[{"data":1,"prerenderedAt":279},["ShallowReactive",2],{"schema:\u002Fbusiness-insurance\u002Fguides\u002Fwhat-type-of-business-insurance-do-i-need\u002F":3},{"elements":4,"system":273},{"post__title":5,"post__summary":9,"post__content":12,"post__author":26,"post__reviewer":99,"publish_date":151,"updated_date":156,"url":159,"seo__meta_title":162,"seo__meta_description":164,"seo__add_no_index_tag":166,"seo__canonical_url":169,"related_articles":171,"categories":175,"subfolder":239,"tags":243,"thumbnail_image":247,"show_on_index_page":255,"hide_author":261,"hide_reviewer":265,"hide_tags":269},{"name":6,"type":7,"value":8},"Title","text","What insurance do I actually need for my business? 2026 Guidance",{"name":10,"type":7,"value":11},"Summary","Finding the right business insurance shouldn't feel like navigating a maze blindfolded. Yet many small business owners are confused about what they actually need versus what is on offer. We cut through the generic advice to give you answers in our guide.",{"images":13,"linkedItemCodenames":20,"linkedItems":21,"links":22,"name":23,"type":24,"value":25},[14],{"description":15,"imageId":16,"url":17,"height":18,"width":19},"Bionic branded graphic: What insurance do i need for my small business? With shop and salon illustrations and bionic logo.","4fbddbc7-e573-4b16-a982-2bd7575b57a9","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F4319b89c-4bed-4c61-9c8b-86f815dd4453\u002FWhat%20insurance%20Do%20I%20need%20%281%29.jpg",1415,2118,[],[],[],"Content","rich_text","\u003Cp>All businesses can be at risk of underinsurance, but for some industries the impact can hit harder, like those in manufacturing or property. So why does it happen? There can be many factors, but it's that's not because business owners aren’t on top of it. It’s sometimes because it can be difficult to really understand what business insurance you actually need.  \u003C\u002Fp>\n\u003Cp>Every business is different, and so are the risks, whether you’re a shop owner, wholesale business, or anything in between. \u003C\u002Fp>\n\u003Cp>This guide cuts through the generic advice and template solutions that leave you totally confused. We'll show you exactly how to identify your real risks, avoid the coverage gaps that could lead to rejected claims, and get protection in place that could help when you need it. \u003C\u002Fp>\n\u003Cp>\u003Cem>Already \u003C\u002Fem>know what you need and want more info or to compare quotes? Head straight to our \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\">business insurance\u003C\u002Fa> page, or start a quote online now to get started.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"4fbddbc7-e573-4b16-a982-2bd7575b57a9\" data-image-id=\"4fbddbc7-e573-4b16-a982-2bd7575b57a9\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F4319b89c-4bed-4c61-9c8b-86f815dd4453\u002FWhat%20insurance%20Do%20I%20need%20%281%29.jpg\" data-asset-id=\"4fbddbc7-e573-4b16-a982-2bd7575b57a9\" data-image-id=\"4fbddbc7-e573-4b16-a982-2bd7575b57a9\" alt=\"Bionic branded graphic: What insurance do i need for my small business? With shop and salon illustrations and bionic logo.\">\u003C\u002Ffigure>\n\u003Ch2>Do I need business insurance?\u003C\u002Fh2>\n\u003Cp>This is the most obvious question - but it depends your sector, and on the nature of your business. Some insurance types may be a legal requirement or a requirement of a regulatory body - if you are a solicitor, for example.\u003C\u002Fp>\n\u003Ch2>\u003Cstrong>What business insurance do I legally need?\u003C\u002Fstrong>\u003C\u002Fh2>\n\u003Cp>Let's start with the non-negotiable requirements, because getting this wrong could lead to a disaster for your business.\u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Employers' liability is legally required if you have staff\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>If you employ anyone - even one part-time worker - you \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Femployers-liability-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">must have employers' liability insurance\u003C\u002Fa>. The moment you become an employer, this becomes law. \u003C\u002Fp>\n\u003Cp>Here's what most guides won't tell you - the biggest trap is always thinking\u003Cem> family members don't count\u003C\u002Fem>. Although there are some exceptions, you should still consider having this in place. After all, a family member who gets injured on your watch could still claim against you.\u003C\u002Fp>\n\u003Ch4>\u003Cstrong>Who counts as an employee?\u003C\u002Fstrong>\u003C\u002Fh4>\n\u003Cp>This is where some business owners may get caught out. The requirement typically covers:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Part-time and temporary workers\u003C\u002Fli>\n  \u003Cli>Apprentices\u003C\u002Fli>\n  \u003Cli>Casual and seasonal staff\u003C\u002Fli>\n  \u003Cli>Volunteers\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You may not need employers' liability cover for an independent contractor who works for multiple businesses and could hire a substitute. But if you're not sure, it's worth checking checking this with a broker. \u003C\u002Fp>\n\u003Ch2>Can I risk not having insurance?\u003C\u002Fh2>\n\u003Cp>The choice is yours – but it’s not the best idea to skip out on it. As it’s a legal requirement, there are some real financial consequences if you don’t: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>You could be fined \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Femployers-liability-insurance#:~:text=You%20can%20be%20fined%20%C2%A3,you%20are%20not%20properly%20insured.\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">£2,500\u003C\u002Fa> for every day you don't have employers’ liability \u003C\u002Fli>\n  \u003Cli>You could be personally responsible to pay out if an employee makes a claim - this could potentially be thousands of pounds. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>\u003Cstrong>What other insurance is legally required?\u003C\u002Fstrong>\u003C\u002Fh2>\n\u003Cp>If you use any delivery drivers or vans, commercial motor insurance is a legal requirement in the UK. This includes: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Your personal car when visiting clients \u003C\u002Fli>\n  \u003Cli>Company vehicles \u003C\u002Fli>\n  \u003Cli>Employee vehicles used for work (even picking up supplies) \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Remember - regular car or van insurance \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fcompany-vehicles-caught-driving-without-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">will not cover you or your employees if they’re driving a company vehicle\u003C\u002Fa>. Commercial vehicle insurance covers vehicles used for business purposes, such as driving to and from properties if you’re an estate agent, for example. \u003C\u002Fp>\n\u003Cp>Bionic is not able to cover your vehicle, but it’s likely we can help you insure your business operations.\u003C\u002Fp>\n\u003Ch2>What business insurance types do I need in 2026?\u003C\u002Fh2>\n\u003Cp>As many small businesses will know, we're still in tough economic times even though we're technically not in recession. But due to economic instability and rising costs, businesses owners are finding it difficult to make profits.\u003C\u002Fp>\n\u003Cp>In fact, Allianz suggests many businesses are dropping coverage that's they deem non-essential, but this then leaves them more exposed to risk. The \u003Ca href=\"https:\u002F\u002Fwww.allianz.co.uk\u002Fnews-and-insight\u002Finsight-and-expertise\u002Fallianz-risk-barometer-2026.html\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Allianz Risk Baromerer report 2026\u003C\u002Fa>, suggests \u003Cem>Cyber attacks\u003C\u002Fem>,\u003Cem> AI \u003C\u002Fem>and \u003Cem>business interruption\u003C\u002Fem> are the three biggest risks businesses now face.\u003C\u002Fp>\n\u003Ch3>What is business interruption insurance — and do I need it?\u003C\u002Fh3>\n\u003Cp>Business interruption insurance is not a legal requirement but should be considered by businesses that rely on physical premises to trade.\u003C\u002Fp>\n\u003Cp>It could help cover the income you lose and the ongoing costs you face (rent, wages, utilities) if an insured event like a fire, flood, or burst pipe stops you from trading normally. \u003C\u002Fp>\n\u003Cp>\u003Cstrong>What it could cover:\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Lost income or profit during the closure period\u003C\u002Fli>\n  \u003Cli>Fixed running costs that continue when you're not trading\u003C\u002Fli>\n  \u003Cli>Costs of moving to temporary premises while repairs are carried out\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>What cyber insurance do I actually need in 2026? \u003C\u002Fh3>\n\u003Cp>Around \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fgovernment\u002Fstatistics\u002Fcyber-security-breaches-survey-2025\u002Fcyber-security-breaches-survey-2025\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">612,000 UK businesses and 61,000 UK charities\u003C\u002Fa> identified a cyber breach or attack in 2025. Cyber attacks have become so widespread that every business — regardless of size — faces potential risk. \u003C\u002Fp>\n\u003Ch4>Why small businesses are prime targets \u003C\u002Fh4>\n\u003Cp>Although it’s often in the news, it’s not always the corporate giants who get targeted by cybercriminals. Small businesses are actually often targets, because: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>They have valuable data but can’t always afford tight security measures \u003C\u002Fli>\n  \u003Cli>They're less likely to have incident response plans \u003C\u002Fli>\n  \u003Cli>They may be inclined to pay ransoms quickly to get back to business \u003C\u002Fli>\n  \u003Cli>They're connected to larger companies through supply chains, which could offer a way in for cybercriminals. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>With these risks in mind, cyber insurance is available as an optional cover for businesses concerned about digital threats. Learn more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fwhat-is-cyber-insurance-a-guide-for-your-small-business\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">cyber insurance for your business.\u003C\u002Fa>\u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Professional indemnity insurance for professionals\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>Although not a legal requirement, professional indemnity insurance can be purchased for businesses that provide professional advice or services. \u003C\u002Fp>\n\u003Cp>In certain professions, such as law, accounting, and \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fengineers\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">engineering\u003C\u002Fa>, regulatory bodies or specific contracts may require PI to be taken out. For example: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Solicitors who are \u003Ca href=\"https:\u002F\u002Fwww.sra.org.uk\u002Fsolicitors\u002Fstandards-regulations\u002Findemnity-insurance-rules\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">SRA-regulated\u003C\u002Fa> need to take out a minimum level of PII cover in accordance with the minimum terms and conditions. This is normally £2-3 million minimum. \u003C\u002Fli>\n  \u003Cli>ICAEW \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Faccountants\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">accountants\u003C\u002Fa> - £2 million minimum  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Remember, your professional body requirements can change.  \u003C\u002Fp>\n\u003Cp>It’s always a good idea to keep up to date with the requirements\u003Cstrong> \u003C\u002Fstrong>of any regulatory bodies you belong to, so you avoid any gaps without sufficient cover.\u003Cstrong>  \u003C\u002Fstrong>For example, the\u003Cstrong> \u003C\u002Fstrong>ICAEW increased the minimum coverage from £1.5 million to £2 million in September 2024; therefore, some professionals may have been underinsured if they were not aware of this change. \u003C\u002Fp>\n\u003Ch4>\u003Cstrong>How much professional indemnity cover is enough?\u003C\u002Fstrong>\u003C\u002Fh4>\n\u003Cp>There's no single answer, but here's a practical starting point:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Check your client contracts — many might specify a minimum cover level they require from you\u003C\u002Fli>\n  \u003Cli>Check your professional body — requirements like the ICAEW example above can change with short notice\u003C\u002Fli>\n  \u003Cli>Think about the scale of the projects you work on — if a mistake could cause a six-figure financial loss then it might be worth considering that when you think about levels of cover\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch4>Do I need professional indemnity if I'm not regulated? \u003C\u002Fh4>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fprofessional-indemnity-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Professional indemnity\u003C\u002Fa> is not a legal requirement but, as mentioned, it’s sometimes a regulatory requirement for many professionals like solicitors, for example.  \u003C\u002Fp>\n\u003Cp>However, if you’re not part of a regulatory body – \u003Cem>do you really need it?\u003C\u002Fem> The truth is, it’s still worth considering - especially if you give out advice as part of your work.  \u003C\u002Fp>\n\u003Cp>If you’re a creative freelancer, business consultant or training provider dishing out advice it could impact large business decisions. And if your advice leads to financial loss – \u003Cem>you could be held liable.\u003C\u002Fem> \u003C\u002Fp>\n\u003Cp>To make the right choice, you should think about your risk tolerance and how much you’re willing to spend on insurance to help protect your business. \u003C\u002Fp>\n\u003Ch4>The client contract reality \u003C\u002Fh4>\n\u003Cp>Depending on what industry you work in - some clients may not want to work with you if you don’t have some level of indemnity cover in place. They're not being difficult - they're just protecting themselves. \u003C\u002Fp>\n\u003Cp>Even public service sectors may require proof before signing contracts.  So without it, you may be missing out on business opportunities with new partners – it's something to really think about. \u003C\u002Fp>\n\u003Ch3>Public liability for small businesses\u003C\u002Fh3>\n\u003Ch4>Why public liability isn't just for \"risky\" businesses \u003C\u002Fh4>\n\u003Cp>When it comes to construction – it’s pretty clear why public liability could be considered, as working in public areas can increase the chance of injury by the public.  \u003C\u002Fp>\n\u003Cp>But what about businesses that don’t seem as ‘risky’ ? The right public liability cover could still be essential for: \u003C\u002Fp>\n\u003Ch5>Shops \u003C\u002Fh5>\n\u003Cp>If you run a local shop or grocers, then you’ll have some loyal customers that step into your shop daily. This means you’re not risk-free either. Spilt or spoiled produce on the floor could cause customers to slip or fall – leading to injuries. Therefore Public liability insurance is a key consideration along with many other types of cover. \u003C\u002Fp>\n\u003Cp>Read more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fshop\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">insurance for shops\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch5>Takeaways\u003C\u002Fh5>\n\u003Cp>Similarly to shops, if you’re takeaway is bustling on a Friday night, then there is the risk of greasy floors which can cause slips and trips. Having PL in place along with others, could help protect you if an injured customer decides to claim. \u003C\u002Fp>\n\u003Cp>Learn more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Ftakeaway\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">takeaway insurance\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch5>Wholesalers \u003C\u002Fh5>\n\u003Cp>As a wholesaler  – you may have partners or clients come to your warehouse to see your operations. If stock or packaging is left lying around – it could increase the risk of slips and falls – leading to injury. \u003C\u002Fp>\n\u003Cp>Even if you’re supplying flowers, bikes or anything in between – You can  consider public liability in your insurance package.  \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fwholesale\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Read up on wholesale insurance\u003C\u002Fa> to see answer any more of your questions. \u003C\u002Fp>\n\u003Ch5>Offices\u003C\u002Fh5>\n\u003Cp>If you have clients or suppliers that visit your office premises, there is a chance they could slip, trip, or fall and injured themselves. And you could be held liable, even if your office seems “safe” and you follow 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\u002Fp>\n\u003Cp>Learn more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Foffice\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">office insurance\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch5>Salons\u003C\u002Fh5>\n\u003Cp>Designed for hairdressers and beauty salons, salon insurance includes public liability cover. This includes protection against injury claims or if one of your clients suffers an allergic reaction caused by one of your treatments. \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fsalon\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Find out more about salon insurance\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch5>Cafes\u003C\u002Fh5>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fcafe-coffee-shops\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Cafe insurance\u003C\u002Fa> sometimes has added requirements for food hygiene and safety standards. Check your policy to see if this applies to you. You could also be held responsible if a customer burns themselves on a hot plate or an employee spills coffee on a customer's expensive coat. Cafe insurance can help cover your business for the cost of claims made against you. \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fcafe-coffee-shops\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Find out more about cafe insurance\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch5>Hotels \u003C\u002Fh5>\n\u003Cp>Hotels should consider public liability insurance. It can help protect your business against claims from guests, such as slips and falls and natural disasters. For example, if a guest slips on a wet floor in your hallway and files a claim, hotel insurance could help cover the legal costs and compensation. \u003C\u002Fp>\n\u003Ch5>Online businesses\u003C\u002Fh5>\n\u003Cp>You might think you're risk-free if you don’t have a physical office space – but that’s not necessarily true. You could run into the following: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>A delivery to a customer's address causes property damage \u003C\u002Fli>\n  \u003Cli>You attend industry events and accidentally damage venue property \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>In these cases, many businesses choose to have a level of public liability in place. Learn more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fonline-retailer-ecommerce\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">insurance for online businesses.\u003C\u002Fa> \u003C\u002Fp>\n\u003Ch5>Home-based businesses \u003C\u002Fh5>\n\u003Cp>If you run your business from home, then you should still consider business cover – especially if you have clients in your home. For example, if you are a self-employed counsellor. \u003C\u002Fp>\n\u003Cp>Standard home insurance \u003Cem>won't cover\u003C\u002Fem> business-related claims. If a client slips and falls down your front doorsteps they may have grounds for a claim. So, to prepare and protect yourself, you can consider getting \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fhome-based-business\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">home-based business insurance\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cp>Remember, you should always tell your home insurer if you are running a business from home, even if it’s a part time business. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>How do I know if I'm underinsured?\u003C\u002Fstrong>\u003C\u002Fh2>\n\u003Cp>You may find you end up underinsured from one simple mistake. When getting a quote you might put the wrong your business description. If you fill in a generic form and get a quote based on a generic description, this may not reflect the actual risks that are specific to your business. \u003C\u002Fp>\n\u003Cp>And this could lead to being underinsured and potential future claims getting rejected.  \u003C\u002Fp>\n\u003Cp>Learn more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002F5-common-mistakes-to-avoid-when-selecting-business-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">common business insurance mistakes\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>The business description trap\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>For example, you might describe yourself as an engineer, but you should declare what type of engineer... \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Engineer\u003C\u002Fstrong> -  could mean computer engineer or chemical engineer. Insurers would see these jobs as having completely different risk profiles. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Retailer\u003C\u002Fstrong> - doesn't distinguish between selling books or selling power tools \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Technology services\u003C\u002Fstrong> - covers everything from website design to AI automation \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>To avoid this, be more specific about your actual activities. The more specific you are, the more accurate your coverage will be. \u003C\u002Fp>\n\u003Cp>At Bionic, we don’t use generic forms. Our quotes process starts online and empowers you to get the right quotes specific for your business needs. And if you need support or get stuck, we can connect you straight to a UK-based member of our team to help guide you through the process.  \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>Coverage gaps that could lead to rejected claims\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Here are a few things to be aware of... \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Policy conditions you didn't know about\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>Insurers will set out requirements in your policy they expect you to meet, if you don’t and need to make a claim, you might not be covered. Common conditions may include: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Maintaining specific security measures (like health and safety regulations) \u003C\u002Fli>\n  \u003Cli>Regular equipment maintenance \u003C\u002Fli>\n  \u003Cli>Proper storage of materials (for example, locking your tools away securely at night) \u003C\u002Fli>\n  \u003Cli>Proper employee training \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>This is why \u003Cem>it’s so important\u003C\u002Fem> read the small print in your policy and abide by any conditions set out by your insurer. If you don’t and attempt to make a claim – insurers are within their right to right to reject. They could simply say -\u003Cem> you\u003C\u002Fem> should have checked \u003Cem>your \u003C\u002Fem>policy.  \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Gradual damage exclusions\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>Many policies only cover sudden, accidental damage. If your business operations gradually damage someone's property (like vibrations from machinery), you might not be covered.\u003C\u002Fp>\n\u003Ch2>\u003Cstrong>Cyber exclusions in traditional policies\u003C\u002Fstrong>\u003C\u002Fh2>\n\u003Cp>If you don’t have cyber insurance in place – your existing policy may not provide cover you if you suffer a cyber-attack on your systems. You may need to take out a separate policy to help cover you from data breaches. \u003C\u002Fp>\n\u003Ch3>Real world example  \u003C\u002Fh3>\n\u003Cp>\u003Cem>Imagine you’ve been running a successful local bakery for 8 years and built up a loyal customer base. One morning, you notice your POS payment systems isn’t working properly. You look into the issue and find out your payment system has a security breach. Not only do you now need to notify customers and apologise, potentially damaging your reputation. You are liable for fines as well as legal fee costs if any customers try to take you to court. \u003C\u002Fem> \u003C\u002Fp>\n\u003Cp>\u003Cem>The lesson here is to check the security measures your partners and suppliers have in place. Optional covers may provide help in these situations.\u003C\u002Fem> \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>How to avoid the insurance trap\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Cheap insurance \u003Cem>doesn’t\u003C\u002Fem> always pay. What does that mean? \u003C\u002Fp>\n\u003Cp>Some brokers may supply you with the cheapest quote possible. Especially if you’re filling in a generic form. This may look great on paper, but when you look into the details – what are you actually getting for it? \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Follie-barrett\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">\u003Cem>Ollie Barrett – Senior Technical Insurance Manager\u003C\u002Fem>\u003C\u002Fa>\u003Cem> at Bionic, states -  “Not all sectors have the same types of risks. Your cover should meet your individual business requirements, making sure sums insured are adequate to cover your business in the event of a claim.\u003C\u002Fem> \u003C\u002Fp>\n\u003Cp>\u003Cem>You should always check your insurance policy to ensure that you are happy with the terms and conditions that have been applied. Policies may have higher excess for specific sections of your policy, or restrictions in cover, or both! Look through your policy documentation to check any excess, terms and conditions that may apply.”\u003C\u002Fem> \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>What insurance actually costs\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>\u003Cstrong>High excesses -\u003C\u002Fstrong>  A cheap policy might mean you have a really high excess. For example, that £200 annual policy might have an excess of £5,000. For many small claims, you might have to pay everything yourself. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Limited coverage\u003C\u002Fstrong> - Cheap policies may exclude key risks or have low sub-limits that don't provide the protection you need \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Poor claims service\u003C\u002Fstrong> - When you need to claim, very cheap insurers may provide minimal support to help you through the process. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Things to consider before opting for an insurance quote\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>Is it significantly cheaper than other quotes? (could indicate limited cover) \u003C\u002Fli>\n  \u003Cli>Does it have very generic policy wording without industry-specific provisions? \u003C\u002Fli>\n  \u003Cli>Does it mention of any claims support services \u003C\u002Fli>\n  \u003Cli>Did you fill out a quick generic form without speaking to a real person? \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>What to look for in your insurance quote\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Instead of going with the cheapest premium, you should look for: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Appropriate cover limits for the risks your business faces \u003C\u002Fli>\n  \u003Cli>Industry-specific policy wordings \u003C\u002Fli>\n  \u003Cli>24\u002F7 claims support \u003C\u002Fli>\n  \u003Cli>Risk management services \u003C\u002Fli>\n  \u003Cli>A human broker you can speak to check the specifics \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>\u003Cstrong>When to use professional help\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Some insurance decisions are too important to get wrong – and there are plenty of honest \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fworking-with-a-business-insurance-broker\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">business insurance brokers\u003C\u002Fa> out there who can help. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>You can use a broker when...\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>You’re not sure what options you have \u003C\u002Fli>\n  \u003Cli>Your business has complex needs or unusual risks \u003C\u002Fli>\n  \u003Cli>You need specific cover for your industry \u003C\u002Fli>\n  \u003Cli>You've had \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fwhat-happens-if-youre-refused-business-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">claims rejected in the past\u003C\u002Fa> \u003C\u002Fli>\n  \u003Cli>You're unsure about your gaps in cover \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Learn more about using a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fbroker-vs-direct-insurer-which-is-better\u002F\">business insurance broker\u003C\u002Fa>.\u003C\u002Fp>\n\u003Ch2>\u003Cstrong>Sorting the right business insurance\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Remember, it’s not about buying the most insurance or the cheapest insurance – it's about finding the right protection for your specific risks at a price that makes business sense. \u003C\u002Fp>\n\u003Cp>When you have the right cover in place, you can focus on growing your business instead of worrying about what might go wrong. At Bionic we help insure small to medium businesses from shops and salons to takeaways and sole traders. Start a quote online to get started to compare business insurance and a member of our insurance team will be on hand to help you through the specifics. Don’t want to chat now? You can schedule a call when it suits you best. \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\">Start a quote for business insurance with Bionic\u003C\u002Fa>.\u003C\u002Fp>",{"name":27,"type":28,"value":29,"linkedItems":31},"Author","modular_content",[30],"author___laura_court_jones",[32],{"elements":33,"system":91},{"name":34,"title":37,"linkedin":39,"twitter":42,"intro":45,"body":52,"slug":59,"image":63,"seo__meta_title":75,"seo__meta_description":78,"seo__add_no_index_tag":81,"seo__canonical_url":88},{"name":35,"type":7,"value":36},"Name","Laura Court-Jones",{"name":6,"type":7,"value":38},"Small Business Editor",{"name":40,"type":7,"value":41},"Linkedin Address","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Flaura-court-jones-b731b6a3\u002F",{"name":43,"type":7,"value":44},"Twitter Address","https:\u002F\u002Ftwitter.com\u002FBionic_Business",{"images":46,"linkedItemCodenames":47,"linkedItems":48,"links":49,"name":50,"type":24,"value":51},[],[],[],[],"Intro","\u003Cp>Laura Court‑Jones is Small Business Editor at Bionic. She creates clear, practical content on UK business insurance and utilities. With 10+ years’ experience in content and digital marketing, Laura's content aims to educate small business owners to help them make more confident decisions.\u003C\u002Fp>",{"images":53,"linkedItemCodenames":54,"linkedItems":55,"links":56,"name":57,"type":24,"value":58},[],[],[],[],"Body","\u003Cp>Laura Court‑Jones is our Small Business Editor at Bionic, where she researches and creates practical content on UK business insurance, energy and broadband for small business owners. She turns complex insurance topics into clear, actionable takeaways to help business owners make more confident decisions.  \u003C\u002Fp>\n\u003Cp>Laura has over 10 years of experience creating content for a variety of topics, including insurance and utilities. Since joining Bionic in 2023, Laura has created multi-format content to help UK small businesses understand their risks and insurance needs.\u003C\u002Fp>\n\u003Cp>She holds a bachelor's degree, with a major in content and has previously worked in digital marketing roles where she planned, researched and edited customer‑first content across web and social channels. Outside of work, you’ll find Laura at her local fitness studio or coffee shop, supporting small businesses in South London.\u003C\u002Fp>",{"name":60,"type":61,"value":62},"Slug","url_slug","laura-court-jones\u002F",{"name":64,"type":65,"value":66},"Image","asset",[67],{"name":68,"description":69,"type":70,"size":71,"url":72,"width":73,"height":73,"renditions":74},"head-shot-sos.png","Laura Court-Jones, Small Business Editor at Bionic","image\u002Fpng",74280,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F7c353b82-35b6-4021-9d3a-1f3ffc751b89\u002Fhead-shot-sos.png",200,{},{"name":76,"type":7,"value":77},"Meta title","Laura Court-Jones | Small Business Editor at Bionic",{"name":79,"type":7,"value":80},"Meta description","Laura's experience writing for business means she can break down complex topics in energy and insurance, creating content that truly helps UK business owners.",{"name":82,"type":83,"value":84},"Add no index tag","multiple_choice",[85],{"name":86,"codename":87},"No","no",{"name":89,"type":7,"value":90},"Canonical URL","https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Flaura-court-jones\u002F",{"codename":30,"collection":92,"id":93,"language":92,"lastModified":94,"name":95,"sitemapLocations":96,"type":97,"workflowStep":98,"workflow":92},"default","7f9ace33-dd62-4f75-ad64-b2c9f73499cb","2026-01-12T10:45:49.8493442Z","AUTHOR - Laura Court-Jones",[],"author","published",{"name":100,"type":28,"value":101,"linkedItems":103},"Reviewer",[102],"author___ollie_barrett",[104],{"elements":105,"system":146},{"name":106,"title":108,"linkedin":110,"twitter":112,"intro":114,"body":120,"slug":126,"image":128,"seo__meta_title":137,"seo__meta_description":139,"seo__add_no_index_tag":141,"seo__canonical_url":144},{"name":35,"type":7,"value":107},"Ollie Barrett",{"name":6,"type":7,"value":109},"Senior Insurance Technical Manager",{"name":40,"type":7,"value":111},"https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Follie-barrett-03b67b27\u002F",{"name":43,"type":7,"value":113},"https:\u002F\u002Ftwitter.com\u002Fbionic_business",{"images":115,"linkedItemCodenames":116,"linkedItems":117,"links":118,"name":50,"type":24,"value":119},[],[],[],[],"\u003Cp>Ollie is a dedicated insurance professional with over two decades of experience in a variety of roles within the SME sector, including broking, underwriting, product development and capacity management. Ollie holds the CII Certificate in Insurance.\u003C\u002Fp>",{"images":121,"linkedItemCodenames":122,"linkedItems":123,"links":124,"name":57,"type":24,"value":125},[],[],[],[],"\u003Cp>Ollie is a dedicated insurance professional with over two decades of experience in a variety of roles within the SME sector, including broking, underwriting, product development and capacity management. Ollie holds the CII Certificate in Insurance.\u003C\u002Fp>\n\u003Cp>He’s been involved with some exciting projects in his career, including developing and launching new, innovative insurance solutions that have helped customers to buy insurance.\u003C\u002Fp>\n\u003Cp>As a key, senior member of Bionic’s insurance team, he regularly helps with reviewing content to ensure we’re providing the most helpful and technically accurate insurance information for our customers. \u003C\u002Fp>",{"name":60,"type":61,"value":127},"ollie-barrett\u002F",{"name":64,"type":65,"value":129},[130],{"name":131,"description":132,"type":70,"size":133,"url":134,"width":135,"height":135,"renditions":136},"Ollie.png","Ollie Barrett headshot",48492,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F916d6798-00dc-4284-9c13-e6e53bddbae2\u002FOllie.png",287,{},{"name":76,"type":7,"value":138},"Ollie Barrett | Senior Insurance Technical Manager | Bionic",{"name":79,"type":7,"value":140},"Ollie is an insurance professional with over two decades of experience within the SME sector, including broking, underwriting, product development and capacity management.",{"name":82,"type":83,"value":142},[143],{"name":86,"codename":87},{"name":89,"type":7,"value":145},"https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Follie-barrett\u002F",{"codename":102,"collection":92,"id":147,"language":92,"lastModified":148,"name":149,"sitemapLocations":150,"type":97,"workflowStep":98,"workflow":92},"99eb3556-fe0b-4bb5-bf39-b19d8c954620","2026-06-10T09:19:39.9486285Z","AUTHOR - Ollie Barrett",[],{"name":152,"type":153,"value":154,"displayTimeZone":155},"Publish Date","date_time","2026-03-25T16:55:00Z","Europe\u002FLondon",{"name":157,"type":153,"value":158,"displayTimeZone":155},"Updated Date",null,{"name":160,"type":61,"value":161},"URL","what-type-of-business-insurance-do-i-need\u002F",{"name":76,"type":7,"value":163},"What insurance do I need for my small business in 2026?",{"name":79,"type":7,"value":165},"Finding the right business insurance shouldn't feel confusing. Yet many business owners are, learn what you need now.",{"name":82,"type":83,"value":167},[168],{"name":86,"codename":87},{"name":89,"type":7,"value":170},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fwhat-type-of-business-insurance-do-i-need\u002F",{"name":172,"type":28,"value":173,"linkedItems":174},"Related Articles",[],[],{"name":176,"type":28,"value":177,"linkedItems":179},"Categories",[178],"category___business_insurance_guide",[180],{"elements":181,"system":233},{"name":182,"short_name":184,"call_to_action":187,"call_to_action_button":190,"mobile_name":193,"url_slug":196,"icon":199,"active_icon":208,"seo__meta_title":214,"seo__meta_description":216,"seo__add_no_index_tag":218,"seo__canonical_url":221,"type":223,"order":229},{"name":35,"type":7,"value":183},"Business Insurance Guide",{"name":185,"type":7,"value":186},"Short Name","Business Insurance",{"name":188,"type":7,"value":189},"Call To Action Title","Get a quote for business insurance",{"name":191,"type":7,"value":192},"Call To Action Button Text","Start a quote",{"name":194,"type":7,"value":195},"Mobile Name","Insurance",{"name":197,"type":61,"value":198},"URL SLug","business-insurance",{"name":200,"type":65,"value":201},"Icon",[202],{"name":203,"description":204,"type":205,"size":206,"url":207,"renditions":158},"guides-Insurance-orange.svg","Insurance Icon","image\u002Fsvg+xml",2154,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Fe2a2e472-1b30-420c-88bd-0fea7444adad\u002Fguides-Insurance-orange.svg",{"name":209,"type":65,"value":210},"Active Icon",[211],{"name":212,"description":204,"type":205,"size":206,"url":213,"renditions":158},"guides-Insurance-white.svg","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Fa1836448-93cd-46e7-acf5-598509e68845\u002Fguides-Insurance-white.svg",{"name":76,"type":7,"value":215},"Business Insurance Guides | Business Insurance Cover | Bionic",{"name":79,"type":7,"value":217},"Bionic's business insurance guides cut through the industry jargon to help you find the right business insurance cover for complete peace of mind",{"name":82,"type":83,"value":219},[220],{"name":86,"codename":87},{"name":89,"type":7,"value":222},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002F",{"name":224,"type":83,"value":225},"Type",[226],{"name":227,"codename":228},"Guide","guide",{"name":230,"type":231,"value":232},"Order","number",2,{"codename":178,"collection":92,"id":234,"language":92,"lastModified":235,"name":236,"sitemapLocations":237,"type":238,"workflowStep":98,"workflow":92},"68e2bdde-8c76-49a5-8bbe-874fa3f58b2b","2022-08-25T13:05:43.269881Z","Category - Business Insurance Guide",[],"category",{"name":240,"type":28,"value":241,"linkedItems":242},"Subfolder",[],[],{"name":244,"type":28,"value":245,"linkedItems":246},"Tags",[],[],{"name":248,"type":65,"value":249},"Thumbnail Image",[250],{"name":251,"description":15,"type":252,"size":253,"url":17,"width":19,"height":18,"renditions":254},"What insurance Do I need (1).jpg","image\u002Fjpeg",125336,{},{"name":256,"type":83,"value":257},"Show on index page",[258],{"name":259,"codename":260},"Yes","yes",{"name":262,"type":83,"value":263},"Hide Author",[264],{"name":86,"codename":87},{"name":266,"type":83,"value":267},"Hide Reviewer",[268],{"name":86,"codename":87},{"name":270,"type":83,"value":271},"Hide Tags",[272],{"name":259,"codename":260},{"codename":274,"collection":92,"id":275,"language":92,"lastModified":276,"name":277,"sitemapLocations":278,"type":228,"workflowStep":98,"workflow":92},"insurance_guide___what_insurance_do_i_need_","5a6e7ac2-825c-4481-8ea6-687c02f0a1d8","2026-03-25T16:38:48.7302611Z","INSURANCE GUIDE - What insurance do I need?",[],1784910336832]