Energy

What can we help you with?

Business Energy
Business Electricity
Business Gas

Learn more about Energy

More Energy Guides
group of people sat at a long table in a coffee shop with coffees and paper with a lightbulb highlighted at the front

Why are energy prices so high? Are they still going up?

Read now
A business owner uses looks at their energy meter and uses a calculator to work out how much of an Energy Price Relief Scheme discount they will get

Is there an energy price cap for business?

Read now
Oil ship sailing in blue water

Is the Iran-Israel conflict affecting energy prices?

Read now
Insurance

Insurance Type

Business InsurancePublic Liability InsuranceEmployers Liability InsuranceProduct Liability InsuranceBusiness Equipment InsuranceBusiness Interruption InsuranceProfessional Indemnity InsuranceStock & Contents InsuranceCyber InsuranceLegal Expenses Insurance

Business Type

BarbersManufacturingSalonsShopsTakeawaysWholesale

A-Z

Baker InsuranceBeauty Therapist InsuranceBed & Breakfast InsuranceBike Shop InsuranceBookshop InsuranceBridal Shop InsuranceBuilders InsuranceButchers InsuranceCafe & Coffee Shop InsuranceCharity InsuranceCleaners InsuranceCommercial Landlord InsuranceCommercial Property InsuranceContractor InsuranceDance Studio InsuranceEstate Agent InsuranceFish and Chip Shop InsuranceFlorist InsuranceFood Business InsuranceGift Shop InsuranceGym InsuranceHotel InsuranceKebab Shop InsuranceNail Technician InsuranceOffice InsuranceOnline Retailer InsuranceOptician InsurancePainters InsurancePlumbers InsurancePub InsuranceResidential Landlord InsuranceRestaurant InsuranceSandwich Shop InsuranceTanning & Sunbed Shop InsuranceTrade InsuranceView more business typesBusiness insurance guides
Connectivity

What can we help you with?

Business Broadband & Phone Line
Business Broadband
Business Phone Line
Business VoIP

Learn more about Connectivity

More Connectivity Guides
Infographic with text - Brits spend 25 years of their working lifetime online

How much do we rely on Wi-Fi in 2024?

Read now
Senior woman using her smartphone to pay for medicines at pharmacy checkout

The digital inclusion divide across the UK

Read now
male and female working in a warehouse scanning packages and working on laptops

What is Multi-Cloud and what does it mean for UK SMEs?

Read now
Finance

What can we help you with?

Business Loans
Commercial mortgages
Secured loans
Asset finance

Learn more about Finance

More Finance Guides
A small business owner sits at her counter with a laptop and papers working out the best way to fund growth

How to effectively fund your small business and manage debt

Read now
hair salon owner chatting to salesman

How do small businesses impact the economy?

Read now
Small business owner talking on mobile phone to arrange a business grant for her startup.

The best small business grants 2024/2025

Read now
New quotes

We’re currently closed - Save time and start a quote online

Start a quote

Start a new quote on the phone

Or if you prefer to wait until we are open.

0800 860 6833

Closed

Opening hours

      Existing customers

      Get help with an existing quote or contract

      Circle
      MenuMenu White

      Bionic’s guides to business essentials

      Our experts share essential knowledge on business energy, insurance and broadband
      Business Essentials
      Guides
      Business Energy
      Guides
      Business Insurance
      Guides
      Business Connectivity
      Guides
      Business Finance
      Guides

      Employer Reference Number (ERN): complete UK business guide

      Your employer reference number (ERN) acts as your business's unique identifier with HMRC. Every UK business owner with employees needs this reference for tax returns, payroll submissions, and even business insurance. Getting it wrong could delay your HMRC submissions and cause you hassle. Solve your ERN problems with this guide.

      June 6th 2025

      Laura Court-Jones

      Small Business Editor

      UK business licences 2025: what do you need for your business?

      Not all businesses need a licence, but it helps to know if you do need one before you start trading. Find out what business licences you need and other considerations by business type in our guide.

      June 5th 2025

      Laura Court-Jones

      Small Business Editor

      How to write a legally binding tenancy agreement: A guide for UK landlords

      In our in-depth Bionic guide, we’ll explain what a tenancy agreement is and how to put together an agreement that works for you and your tenants.

      May 23rd 2025

      Les Roberts

      Senior Content Manager

      Employee injury at work: A complete guide for UK small business owners

      Knowing how to handle a workplace accident and your key responsibilities can be challenging. Find out more about employee injury at work and how to prepare with our guide.

      May 7th 2025

      Les Roberts

      Senior Content Manager

      The best places in the UK for a pint

      Updated for 2025! Discover the best UK locations for a pint with Bionic's latest report, which analyses the number of pubs, reviews and the average pint price.

      April 13th 2025

      Laura Court-Jones

      Small Business Editor

      The best places to start a business in the UK

      Looking to start a business? We've carried out some research to find the best areas in the UK to set up shop, looking up and down the country. From the fastest growing economies to the wettest places most likely to flood - read our report now.

      March 20th 2025

      Laura Court-Jones

      Small Business Editor

      Fact or Fiction? 10 business insurance myths SMEs should watch out for

      Debunking all the myths around business insurance can be a headache, so we've broken it down for you. Learn the real facts in our guide.

      December 12th 2024

      Laura Court-Jones

      Small Business Editor

      Sleighing the Risks: What Insurance Does Santa Really Need?

      Accidents can happen, even in the North Pole! Find out what insurance Santa might need to protect against risks in preparation for Christmas!

      December 9th 2024

      Laura Court-Jones

      Small Business Editor

      The Best & Worst Shoplifting Areas Across the UK

      We gathered UK police data to find about the UK's top shoplifting hotspots. Could it be where your business is located? Use our interactive map to find out and explore our original study.

      October 29th 2024

      Laura Court-Jones

      Small Business Editor

      Business Insurance FAQs: Your most asked questions, answered by our insurance team

      Charlie & Les talk through everything you need to know about business insurance cover so you can make an informed decision for your business.

      September 17th 2024

      Les Roberts

      Senior Content Manager

      Is damage caused by riots covered by business insurance?

      If your busienss has been damaged in riots or civil unrest, can you claim on your business insurance for damages and loss? We answer this question and more in this Bionic guide.

      August 7th 2024

      Les Roberts

      Senior Content Manager

      Why do business insurance premiums increase after making a claim?

      Sometimes you have to make a claim on your business insurance, but what happens afterwards? Learn more about the claims process and why premiums can go up in our guide.

      July 22nd 2024

      Les Roberts

      Senior Content Manager

      Everything your SME needs to know about ghost brokers & how they work

      You may have heard of the term ghosting, but what about ghost broking? If an insurance deal looks too good to be true you could at risk of being a victim. Learn more about these spooky scammers in our guide.

      July 22nd 2024

      David Woodfield

      Chief Growth Officer

      What does business insurance NOT cover? An everything you need to know guide

      You can't fall back on your insurance policy for everything, so it's a good idea to know what's covered and what's not in case you need to add on an extras. Read on to learn more.

      July 22nd 2024

      James Barwell

      Insurance Director

      Why can the location of your business affect your insurance prices and cover?

      If you're considering relocating your business, or expanding to another area - consider how this may affect your insurance premiums to avoid any surprises. Find out more in our guide.

      July 19th 2024

      Laura Court-Jones

      Small Business Editor

      What type of business insurance do I need? From legal requirements to optional extras

      Not every type of business needs the same type of insurance policies - but understanding what business insurance you need is crucial to ensure you're properly protected. Find what cover you need in this guide.

      June 5th 2024

      David Woodfield

      Chief Growth Officer

      Do you need insurance for your side hustle?

      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.

      June 4th 2024

      James Barwell

      Insurance Director

      Top 6 things to consider when renewing business insurance

      Every year your business insurance is going to be due for renewal. But how do you know if you need to make changes? Consider these 6 key points before speaking to your insurance broker.   

      May 2nd 2024

      James Barwell

      Insurance Director

      Business advice: 5 common mistakes to avoid when selecting business insurance

      As a business owner, the last thing you want is something to wrong with when making an insurance claim. To prevent any mishaps, make sure you avoid these common mistakes when arranging cover.

      May 2nd 2024

      Laura Court-Jones

      Small Business Editor

      What is a franchise, and is it the right move for your business?

      Curious about starting a franchise or buying into one? Learn all about this business model and figure out if it's right for you with our handy guide.

      May 1st 2024

      Les Roberts

      Senior Content Manager

      Accuracy matters: submitting business Insurance information

      Submitting the wrong information is sometimes an honest mistake, but it could cause issues with your business insurance policies down the line. Learn how to get it right first time with this guide.

      April 30th 2024

      Laura Court-Jones

      Small Business Editor

      What is an 'Act of God' in insurance, and how can you protect your business?

      The effects of bad weather and storms can cause chaos for your business operations. But is it the same when it comes to an 'Act of God'? Find out all about it in this guide.

      April 30th 2024

      James Barwell

      Insurance Director

      What are business insurance reviews?

      Many customers read reviews before making a purchase decision,and they can help potential buyers you can also use reviews to help your own business.

      March 28th 2024

      Laura Court-Jones

      Small Business Editor

      Company vehicles: what happens if you’re caught driving without insurance?

      If you use company cars or vans for your business, you'll need to make sure they're properly insured. But what happens if a member of staff is caught driving without valid insurance? Read on to find out more.

      March 28th 2024

      James Barwell

      Insurance Director

      ArrowPrev
      of 3
      NextArrow