text":48,"cta_link_url":51,"secondary_cta_button_text":54,"secondary_cta_link_url":57,"hero_image":59,"theme":71},{"name":22,"type":23,"value":24},"Product Icon","asset",[25],{"name":26,"description":27,"type":28,"size":29,"url":30,"width":31,"height":31,"renditions":32},"Product-Insurance-Icon-dark.png","insurance-icon","image\u002Fpng",2959,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Ff91ff7a4-11ec-4d86-91f7-d4d31d1f475c\u002FProduct-Insurance-Icon-dark.png",80,{},{"name":34,"type":7,"value":35},"Tagline","Complementary Therapists Insurance",{"name":37,"type":7,"value":38},"Heading","Compare insurance for holistic practitioners",{"name":40,"type":7,"value":41},"Hero Bullet One","Insure your practice from 23p a day*",{"name":43,"type":7,"value":44},"Hero Bullet Two","Protect against claims from clients and the public  ",{"name":46,"type":7,"value":47},"Hero Bullet Three","86% of businesses are happy with our customer service",{"name":49,"type":7,"value":50},"CTA Button Text","Start a quote",{"name":52,"type":7,"value":53},"CTA Link URL","https:\u002F\u002Fbusiness-insurance.bionic.co.uk\u002F?ppcref=seotherapists",{"name":55,"type":7,"value":56},"Secondary CTA Button Text","",{"name":58,"type":7,"value":56},"Secondary CTA Link URL",{"name":60,"type":23,"value":61},"Hero Image",[62],{"name":63,"description":64,"type":65,"size":66,"url":67,"width":68,"height":69,"renditions":70},"Product=Insurance, Trade=Complementary Therapist.webp","Female Complementary Therapist in a light blue blouse standing over a patient who is lying down with her eyes closed. The therapist is performing therapy.","image\u002Fwebp",45788,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Fef6e523a-7351-4215-9ed4-01f4579fd6ba\u002FProduct%3DInsurance%2C%20Trade%3DComplementary%20Therapist.webp",694,578,{},{"name":72,"type":15,"value":73,"linkedItems":75},"Theme",[74],"content_block___theme___navy_cabc44a",[76],{"elements":77,"system":81},{"colour":78},{"name":79,"type":7,"value":80},"Colour","White",{"codename":74,"collection":82,"id":83,"language":82,"lastModified":84,"name":85,"sitemapLocations":86,"type":87,"workflowStep":88,"workflow":82},"default","cabc44a2-ac12-4719-bcb0-54147bebae8c","2025-04-09T16:40:53.9170775Z","Content Block - Theme - White",[],"content_block___theme","published",{"codename":17,"collection":82,"id":90,"language":82,"lastModified":91,"name":92,"sitemapLocations":93,"type":94,"workflowStep":88,"workflow":82},"e7b2228b-e35c-47ff-b3ae-c25efbacd81e","2026-03-31T15:20:53.0913054Z","Content Block - Hero - Complementary Therapist",[],"content_block___hero",{"name":96,"type":15,"value":97,"linkedItems":99},"Content Block - Supplier",[98],"content_block___supplier_carousel___insurance",[100],{"elements":101,"system":115},{"tagline":102,"supplier_image":104},{"name":34,"type":7,"value":103},"We compare a vetted panel of trusted business suppliers",{"name":105,"type":23,"value":106},"Supplier Image",[107],{"name":108,"description":109,"type":28,"size":110,"url":111,"width":112,"height":113,"renditions":114},"insurance-carousel.png","supplier-carousel",35972,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Fa6d25ea6-69e0-4a9b-8c2e-d3a0207f9504\u002Finsurance-carousel.png",2134,48,{},{"codename":98,"collection":82,"id":116,"language":82,"lastModified":117,"name":118,"sitemapLocations":119,"type":120,"workflowStep":88,"workflow":82},"39b5b18e-37fb-4e8b-b0d0-e723cea57acc","2024-12-02T15:51:09.3529699Z","Content Block - Supplier Carousel - Insurance",[],"content_block___supplier_carousel",{"name":122,"type":15,"value":123,"linkedItems":143},"Content Blocks",[124,125,126,127,128,129,130,131,132,133,134,135,136,137,138,139,140,141,142],"content_block___sticky_cta___complementary_therapi","untitled_content_item_f047cf8","untitled_content_item_e822272","untitled_content_item_1113e9d","untitled_content_item_648bdfd","untitled_content_item_5dbc30d","content_block___cta___start_a_quote_online","untitled_content_item_4632298","untitled_content_item_5e16be0","untitled_content_item_1d6f028","untitled_content_item_83cf189","content_block_cta___seo","content_block___how_does_it_work___how_bionic_busi","content_block___bullet_points___ins_getting_starte","content_block___trust_pilot__slider","untitled_content_item_88b937f","content_block___guides___acupuncture","content_block___image_with_cta___ins_backbone","content_block___social",[144,158,175,196,225,243,361,390,418,436,454,483,499,542,603,617,667,1311,1342],{"elements":145,"system":152},{"title":146,"tagline":149,"cta_button_text":150,"cta_link_url":151},{"name":147,"type":7,"value":148},"Title","Let us help, for a change. ",{"name":34,"type":7,"value":56},{"name":49,"type":7,"value":50},{"name":52,"type":7,"value":53},{"codename":124,"collection":82,"id":153,"language":82,"lastModified":154,"name":155,"sitemapLocations":156,"type":157,"workflowStep":88,"workflow":82},"f10d9b6b-58a8-404b-ad33-2b541d914358","2026-01-26T09:13:39.8983528Z","Content Block - Sticky CTA - Complementary Therapist Insurance",[],"content_block__sticky__cta",{"elements":159,"system":169},{"text_left":160,"text_middle":163,"text_right":166},{"name":161,"type":7,"value":162},"Text Left","Bionic specialises in business insurance for sole traders, small businesses and more",{"name":164,"type":7,"value":165},"Text Middle","Get cover to protect against employees, clients and more - no unnecessary add-ons",{"name":167,"type":7,"value":168},"Text Right","Bionic is trusted by UK businesses and won 'Highly Commended' at the 2025 Insurance Broker Awards",{"codename":125,"collection":82,"id":170,"language":82,"lastModified":171,"name":172,"sitemapLocations":173,"type":174,"workflowStep":88,"workflow":82},"f047cf8e-42cf-4998-ba84-f64751cb8dcd","2026-03-31T15:21:44.6232296Z","Content Block - USP - Complementary Therapists",[],"content_block___usp_",{"elements":176,"system":190},{"title_accent":177,"title":180,"text":182},{"name":178,"type":7,"value":179},"Title Accent","What is...",{"name":147,"type":7,"value":181},"complementary therapist insurance?",{"images":183,"linkedItemCodenames":184,"linkedItems":185,"links":186,"name":187,"type":188,"value":189},[],[],[],[],"Text","rich_text","\u003Cp>When helping clients achieve ultimate wellness with natural and holistic therapies, organising insurance is probably the last thing on your mind. But even the most experienced practitioners can make mistakes. \u003C\u002Fp>\n\u003Cp>Whether you work with hot oils or specialise in deep tissue massages, if you’re working closely with clients it’s best to be protected. \u003C\u002Fp>\n\u003Cp>We can help arrange insurance suitable for the majority of complementary therapists, so you can continue your practice with peace of mind. \u003C\u002Fp>",{"codename":126,"collection":82,"id":191,"language":82,"lastModified":192,"name":193,"sitemapLocations":194,"type":195,"workflowStep":88,"workflow":82},"e822272c-3bd0-4355-9da7-8f3b01aa97ab","2025-04-25T10:26:13.1684806Z","Content Block - One Column Styled - What is complementary therapist insurance?",[],"content_block___one_column_styled_heading",{"elements":197,"system":219},{"title":198,"text":200,"theme":206},{"name":147,"type":7,"value":199},"Which complementary therapists can get cover?",{"images":201,"linkedItemCodenames":202,"linkedItems":203,"links":204,"name":187,"type":188,"value":205},[],[],[],[],"\u003Cp>Whether you’re self-employed or have your own practice, we can guide you through your options. As an example, we can insure practices such as: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Facupuncture\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Acupuncture \u003C\u002Fa>\u003C\u002Fli>\n  \u003Cli>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Faromatherapy\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Aromatherapy \u003C\u002Fa>\u003C\u002Fli>\n  \u003Cli>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Freflexology\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Reflexology \u003C\u002Fa>\u003C\u002Fli>\n  \u003Cli>Reiki \u003C\u002Fli>\n  \u003Cli>Massage therapy \u003C\u002Fli>\n  \u003Cli>Crystal healing \u003C\u002Fli>\n  \u003Cli>Massage \u003C\u002Fli>\n  \u003Cli>Sports therapy \u003C\u002Fli>\n  \u003Cli>Sound therapy \u003C\u002Fli>\n  \u003Cli>Feng Shui \u003C\u002Fli>\n  \u003Cli>Meditation and mindfulness coaching \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Can’t see your business listed? It’s likely we can still insure you.\u003C\u002Fp>",{"name":72,"type":15,"value":207,"linkedItems":209},[208],"content_block___theme___navy",[210],{"elements":211,"system":214},{"colour":212},{"name":79,"type":7,"value":213},"Navy",{"codename":208,"collection":82,"id":215,"language":82,"lastModified":216,"name":217,"sitemapLocations":218,"type":87,"workflowStep":88,"workflow":82},"324b67a1-399c-4efe-a4b4-791af801a4fd","2024-11-08T10:57:29.8395583Z","Content Block - Theme - Navy",[],{"codename":127,"collection":82,"id":220,"language":82,"lastModified":221,"name":222,"sitemapLocations":223,"type":224,"workflowStep":88,"workflow":82},"1113e9d0-0453-472b-8175-dddc7072cf67","2025-04-25T10:30:33.5707016Z","Content Block - One Column - What types of complementary therapists can get cover?",[],"content_block___one_column",{"elements":226,"system":238},{"title":227,"text":229,"theme":235},{"name":147,"type":7,"value":228},"Why do complementary therapists need insurance?",{"images":230,"linkedItemCodenames":231,"linkedItems":232,"links":233,"name":187,"type":188,"value":234},[],[],[],[],"\u003Cp>As you work closely with clients, you might run into the following risks: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>A client claims harm or injury after a session \u003C\u002Fli>\n  \u003Cli>A client slips and falls in your therapy room, causing injury \u003C\u002Fli>\n  \u003Cli>Your tools and equipment are stolen or damaged \u003C\u002Fli>\n  \u003Cli>A fire or flood damages your practice space \u003C\u002Fli>\n  \u003Cli>You injure yourself while performing therapy\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>If you have your own practice – you’ll also need employers’ liability insurance, a legal requirement. If you are self-employed or contracted and work alone, you won’t need this. \u003C\u002Fp>",{"name":72,"type":15,"value":236,"linkedItems":237},[74],[76],{"codename":128,"collection":82,"id":239,"language":82,"lastModified":240,"name":241,"sitemapLocations":242,"type":224,"workflowStep":88,"workflow":82},"648bdfd7-ce30-4b5d-aba3-dd78471162dc","2025-04-25T10:55:48.4090486Z","Content Block - One Column - Why do complementary therapists need insurance?",[],{"elements":244,"system":355},{"title":245,"text":247,"cards":253},{"name":147,"type":7,"value":246},"What does complementary therapist insurance cover?",{"images":248,"linkedItemCodenames":249,"linkedItems":250,"links":251,"name":187,"type":188,"value":252},[],[],[],[],"\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 insurance cover could include:\u003C\u002Fp>",{"name":254,"type":15,"value":255,"linkedItems":261},"Cards",[256,257,258,259,260],"employers__liability_insurance","content_block___carousel___public_liability_insura","content_block___carousel_card___personal_accident__df54ed9","professional_indemnity_insurance","untitled_content_item_54ee97d",[262,284,304,319,338],{"elements":263,"system":278},{"icon":264,"title":274,"text":276},{"name":265,"type":23,"value":266},"Icon",[267],{"name":268,"description":269,"type":28,"size":270,"url":271,"width":272,"height":272,"renditions":273},"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":147,"type":7,"value":275},"Employers’ liability insurance",{"name":187,"type":7,"value":277},"If someone working for you gets ill or injured doing work on your behalf. A legal requirement if you have employees. ",{"codename":256,"collection":82,"id":279,"language":82,"lastModified":280,"name":281,"sitemapLocations":282,"type":283,"workflowStep":88,"workflow":82},"acf5662a-3064-478b-934b-ac914585c12f","2026-06-11T12:53:41.7861274Z","Content Block - Carousel Card - Employers’ liability insurance",[],"content_block___carousel_card",{"elements":285,"system":299},{"icon":286,"title":295,"text":297},{"name":265,"type":23,"value":287},[288],{"name":289,"description":290,"type":291,"size":292,"url":293,"width":272,"height":272,"renditions":294},"Icon insurance card.jpg","Insurance icon","image\u002Fjpeg",1277,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Fc2984137-6ade-4f3a-99ae-2ecf2f837ef5\u002FIcon%20insurance%20card.jpg",{},{"name":147,"type":7,"value":296},"Public liability insurance",{"name":187,"type":7,"value":298},"Cover claims if a client is injured or their property is damaged at your practice",{"codename":257,"collection":82,"id":300,"language":82,"lastModified":301,"name":302,"sitemapLocations":303,"type":283,"workflowStep":88,"workflow":82},"63e4075a-1be7-4103-b34f-3b506f49dc23","2025-03-27T14:39:44.6903005Z","Content Block - Carousel - Public liability insurance - reflexology",[],{"elements":305,"system":314},{"icon":306,"title":310,"text":312},{"name":265,"type":23,"value":307},[308],{"name":289,"description":290,"type":291,"size":292,"url":293,"width":272,"height":272,"renditions":309},{},{"name":147,"type":7,"value":311},"Personal accident insurance",{"name":187,"type":7,"value":313},"In case you injure yourself on the job and can’t work.",{"codename":258,"collection":82,"id":315,"language":82,"lastModified":316,"name":317,"sitemapLocations":318,"type":283,"workflowStep":88,"workflow":82},"df54ed91-134b-40c6-a36e-a9bc9e9dae5e","2025-04-14T09:28:00.5027034Z","Content Block - Carousel Card - Personal accident insurance - Aromatherapy",[],{"elements":320,"system":333},{"icon":321,"title":329,"text":331},{"name":265,"type":23,"value":322},[323],{"name":324,"description":325,"type":28,"size":326,"url":327,"width":272,"height":272,"renditions":328},"INS - Prof Indemnity.png","A blue x mark on a piece of paper",2958,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Fc1dc98b8-777a-40bc-83a8-81a5fa60c040\u002FINS%20-%20Prof%20Indemnity.png",{},{"name":147,"type":7,"value":330},"Professional indemnity insurance",{"name":187,"type":7,"value":332},"In case a customer sues you for damages because of a mistake in your work.",{"codename":259,"collection":82,"id":334,"language":82,"lastModified":335,"name":336,"sitemapLocations":337,"type":283,"workflowStep":88,"workflow":82},"9bf640c9-9076-4278-874a-e62a8d8fc0c0","2025-10-15T15:01:56.2772165Z","Content Block - Carousel Card - Professional indemnity insurance",[],{"elements":339,"system":350},{"icon":340,"title":346,"text":348},{"name":265,"type":23,"value":341},[342],{"name":289,"description":343,"type":291,"size":292,"url":344,"width":272,"height":272,"renditions":345},"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":147,"type":7,"value":347},"Business equipment insurance",{"name":187,"type":7,"value":349},"Covers theft or damage to essentials like laptops, recruitment software, and office equipment",{"codename":260,"collection":82,"id":351,"language":82,"lastModified":352,"name":353,"sitemapLocations":354,"type":283,"workflowStep":88,"workflow":82},"54ee97d8-1302-475f-bcf4-a44e50154c19","2026-06-15T10:47:41.4499653Z","Content Block - Carousel Card - Business equipment insurance - recuitment",[],{"codename":129,"collection":82,"id":356,"language":82,"lastModified":357,"name":358,"sitemapLocations":359,"type":360,"workflowStep":88,"workflow":82},"5dbc30dd-0a5e-416b-b65d-ed3e5863ab42","2025-04-25T10:58:20.4539062Z","Content Block - Carousel - What does complementary therapists insurance cover?",[],"content_block___carousel",{"elements":362,"system":384},{"title":363,"text":364,"cta_button_text":365,"cta_link_url":367,"tagline":369,"theme":371},{"name":147,"type":7,"value":56},{"name":187,"type":7,"value":56},{"name":49,"type":7,"value":366},"Start a quote online",{"name":52,"type":7,"value":368},"https:\u002F\u002Fbusiness-insurance.bionic.co.uk\u002F?ppcref=seogeneric",{"name":34,"type":7,"value":370},"Or speak to one of our team on 0800 032 7925",{"name":72,"type":15,"value":372,"linkedItems":374},[373],"content_block___theme___blue_b7fc496",[375],{"elements":376,"system":379},{"colour":377},{"name":79,"type":7,"value":378},"Blue",{"codename":373,"collection":82,"id":380,"language":82,"lastModified":381,"name":382,"sitemapLocations":383,"type":87,"workflowStep":88,"workflow":82},"b7fc4968-c2c4-48e1-9156-4ae5a909ec6b","2025-03-19T11:34:55.677362Z","Content Block - Theme - Blue",[],{"codename":130,"collection":82,"id":385,"language":82,"lastModified":386,"name":387,"sitemapLocations":388,"type":389,"workflowStep":88,"workflow":82},"07b7f0d1-d4fd-4b0a-8e3d-e0e2ac7a25bf","2026-01-23T17:20:23.0377362Z","Content Block - CTA - Start a quote online",[],"content_block__cta",{"elements":391,"system":413},{"title":392,"text":394,"theme":400},{"name":147,"type":7,"value":393},"How much is complementary therapists’ insurance?",{"images":395,"linkedItemCodenames":396,"linkedItems":397,"links":398,"name":187,"type":188,"value":399},[],[],[],[],"\u003Cp>Complementary therapy insurance can cost from \u003Cstrong>23p a day*\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cp>The actual premium for your holistic practice depends on your requirements. This is because your business is unique, and prices depend on a number of factors, including:  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Extent of cover \u003C\u002Fstrong>- The more cover you opt for, the more expensive your package is likely to be.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Your insurer - \u003C\u002Fstrong>The insurer you choose will also influence costs.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Experience level - \u003C\u002Fstrong>Your insurer could take into account how long you’ve been qualified. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Location \u003C\u002Fstrong> – Where you work is taken into consideration when calculating the price of your premiums.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Claims history \u003C\u002Fstrong>- Whether or not you’ve had previous claims made against you or you have made previous claims may affect your future premiums. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>\u003Csub>*The price is for a trades and professions policy – 10% of customers who were sold with one of our panel providers paid £84.20 or less annually (excluding any additional administration fees) between 01\u002F01\u002F25 & 31\u002F12\u002F2025. Equivalent to £7.02 a month or £0.23 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary depending on your business requirements.\u003C\u002Fsub>\u003C\u002Fp>",{"name":72,"type":15,"value":401,"linkedItems":403},[402],"content_block___theme___grey",[404],{"elements":405,"system":408},{"colour":406},{"name":79,"type":7,"value":407},"Grey",{"codename":402,"collection":82,"id":409,"language":82,"lastModified":410,"name":411,"sitemapLocations":412,"type":87,"workflowStep":88,"workflow":82},"7f21286b-86bb-4895-89e6-2a089b86b647","2024-10-21T16:46:34.480424Z","Content Block - Theme - Grey",[],{"codename":131,"collection":82,"id":414,"language":82,"lastModified":415,"name":416,"sitemapLocations":417,"type":224,"workflowStep":88,"workflow":82},"46322988-5850-426f-8d7a-32fd4b4b4ffa","2026-01-29T13:53:58.516032Z","Content Block - One Column - How much does complementary therapists’ insurance cost?",[],{"elements":419,"system":431},{"title":420,"text":422,"theme":428},{"name":147,"type":7,"value":421},"Do you need any qualifications to get insurance?",{"images":423,"linkedItemCodenames":424,"linkedItems":425,"links":426,"name":187,"type":188,"value":427},[],[],[],[],"\u003Cp>Some insurers may ask for proof of your qualifications, including any professional qualifications and certifications for your therapies, first aid certificates, and professional body memberships such as the Complementary and Natural Healthcare Council (CNHC) and British Complementary Medical Association (BCMA).\u003C\u002Fp>",{"name":72,"type":15,"value":429,"linkedItems":430},[208],[210],{"codename":132,"collection":82,"id":432,"language":82,"lastModified":433,"name":434,"sitemapLocations":435,"type":224,"workflowStep":88,"workflow":82},"5e16be02-d2e8-4d95-a761-cec0fd2948eb","2025-04-25T10:59:33.8641594Z","Content Block - One Column - Do you need any qualifications to get insurance?",[],{"elements":437,"system":449},{"title":438,"text":440,"theme":446},{"name":147,"type":7,"value":439},"Sort your business insurance with Bionic",{"images":441,"linkedItemCodenames":442,"linkedItems":443,"links":444,"name":187,"type":188,"value":445},[],[],[],[],"\u003Cp>At Bionic, we support UK business owners and want to help in every way we can. That’s why we have knowledgeable insurance brokers who work with a panel of trusted insurers to \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">compare business insurance\u003C\u002Fa> to find the right fit. Get started by starting a quote online. \u003C\u002Fp>",{"name":72,"type":15,"value":447,"linkedItems":448},[402],[404],{"codename":133,"collection":82,"id":450,"language":82,"lastModified":451,"name":452,"sitemapLocations":453,"type":224,"workflowStep":88,"workflow":82},"1d6f028f-a1cf-41dd-864f-fb380e48259a","2025-04-28T15:12:10.3864093Z","Content Block - One Column - Sort your business insurance with Bionic",[],{"elements":455,"system":477},{"quote_image":456,"quote_text":467,"attribution":474},{"name":457,"type":23,"value":458},"Quote Image",[459],{"name":460,"description":461,"type":28,"size":462,"url":463,"width":464,"height":465,"renditions":466},"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":468,"linkedItemCodenames":469,"linkedItems":470,"links":471,"name":472,"type":188,"value":473},[],[],[],[],"Quote Text","\u003Cp>Tailored cover for holistic practitioners. Protection that understands the unique risks of complementary therapy and working with clients.\u003C\u002Fp>",{"name":475,"type":7,"value":476},"Attribution","James Barwell, Insurance Director",{"codename":134,"collection":82,"id":478,"language":82,"lastModified":479,"name":480,"sitemapLocations":481,"type":482,"workflowStep":88,"workflow":82},"83cf189f-e638-4964-b50c-e56c24c10315","2025-04-28T15:12:55.5520311Z","Content Block - Quote - James Barwell - Complementary Therapists",[],"content_block___quote",{"elements":484,"system":494},{"title":485,"text":486,"cta_button_text":487,"cta_link_url":489,"tagline":490,"theme":491},{"name":147,"type":7,"value":56},{"name":187,"type":7,"value":56},{"name":49,"type":7,"value":488},"Compare business insurance quotes",{"name":52,"type":7,"value":368},{"name":34,"type":7,"value":370},{"name":72,"type":15,"value":492,"linkedItems":493},[373],[375],{"codename":135,"collection":82,"id":495,"language":82,"lastModified":496,"name":497,"sitemapLocations":498,"type":389,"workflowStep":88,"workflow":82},"4bf50248-d450-4469-b947-7837eb61a5a9","2026-01-23T17:20:56.2771311Z","Content Block - CTA - Compare and save on business insurance",[],{"elements":500,"system":536},{"title":501,"tagline":503,"title_left":505,"text_left":508,"title_middle":514,"text_middle":517,"title_right":523,"text_right":526,"cta_button_text":532,"cta_link_url":534},{"name":147,"type":7,"value":502},"How Bionic business insurance comparison works",{"name":34,"type":7,"value":504},"Compare insurance quotes in three simple steps",{"name":506,"type":7,"value":507},"Title Left","Start your quote online ",{"images":509,"linkedItemCodenames":510,"linkedItems":511,"links":512,"name":161,"type":188,"value":513},[],[],[],[],"\u003Cp>Speed up the process by submitting basic business details online – whenever you have time. \u003C\u002Fp>",{"name":515,"type":7,"value":516},"Title Middle","Speak to our UK-based team ",{"images":518,"linkedItemCodenames":519,"linkedItems":520,"links":521,"name":164,"type":188,"value":522},[],[],[],[],"\u003Cp>Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct. \u003C\u002Fp>",{"name":524,"type":7,"value":525},"Title Right","Compare tailored quotes ",{"images":527,"linkedItemCodenames":528,"linkedItems":529,"links":530,"name":167,"type":188,"value":531},[],[],[],[],"\u003Cp>Get your quotes from our panel of trusted insurers and through any questions with our team. \u003C\u002Fp>",{"name":49,"type":7,"value":533},"Compare business insurance",{"name":535,"type":7,"value":368},"CTA Link Url",{"codename":136,"collection":82,"id":537,"language":82,"lastModified":538,"name":539,"sitemapLocations":540,"type":541,"workflowStep":88,"workflow":82},"1c547f83-b753-4506-b9f2-1fc1460004af","2026-01-23T15:55:02.6436832Z","Content Block - How Does It Work - SEOGeneric - How Bionic business Insurance comparison works",[],"content_block___how_does_it_work",{"elements":543,"system":597},{"title_left":544,"text_left":546,"bullet_points":552},{"name":506,"type":7,"value":545},"What do I need to get started?",{"images":547,"linkedItemCodenames":548,"linkedItems":549,"links":550,"name":161,"type":188,"value":551},[],[],[],[],"\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":553,"type":15,"value":554,"linkedItems":559},"Bullet Points",[555,556,557,558],"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",[560,570,579,588],{"elements":561,"system":564},{"text":562},{"name":187,"type":7,"value":563},"Your business name and trade ",{"codename":555,"collection":82,"id":565,"language":82,"lastModified":566,"name":567,"sitemapLocations":568,"type":569,"workflowStep":88,"workflow":82},"f5c87133-0e80-44f6-a888-59adda324773","2024-11-18T15:45:17.9673586Z","Content Block - Bullet Point Item - ins business",[],"content_block___bullet_point_item",{"elements":571,"system":574},{"text":572},{"name":187,"type":7,"value":573},"Your policy start date",{"codename":556,"collection":82,"id":575,"language":82,"lastModified":576,"name":577,"sitemapLocations":578,"type":569,"workflowStep":88,"workflow":82},"45b464f7-13cf-49ff-9d89-7624b4e6561e","2024-11-18T16:45:27.4347361Z","Content Block - Bullet Point Item - Ins Policy Date",[],{"elements":580,"system":583},{"text":581},{"name":187,"type":7,"value":582},"Your name and contact details to receive your quote options",{"codename":557,"collection":82,"id":584,"language":82,"lastModified":585,"name":586,"sitemapLocations":587,"type":569,"workflowStep":88,"workflow":82},"cc8e290d-aa14-49e6-9c47-e4efcd884c5d","2024-11-18T16:44:52.23641Z","Content Block - Bullet Point Item - Ins name and contact details",[],{"elements":589,"system":592},{"text":590},{"name":187,"type":7,"value":591},"You may be asked additional questions about business activities",{"codename":558,"collection":82,"id":593,"language":82,"lastModified":594,"name":595,"sitemapLocations":596,"type":569,"workflowStep":88,"workflow":82},"e68e6dec-964b-4032-8dd3-db7796d9098b","2024-11-18T16:46:11.6253384Z","Content Block - Bullet Point Item - Ins additional Q's",[],{"codename":137,"collection":82,"id":598,"language":82,"lastModified":599,"name":600,"sitemapLocations":601,"type":602,"workflowStep":88,"workflow":82},"e263bf42-58ca-4c8b-8463-d2c02093c67a","2026-03-16T14:49:09.7669112Z","Content Block - Bullet Points - Ins Getting Started",[],"content_block___bullet_points",{"elements":604,"system":611},{"title":605,"cta_button_text":607,"cta_link_url":609},{"name":147,"type":7,"value":606},"Businesses are happy with our customer service",{"name":49,"type":7,"value":608},"Read our customer stories",{"name":52,"type":7,"value":610},"https:\u002F\u002Fuk.trustpilot.com\u002Freview\u002Fbionic.co.uk",{"codename":138,"collection":82,"id":612,"language":82,"lastModified":613,"name":614,"sitemapLocations":615,"type":616,"workflowStep":88,"workflow":82},"0b8fe963-e21c-40d4-a3af-533d6b0a87b3","2026-05-29T11:25:35.7041053Z","Content Block - Trust Pilot: Slider Insurance",[],"content_block___trust_pilot",{"elements":618,"system":661},{"title":619,"tagline":621,"faq_items":622},{"name":147,"type":7,"value":620},"FAQs",{"name":34,"type":7,"value":56},{"name":623,"type":15,"value":624,"linkedItems":627},"FAQ Items",[625,626],"untitled_content_item_cff0482","untitled_content_item_7cacf8c",[628,646],{"elements":629,"system":640},{"question":630,"answer":633},{"name":631,"type":7,"value":632},"Question","Can you get cover for demonstrations and talks?",{"images":634,"linkedItemCodenames":635,"linkedItems":636,"links":637,"name":638,"type":188,"value":639},[],[],[],[],"Answer","\u003Cp>Yes, we can tailor your cover to suit your practice, including any off-site talks, workshops, training or wellness events you may do.  Always tell your insurer if you are working off-site to ensure they arrange the right level of cover. \u003C\u002Fp>\n\u003Cp>Policies vary per provider. Always refer to your policy wording for details about what's included and what isn’t. \u003C\u002Fp>",{"codename":625,"collection":82,"id":641,"language":82,"lastModified":642,"name":643,"sitemapLocations":644,"type":645,"workflowStep":88,"workflow":82},"cff0482f-68fa-483c-969c-274d281f4928","2025-04-25T11:11:02.3896746Z","Content Block - FAQ Item: Can you get cover for demonstrations and talks?",[],"content_block___faq_item",{"elements":647,"system":656},{"question":648,"answer":650},{"name":631,"type":7,"value":649},"Do you need to keep client records as a complementary therapist?",{"images":651,"linkedItemCodenames":652,"linkedItems":653,"links":654,"name":638,"type":188,"value":655},[],[],[],[],"\u003Cp>As best practice, you should keep all your client records to adhere to legal compliance but also insurance requirements.\u003C\u002Fp>",{"codename":626,"collection":82,"id":657,"language":82,"lastModified":658,"name":659,"sitemapLocations":660,"type":645,"workflowStep":88,"workflow":82},"7cacf8c3-3d7c-4929-ad0e-420dcf76040c","2025-04-25T11:11:36.5591968Z","Content Block - FAQ Item: Do you need to keep client records as a complementary therapist?",[],{"codename":139,"collection":82,"id":662,"language":82,"lastModified":663,"name":664,"sitemapLocations":665,"type":666,"workflowStep":88,"workflow":82},"88b937fd-834d-4ab8-9e54-dac340aea196","2025-04-25T11:11:16.5483283Z","Content Block - FAQ - Complementary Therapist",[],"content_block___faq",{"elements":668,"system":1305},{"title":669,"cta_button_text":671,"cta_link_url":673,"guides":675},{"name":147,"type":7,"value":670},"Our team shares essential knowledge on business insurance",{"name":49,"type":7,"value":672},"View all business insurance guides",{"name":535,"type":7,"value":674},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002F",{"name":676,"type":15,"value":677,"linkedItems":682},"Guides",[678,679,680,681],"insurnce_guide___brokers___a_step_by_step_guide_to","insurance_guide___brokers___buying_insurance_for_t","insurance_guide___do_you_need_insurance_for_your_s","insurance_guide___top_6_things_to_consider_when_re",[683,931,1012,1175],{"elements":684,"system":926},{"post__title":685,"post__summary":687,"post__content":690,"post__author":847,"post__reviewer":852,"publish_date":857,"updated_date":862,"url":864,"seo__meta_title":867,"seo__meta_description":870,"seo__add_no_index_tag":873,"seo__canonical_url":880,"related_articles":883,"categories":887,"subfolder":892,"tags":897,"thumbnail_image":901,"show_on_index_page":908,"hide_author":914,"hide_reviewer":918,"hide_tags":922},{"name":147,"type":7,"value":686},"A step-by-step guide to working with a business insurance broker",{"name":688,"type":7,"value":689},"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":691,"linkedItemCodenames":698,"linkedItems":713,"links":844,"name":845,"type":188,"value":846},[692],{"description":693,"imageId":694,"url":695,"height":696,"width":697},"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,[699,700,701,702,703,704,705,706,707,708,709,710,711,712],"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",[714,725,734,745,754,763,772,781,790,799,808,817,826,835],{"elements":715,"system":719},{"sound_cloud_id":716},{"name":717,"type":7,"value":718},"Sound 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policy?",{"name":739,"type":7,"value":795},"what-should-i-check-before-accepting-a-policy",{"codename":707,"collection":82,"id":797,"language":82,"lastModified":721,"name":797,"sitemapLocations":798,"type":744,"workflowStep":724,"workflow":724},"d83d3578-9bdc-0169-86f8-97702d32c3b3",[],{"elements":800,"system":805},{"text":801,"anchor_id":803},{"name":187,"type":7,"value":802},"How much do brokers charge, and how are they paid?",{"name":739,"type":7,"value":804},"how-much-do-brokers-charge-and-how-are-they-paid",{"codename":708,"collection":82,"id":806,"language":82,"lastModified":721,"name":806,"sitemapLocations":807,"type":744,"workflowStep":724,"workflow":724},"fad3a51a-8b2a-018c-f861-ce792e0004ea",[],{"elements":809,"system":814},{"text":810,"anchor_id":812},{"name":187,"type":7,"value":811},"What happens when it’s time to renew?",{"name":739,"type":7,"value":813},"what-happens-when-its-time-to-renew",{"codename":709,"collection":82,"id":815,"language":82,"lastModified":721,"name":815,"sitemapLocations":816,"type":744,"workflowStep":724,"workflow":724},"5c2aba3f-52f7-01ce-d6ee-1af7b06035a7",[],{"elements":818,"system":823},{"text":819,"anchor_id":821},{"name":187,"type":7,"value":820},"Common mistakes when working with a broker",{"name":739,"type":7,"value":822},"common-mistakes-when-working-with-a-broker",{"codename":710,"collection":82,"id":824,"language":82,"lastModified":721,"name":824,"sitemapLocations":825,"type":744,"workflowStep":724,"workflow":724},"de398d25-e68a-01c3-3e4d-8ce889084e8f",[],{"elements":827,"system":832},{"text":828,"anchor_id":830},{"name":187,"type":7,"value":829},"Can I arrange other business services with a broker?",{"name":739,"type":7,"value":831},"can-i-arrange-other-business-services-with-a-broker",{"codename":711,"collection":82,"id":833,"language":82,"lastModified":721,"name":833,"sitemapLocations":834,"type":744,"workflowStep":724,"workflow":724},"a85b6af0-1f75-015d-3086-c63af75f75ab",[],{"elements":836,"system":841},{"text":837,"anchor_id":839},{"name":187,"type":7,"value":838},"Building a long-term relationship with your broker",{"name":739,"type":7,"value":840},"Building-a-long-term-relationship-with-your-broker",{"codename":712,"collection":82,"id":842,"language":82,"lastModified":721,"name":842,"sitemapLocations":843,"type":744,"workflowStep":724,"workflow":724},"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":848,"type":15,"value":849,"linkedItems":851},"Author",[850],"author___laura_court_jones",[],{"name":853,"type":15,"value":854,"linkedItems":856},"Reviewer",[855],"author___ollie_barrett",[],{"name":858,"type":859,"value":860,"displayTimeZone":861},"Publish Date","date_time","2025-12-11T09:03:00Z","Europe\u002FLondon",{"name":863,"type":859,"value":724,"displayTimeZone":861},"Updated Date",{"name":865,"type":11,"value":866},"URL","working-with-a-business-insurance-broker\u002F",{"name":868,"type":7,"value":869},"Meta title","Working with a business insurance broker: A step-by-step guide",{"name":871,"type":7,"value":872},"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":874,"type":875,"value":876},"Add no index tag","multiple_choice",[877],{"name":878,"codename":879},"No","no",{"name":881,"type":7,"value":882},"Canonical URL","https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fworking-with-a-business-insurance-broker\u002F",{"name":884,"type":15,"value":885,"linkedItems":886},"Related Articles",[],[],{"name":888,"type":15,"value":889,"linkedItems":891},"Categories",[890],"category___business_insurance_guide",[],{"name":893,"type":15,"value":894,"linkedItems":896},"Subfolder",[895],"insurance_subfolder___brokers",[],{"name":898,"type":15,"value":899,"linkedItems":900},"Tags",[],[],{"name":902,"type":23,"value":903},"Thumbnail Image",[904],{"name":905,"description":693,"type":291,"size":906,"url":695,"width":697,"height":696,"renditions":907},"Working with a broker (1).jpg",151029,{},{"name":909,"type":875,"value":910},"Show on index page",[911],{"name":912,"codename":913},"Yes","yes",{"name":915,"type":875,"value":916},"Hide Author",[917],{"name":878,"codename":879},{"name":919,"type":875,"value":920},"Hide Reviewer",[921],{"name":878,"codename":879},{"name":923,"type":875,"value":924},"Hide Tags",[925],{"name":912,"codename":913},{"codename":678,"collection":82,"id":927,"language":82,"lastModified":721,"name":928,"sitemapLocations":929,"type":930,"workflowStep":88,"workflow":82},"8068f267-7f83-462c-91e2-bd40727d3eb0","INSURANCE GUIDE - BROKERS - A step-by-step guide to working with a business insurance broker",[],"guide",{"elements":932,"system":1008},{"post__title":933,"post__summary":935,"post__content":937,"post__author":956,"post__reviewer":959,"publish_date":963,"updated_date":965,"url":966,"seo__meta_title":968,"seo__meta_description":970,"seo__add_no_index_tag":972,"seo__canonical_url":975,"related_articles":977,"categories":980,"subfolder":983,"tags":986,"thumbnail_image":990,"show_on_index_page":996,"hide_author":999,"hide_reviewer":1002,"hide_tags":1005},{"name":147,"type":7,"value":934},"First time buying business insurance with a broker? Q&A with Ollie Barrett",{"name":688,"type":7,"value":936},"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":938,"linkedItemCodenames":943,"linkedItems":945,"links":954,"name":845,"type":188,"value":955},[939],{"description":940,"imageId":941,"url":942,"height":696,"width":697},"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",[944],"n7f8b02bb_fecd_0199_f69e_f3c4c6fc88fa",[946],{"elements":947,"system":950},{"sound_cloud_id":948},{"name":717,"type":7,"value":949},"2263550132",{"codename":944,"collection":82,"id":951,"language":82,"lastModified":952,"name":951,"sitemapLocations":953,"type":723,"workflowStep":724,"workflow":724},"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":848,"type":15,"value":957,"linkedItems":958},[855],[],{"name":853,"type":15,"value":960,"linkedItems":962},[961],"untitled_content_item_d332501",[],{"name":858,"type":859,"value":964,"displayTimeZone":861},"2026-01-30T09:00:00Z",{"name":863,"type":859,"value":724,"displayTimeZone":861},{"name":865,"type":11,"value":967},"first-time-buying-business-insurance-qa-ollie-barrett\u002F",{"name":868,"type":7,"value":969},"First time buying business insurance? Q&A with Ollie Barrett",{"name":871,"type":7,"value":971},"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":874,"type":875,"value":973},[974],{"name":878,"codename":879},{"name":881,"type":7,"value":976},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Ffirst-time-buying-business-insurance-qa-ollie-barrett\u002F",{"name":884,"type":15,"value":978,"linkedItems":979},[],[],{"name":888,"type":15,"value":981,"linkedItems":982},[890],[],{"name":893,"type":15,"value":984,"linkedItems":985},[895],[],{"name":898,"type":15,"value":987,"linkedItems":989},[988],"tag___business_insurance",[],{"name":902,"type":23,"value":991},[992],{"name":993,"description":940,"type":291,"size":994,"url":942,"width":697,"height":696,"renditions":995},"First time buying insurance (1).jpg",129390,{},{"name":909,"type":875,"value":997},[998],{"name":912,"codename":913},{"name":915,"type":875,"value":1000},[1001],{"name":878,"codename":879},{"name":919,"type":875,"value":1003},[1004],{"name":878,"codename":879},{"name":923,"type":875,"value":1006},[1007],{"name":912,"codename":913},{"codename":679,"collection":82,"id":1009,"language":82,"lastModified":952,"name":1010,"sitemapLocations":1011,"type":930,"workflowStep":88,"workflow":82},"02c513ee-e2a6-43f3-8569-69b1abb2b6b5","INSURANCE GUIDE - BROKERS - Buying insurance for the first time? Q&A with Ollie Barrett",[],{"elements":1013,"system":1171},{"post__title":1014,"post__summary":1016,"post__content":1018,"post__author":1121,"post__reviewer":1125,"publish_date":1128,"updated_date":1130,"url":1131,"seo__meta_title":1133,"seo__meta_description":1135,"seo__add_no_index_tag":1137,"seo__canonical_url":1140,"related_articles":1142,"categories":1145,"subfolder":1148,"tags":1151,"thumbnail_image":1154,"show_on_index_page":1160,"hide_author":1163,"hide_reviewer":1166,"hide_tags":1168},{"name":147,"type":7,"value":1015},"Do you need insurance for your side hustle?",{"name":688,"type":7,"value":1017},"We all love to make an extra bit of on the side, but what happens your side hustle goes sideways? If you don't have any business insurance in place, you could end up paying out the cash you've earnt in legal fees or otherwise. Find out what you need to protect your side hustle in this guide.",{"images":1019,"linkedItemCodenames":1026,"linkedItems":1036,"links":1119,"name":845,"type":188,"value":1120},[1020],{"description":1021,"imageId":1022,"url":1023,"height":1024,"width":1025},"Male walking six dogs along a road","89ba6bc6-fa4f-4e7d-b27c-7e9b6db4380a","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Fd95ad45b-e820-4dd6-8f21-a30e5f68f8d3\u002Fdog-walker-cmp.jpg",1450,2067,[1027,1028,1029,1030,1031,1032,1033,1034,1035],"n473db9b3_d427_0172_27a1_d2da8ad5c01f","n0cc224d6_0148_0115_df25_5dd6a38cbabd","d9642f18_6603_0154_240b_c317046811f2","f554833d_a31a_0143_43c1_def2792cfb88","n71d66193_6998_0112_8d56_452be30980d8","n063feba0_1a63_0175_66aa_ea4c470d4c95","a0e71ea3_b367_017a_9600_e7c18e2a4c39","n39841bbc_ae34_016d_0a3d_d60a40c45ce8","a25d3c6a_8645_0160_01d9_d630152e07dc",[1037,1047,1056,1065,1074,1083,1092,1101,1110],{"elements":1038,"system":1043},{"text":1039,"anchor_id":1041},{"name":187,"type":7,"value":1040},"What is a side hustle?",{"name":739,"type":7,"value":1042},"what-is-a-side-hustle",{"codename":1027,"collection":82,"id":1044,"language":82,"lastModified":1045,"name":1044,"sitemapLocations":1046,"type":744,"workflowStep":724,"workflow":724},"473db9b3-d427-0172-27a1-d2da8ad5c01f","2025-06-20T14:51:23.7903867Z",[],{"elements":1048,"system":1053},{"text":1049,"anchor_id":1051},{"name":187,"type":7,"value":1050},"Is a side hustle considered a business?",{"name":739,"type":7,"value":1052},"is-a-side-hustle-considered-a-business",{"codename":1028,"collection":82,"id":1054,"language":82,"lastModified":1045,"name":1054,"sitemapLocations":1055,"type":744,"workflowStep":724,"workflow":724},"0cc224d6-0148-0115-df25-5dd6a38cbabd",[],{"elements":1057,"system":1062},{"text":1058,"anchor_id":1060},{"name":187,"type":7,"value":1059},"Why do side hustles need insurance?",{"name":739,"type":7,"value":1061},"why-do-side-hustles-need-insurance",{"codename":1029,"collection":82,"id":1063,"language":82,"lastModified":1045,"name":1063,"sitemapLocations":1064,"type":744,"workflowStep":724,"workflow":724},"d9642f18-6603-0154-240b-c317046811f2",[],{"elements":1066,"system":1071},{"text":1067,"anchor_id":1069},{"name":187,"type":7,"value":1068},"How do you know if you need insurance for a side hustle?",{"name":739,"type":7,"value":1070},"how-do-you-know-if-you-need-insurance-for-a-side-hustle",{"codename":1030,"collection":82,"id":1072,"language":82,"lastModified":1045,"name":1072,"sitemapLocations":1073,"type":744,"workflowStep":724,"workflow":724},"f554833d-a31a-0143-43c1-def2792cfb88",[],{"elements":1075,"system":1080},{"text":1076,"anchor_id":1078},{"name":187,"type":7,"value":1077},"What insurance do you need for a side hustle?",{"name":739,"type":7,"value":1079},"what-insurance-do-you-need-for-a-side-hustle",{"codename":1031,"collection":82,"id":1081,"language":82,"lastModified":1045,"name":1081,"sitemapLocations":1082,"type":744,"workflowStep":724,"workflow":724},"71d66193-6998-0112-8d56-452be30980d8",[],{"elements":1084,"system":1089},{"text":1085,"anchor_id":1087},{"name":187,"type":7,"value":1086},"Do you have to pay tax on side hustle earnings?",{"name":739,"type":7,"value":1088},"do-you-have-to-pay-tax-on-side-hustle-earnings",{"codename":1032,"collection":82,"id":1090,"language":82,"lastModified":1045,"name":1090,"sitemapLocations":1091,"type":744,"workflowStep":724,"workflow":724},"063feba0-1a63-0175-66aa-ea4c470d4c95",[],{"elements":1093,"system":1098},{"text":1094,"anchor_id":1096},{"name":187,"type":7,"value":1095},"Do you need insurance even if your side hustle is small?",{"name":739,"type":7,"value":1097},"do-you-need-insurance-even-if-your-side-hustle-is-small",{"codename":1033,"collection":82,"id":1099,"language":82,"lastModified":1045,"name":1099,"sitemapLocations":1100,"type":744,"workflowStep":724,"workflow":724},"a0e71ea3-b367-017a-9600-e7c18e2a4c39",[],{"elements":1102,"system":1107},{"text":1103,"anchor_id":1105},{"name":187,"type":7,"value":1104},"How much does insurance cost for a side hustle?",{"name":739,"type":7,"value":1106},"how-much-does-insurance-cost-for-a-side-hustle",{"codename":1034,"collection":82,"id":1108,"language":82,"lastModified":1045,"name":1108,"sitemapLocations":1109,"type":744,"workflowStep":724,"workflow":724},"39841bbc-ae34-016d-0a3d-d60a40c45ce8",[],{"elements":1111,"system":1116},{"text":1112,"anchor_id":1114},{"name":187,"type":7,"value":1113},"Does home insurance cover home-based side hustles?",{"name":739,"type":7,"value":1115},"does-home-insurance-cover-home-based-side-hustles",{"codename":1035,"collection":82,"id":1117,"language":82,"lastModified":1045,"name":1117,"sitemapLocations":1118,"type":744,"workflowStep":724,"workflow":724},"a25d3c6a-8645-0160-01d9-d630152e07dc",[],[],"\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.finder.com\u002Fuk\u002Fbusiness-banking\u002Fside-hustle-statistics\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">43%\u003C\u002Fa> of people in the UK in 2024 are making extra income thanks to a side hustle — on average, they’re earning around £900 a month! \u003C\u002Fp>\n\u003Cp>And while making a little extra money is great for your back pocket, what happens if something goes wrong? Unlike most businesses, side hustles don’t legally need cover if it's only you earning, but they can be a lifesaver in times of crisis. \u003C\u002Fp>\n\u003Cp>Find out everything there is to know about insurance for your side hustles with this guide.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"89ba6bc6-fa4f-4e7d-b27c-7e9b6db4380a\" data-image-id=\"89ba6bc6-fa4f-4e7d-b27c-7e9b6db4380a\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Fd95ad45b-e820-4dd6-8f21-a30e5f68f8d3\u002Fdog-walker-cmp.jpg\" data-asset-id=\"89ba6bc6-fa4f-4e7d-b27c-7e9b6db4380a\" data-image-id=\"89ba6bc6-fa4f-4e7d-b27c-7e9b6db4380a\" alt=\"Male walking six dogs along a road\">\u003C\u002Ffigure>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n473db9b3_d427_0172_27a1_d2da8ad5c01f\">\u003C\u002Fobject>\n\u003Ch2>What is a side hustle?\u003C\u002Fh2>\n\u003Cp>A side hustle is essentially a venture outside of your main job that earns extra income. This could be anything from selling homemade goods on Etsy to freelance work or even providing consulting services in your area of expertise.  \u003C\u002Fp>\n\u003Cp>The beauty of a side hustle is its flexibility and potential to grow into something more substantial over time.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n0cc224d6_0148_0115_df25_5dd6a38cbabd\">\u003C\u002Fobject>\n\u003Ch2>Is a side hustle considered a business?\u003C\u002Fh2>\n\u003Cp>The question of whether a side hustle is considered a business is a common one, especially for people who begin on a smaller scale, like in their homes on the weekends or during the evening after their regular day job.  \u003C\u002Fp>\n\u003Cp>But if your side hustle generates regular income from consistent business activities, it’s generally considered a business. For example, if you’re selling handmade jewellery, and you do this regularly to make a profit, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fblog\u002Fhow-to-start-a-small-business\u002F\">you’re running a business\u003C\u002Fa>.  \u003C\u002Fp>\n\u003Cp>In the eyes of \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fincome-tax\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">HMRC\u003C\u002Fa>, the difference between a job and a side hustle is how much you earn. Earnings of less than £1,000 in one tax year \u003Cstrong>are not \u003C\u002Fstrong>considered taxable income. So, you won’t need to register as self-employed or declare any of these earnings to HMRC.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"d9642f18_6603_0154_240b_c317046811f2\">\u003C\u002Fobject>\n\u003Ch2>Why do side hustles need insurance?\u003C\u002Fh2>\n\u003Cp>Taking on a side hustle can be an exciting adventure, offering you the chance and opportunity to explore your passions and boost your income.  \u003C\u002Fp>\n\u003Cp>But with this entrepreneurial spirit comes the need to protect your efforts, and while insurance might not be the first thing on your mind when you’re just starting out, it’s still essential to organise.\u003C\u002Fp>\n\u003Cp>Let’s dive into why securing insurance for a side hustle is a smart idea:\u003C\u002Fp>\n\u003Col>\n  \u003Cli>\u003Cstrong>Protection against liability \u003C\u002Fstrong>- Think of liability insurance as a safety net for your side hustle. Imagine you’re a freelance photographer and, during a shoot, someone trips over your equipment and breaks their arm. Without liability insurance, you could be held personally responsible for legal fees and any potential medical, rehabilitation, or therapy costs.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Asset protection \u003C\u002Fstrong>- Whether you’re a graphic designer relying on expensive software and hardware or a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Ftrade-tradesman\u002F\">tradesman\u003C\u002Fa> with physical tools and materials, your side hustle likely involves costly assets. Insurance helps protect these goods against risks like theft, fire or accidental damage. This means if something unexpected happens, you’re not left scrambling to replace essential items out of pocket.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Professional credibility \u003C\u002Fstrong>-\u003Cstrong> \u003C\u002Fstrong>Having insurance can set you apart as a professional. Clients and customers often feel more secure working with someone who has insurance, as it demonstrates a professional commitment to quality and responsibility. For example, if you’re a freelance consultant, you may want to consider getting \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fprofessional-indemnity-insurance\u002F\">professional indemnity insurance\u003C\u002Fa> as it can reassure clients that they’re covered in case of any advice that leads to financial loss.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Contractual requirements \u003C\u002Fstrong>-\u003Cstrong> \u003C\u002Fstrong>Sometimes, having insurance isn’t just a bright idea — it’s a requirement. Many clients, especially larger companies, may require proof of insurance \u003Cem>before \u003C\u002Fem>they agree to work with you. You’ll see this most of the time in fields like consultancy, construction or even event planning! Having the right insurance in place can potentially open doors to opportunities that might otherwise be out of reach.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Financial stability \u003C\u002Fstrong>- Running a side hustle comes with financial risks, and unexpected incidents can lead to significant expenses coming straight out of your pocket.  Having the proper insurance in place helps you manage these risks without derailing your side hustle. Whether it’s a client lawsuit, damaged equipment or a product issue, insurance helps cover costs and ensures your side hustle remains viable even in tough times. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Home and renters insurance doesn't provide adequate cover - \u003C\u002Fstrong>A common misconception is that home or renters insurance will cover side hustle activities, but most standard policies \u003Cstrong>exclude \u003C\u002Fstrong>business-related activities. This means if you’re running a home-based bakery or a nail \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fsalon\u002F\">salon\u003C\u002Fa> from your dining room, you’re likely not covered for business-related losses or liabilities.\u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"f554833d_a31a_0143_43c1_def2792cfb88\">\u003C\u002Fobject>\n\u003Ch2>How do you know if you need insurance for a side hustle? \u003C\u002Fh2>\n\u003Cp>Determining whether you need insurance for a side hustle can seem tricky at first, but it’s all about understanding the risks involved with your side hustle. It’s important to: \u003C\u002Fp>\n\u003Ch3>Assess your side hustle activities  \u003C\u002Fh3>\n\u003Cp>Take a close look at what your side hustle involves. Are you providing a service, selling products or even hosting an event? Each type of activity comes with its own set of risks.  \u003C\u002Fp>\n\u003Cp>For example, if you’re selling homemade candles, product liability insurance can be invaluable in case someone claims your product caused damage. Or if you’re a dance teacher, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fproduct-liability-insurance\u002F\">public liability insurance\u003C\u002Fa> will cover your back in case someone gets injured during your class and claims against you. \u003C\u002Fp>\n\u003Ch2>Interaction with the public \u003C\u002Fh2>\n\u003Cp>Do you interact with clients or customers face-to-face? If so, public liability could be a good idea. This type of insurance covers claims for injury or property damage that might occur during your business operations.  \u003C\u002Fp>\n\u003Cp>If you’re a personal trainer and a client gets injured during a session, this insurance would cover any of the associated costs, protecting you from hefty out-of-pocket expenses.  \u003C\u002Fp>\n\u003Ch3>Use of equipment and tools \u003C\u002Fh3>\n\u003Cp>Consider which tools and equipment are essential to your side hustle. Whether it’s a laptop for your freelance writing gig or power tools for a carpentry business, these items are crucial for your operations.  \u003C\u002Fp>\n\u003Cp>Insurance can cover repairs or replacements if your equipment is stolen or damaged, ensuring you can keep your business running smoothly without unexpected financial strain.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n71d66193_6998_0112_8d56_452be30980d8\">\u003C\u002Fobject>\n\u003Ch2>What insurance do you need for a side hustle? \u003C\u002Fh2>\n\u003Cp>It’s important to think about the type of insurance your side hustle needs, but at a basic level, there are three coverage options that can help keep your business safe. \u003C\u002Fp>\n\u003Ch3>Professional indemnity insurance \u003C\u002Fh3>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fprofessional-indemnity-insurance\u002F\">Professional indemnity insurance\u003C\u002Fa> is essential if your side hustle involves providing advice or professional services. This insurance option covers you against claims of negligence, mistakes or omissions that could lead to a client suffering financial loss.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Who needs professional indemnity insurance? \u003C\u002Fstrong> \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Freelance consultants offering business or financial advice \u003C\u002Fli>\n  \u003Cli>Graphic designers and web developers creating custom projects for clients \u003C\u002Fli>\n  \u003Cli>Writers, editors and content creators providing specialised content  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>\u003Cstrong>Why is it important? \u003C\u002Fstrong> \u003C\u002Fp>\n\u003Cp>Imagine you’re a freelance consultant, and a client claims your advice led to a financial setback within their business. Professional indemnity insurance covers legal costs and compensation, protecting you from potentially crippling expenses that your side hustle simply can’t afford.\u003C\u002Fp>\n\u003Ch3>Public liability insurance \u003C\u002Fh3>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fpublic-liability-insurance\u002F\">Public liability insurance\u003C\u002Fa> is crucial if your side hustle involves interacting with the public, clients or customers \u003Cstrong>in person\u003C\u002Fstrong>. It aims to protect you from claims related to injury or property damage caused by your business activities.  \u003C\u002Fp>\n\u003Cp>\u003Cstrong>Who needs public liability insurance?\u003C\u002Fstrong> \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Personal trainers and fitness instructors working with clients \u003C\u002Fli>\n  \u003Cli>Photographers and videographers shooting on location \u003C\u002Fli>\n  \u003Cli>Event planners coordinating various functions  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>\u003Cstrong>Why is it important? \u003C\u002Fstrong> \u003C\u002Fp>\n\u003Cp>Imagine you’re an event planner organising a corporate event. During the event, a guest accidentally trips over a cable you set up, falls and gets injured. Public liability would cover the medical costs and any legal claims, protecting you from the financial impact of the incident and helping maintain your professional reputation. \u003C\u002Fp>\n\u003Ch3>Product liability insurance \u003C\u002Fh3>\n\u003Cp>If your side hustle involves selling products, then \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fproduct-liability-insurance\u002F\">product liability insurance\u003C\u002Fa> is vital. This insurance protects your side hustle against claims that your product has caused injury, illness or damage to property.  \u003C\u002Fp>\n\u003Cp>\u003Cstrong>Who needs it?\u003C\u002Fstrong> \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Homemade beauty product sellers on platforms like Etsy \u003C\u002Fli>\n  \u003Cli>Bakers and caterers providing food items \u003C\u002Fli>\n  \u003Cli>Craftspeople creating and selling homemade goods  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>\u003Cstrong>Why is it important? \u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cp>Imagine you sell artisanal soaps online, and a customer claims that your product caused a skin reaction. Product liability insurance would cover the costs of legal defence and compensation, allowing you to continue your business, without worry.\u003C\u002Fp>\n\u003Ch3>Cyber insurance \u003C\u002Fh3>\n\u003Cp>Cyber insurance is essential for your side hustle if you store sensitive customer data or online operations. This type of insurance helps protect your business from the financial fallout of cyberattacks, data breaches and other digital threats.   \u003C\u002Fp>\n\u003Cp>\u003Cstrong>Who needs it? \u003C\u002Fstrong> \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Freelance digital marketers and writers managing client data \u003C\u002Fli>\n  \u003Cli>E-commerce store owners selling products online \u003C\u002Fli>\n  \u003Cli>Social media managers with access to client accounts \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>\u003Cstrong>Why is it important?\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cp>Imagine you run an online store, and a hacker gains access to your customer database, stealing personal and payment information. Cyber insurance would cover the costs of notifying any affected customers, managing the fallout and restoring your security systems. It can also help with any legal fees or potential fines your business could face.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n063feba0_1a63_0175_66aa_ea4c470d4c95\">\u003C\u002Fobject>\n\u003Ch2>Do you have to pay tax on side hustle earnings? \u003C\u002Fh2>\n\u003Cp>In the UK, you must pay tax on any income above £1,000 earned from self-employment or a side hustle. This is known as the Trading Allowance, and it’s a helpful buffer for those just starting out. If your earnings stay below this threshold, you don’t need to report them to HMRC. \u003C\u002Fp>\n\u003Cp>However, once you exceed £1,000 in a tax year, you must declare your earnings and register as self-employed with HMRC. This process is relatively simple and can be easily done online. Once registered, you can submit a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-essentials\u002Fguides\u002Fsmall-business-tax-returns\u002F\">self-assessment tax return\u003C\u002Fa> each year detailing your income and expenses.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"a0e71ea3_b367_017a_9600_e7c18e2a4c39\">\u003C\u002Fobject>\n\u003Ch2>Do you need insurance even if your side hustle is small?  \u003C\u002Fh2>\n\u003Cp>Absolutely — even small side hustles face risks! In the grand scheme of things, the cost of insurance is often minimal compared to the protection and peace of mind it offers.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n39841bbc_ae34_016d_0a3d_d60a40c45ce8\">\u003C\u002Fobject>\n\u003Ch2>How much does insurance cost for a side hustle?  \u003C\u002Fh2>\n\u003Cp>It’s hard to pinpoint an exact cost for side hustle insurance as there’s a wide range of factors that go into tailoring a policy, such as: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>The type of cover you need \u003C\u002Fli>\n  \u003Cli>The size of your side hustle  \u003C\u002Fli>\n  \u003Cli>Your location \u003C\u002Fli>\n  \u003Cli>The industry you’re operating in \u003C\u002Fli>\n  \u003Cli>Your claims history\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>It’s best to \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fabout-bionic\u002Fcontact-us\u002F\">get in touch\u003C\u002Fa> with one of our knowledgeable insurance team, and they can help you set up the right \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\">business insurance\u003C\u002Fa> to keep your side hustle running.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"a25d3c6a_8645_0160_01d9_d630152e07dc\">\u003C\u002Fobject>\n\u003Ch2>Does home insurance cover home-based side hustles? \u003C\u002Fh2>\n\u003Cp>Unfortunately, most home insurance policies \u003Cstrong>won’t cover \u003C\u002Fstrong>the extent of any side business\u003Cstrong> \u003C\u002Fstrong>— this even goes if you’re \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fdo-you-need-business-insurance-working-from-home\u002F\">working from home\u003C\u002Fa>, too!  \u003C\u002Fp>\n\u003Cp>It’s best to check the wording of your policy to see exactly what it entails.  \u003C\u002Fp>\n\u003Ch2>Get your side hustle on its feet with Bionic \u003C\u002Fh2>\n\u003Cp>From safeguarding against the unknown to protecting your assets, there’s a wide range of insurance options to arrange when it comes to your side hustle. \u003C\u002Fp>\n\u003Cp>At Bionic, we celebrate and champion UK business owners and want to help in every way we can. That’s why we use a team of knowledgeable insurance brokers who work with a panel of trusted insurers to find you the right cover. \u003C\u002Fp>\n\u003Cp>Start a quote with us today or head over to our \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002F\">business insurance guides\u003C\u002Fa> to find everything there is to know about sorting insurance for your business.\u003C\u002Fp>",{"name":848,"type":15,"value":1122,"linkedItems":1124},[1123],"author___james_barwell",[],{"name":853,"type":15,"value":1126,"linkedItems":1127},[],[],{"name":858,"type":859,"value":1129,"displayTimeZone":861},"2024-06-04T14:20:00Z",{"name":863,"type":859,"value":724,"displayTimeZone":724},{"name":865,"type":11,"value":1132},"do-you-need-insurance-for-your-side-hustle\u002F",{"name":868,"type":7,"value":1134},"Do You Need Insurance For Your Side Hustle? | Bionic ",{"name":871,"type":7,"value":1136},"A side hustle is any venture outside of your main job to earn extra income. But do you need insurance? Find out more with this Bionic guide. ",{"name":874,"type":875,"value":1138},[1139],{"name":878,"codename":879},{"name":881,"type":7,"value":1141},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fdo-you-need-insurance-for-your-side-hustle\u002F",{"name":884,"type":15,"value":1143,"linkedItems":1144},[],[],{"name":888,"type":15,"value":1146,"linkedItems":1147},[890],[],{"name":893,"type":15,"value":1149,"linkedItems":1150},[],[],{"name":898,"type":15,"value":1152,"linkedItems":1153},[],[],{"name":902,"type":23,"value":1155},[1156],{"name":1157,"description":1021,"type":291,"size":1158,"url":1023,"width":1025,"height":1024,"renditions":1159},"dog-walker-cmp.jpg",259181,{},{"name":909,"type":875,"value":1161},[1162],{"name":912,"codename":913},{"name":915,"type":875,"value":1164},[1165],{"name":878,"codename":879},{"name":919,"type":875,"value":1167},[],{"name":923,"type":875,"value":1169},[1170],{"name":912,"codename":913},{"codename":680,"collection":82,"id":1172,"language":82,"lastModified":1045,"name":1173,"sitemapLocations":1174,"type":930,"workflowStep":88,"workflow":82},"49797b2f-c6d6-41ae-855b-c240ba9821e6","INSURANCE GUIDE - Do You Need Insurance For Your Side Hustle?",[],{"elements":1176,"system":1301},{"post__title":1177,"post__summary":1179,"post__content":1181,"post__author":1252,"post__reviewer":1255,"publish_date":1258,"updated_date":1260,"url":1261,"seo__meta_title":1263,"seo__meta_description":1264,"seo__add_no_index_tag":1266,"seo__canonical_url":1269,"related_articles":1271,"categories":1274,"subfolder":1277,"tags":1280,"thumbnail_image":1283,"show_on_index_page":1289,"hide_author":1292,"hide_reviewer":1295,"hide_tags":1298},{"name":147,"type":7,"value":1178},"How to renew your business insurance and save in 2025\u002F26",{"name":688,"type":7,"value":1180},"Every year your business insurance is going to be due for renewal. But do you stay or switch insurer? How do you know if you need to make changes to cover? We've got it all covered in this guide.",{"images":1182,"linkedItemCodenames":1187,"linkedItems":1194,"links":1250,"name":845,"type":188,"value":1251},[1183],{"description":1184,"imageId":1185,"url":1186,"height":696,"width":697},"Bionic insurance branded graphic stating 'renewing your business insurance' with female small business owner with blonde hair smiling at the camera holding a  tray of baked good. To her left you see a cartoon style graphic of an oven with bakes inside.","b3c80828-cc78-478b-8276-faaa898e2a1e","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F49584683-2d07-40ba-bf3c-4998463e6960\u002Frenewing%20business%20insurance%20%281%29.jpg",[1188,1189,1190,1191,1192,1193],"n5e2029fc_722f_0159_53fc_448b3bcc811b","n5d10ba37_d2cb_0135_7d0d_4b04c5aee9d5","n93b6a458_632d_01bc_0e90_e191c4b26445","a9bd304d_9b50_01ef_4517_4e399a4460d1","n0deb8b8c_2cbe_0123_f730_352ef61039db","n9a092f90_b070_0121_22df_b8bd34c7211f",[1195,1205,1214,1223,1232,1241],{"elements":1196,"system":1201},{"text":1197,"anchor_id":1199},{"name":187,"type":7,"value":1198},"Can I reduce my business insurance renewal premium without sacrificing my level of cover?",{"name":739,"type":7,"value":1200},"can-i-reduce-my-business-insurance-renewal-premium-without-sacrificing-my-level-of-cover",{"codename":1188,"collection":82,"id":1202,"language":82,"lastModified":1203,"name":1202,"sitemapLocations":1204,"type":744,"workflowStep":724,"workflow":724},"5e2029fc-722f-0159-53fc-448b3bcc811b","2025-11-07T17:22:01.4117737Z",[],{"elements":1206,"system":1211},{"text":1207,"anchor_id":1209},{"name":187,"type":7,"value":1208},"Should I renew with my current insurer or switch to a new provider?",{"name":739,"type":7,"value":1210},"should-i-renew-with-my-current-insurer-or-switch-to-a-new-provider",{"codename":1189,"collection":82,"id":1212,"language":82,"lastModified":1203,"name":1212,"sitemapLocations":1213,"type":744,"workflowStep":724,"workflow":724},"5d10ba37-d2cb-0135-7d0d-4b04c5aee9d5",[],{"elements":1215,"system":1220},{"text":1216,"anchor_id":1218},{"name":187,"type":7,"value":1217},"How do I switch insurance providers without gaps in cover?",{"name":739,"type":7,"value":1219},"how-do-i-switch-insurance-providers-without-gaps-in-cover",{"codename":1190,"collection":82,"id":1221,"language":82,"lastModified":1203,"name":1221,"sitemapLocations":1222,"type":744,"workflowStep":724,"workflow":724},"93b6a458-632d-01bc-0e90-e191c4b26445",[],{"elements":1224,"system":1229},{"text":1225,"anchor_id":1227},{"name":187,"type":7,"value":1226},"Why has my business insurance premium increased at renewal?",{"name":739,"type":7,"value":1228},"why-has-my-business-insurance-premium-increased-at-renewal",{"codename":1191,"collection":82,"id":1230,"language":82,"lastModified":1203,"name":1230,"sitemapLocations":1231,"type":744,"workflowStep":724,"workflow":724},"a9bd304d-9b50-01ef-4517-4e399a4460d1",[],{"elements":1233,"system":1238},{"text":1234,"anchor_id":1236},{"name":187,"type":7,"value":1235},"Making your renewal decision",{"name":739,"type":7,"value":1237},"making-your-renewal-decision",{"codename":1192,"collection":82,"id":1239,"language":82,"lastModified":1203,"name":1239,"sitemapLocations":1240,"type":744,"workflowStep":724,"workflow":724},"0deb8b8c-2cbe-0123-f730-352ef61039db",[],{"elements":1242,"system":1247},{"text":1243,"anchor_id":1245},{"name":187,"type":7,"value":1244},"What if I don’t want to renew with my current insurer?",{"name":739,"type":7,"value":1246},"what-if-i-dont-want-to-renew-with-my-current-insurer",{"codename":1193,"collection":82,"id":1248,"language":82,"lastModified":1203,"name":1248,"sitemapLocations":1249,"type":744,"workflowStep":724,"workflow":724},"9a092f90-b070-0121-22df-b8bd34c7211f",[],[],"\u003Cp>If your business insurance renewal date is creeping closer, and you're like most UK business owners, you're probably wondering if the price is going to be hiked up.   \u003C\u002Fp>\n\u003Cp>Or perhaps you're simply trying to get ahead by comparing prices in case there's a big price rise in your renewal offer. \u003C\u002Fp>\n\u003Cp>Either way, you're in the right place.  \u003C\u002Fp>\n\u003Cp>This guide walks you through everything you need to know about renewing your business insurance, from cutting costs without sacrificing protection to deciding whether to stick with your current insurer or switch to someone new. \u003C\u002Fp>\n\u003Cfigure data-asset-id=\"b3c80828-cc78-478b-8276-faaa898e2a1e\" data-image-id=\"b3c80828-cc78-478b-8276-faaa898e2a1e\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F49584683-2d07-40ba-bf3c-4998463e6960\u002Frenewing%20business%20insurance%20%281%29.jpg\" data-asset-id=\"b3c80828-cc78-478b-8276-faaa898e2a1e\" data-image-id=\"b3c80828-cc78-478b-8276-faaa898e2a1e\" alt=\"Bionic insurance branded graphic stating 'renewing your business insurance' with female small business owner with blonde hair smiling at the camera holding a  tray of baked good. To her left you see a cartoon style graphic of an oven with bakes inside.\">\u003C\u002Ffigure>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n5e2029fc_722f_0159_53fc_448b3bcc811b\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Can I reduce my business insurance renewal premium without sacrificing my level of cover?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>This is not a straight forward answer, but it’s possible if you consider the following steps: \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Start the renewal process early\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Begin reviewing your current insurance covers at least 90 days before your renewal date. This gives you proper time to consider whether you have all the cover you need and compare quotes to make an informed decision rather than a rushed one. \u003C\u002Fp>\n\u003Cp>According to research from Consumer Intelligence, \u003Ca href=\"https:\u002F\u002Fwww.consumerintelligence.com\u002Farticles\u002Fmost-small-business-owners-shop-around-for-insurance-but-rarely-switch\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">81% of SMEs shop around for commercial insurance\u003C\u002Fa>, but many leave it too late to get the best deals. Starting early removes the pressure and puts you in control. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Show you’re actively reducing risk in your small business\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you want to get quality insurance at the right price, then it’s a good idea to show your broker and insurer that you are taking steps to reduce the risks in your business. You could do this by: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Installing security systems like alarms and CCTV \u003C\u002Fli>\n  \u003Cli>Ensure you have proper \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fhealth-and-safety-at-work\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">health and safety\u003C\u002Fa> regulations \u003C\u002Fli>\n  \u003Cli>Maintaining equipment regularly \u003C\u002Fli>\n  \u003Cli>Training staff on safety protocols \u003C\u002Fli>\n  \u003Cli>Keeping detailed records of your risk management activities \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Document everything. When your insurer or broker can see you're actively reducing risk, they're more likely to offer competitive rates. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Compare quotes from multiple providers\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>When the time comes to renew, shopping around is key. Different brokers and insurers operate in different sectors with different risk profiles, which means premiums can vary for the same coverage. \u003C\u002Fp>\n\u003Cp>Cheap insurance doesn’t always pay. Consider if you have the right types of cover and the right level of cover, not just a cheap price. Look at: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>The types of cover on offer \u003C\u002Fstrong>– Do you need public liability and stock? Or a combination of covers? \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Coverage limits and excesses \u003C\u002Fstrong>– How much is covered? What will you pay if you need to claim? \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Policy exclusions \u003C\u002Fstrong>– What's NOT included \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Service reputation\u003C\u002Fstrong> – Check reviews for your broker and insurer to see what other small business owners are saying about them \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Consider a package insurance instead of standalone policies\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you need multiple types of cover like \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fpublic-liability-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">public liability\u003C\u002Fa>, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Femployers-liability-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">employers’ liability\u003C\u002Fa> and \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fstock-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">stock insurance\u003C\u002Fa>, bundling them with one provider often make sense. It can potentially save you time and cut overall costs. \u003C\u002Fp>\n\u003Cp>For example, if you run a shop, then consider a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fshop\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">shop insurance\u003C\u002Fa> policy which can be tailored to whatever you need – from public liability to product liability and even cyber cover.  \u003C\u002Fp>\n\u003Cp>At Bionic, we offer a range insurance covers designed for different types of businesses, from shops to salons or sole traders, we can talk you through the cover available for your business needs. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Remove unnecessary cover\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>As your business changes, review what you actually need. Stopped doing certain activities? Reduced stock levels? Always check these are up to date on your policy. \u003C\u002Fp>\n\u003Cp>And if you no longer need a specific cover, then if you can, remove it. There's no point paying for protection you don't need. \u003C\u002Fp>\n\u003Cp>It’s worth noting that some packaged policies, like shops, include some cover that comes as standard and cannot be removed, like money cover.  \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n5d10ba37_d2cb_0135_7d0d_4b04c5aee9d5\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Should I renew with my current insurer or switch to a new provider?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Sometimes it makes sense to switch insurer by going through a broker, but there are pros and cons for both. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Benefits of staying vs switching\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Staying with your current insurer often means easy, automatic renewals. Many brokers will notify you when you’re coming up for renewal and automatically take care of this for you. This means minimal admin for you and no chance of being caught out without cover. \u003C\u002Fp>\n\u003Cp>Although this takes a bit more thought, switching can often give you different premiums that may be lower. Some brokers have access to many different insurers, meaning they can find the right cover for your business type.  \u003C\u002Fp>\n\u003Cp>Because your broker asks questions about your business, they can offer suitable covers for your specific needs, to help you decide. \u003C\u002Fp>\n\u003Cp>Speaking to a broker gives you an up-to-date overview of the types of cover available now, this is especially important if your business has changed in any way over the year.  \u003C\u002Fp>\n\u003Cp>For example, you’ve hired a few more people – a new quote can include employer’s liability cover for those extra employees, keeping your cover up to date cover. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>When to use a broker instead of going direct\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Brokers normally have access to a range of insurers, who negotiate on your behalf to find you the right deal. They're particularly valuable when: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Your small business has complex risks –\u003C\u002Fstrong> For example, you are a plant shop that has a cafe \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>You need specialist coverage\u003C\u002Fstrong> \u003Cstrong> – \u003C\u002Fstrong>For example, you offer aesthetic treatments in your salon with specific risks outside of normal public liability  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>You don’t know what cover is an option for you \u003C\u002Fstrong>\u003Cem>\u003Cstrong>–\u003C\u002Fstrong>\u003C\u002Fem>\u003Cstrong> \u003C\u002Fstrong>A broker can talk you through your options so you can decide. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>You're time-poor\u003C\u002Fstrong> – If you don’t have time to speak to multiple insurers and want someone to take care of it for you \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n93b6a458_632d_01bc_0e90_e191c4b26445\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How do I switch insurance providers without gaps in cover?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Any gaps in cover would mean your business is \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fa-small-business-guide-to-underinsurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">uninsured\u003C\u002Fa> for a period of time. \u003C\u002Fp>\n\u003Cp>This means you may not be covered if an unforeseen event happens during that period. To avoid this, consider the following: \u003C\u002Fp>\n\u003Col>\n  \u003Cli>Purchase your new insurance before cancelling the old policy. With Bionic you can arrange your next policy up to 30 days in advance. \u003C\u002Fli>\n  \u003Cli>Align start dates so there's no gap in coverage \u003C\u002Fli>\n  \u003Cli>Cancel your old policy with the relevant broker\u002Finsurer \u003C\u002Fli>\n  \u003Cli>Keep any documents from both policies safe \u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cp>Never let your current policy lapse before the new one starts. Even one day without employers' liability insurance can result in a £2,500 fine. These fines are daily and can quickly add up. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"a9bd304d_9b50_01ef_4517_4e399a4460d1\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Why has my business insurance premium increased at renewal?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>It isn’t unusual for business insurance premiums to increase when you come to renew, even if you haven’t had any claims. \u003C\u002Fp>\n\u003Cp>Another rising cost can be frustrating, but sometimes this is just an increase in inflation or due to market conditions. \u003C\u002Fp>\n\u003Cp>Understanding why prices rise can help you make sense of whether you are being ripped off whether the yearly increases are fair. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>If you've had any claims, this could increase your premium\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Since you can’t escape risks completely, when an accident happens and a claim is made, this can impact how risky your insurer sees your business. \u003C\u002Fp>\n\u003Cp>Even one claim could affect your renewal premium, and the more you make (or are made against you) the more your next policy might cost.  \u003C\u002Fp>\n\u003Cp>It’s important to remember that not all claims will hold the same weight. \u003C\u002Fp>\n\u003Cp>For example, if you are a painter with a workshop and you put in a large theft claim, this may affect you more than a small claim for accidental damage to a customer’s coat. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>Inflation can drive up costs\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>When inflation drives up costs, insurers are likely to pay more to settle claims. \u003C\u002Fp>\n\u003Cp>For example,  if labour, materials, and repair costs all increase, then the costs for repairing building damages goes up. This means it ends up costing insurers more.  \u003C\u002Fp>\n\u003Cp>Cos Kamasho, insurance data manager at \u003Ca href=\"https:\u002F\u002Fwww.bcis.co.uk\u002Fnews\u002Fbuilding-insurance-complaints-highlight-need-for-reliable-data\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">BCIS,  says an there was an average increase of 3.8% in reinstatement costs in the year to January 2025\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cp>Reinstatement costs refer to how much the total costs are for insurers to pay to repair the damages. \u003C\u002Fp>\n\u003Cp>If insurers have to pay out more for costs, then it’s likely they are going to pass these costs onto customers, through premium rises. This means you might have to pay more at renewal.  \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Business growth and changes\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Has your turnover increased? Hired more staff? Expanded to new premises? Added other services like delivery? \u003C\u002Fp>\n\u003Cp>All these positive changes could raise your risk profile from an insurer's perspective. \u003C\u002Fp>\n\u003Cp>More revenue means bigger potential business interruption claims. More employees mean you could be at more risk of employees claiming against you too. \u003C\u002Fp>\n\u003Cp>Like with any other area, growing your business normally comes with high costs, and this is no different when it comes to premium increases. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Market conditions\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Market conditions can influence the cost of insurance premiums (another way of saying  the cost of your policy) – \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\">see our insurance jargon buster for more info\u003C\u002Fa>). \u003C\u002Fp>\n\u003Cp>The Ivans Index shows the cost of \u003Ca href=\"https:\u002F\u002Fwww.ivans.com\u002Fnews\u002Fpress-releases\u002F2025\u002Fivans-index-q1-2025-results-released\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">business owners premiums are up year on year, with commercial property going up 10.52%\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cp>When you're in a \"hard market\", premiums rise across the board regardless of individual circumstances. \u003C\u002Fp>\n\u003Cp>On the other hand, when you’re in a “soft market” you tend to see premiums decreasing and lots of insurers competing for business.  \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Insurer appetite changes\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>When we talk about ‘appetite’ we mean the specific type of risk an insurance company is willing to take on. Not all insurers will offer everything, in fact, they can be very selective. \u003C\u002Fp>\n\u003Cp>Sometimes insurers may exit certain markets or risk categories entirely.  \u003C\u002Fp>\n\u003Cp>If your insurer decides your business type no longer fits into what they offer, they might not offer you a competitive renewal quote. \u003C\u002Fp>\n\u003Cp>In this case, it might be worth speaking to a broker to see if there are any insurers who are better suited to your industry and may offer you a better deal. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n0deb8b8c_2cbe_0123_f730_352ef61039db\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Making your renewal decision\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Now you understand a bit more about business insurance renewals, you can make an informed decision on yours. \u003C\u002Fp>\n\u003Cp>Remember these key points: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Give yourself time - don’t leave your renewal to the last minute to explore options \u003C\u002Fli>\n  \u003Cli>Consider multiple quotes for comparison and think about using a broker \u003C\u002Fli>\n  \u003Cli>Think carefully about sacrificing the right coverage for lower premiums \u003C\u002Fli>\n  \u003Cli>It’s a good idea to get new cover in place before cancelling old policies to avoid gaps in cover \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n9a092f90_b070_0121_22df_b8bd34c7211f\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What if I don’t want to renew with my current insurer?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Your insurer or broker should make it easy for you to cancel your renewal - just contact them to confirm you want to cancel. This process varies for different providers, so ensure you get written confirmation that your renewal has been cancelled – this may be by email. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>Compare business insurance quotes with Bionic\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>While it’s normal for your renewal to cost you a bit more, if it’s been hiked then you may want to consider looking elsewhere for better value. \u003C\u002Fp>\n\u003Cp>If you're feeling overwhelmed on where to start, consider working with a broker.  \u003C\u002Fp>\n\u003Cp>At Bionic, we help \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> and find cover that fits their needs and budgets. We work with multiple providers to give you choice and competitive quotes. \u003C\u002Fp>\n\u003Cp>Don't leave it until the last minute. Start your renewal process today by starting a quote online.\u003C\u002Fp>",{"name":848,"type":15,"value":1253,"linkedItems":1254},[850],[],{"name":853,"type":15,"value":1256,"linkedItems":1257},[961],[],{"name":858,"type":859,"value":1259,"displayTimeZone":861},"2025-11-07T17:00:00Z",{"name":863,"type":859,"value":724,"displayTimeZone":724},{"name":865,"type":11,"value":1262},"top-things-to-consider-when-renewing-business-insurance\u002F",{"name":868,"type":7,"value":1178},{"name":871,"type":7,"value":1265},"Business insurance up for renewal? Learn how to renew your insurance now. Compare quotes and avoid gaps in protection with our complete UK renewal guide.",{"name":874,"type":875,"value":1267},[1268],{"name":878,"codename":879},{"name":881,"type":7,"value":1270},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Ftop-things-to-consider-when-renewing-business-insurance\u002F",{"name":884,"type":15,"value":1272,"linkedItems":1273},[],[],{"name":888,"type":15,"value":1275,"linkedItems":1276},[890],[],{"name":893,"type":15,"value":1278,"linkedItems":1279},[],[],{"name":898,"type":15,"value":1281,"linkedItems":1282},[],[],{"name":902,"type":23,"value":1284},[1285],{"name":1286,"description":1184,"type":291,"size":1287,"url":1186,"width":697,"height":696,"renditions":1288},"renewing business insurance (1).jpg",162218,{},{"name":909,"type":875,"value":1290},[1291],{"name":912,"codename":913},{"name":915,"type":875,"value":1293},[1294],{"name":878,"codename":879},{"name":919,"type":875,"value":1296},[1297],{"name":878,"codename":879},{"name":923,"type":875,"value":1299},[1300],{"name":912,"codename":913},{"codename":681,"collection":82,"id":1302,"language":82,"lastModified":1203,"name":1303,"sitemapLocations":1304,"type":930,"workflowStep":88,"workflow":82},"56718102-b28c-4e74-ae56-55bb6956f1b8","INSURANCE GUIDE - How to renew your business insurance and save in 2025\u002F26",[],{"codename":140,"collection":82,"id":1306,"language":82,"lastModified":1307,"name":1308,"sitemapLocations":1309,"type":1310,"workflowStep":88,"workflow":82},"231f950d-965d-431d-967d-19813a0840b7","2026-03-10T17:01:44.5756268Z","Content Block - Guides - Acupuncture",[],"content_block___guides",{"elements":1312,"system":1336},{"title_left":1313,"text_left":1315,"cta_button_text":1321,"cta_link_url":1323,"image_right":1325},{"name":506,"type":7,"value":1314},"Not your usual boring business content!",{"images":1316,"linkedItemCodenames":1317,"linkedItems":1318,"links":1319,"name":161,"type":188,"value":1320},[],[],[],[],"\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":1322},"Yes, sign me up",{"name":52,"type":7,"value":1324},"https:\u002F\u002Fbackbone.bionic.co.uk\u002Fsign-up",{"name":1326,"type":23,"value":1327},"Image Right",[1328],{"name":1329,"description":1330,"type":28,"size":1331,"url":1332,"width":1333,"height":1334,"renditions":1335},"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":82,"id":1337,"language":82,"lastModified":1338,"name":1339,"sitemapLocations":1340,"type":1341,"workflowStep":88,"workflow":82},"31d6b6b9-30ef-4f5a-bde5-ec18f1823f86","2024-11-19T13:47:59.5857742Z","Content Block - Image with CTA - Ins Backbone",[],"content_block___image_with_cta",{"elements":1343,"system":1344},{},{"codename":142,"collection":82,"id":1345,"language":82,"lastModified":1346,"name":1347,"sitemapLocations":1348,"type":142,"workflowStep":88,"workflow":82},"27c81dfe-7041-4ad0-913b-6f7b41ef4a2b","2024-11-12T12:29:58.1483257Z","Content Block - Social",[],{"name":1350,"type":7,"value":1351},"Meta Title","Complementary Therapy Insurance From 23p a day* | 86% of customers love our service",{"name":1353,"type":7,"value":1354},"Meta Description","We can tailor cover for over 6,000 business types, including complementary therapists. Switch today and your increase at renewal could be less than a pint with Bionic.",{"name":1356,"type":7,"value":1357},"Meta Canonical","https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fcomplementary-therapists\u002F",{"name":1359,"type":875,"value":1360},"Meta Robots",[1361],{"name":1362,"codename":1362},"index",{"name":1364,"type":875,"value":1365},"Meta Aggregate Schema",[],{"codename":1367,"collection":82,"id":1368,"language":82,"lastModified":1369,"name":1370,"sitemapLocations":1371,"type":1372,"workflowStep":88,"workflow":82},"complementary_therapists","214d1d55-9342-4f6b-b716-96f3c5e62a37","2026-03-31T15:21:58.4232273Z","Complementary Therapists",[],"seo_product_page",1784910367404]