[{"data":1,"prerenderedAt":1294},["ShallowReactive",2],{"schema:\u002Fbusiness-insurance\u002Fhotel\u002F":3},{"elements":4,"system":1287},{"product_name":5,"slug":9,"content_block___hero":13,"content_block___supplier":82,"content_blocks":108,"meta_title":1270,"meta_description":1273,"meta_canonical":1276,"meta_robots":1279,"meta_aggregate_schema":1284},{"name":6,"type":7,"value":8},"Product Name","text","business-insurance-hotel",{"name":10,"type":11,"value":12},"Slug","url_slug","business-insurance\u002Fhotel",{"name":14,"type":15,"value":16,"linkedItems":18},"Content Block - Hero","modular_content",[17],"untitled_content_item_69309d6",[19],{"elements":20,"system":74},{"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":70},{"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","Hotel Insurance",{"name":37,"type":7,"value":38},"Heading","Compare insurance for hotels",{"name":40,"type":7,"value":41},"Hero Bullet One","Business insurance for small hotels from £1.79 a day*",{"name":43,"type":7,"value":44},"Hero Bullet Two","Protect against claims made by staff and guests",{"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=seohotel",{"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":28,"size":65,"url":66,"width":67,"height":68,"renditions":69},"Hotel-min.png","A hotel worker in a grey waistcoat holds towels and smiles after sorting her hotel insurance.",427639,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F2c319ed8-69a9-49c5-9661-427eb3185f0c\u002FHotel-min.png",1387,1156,{},{"name":71,"type":15,"value":72,"linkedItems":73},"Theme",[],[],{"codename":17,"collection":75,"id":76,"language":75,"lastModified":77,"name":78,"sitemapLocations":79,"type":80,"workflowStep":81,"workflow":75},"default","69309d62-d4ad-4dba-baeb-282b65801a65","2026-04-01T08:52:56.2700392Z","Content Block - Hero - Hotel",[],"content_block___hero","published",{"name":83,"type":15,"value":84,"linkedItems":86},"Content Block - Supplier",[85],"content_block___supplier_carousel___insurance",[87],{"elements":88,"system":102},{"tagline":89,"supplier_image":91},{"name":34,"type":7,"value":90},"We compare a vetted panel of trusted business suppliers",{"name":92,"type":23,"value":93},"Supplier Image",[94],{"name":95,"description":96,"type":28,"size":97,"url":98,"width":99,"height":100,"renditions":101},"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":85,"collection":75,"id":103,"language":75,"lastModified":104,"name":105,"sitemapLocations":106,"type":107,"workflowStep":81,"workflow":75},"39b5b18e-37fb-4e8b-b0d0-e723cea57acc","2024-12-02T15:51:09.3529699Z","Content Block - Supplier Carousel - Insurance",[],"content_block___supplier_carousel",{"name":109,"type":15,"value":110,"linkedItems":130},"Content Blocks",[111,112,113,114,115,116,117,118,119,120,121,122,123,124,125,126,127,128,129],"content_block___sticky_cta___hotel","content_block___usp___hotel","what_is_hotel_insurance__why_it_is_important_","why_is_insurance_important_for_hotels_","content_block___one_column___what_does_hotel_insur","what_s_included_in_a_hotel_package__1796323","content_block___one_column___how_much_does_hotel_i","content_item___one_column___how_can_i_get_lower_ho","content_block___one_column___get_hotel_insurance_w","content_block___one_column___get_hotel_insurance_w_90c6667","content_block___cta___start_a_quote_online","content_block___how_does_it_work___how_bionic_busi","content_block___bullet_points___ins_getting_starte","content_block___trust_pilot__slider","content_block_cta___seo","untitled_content_item_9d8f9ad","content_block___guides___hotel","content_block___image_with_cta___ins_backbone","content_block___social",[131,146,163,184,215,243,367,395,413,431,460,489,532,593,607,623,689,1232,1263],{"elements":132,"system":140},{"title":133,"tagline":136,"cta_button_text":138,"cta_link_url":139},{"name":134,"type":7,"value":135},"Title","Compare hotel insurance quotes",{"name":34,"type":7,"value":137},"There's no need for reservations. We've got you covered.",{"name":49,"type":7,"value":50},{"name":52,"type":7,"value":53},{"codename":111,"collection":75,"id":141,"language":75,"lastModified":142,"name":143,"sitemapLocations":144,"type":145,"workflowStep":81,"workflow":75},"22fb5231-d56f-4322-aa65-e83b4a56e502","2026-01-26T10:04:23.6512482Z","Content Block - Sticky CTA - Hotel",[],"content_block__sticky__cta",{"elements":147,"system":157},{"text_left":148,"text_middle":151,"text_right":154},{"name":149,"type":7,"value":150},"Text Left","Bionic provides business insurance for small business, like hotels",{"name":152,"type":7,"value":153},"Text Middle","Get cover to protect against claims from employees, customers & more. No unnecessary extras",{"name":155,"type":7,"value":156},"Text Right","Bionic is trusted by UK businesses and won 'Highly Commended' at the 2025 Insurance Broker Awards",{"codename":112,"collection":75,"id":158,"language":75,"lastModified":159,"name":160,"sitemapLocations":161,"type":162,"workflowStep":81,"workflow":75},"cf6ee04d-c183-4b2e-a434-5db8056ab5b3","2026-04-01T08:55:45.2619576Z","Content Block - USP - Hotel",[],"content_block___usp_",{"elements":164,"system":178},{"title_accent":165,"title":168,"text":170},{"name":166,"type":7,"value":167},"Title Accent","What is...",{"name":134,"type":7,"value":169},"hotel insurance?",{"images":171,"linkedItemCodenames":172,"linkedItems":173,"links":174,"name":175,"type":176,"value":177},[],[],[],[],"Text","rich_text","\u003Cp>Hotel insurance is a type of business insurance designed for small hotels, guesthouses and similar accommodation providers. It consists of different types of cover on one policy to help protect your property, staff, guests and day-to-day activities. \u003C\u002Fp>\n\u003Cp>With people coming and going every day, it’s impossible to predict when things could go wrong. A guest could slip and fall in your breakfast room, or a storm could cause damage to your property - there are so many possibilities. A hotel insurance policy is designed to help cover these risks, offering financial protection if something unexpected happens. \u003C\u002Fp>\n\u003Cp>Hotel insurance can help protect against unforeseen events and provide peace of mind so you can focus on what’s most important - running a successful hotel business. \u003C\u002Fp>",{"codename":113,"collection":75,"id":179,"language":75,"lastModified":180,"name":181,"sitemapLocations":182,"type":183,"workflowStep":81,"workflow":75},"d531aebe-4bc1-4067-9799-0b32f102e61d","2026-01-30T10:30:09.8914136Z","Content Block - One Column Styled - What is hotel insurance? Why it is important?",[],"content_block___one_column_styled_heading",{"elements":185,"system":209},{"title":186,"text":188,"theme":194},{"name":134,"type":7,"value":187},"Why is insurance important for hotels?",{"images":189,"linkedItemCodenames":190,"linkedItems":191,"links":192,"name":175,"type":176,"value":193},[],[],[],[],"\u003Cp>Hotels deal with periods of high footfall and sometimes high expectations from guests. Hotel insurance is important because it helps protect your business from the financial impact of accidents, damage or disruptions beyond your control. \u003C\u002Fp>\n\u003Cp>If a guest is injured on your premises, part of your building is damaged, or an incident forces you to temporarily close, the costs can quickly add up. Without insurance, these expenses may need to be paid out of pocket. \u003C\u002Fp>\n\u003Cp>Hotel insurance also helps protects the things you rely on to run your business, such as furniture, equipment, technology and stock. With the right cover in place, it can even help to cover the loss of income if you need to temporarily stop trading due to an insured event.\u003C\u002Fp>",{"name":71,"type":15,"value":195,"linkedItems":197},[196],"content_block___theme___grey",[198],{"elements":199,"system":203},{"colour":200},{"name":201,"type":7,"value":202},"Colour","Grey",{"codename":196,"collection":75,"id":204,"language":75,"lastModified":205,"name":206,"sitemapLocations":207,"type":208,"workflowStep":81,"workflow":75},"7f21286b-86bb-4895-89e6-2a089b86b647","2024-10-21T16:46:34.480424Z","Content Block - Theme - Grey",[],"content_block___theme",{"codename":114,"collection":75,"id":210,"language":75,"lastModified":211,"name":212,"sitemapLocations":213,"type":214,"workflowStep":81,"workflow":75},"83b56dfb-fd11-4a0d-8ee6-daa0f7461d0c","2026-01-30T11:04:51.6527334Z","Content Block - One Column - Why is insurance important for hotels?",[],"content_block___one_column",{"elements":216,"system":238},{"title":217,"text":219,"theme":225},{"name":134,"type":7,"value":218},"What does hotel insurance cover?",{"images":220,"linkedItemCodenames":221,"linkedItems":222,"links":223,"name":175,"type":176,"value":224},[],[],[],[],"\u003Cp>From guest rooms to restaurant areas, we know every hotel has different facilities. And, just like every hotel is different, every insurer is different, and the one you choose may offer various cover types. At Bionic, we can help insure small hotels with the following facilities:  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Hotel grounds  \u003C\u002Fli>\n  \u003Cli>Guest rooms  \u003C\u002Fli>\n  \u003Cli>Bars  \u003C\u002Fli>\n  \u003Cli>Small restaurants \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>If your facilities are not listed, we may still be able to help. Call our knowledgeable insurance team on 0800 032 7925 to see if we can help.\u003C\u002Fp>",{"name":71,"type":15,"value":226,"linkedItems":228},[227],"content_block___theme___navy",[229],{"elements":230,"system":233},{"colour":231},{"name":201,"type":7,"value":232},"Navy",{"codename":227,"collection":75,"id":234,"language":75,"lastModified":235,"name":236,"sitemapLocations":237,"type":208,"workflowStep":81,"workflow":75},"324b67a1-399c-4efe-a4b4-791af801a4fd","2024-11-08T10:57:29.8395583Z","Content Block - Theme - Navy",[],{"codename":115,"collection":75,"id":239,"language":75,"lastModified":240,"name":241,"sitemapLocations":242,"type":214,"workflowStep":81,"workflow":75},"e57ae313-59a3-4a64-a401-45ffa1cdc09b","2026-01-30T11:08:49.4758105Z","Content Block - One Column - What does hotel insurance cover?",[],{"elements":244,"system":361},{"title":245,"text":247,"cards":253},{"name":134,"type":7,"value":246},"What’s included in a hotel package?",{"images":248,"linkedItemCodenames":249,"linkedItems":250,"links":251,"name":175,"type":176,"value":252},[],[],[],[],"\u003Cp>Every hotel business is different, so policies will vary per provider, but a hotel insurance package could include a combination of the covers below:\u003C\u002Fp>",{"name":254,"type":15,"value":255,"linkedItems":261},"Cards",[256,257,258,259,260],"employers__liability_insurance","public_liability_insurance_e3c2338","commercial_building_insurance","content_block___carousel_card___stock_and_contents","content_block___carousel_card___cover_for_guest_be",[262,284,303,322,341],{"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":134,"type":7,"value":275},"Employers’ liability insurance",{"name":175,"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":75,"id":279,"language":75,"lastModified":280,"name":281,"sitemapLocations":282,"type":283,"workflowStep":81,"workflow":75},"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":298},{"icon":286,"title":294,"text":296},{"name":265,"type":23,"value":287},[288],{"name":289,"description":290,"type":28,"size":291,"url":292,"width":272,"height":272,"renditions":293},"INS - Public.png","A group of blue people",4641,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Ff157bbc5-76dd-49f1-9d6d-ccff0c081c71\u002FINS%20-%20Public.png",{},{"name":134,"type":7,"value":295},"Public liability insurance",{"name":175,"type":7,"value":297},"In case you injure someone or damage something while providing your services. For example, slipping on a wet floor.",{"codename":257,"collection":75,"id":299,"language":75,"lastModified":300,"name":301,"sitemapLocations":302,"type":283,"workflowStep":81,"workflow":75},"e3c2338f-8198-45d0-ba34-ab5d7d09cd03","2026-06-11T12:51:55.1224463Z","Content Block - Carousel Card - Public liability insurance",[],{"elements":304,"system":317},{"icon":305,"title":313,"text":315},{"name":265,"type":23,"value":306},[307],{"name":308,"description":309,"type":28,"size":310,"url":311,"width":272,"height":272,"renditions":312},"INS - Building.png","A blue line drawing of a building",2627,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F3f9f56a6-7cef-4986-95e9-3c9399ce0e0b\u002FINS%20-%20Building.png",{},{"name":134,"type":7,"value":314},"Commercial building insurance",{"name":175,"type":7,"value":316},"To protect business premises you own, whether you're using it, renting it out or if a lease requires it",{"codename":258,"collection":75,"id":318,"language":75,"lastModified":319,"name":320,"sitemapLocations":321,"type":283,"workflowStep":81,"workflow":75},"ef91f3b0-cd6a-426c-bb03-06893d412b78","2026-07-24T15:27:06.0772099Z","Content Block - Carousel Card - Commercial building insurance",[],{"elements":323,"system":336},{"icon":324,"title":332,"text":334},{"name":265,"type":23,"value":325},[326],{"name":327,"description":328,"type":28,"size":329,"url":330,"width":272,"height":272,"renditions":331},"INS - Stock.png","A blue line drawing of boxes",4067,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F4c9f4e5d-d438-4e1a-b7e1-4186533cbbc1\u002FINS%20-%20Stock.png",{},{"name":134,"type":7,"value":333},"Stock and contents insurance",{"name":175,"type":7,"value":335},"Provides cover for stock, including food & drink supplies, against theft or damage by fire or other insured events.",{"codename":259,"collection":75,"id":337,"language":75,"lastModified":338,"name":339,"sitemapLocations":340,"type":283,"workflowStep":81,"workflow":75},"0b5b99c4-ed84-46c6-a1aa-bff5a95016b7","2026-01-06T15:22:35.4364378Z","Content Block - Carousel Card - Stock and contents - Restaurant",[],{"elements":342,"system":356},{"icon":343,"title":352,"text":354},{"name":265,"type":23,"value":344},[345],{"name":346,"description":347,"type":348,"size":349,"url":350,"width":272,"height":272,"renditions":351},"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":134,"type":7,"value":353},"Cover for guest belongings",{"name":175,"type":7,"value":355},"Varying limits, but most policies specify £50 per item in their wording. Limited cover for luggage items, but not cash.",{"codename":260,"collection":75,"id":357,"language":75,"lastModified":358,"name":359,"sitemapLocations":360,"type":283,"workflowStep":81,"workflow":75},"6d7ff6d9-0390-4cca-bfcc-f04b629ccc1f","2025-03-14T16:23:34.5087818Z","Content Block - Carousel Card - Cover for guest belongings",[],{"codename":116,"collection":75,"id":362,"language":75,"lastModified":363,"name":364,"sitemapLocations":365,"type":366,"workflowStep":81,"workflow":75},"17963230-2c44-40be-8d3b-89a7d139f725","2025-03-14T16:23:53.3238328Z","Content Block - Carousel - What’s included in a hotel package?",[],"content_block___carousel",{"elements":368,"system":390},{"title":369,"text":371,"theme":377},{"name":134,"type":7,"value":370},"How much does hotel insurance cost?",{"images":372,"linkedItemCodenames":373,"linkedItems":374,"links":375,"name":175,"type":176,"value":376},[],[],[],[],"\u003Cp>Prices could start from around £1.79 a day*\u003C\u002Fp>\n\u003Cp>The cost of hotel insurance can be different for every hotel, depending on the size of your business, where it's located, claims history and the policy you take out. This is because each business has its own set of risks and needs. \u003C\u002Fp>\n\u003Cp>A small hotel with few rooms will often pay less than a large hotel with many guests and extra facilities like a bar, restaurant, gym or swimming pool. Hotels with strong safety systems and fewer past claims could get lower premiums.\u003C\u002Fp>\n\u003Cp>Because every hotel is different, the best way to find out the cost of your hotel insurance is to speak to a member of our knowledgeable insurance team.\u003C\u002Fp>\n\u003Cp>\u003Csub>*This price is for a hotel package – 10% of customers who were sold with one of our panel providers paid £651.66 or less annually (excluding any additional administration fees) between 01\u002F01\u002F25 & 31\u002F12\u002F2025. Equivalent to £54.31 a month or £1.79 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary based on your business requirements.\u003C\u002Fsub>\u003C\u002Fp>",{"name":71,"type":15,"value":378,"linkedItems":380},[379],"content_block___theme___navy_cabc44a",[381],{"elements":382,"system":385},{"colour":383},{"name":201,"type":7,"value":384},"White",{"codename":379,"collection":75,"id":386,"language":75,"lastModified":387,"name":388,"sitemapLocations":389,"type":208,"workflowStep":81,"workflow":75},"cabc44a2-ac12-4719-bcb0-54147bebae8c","2025-04-09T16:40:53.9170775Z","Content Block - Theme - White",[],{"codename":117,"collection":75,"id":391,"language":75,"lastModified":392,"name":393,"sitemapLocations":394,"type":214,"workflowStep":81,"workflow":75},"2d1236ee-c0f9-478b-b7dc-38f873fe0288","2026-01-30T11:25:22.5181887Z","Content Block - One Column - How much does hotel insurance cost?",[],{"elements":396,"system":408},{"title":397,"text":399,"theme":405},{"name":134,"type":7,"value":398},"How can I get lower hotel insurance quotes?",{"images":400,"linkedItemCodenames":401,"linkedItems":402,"links":403,"name":175,"type":176,"value":404},[],[],[],[],"\u003Cp>You may be able to get a cheaper hotel insurance quote by taking steps that demonstrate lower risk to insurers: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Choose a comprehensive hotel insurance package \u003C\u002Fli>\n  \u003Cli>Keep your premises well-maintained \u003C\u002Fli>\n  \u003Cli>Strengthen security measures \u003C\u002Fli>\n  \u003Cli>Provide regular training for staff \u003C\u002Fli>\n  \u003Cli>Maintain a clean claims history \u003C\u002Fli>\n  \u003Cli>Check and review your cover regularly \u003C\u002Fli>\n  \u003Cli>Compare insurance quotes \u003C\u002Fli>\n\u003C\u002Ful>",{"name":71,"type":15,"value":406,"linkedItems":407},[227],[229],{"codename":118,"collection":75,"id":409,"language":75,"lastModified":410,"name":411,"sitemapLocations":412,"type":214,"workflowStep":81,"workflow":75},"95c3cc7a-d5cd-43cf-bdb7-0eabef131e82","2026-01-30T11:25:47.1219202Z","Content item - One Column - How can I get lower hotel insurance quotes?",[],{"elements":414,"system":426},{"title":415,"text":417,"theme":423},{"name":134,"type":7,"value":416},"Get hotel insurance with Bionic",{"images":418,"linkedItemCodenames":419,"linkedItems":420,"links":421,"name":175,"type":176,"value":422},[],[],[],[],"\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 talk you through the options. Our UK-based team helps business owners daily. Get in touch with us today by starting a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">business insurance comparison\u003C\u002Fa>. \u003C\u002Fp>",{"name":71,"type":15,"value":424,"linkedItems":425},[196],[198],{"codename":119,"collection":75,"id":427,"language":75,"lastModified":428,"name":429,"sitemapLocations":430,"type":214,"workflowStep":81,"workflow":75},"fd4c328a-54e7-4b0c-97f0-10ace116eb6a","2025-03-14T16:28:53.4001059Z","Content Block - One Column - Get hotel insurance with Bionic",[],{"elements":432,"system":454},{"quote_image":433,"quote_text":444,"attribution":451},{"name":434,"type":23,"value":435},"Quote Image",[436],{"name":437,"description":438,"type":28,"size":439,"url":440,"width":441,"height":442,"renditions":443},"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":445,"linkedItemCodenames":446,"linkedItems":447,"links":448,"name":449,"type":176,"value":450},[],[],[],[],"Quote Text","\u003Cp>The right hotel insurance is key for protecting your investment and guests. It's not just a safeguard — it's part of responsible hospitality.\u003C\u002Fp>",{"name":452,"type":7,"value":453},"Attribution","James Barwell, Insurance Director",{"codename":120,"collection":75,"id":455,"language":75,"lastModified":456,"name":457,"sitemapLocations":458,"type":459,"workflowStep":81,"workflow":75},"90c6667d-fe3a-4b2a-9b7e-613a469701e2","2025-03-14T16:30:56.5069908Z","Content Bloc - Quote - James Barwell - Hotel",[],"content_block___quote",{"elements":461,"system":483},{"title":462,"text":463,"cta_button_text":464,"cta_link_url":466,"tagline":468,"theme":470},{"name":134,"type":7,"value":56},{"name":175,"type":7,"value":56},{"name":49,"type":7,"value":465},"Start a quote online",{"name":52,"type":7,"value":467},"https:\u002F\u002Fbusiness-insurance.bionic.co.uk\u002F?ppcref=seogeneric",{"name":34,"type":7,"value":469},"Or speak to one of our team on 0800 032 7925",{"name":71,"type":15,"value":471,"linkedItems":473},[472],"content_block___theme___blue_b7fc496",[474],{"elements":475,"system":478},{"colour":476},{"name":201,"type":7,"value":477},"Blue",{"codename":472,"collection":75,"id":479,"language":75,"lastModified":480,"name":481,"sitemapLocations":482,"type":208,"workflowStep":81,"workflow":75},"b7fc4968-c2c4-48e1-9156-4ae5a909ec6b","2025-03-19T11:34:55.677362Z","Content Block - Theme - Blue",[],{"codename":121,"collection":75,"id":484,"language":75,"lastModified":485,"name":486,"sitemapLocations":487,"type":488,"workflowStep":81,"workflow":75},"07b7f0d1-d4fd-4b0a-8e3d-e0e2ac7a25bf","2026-01-23T17:20:23.0377362Z","Content Block - CTA - Start a quote online",[],"content_block__cta",{"elements":490,"system":526},{"title":491,"tagline":493,"title_left":495,"text_left":498,"title_middle":504,"text_middle":507,"title_right":513,"text_right":516,"cta_button_text":522,"cta_link_url":524},{"name":134,"type":7,"value":492},"How Bionic business insurance comparison works",{"name":34,"type":7,"value":494},"Compare insurance quotes in three simple steps",{"name":496,"type":7,"value":497},"Title Left","Start your quote online ",{"images":499,"linkedItemCodenames":500,"linkedItems":501,"links":502,"name":149,"type":176,"value":503},[],[],[],[],"\u003Cp>Speed up the process by submitting basic business details online – whenever you have time. \u003C\u002Fp>",{"name":505,"type":7,"value":506},"Title Middle","Speak to our UK-based team ",{"images":508,"linkedItemCodenames":509,"linkedItems":510,"links":511,"name":152,"type":176,"value":512},[],[],[],[],"\u003Cp>Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct. \u003C\u002Fp>",{"name":514,"type":7,"value":515},"Title Right","Compare tailored quotes ",{"images":517,"linkedItemCodenames":518,"linkedItems":519,"links":520,"name":155,"type":176,"value":521},[],[],[],[],"\u003Cp>Get your quotes from our panel of trusted insurers and through any questions with our team. \u003C\u002Fp>",{"name":49,"type":7,"value":523},"Compare business insurance",{"name":525,"type":7,"value":467},"CTA Link Url",{"codename":122,"collection":75,"id":527,"language":75,"lastModified":528,"name":529,"sitemapLocations":530,"type":531,"workflowStep":81,"workflow":75},"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":533,"system":587},{"title_left":534,"text_left":536,"bullet_points":542},{"name":496,"type":7,"value":535},"What do I need to get started?",{"images":537,"linkedItemCodenames":538,"linkedItems":539,"links":540,"name":149,"type":176,"value":541},[],[],[],[],"\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":543,"type":15,"value":544,"linkedItems":549},"Bullet Points",[545,546,547,548],"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",[550,560,569,578],{"elements":551,"system":554},{"text":552},{"name":175,"type":7,"value":553},"Your business name and trade ",{"codename":545,"collection":75,"id":555,"language":75,"lastModified":556,"name":557,"sitemapLocations":558,"type":559,"workflowStep":81,"workflow":75},"f5c87133-0e80-44f6-a888-59adda324773","2024-11-18T15:45:17.9673586Z","Content Block - Bullet Point Item - ins business",[],"content_block___bullet_point_item",{"elements":561,"system":564},{"text":562},{"name":175,"type":7,"value":563},"Your policy start date",{"codename":546,"collection":75,"id":565,"language":75,"lastModified":566,"name":567,"sitemapLocations":568,"type":559,"workflowStep":81,"workflow":75},"45b464f7-13cf-49ff-9d89-7624b4e6561e","2024-11-18T16:45:27.4347361Z","Content Block - Bullet Point Item - Ins Policy Date",[],{"elements":570,"system":573},{"text":571},{"name":175,"type":7,"value":572},"Your name and contact details to receive your quote options",{"codename":547,"collection":75,"id":574,"language":75,"lastModified":575,"name":576,"sitemapLocations":577,"type":559,"workflowStep":81,"workflow":75},"cc8e290d-aa14-49e6-9c47-e4efcd884c5d","2024-11-18T16:44:52.23641Z","Content Block - Bullet Point Item - Ins name and contact details",[],{"elements":579,"system":582},{"text":580},{"name":175,"type":7,"value":581},"You may be asked additional questions about business activities",{"codename":548,"collection":75,"id":583,"language":75,"lastModified":584,"name":585,"sitemapLocations":586,"type":559,"workflowStep":81,"workflow":75},"e68e6dec-964b-4032-8dd3-db7796d9098b","2024-11-18T16:46:11.6253384Z","Content Block - Bullet Point Item - Ins additional Q's",[],{"codename":123,"collection":75,"id":588,"language":75,"lastModified":589,"name":590,"sitemapLocations":591,"type":592,"workflowStep":81,"workflow":75},"e263bf42-58ca-4c8b-8463-d2c02093c67a","2026-03-16T14:49:09.7669112Z","Content Block - Bullet Points - Ins Getting Started",[],"content_block___bullet_points",{"elements":594,"system":601},{"title":595,"cta_button_text":597,"cta_link_url":599},{"name":134,"type":7,"value":596},"Businesses are happy with our customer service",{"name":49,"type":7,"value":598},"Read our customer stories",{"name":52,"type":7,"value":600},"https:\u002F\u002Fuk.trustpilot.com\u002Freview\u002Fbionic.co.uk",{"codename":124,"collection":75,"id":602,"language":75,"lastModified":603,"name":604,"sitemapLocations":605,"type":606,"workflowStep":81,"workflow":75},"0b8fe963-e21c-40d4-a3af-533d6b0a87b3","2026-05-29T11:25:35.7041053Z","Content Block - Trust Pilot: Slider Insurance",[],"content_block___trust_pilot",{"elements":608,"system":618},{"title":609,"text":610,"cta_button_text":611,"cta_link_url":613,"tagline":614,"theme":615},{"name":134,"type":7,"value":56},{"name":175,"type":7,"value":56},{"name":49,"type":7,"value":612},"Compare business insurance quotes",{"name":52,"type":7,"value":467},{"name":34,"type":7,"value":469},{"name":71,"type":15,"value":616,"linkedItems":617},[472],[474],{"codename":125,"collection":75,"id":619,"language":75,"lastModified":620,"name":621,"sitemapLocations":622,"type":488,"workflowStep":81,"workflow":75},"4bf50248-d450-4469-b947-7837eb61a5a9","2026-01-23T17:20:56.2771311Z","Content Block - CTA - Compare and save on business insurance",[],{"elements":624,"system":683},{"title":625,"tagline":627,"faq_items":628},{"name":134,"type":7,"value":626},"FAQs",{"name":34,"type":7,"value":56},{"name":629,"type":15,"value":630,"linkedItems":634},"FAQ Items",[631,632,633],"content_block___faq_item__what_exclusions_apply_","content_block___faq_item__what_cover_do_i_need_if_","content_block___faq_item___does_hotel_insurance_co",[635,653,668],{"elements":636,"system":647},{"question":637,"answer":640},{"name":638,"type":7,"value":639},"Question","What exclusions apply?",{"images":641,"linkedItemCodenames":642,"linkedItems":643,"links":644,"name":645,"type":176,"value":646},[],[],[],[],"Answer","\u003Cp>Depending on your business’s unique needs and the policy you take out, your exclusions will vary because every insurer is different. For full details of exclusions on your insurance policy, please refer to the policy schedule you received or ask a member of our knowledgeable insurance team. \u003C\u002Fp>",{"codename":631,"collection":75,"id":648,"language":75,"lastModified":649,"name":650,"sitemapLocations":651,"type":652,"workflowStep":81,"workflow":75},"08ecff71-1b44-4685-8944-d88c13938a6d","2026-01-30T11:18:08.1558497Z","Content Block - FAQ Item: What exclusions apply?",[],"content_block___faq_item",{"elements":654,"system":663},{"question":655,"answer":657},{"name":638,"type":7,"value":656},"What cover do I need if a guest is injured at my hotel?",{"images":658,"linkedItemCodenames":659,"linkedItems":660,"links":661,"name":645,"type":176,"value":662},[],[],[],[],"\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fpublic-liability-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Public liability insurance\u003C\u002Fa> can help protect your business if a guest accidentally suffers an injury or harm when staying at your hotel. This also helps cover you for non-guests who are just visiting your property, but make sure you inform your broker that not all people visiting your hotel will be guests. For example, if you have a restaurant open to the public as well as guests. This isn't unusual, but insurers need to be aware of it. \u003C\u002Fp>",{"codename":632,"collection":75,"id":664,"language":75,"lastModified":665,"name":666,"sitemapLocations":667,"type":652,"workflowStep":81,"workflow":75},"8acc5b84-309b-45dc-b64e-4c29299400e5","2026-01-30T11:20:02.5787074Z","Content Block - FAQ Item: What cover do I need if a guest is injured at my hotel",[],{"elements":669,"system":678},{"question":670,"answer":672},{"name":638,"type":7,"value":671},"Does hotel insurance cover damages by guests? ",{"images":673,"linkedItemCodenames":674,"linkedItems":675,"links":676,"name":645,"type":176,"value":677},[],[],[],[],"\u003Cp>Guests can sometimes cause damage to your rooms or grounds. If damage is accidental and reported by the hotel guest, the hotel should be able to claim under their policy. But limits and exclusions apply, you should always check your policy wording and confirm with your broker that this cover is included. \u003C\u002Fp>",{"codename":633,"collection":75,"id":679,"language":75,"lastModified":680,"name":681,"sitemapLocations":682,"type":652,"workflowStep":81,"workflow":75},"c099ca96-2582-4b54-89e2-c6a4632029bc","2026-01-30T11:21:57.3569386Z","Content Block - FAQ Item - Does hotel insurance cover damages by guests?",[],{"codename":126,"collection":75,"id":684,"language":75,"lastModified":685,"name":686,"sitemapLocations":687,"type":688,"workflowStep":81,"workflow":75},"9d8f9ad5-c800-4b57-8dec-b82851dbe216","2026-01-30T11:20:51.7448555Z","Content Block - FAQ - Hotel Insurance FAQs",[],"content_block___faq",{"elements":690,"system":1226},{"title":691,"cta_button_text":693,"cta_link_url":695,"guides":697},{"name":134,"type":7,"value":692},"Our team shares essential knowledge on business insurance",{"name":49,"type":7,"value":694},"View all business insurance guides",{"name":525,"type":7,"value":696},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002F",{"name":698,"type":15,"value":699,"linkedItems":704},"Guides",[700,701,702,703],"insurance_guide___5_common_mistakes","insurnce_guide___brokers___a_step_by_step_guide_to","insurance_guide___brokers___buying_insurance_for_t","untitled_content_item_1e7a4b2",[705,861,1073,1154],{"elements":706,"system":856},{"post__title":707,"post__summary":709,"post__content":712,"post__author":778,"post__reviewer":783,"publish_date":788,"updated_date":793,"url":795,"seo__meta_title":798,"seo__meta_description":801,"seo__add_no_index_tag":804,"seo__canonical_url":811,"related_articles":814,"categories":818,"subfolder":823,"tags":827,"thumbnail_image":831,"show_on_index_page":838,"hide_author":844,"hide_reviewer":848,"hide_tags":852},{"name":134,"type":7,"value":708},"Business advice: 5 common mistakes to avoid when selecting business insurance ",{"name":710,"type":7,"value":711},"Summary","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.",{"images":713,"linkedItemCodenames":729,"linkedItems":734,"links":775,"name":776,"type":176,"value":777},[714,720,725],{"description":715,"imageId":716,"url":717,"height":718,"width":719},"Man sat in a chair next to a laptop holding papers with his head in his hand","6ec9bbb4-a00d-41ff-9b6c-9c82ef40abc6","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F496bf052-da2c-43b6-bc91-94074fd48608\u002FGettyImages-1449151429%20%281%29.jpg",1414,2121,{"description":721,"imageId":722,"url":723,"height":724,"width":718},"Statement of Fact Example part 1","2f82ec4f-d801-42b5-b59f-ac5a2a397ee0","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F4543a755-aad7-4535-b163-8fcbbd93439c\u002F3%20%281%29.jpg",2000,{"description":726,"imageId":727,"url":728,"height":724,"width":718},"Statement of Fact Example part 2","7491c6f2-a793-4591-bab1-94092b45f7ad","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F12ab51bc-27c6-4710-9c75-e031fa6c9d33\u002F4%20%281%29.jpg",[730,731,732,733],"n0d955b3d_cbff_015c_7e3e_bf0057ec66dc","n49af3b7d_ae5f_018d_0fbe_b9ea1ac0c5ab","n18331fca_55cb_0181_e523_018c2c80be22","c942269e_d470_0164_e9b1_179719c14712",[735,748,757,766],{"elements":736,"system":742},{"text":737,"anchor_id":739},{"name":175,"type":7,"value":738},"Do small businesses need insurance?",{"name":740,"type":7,"value":741},"Anchor ID","do-small-businesses-need-insurance",{"codename":730,"collection":75,"id":743,"language":75,"lastModified":744,"name":743,"sitemapLocations":745,"type":746,"workflowStep":747,"workflow":747},"0d955b3d-cbff-015c-7e3e-bf0057ec66dc","2025-07-02T10:08:33.6434458Z",[],"anchor_tag",null,{"elements":749,"system":754},{"text":750,"anchor_id":752},{"name":175,"type":7,"value":751},"What happens if you have the incorrect business insurance?",{"name":740,"type":7,"value":753},"what-happens-if-you-have-the-incorrect-business-insurance",{"codename":731,"collection":75,"id":755,"language":75,"lastModified":744,"name":755,"sitemapLocations":756,"type":746,"workflowStep":747,"workflow":747},"49af3b7d-ae5f-018d-0fbe-b9ea1ac0c5ab",[],{"elements":758,"system":763},{"text":759,"anchor_id":761},{"name":175,"type":7,"value":760},"5 common mistakes to avoid when choosing business insurance",{"name":740,"type":7,"value":762},"5-common-mistakes-to-avoid-when-choosing-business-insurance \n",{"codename":732,"collection":75,"id":764,"language":75,"lastModified":744,"name":764,"sitemapLocations":765,"type":746,"workflowStep":747,"workflow":747},"18331fca-55cb-0181-e523-018c2c80be22",[],{"elements":767,"system":771},{"video":768},{"name":769,"type":7,"value":770},"Youtube Video","vRMW_ETZn6U",{"codename":733,"collection":75,"id":772,"language":75,"lastModified":744,"name":772,"sitemapLocations":773,"type":774,"workflowStep":747,"workflow":747},"c942269e-d470-0164-e9b1-179719c14712",[],"video_tag",[],"Content","\u003Cp>Do you know which business insurance policies \u003Cem>are\u003C\u002Fem> a legal requirement and which are \u003Cem>not\u003C\u002Fem>?  \u003C\u002Fp>\n\u003Cp>Are you aware of the value of business interruption insurance for small businesses? These are just some of the questions you should ask yourself when arranging insurance for your small business. \u003C\u002Fp>\n\u003Cp>No one wants to spend their Friday afternoon sorting out cover — but by neglecting it — things can easily go wrong! To avoid a business insurance horror story, learn the 5 common mistakes when selecting business insurance and educate yourself on how it works by reading our handy guide.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"6ec9bbb4-a00d-41ff-9b6c-9c82ef40abc6\" data-image-id=\"6ec9bbb4-a00d-41ff-9b6c-9c82ef40abc6\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F496bf052-da2c-43b6-bc91-94074fd48608\u002FGettyImages-1449151429%20%281%29.jpg\" data-asset-id=\"6ec9bbb4-a00d-41ff-9b6c-9c82ef40abc6\" data-image-id=\"6ec9bbb4-a00d-41ff-9b6c-9c82ef40abc6\" alt=\"Man sat in a chair next to a laptop holding papers with his head in his hand\">\u003C\u002Ffigure>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n0d955b3d_cbff_015c_7e3e_bf0057ec66dc\">\u003C\u002Fobject>\n\u003Ch2>Do small businesses need insurance? \u003C\u002Fh2>\n\u003Cp>Yes — two types of business insurance are a legal requirement in certain circumstances: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Employers’ liability insurance\u003C\u002Fstrong> - If you have one or more employees who \u003Cstrong>are not immediate family members.\u003C\u002Fstrong> \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Business motor insurance\u003C\u002Fstrong> - If you use a vehicle for business purposes. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>While other types of insurance aren’t a legal requirement, some are\u003Cstrong> essential.\u003C\u002Fstrong> Any small business with a store should consider taking out public liability insurance as a minimum. This covers your back in case a customer injures themselves on your property and they make a claim against you. \u003C\u002Fp>\n\u003Cp>While \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbusiness-interruption-insurance\u002F\">business interruption insurance\u003C\u002Fa> is key for protecting your income or profit in case disaster strikes and, for some reason, you can’t operate.\u003C\u002Fp>\n\u003Ch2>Why is it important to select the right business insurance? \u003C\u002Fh2>\n\u003Cp>Mistakes and accidents are bound to happen when running a small business, no matter what type of business you own. For example:  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>A new employee gives out the wrong legal advice to a client, which they action \u003C\u002Fli>\n  \u003Cli>A supplier provides you with a faulty pet toy which causes dogs to choke \u003C\u002Fli>\n  \u003Cli>A customer gets a nasty face rash after you dye their hair  \u003C\u002Fli>\n  \u003Cli>A \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fprepare-your-business-for-storms-floods-and-bad-weather\u002F\">bad storm damages your electricity\u003C\u002Fa>, and you can’t operate your business \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Having the correct cover limits in place protects you against unexpected risks and reduces the likelihood you’ll have to pay anythingof having to pay more than an excess if you have to claim. Policies vary per insurer, and limits and exclusions always apply.\u003C\u002Fp>\n\u003Cp>If you have a broker and insurer on board, they can help deal with the paperwork and claims process so you can focus on the day-to-day running of your business without having to worry about paying out large sums or even ending up in court. \u003C\u002Fp>\n\u003Cp>Having sufficient cover gives you peace of mind and protects employees, partners, customers and your business.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n49af3b7d_ae5f_018d_0fbe_b9ea1ac0c5ab\">\u003C\u002Fobject>\n\u003Ch2>What happens if you have the incorrect business insurance? \u003C\u002Fh2>\n\u003Cp>According to Allianz, \u003Ca href=\"https:\u002F\u002Fwww.allianz.co.uk\u002Fnews-and-insight\u002Finsight-and-expertise\u002Funderinsurance-a-big-issue-for-small-businesses.html#:~:text=year%201%20and%20over%20the,estimated%20around%2080%25%20are%20underinsured.\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">51% of businesses have stopped buying at least one type of cover\u003C\u002Fa>. And if you don’t even take out the legal requirements, let alone the essential cover you might need for your business — you risk being uninsured. \u003C\u002Fp>\n\u003Cp>So if you need to make a claim on your business insurance policy — or a claim is made against you — you might not be covered. This could leave you having to pay out compensation, legal fees or more from your own pocket. \u003C\u002Fp>\n\u003Cp>Depending on your business — suppliers, partners or clients may not work with you if you don’t have the right cover in place in case something goes wrong. It’s a risk some just aren’t willing to take! \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n18331fca_55cb_0181_e523_018c2c80be22\">\u003C\u002Fobject>\n\u003Ch2>Can you cancel your business insurance?\u003C\u002Fh2>\n\u003Cp>It's important to note that each insurer and policy is different so you need to check your policy wording to see if you can cancel your contract. Watch our video below where our Insurance Team Leader, Charlie Hart has more information.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"c942269e_d470_0164_e9b1_179719c14712\">\u003C\u002Fobject>\n\u003Ch2>5 common mistakes to avoid when choosing business insurance \u003C\u002Fh2>\n\u003Cp>Whether you’ve just started a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fblog\u002Fwhat-makes-a-micro-business-owner\u002F\">microbusiness\u003C\u002Fa>, or been running a SME for a while – make sure you don’t run into these mistakes when it comes to selecting your business insurance. \u003C\u002Fp>\n\u003Ch3>Not assessing business risk properly \u003C\u002Fh3>\n\u003Cp>When it comes to risks — not understanding the full extent of them in your business could end up costing you in the long run.  \u003C\u002Fp>\n\u003Cp>Every risk should be assessed, identifying the hazards and who might be harmed, and putting in place precautions to limit risks.  \u003C\u002Fp>\n\u003Cp>Risk assessments are a legal requirement; not only do you need to know the scope of risks across your business for insurance purposes, but also in the interest of public \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fhealth-and-safety-at-work\u002F\">health and safety\u003C\u002Fa>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fhealth-and-safety-at-work\u002F\">.\u003C\u002Fa> \u003C\u002Fp>\n\u003Cp>If you don’t know the scope of the risks, you may inform your insurer incorrectly and, therefore, risk being underinsured. Even worse, if a claim is made against you, you might not be protected because you don’t have the right cover. \u003C\u002Fp>\n\u003Cp>\u003Cem>Imagine you run a grocery store, and after three years of trading, you run into a really bad storm and your roof leaks and damages hundreds of pounds worth of stock. You look to claim on your insurance policy, but when an inspection is carried out, you learn that part of your roof is flat and made of timber. You’re told your insurance policy is void because you didn’t declare that your roof is flat or made of any material other than concrete. You are then left to foot all the costs yourself — and your insurance policy is voided.\u003C\u002Fem> \u003C\u002Fp>\n\u003Cp>It’s key you declare the correct details to your insurer broker to avoid issues down the line. See our detailed guide to \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fblog\u002Fsmall-business-risk-management-guide\u002F\">risk management for small businesses\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch3>Choosing cover only based on price \u003C\u002Fh3>\n\u003Cp>We know business owners love a deal — but when it comes to insurance, price isn’t the only thing you should consider. If you do a quick check online for a business insurance quote, chances are, you’re not getting an accurate quote that will sufficiently cover your business. \u003C\u002Fp>\n\u003Cp>Every business is unique — down to trade, number of employees, building and location. That’s why you need to go through a number of questions with a broker to ensure your cover meets your needs.  \u003C\u002Fp>\n\u003Cp>At Bionic, we don’t compromise on quality when arranging business insurance. While we want to help you get the best deal, we also want to make sure our customers are sufficiently insured. \u003C\u002Fp>\n\u003Cp>Start a quote online today and our knowledgeable insurance team will be on hand to help guide you through the process. \u003C\u002Fp>\n\u003Ch3>Not checking documentation \u003C\u002Fh3>\n\u003Cp>When you organise your business insurance, you’ll be sent a number of documents from your broker and\u002For insurer. No one likes to read the fine print, but it’s important you check everything you’ve stated and your policy is correct. \u003C\u002Fp>\n\u003Cp>As part of this, your broker should send you a ‘Statement of Fact’ document, which includes everything you have stated including claims history and company details. You will also receive a policy schedule which includes – excesses and optional extras, exclusions and limits.   \u003C\u002Fp>\n\u003Ch4>Example of a statement of fact letter in insurance \u003C\u002Fh4>\n\u003Cp>Below is the start of a statement of fact letter, including the business details declared and cover details. The full document is normally several pages long and is sent via a PDF to you after organising your insurance. \u003C\u002Fp>\n\u003Cp>When checking your statement of fact letter, if you spot something is incorrect — tell your broker immediately. Remember, if your business details aren’t correct and you need to claim — you risk your policy being void.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"2f82ec4f-d801-42b5-b59f-ac5a2a397ee0\" data-image-id=\"2f82ec4f-d801-42b5-b59f-ac5a2a397ee0\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F4543a755-aad7-4535-b163-8fcbbd93439c\u002F3%20%281%29.jpg\" data-asset-id=\"2f82ec4f-d801-42b5-b59f-ac5a2a397ee0\" data-image-id=\"2f82ec4f-d801-42b5-b59f-ac5a2a397ee0\" alt=\"Statement of Fact Example part 1\">\u003C\u002Ffigure>\n\u003Cfigure data-asset-id=\"7491c6f2-a793-4591-bab1-94092b45f7ad\" data-image-id=\"7491c6f2-a793-4591-bab1-94092b45f7ad\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F12ab51bc-27c6-4710-9c75-e031fa6c9d33\u002F4%20%281%29.jpg\" data-asset-id=\"7491c6f2-a793-4591-bab1-94092b45f7ad\" data-image-id=\"7491c6f2-a793-4591-bab1-94092b45f7ad\" alt=\"Statement of Fact Example part 2\">\u003C\u002Ffigure>\n\u003Ch3>Ignoring the reputation of insurance providers \u003C\u002Fh3>\n\u003Cp>There are so many insurance providers out there — how can you be sure you can trust them? At Bionic, we work with large insurance providers, but also small specialist providers  — but we only work with providers we trust.  \u003C\u002Fp>\n\u003Cp>Before agreeing to a contract with a provider — whether using Bionic or not —- it’s best to check the reputation of the insurer. You can check \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fwhat-are-business-insurance-reviews\u002F\">business insurance reviews\u003C\u002Fa> on sites like Feefo, and Trustpilot but also industry-specific platforms like \u003Ca href=\"https:\u002F\u002Fwww.defaqto.com\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">defaqto \u003C\u002Fa>(financial services). \u003C\u002Fp>\n\u003Cp>And if you’ve never heard of them or you’re hesitant, speak to your broker to learn more about them to put any worries at ease. \u003C\u002Fp>\n\u003Ch3>Reviewing your business insurance without a broker \u003C\u002Fh3>\n\u003Cp>Brokers tend to get a bad rep — but most of them do have good intentions and want to help customers. Brokers are knowledgeable, know many different insurers and know which questions to ask to ensure you get an accurate quote.  \u003C\u002Fp>\n\u003Cp>When it comes to renewing your policies, a broker can assess your business needs and talk you through your options.\u003C\u002Fp>\n\u003Ch2>How often should you review your business insurance cover? \u003C\u002Fh2>\n\u003Cp>You should review your insurance cover with your broker at least once a year to check it still meets your needs. But you also should review your cover in the event of any of these situations: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>You’ve moved business premises \u003C\u002Fli>\n  \u003Cli>Brought on any new suppliers, partners \u003C\u002Fli>\n  \u003Cli>Had a hiring spree \u003C\u002Fli>\n  \u003Cli>Started new products or serves \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>What should you do if your business expands?  \u003C\u002Fh2>\n\u003Cp>Growing your business is rewarding! And businesses can expand in different ways — whether that’s hiring more staff or opening up a second shop.  \u003C\u002Fp>\n\u003Cp>But remember, major business changes can affect the validity of your existing business insurance policy. For example, if you don’t declare you have a second shop, then it won’t be insured at all! \u003C\u002Fp>\n\u003Cp>Always contact your broker for help amending your policy to ensure you’re covered as your business grows! \u003C\u002Fp>\n\u003Cp>Find more about trade-specific insurance packages, including \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Ftrade-tradesman\u002F\">trade insurance\u003C\u002Fa>, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fshop\u002F\">shop insurance\u003C\u002Fa> with Bionic today.\u003C\u002Fp>\n\u003Ch2>How can you find the balance between insurance costs and cover? \u003C\u002Fh2>\n\u003Cp>Adding more cover to your insurance cover can start to add up in cost. So how can you ensure you’re not overpaying for insurance you don’t need? \u003C\u002Fp>\n\u003Cp>As a business owner, we know you’re busy — but educating yourself on the types of business insurance there are is one of the best things you can do to avoid being over or undersold. Once you understand each type of cover, you can apply it to your specific business and see if it needs it. \u003C\u002Fp>\n\u003Cp>Speak to a reputable broker for advice on what you need. Many brokers offer business or trade-specific packages designed to make it easier for you to get a quote. But even businesses within the same trade are different so make sure to speak to a broker before buying an off-the-shelf product online. \u003C\u002Fp>\n\u003Ch2>Avoid mistakes — compare, switch and renew with Bionic \u003C\u002Fh2>\n\u003Cp>A great price shouldn’t mean quality suffers — our insurance team at Bionic knows how to ask the right questions to find the insurance package that fits. We only work with a panel of trusted insurance providers, so you can relax knowing we’ll get it sorted for you. Find out more, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\">compare business insurance\u003C\u002Fa> and start a quote online today.\u003C\u002Fp>\n\u003Cp>And when it comes to renewing, we can assist you through the process. Bionic also arrange other business essentials, including \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002F\">business energy\u003C\u002Fa>, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002F\">business phone and broadband\u003C\u002Fa> and \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-finance\u002F\">business loans\u003C\u002Fa>. Get in touch today and start a quote online. \u003C\u002Fp>",{"name":779,"type":15,"value":780,"linkedItems":782},"Author",[781],"author___laura_court_jones",[],{"name":784,"type":15,"value":785,"linkedItems":787},"Reviewer",[786],"author___ollie_barrett",[],{"name":789,"type":790,"value":791,"displayTimeZone":792},"Publish Date","date_time","2024-05-02T09:00:00Z","Europe\u002FLondon",{"name":794,"type":790,"value":747,"displayTimeZone":747},"Updated Date",{"name":796,"type":11,"value":797},"URL","5-common-mistakes-to-avoid-when-selecting-business-insurance\u002F",{"name":799,"type":7,"value":800},"Meta title","5 Common Mistakes To Avoid When Selecting Business Insurance | Bionic",{"name":802,"type":7,"value":803},"Meta description","Mistakes are bound to happen when running a small business. But if you can, it's best to avoid messing up your business insurance details - it could result in a headache later on.",{"name":805,"type":806,"value":807},"Add no index tag","multiple_choice",[808],{"name":809,"codename":810},"No","no",{"name":812,"type":7,"value":813},"Canonical URL","https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002F5-common-mistakes-to-avoid-when-selecting-business-insurance\u002F",{"name":815,"type":15,"value":816,"linkedItems":817},"Related Articles",[],[],{"name":819,"type":15,"value":820,"linkedItems":822},"Categories",[821],"category___business_insurance_guide",[],{"name":824,"type":15,"value":825,"linkedItems":826},"Subfolder",[],[],{"name":828,"type":15,"value":829,"linkedItems":830},"Tags",[],[],{"name":832,"type":23,"value":833},"Thumbnail Image",[834],{"name":835,"description":715,"type":348,"size":836,"url":717,"width":719,"height":718,"renditions":837},"GettyImages-1449151429 (1).jpg",200295,{},{"name":839,"type":806,"value":840},"Show on index page",[841],{"name":842,"codename":843},"Yes","yes",{"name":845,"type":806,"value":846},"Hide Author",[847],{"name":809,"codename":810},{"name":849,"type":806,"value":850},"Hide Reviewer",[851],{"name":809,"codename":810},{"name":853,"type":806,"value":854},"Hide Tags",[855],{"name":842,"codename":843},{"codename":700,"collection":75,"id":857,"language":75,"lastModified":744,"name":858,"sitemapLocations":859,"type":860,"workflowStep":81,"workflow":75},"86c11aa3-a514-478b-8266-8df01adcfb99","INSURANCE GUIDE - 5 common mistakes",[],"guide",{"elements":862,"system":1069},{"post__title":863,"post__summary":865,"post__content":867,"post__author":1018,"post__reviewer":1021,"publish_date":1024,"updated_date":1026,"url":1027,"seo__meta_title":1029,"seo__meta_description":1031,"seo__add_no_index_tag":1033,"seo__canonical_url":1036,"related_articles":1038,"categories":1041,"subfolder":1044,"tags":1048,"thumbnail_image":1051,"show_on_index_page":1057,"hide_author":1060,"hide_reviewer":1063,"hide_tags":1066},{"name":134,"type":7,"value":864},"A step-by-step guide to working with a business insurance broker",{"name":710,"type":7,"value":866},"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":868,"linkedItemCodenames":875,"linkedItems":890,"links":1016,"name":776,"type":176,"value":1017},[869],{"description":870,"imageId":871,"url":872,"height":873,"width":874},"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,[876,877,878,879,880,881,882,883,884,885,886,887,888,889],"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",[891,901,908,917,926,935,944,953,962,971,980,989,998,1007],{"elements":892,"system":896},{"sound_cloud_id":893},{"name":894,"type":7,"value":895},"Sound Cloud ID","2242537154",{"codename":876,"collection":75,"id":897,"language":75,"lastModified":898,"name":897,"sitemapLocations":899,"type":900,"workflowStep":747,"workflow":747},"4f97319b-a2f7-01aa-f28e-ba41d475dbe8","2026-01-06T11:01:43.2871159Z",[],"sound_cloud",{"elements":902,"system":905},{"video":903},{"name":769,"type":7,"value":904},"w02FKUS8ZII",{"codename":877,"collection":75,"id":906,"language":75,"lastModified":898,"name":906,"sitemapLocations":907,"type":774,"workflowStep":747,"workflow":747},"4f88bd1e-d4b8-013e-5a95-67a7e59ff6f4",[],{"elements":909,"system":914},{"text":910,"anchor_id":912},{"name":175,"type":7,"value":911},"What is a business insurance broker and why use one? ",{"name":740,"type":7,"value":913},"what-is-a-business-insurance-broker-and-why-use-one",{"codename":878,"collection":75,"id":915,"language":75,"lastModified":898,"name":915,"sitemapLocations":916,"type":746,"workflowStep":747,"workflow":747},"29f09511-2504-01a6-51e2-bc50ad81b499",[],{"elements":918,"system":923},{"text":919,"anchor_id":921},{"name":175,"type":7,"value":920},"How do I find and choose the right business insurance broker?",{"name":740,"type":7,"value":922},"how-do-i-find-and-choose-the-right-business-insurance-broker",{"codename":879,"collection":75,"id":924,"language":75,"lastModified":898,"name":924,"sitemapLocations":925,"type":746,"workflowStep":747,"workflow":747},"cad2d966-191b-01f0-34e1-80a9af5adf8c",[],{"elements":927,"system":932},{"text":928,"anchor_id":930},{"name":175,"type":7,"value":929},"Questions to ask before choosing a broker",{"name":740,"type":7,"value":931},"questions-to-ask-before-choosing-a-broker",{"codename":880,"collection":75,"id":933,"language":75,"lastModified":898,"name":933,"sitemapLocations":934,"type":746,"workflowStep":747,"workflow":747},"b0fe8a1a-32dd-0144-5b5a-70e8a597c2a2",[],{"elements":936,"system":941},{"text":937,"anchor_id":939},{"name":175,"type":7,"value":938},"What information does a broker need from my business?",{"name":740,"type":7,"value":940},"what-information-does-a-broker-need-from-my-business",{"codename":881,"collection":75,"id":942,"language":75,"lastModified":898,"name":942,"sitemapLocations":943,"type":746,"workflowStep":747,"workflow":747},"f1ebeb93-483d-0192-b691-1399529d6a78",[],{"elements":945,"system":950},{"text":946,"anchor_id":948},{"name":175,"type":7,"value":947},"What happens if my business has unusual risks",{"name":740,"type":7,"value":949},"what-happens-if-my-business-has-unusual-risks",{"codename":882,"collection":75,"id":951,"language":75,"lastModified":898,"name":951,"sitemapLocations":952,"type":746,"workflowStep":747,"workflow":747},"30fc9004-c12c-0169-53d6-9b80e37c59f6",[],{"elements":954,"system":959},{"text":955,"anchor_id":957},{"name":175,"type":7,"value":956},"How does the quote process work with a broker?",{"name":740,"type":7,"value":958},"how-does-the-quote-process-work-with-a-broker",{"codename":883,"collection":75,"id":960,"language":75,"lastModified":898,"name":960,"sitemapLocations":961,"type":746,"workflowStep":747,"workflow":747},"5ce29ae9-eb3c-019b-096c-8043777f1968",[],{"elements":963,"system":968},{"text":964,"anchor_id":966},{"name":175,"type":7,"value":965},"What should I check before accepting a policy?",{"name":740,"type":7,"value":967},"what-should-i-check-before-accepting-a-policy",{"codename":884,"collection":75,"id":969,"language":75,"lastModified":898,"name":969,"sitemapLocations":970,"type":746,"workflowStep":747,"workflow":747},"d83d3578-9bdc-0169-86f8-97702d32c3b3",[],{"elements":972,"system":977},{"text":973,"anchor_id":975},{"name":175,"type":7,"value":974},"How much do brokers charge, and how are they paid?",{"name":740,"type":7,"value":976},"how-much-do-brokers-charge-and-how-are-they-paid",{"codename":885,"collection":75,"id":978,"language":75,"lastModified":898,"name":978,"sitemapLocations":979,"type":746,"workflowStep":747,"workflow":747},"fad3a51a-8b2a-018c-f861-ce792e0004ea",[],{"elements":981,"system":986},{"text":982,"anchor_id":984},{"name":175,"type":7,"value":983},"What happens when it’s time to renew?",{"name":740,"type":7,"value":985},"what-happens-when-its-time-to-renew",{"codename":886,"collection":75,"id":987,"language":75,"lastModified":898,"name":987,"sitemapLocations":988,"type":746,"workflowStep":747,"workflow":747},"5c2aba3f-52f7-01ce-d6ee-1af7b06035a7",[],{"elements":990,"system":995},{"text":991,"anchor_id":993},{"name":175,"type":7,"value":992},"Common mistakes when working with a broker",{"name":740,"type":7,"value":994},"common-mistakes-when-working-with-a-broker",{"codename":887,"collection":75,"id":996,"language":75,"lastModified":898,"name":996,"sitemapLocations":997,"type":746,"workflowStep":747,"workflow":747},"de398d25-e68a-01c3-3e4d-8ce889084e8f",[],{"elements":999,"system":1004},{"text":1000,"anchor_id":1002},{"name":175,"type":7,"value":1001},"Can I arrange other business services with a broker?",{"name":740,"type":7,"value":1003},"can-i-arrange-other-business-services-with-a-broker",{"codename":888,"collection":75,"id":1005,"language":75,"lastModified":898,"name":1005,"sitemapLocations":1006,"type":746,"workflowStep":747,"workflow":747},"a85b6af0-1f75-015d-3086-c63af75f75ab",[],{"elements":1008,"system":1013},{"text":1009,"anchor_id":1011},{"name":175,"type":7,"value":1010},"Building a long-term relationship with your broker",{"name":740,"type":7,"value":1012},"Building-a-long-term-relationship-with-your-broker",{"codename":889,"collection":75,"id":1014,"language":75,"lastModified":898,"name":1014,"sitemapLocations":1015,"type":746,"workflowStep":747,"workflow":747},"429f82f1-db5f-0196-f5ec-4b1e512b890a",[],[],"\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":779,"type":15,"value":1019,"linkedItems":1020},[781],[],{"name":784,"type":15,"value":1022,"linkedItems":1023},[786],[],{"name":789,"type":790,"value":1025,"displayTimeZone":792},"2025-12-11T09:03:00Z",{"name":794,"type":790,"value":747,"displayTimeZone":792},{"name":796,"type":11,"value":1028},"working-with-a-business-insurance-broker\u002F",{"name":799,"type":7,"value":1030},"Working with a business insurance broker: A step-by-step guide",{"name":802,"type":7,"value":1032},"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":805,"type":806,"value":1034},[1035],{"name":809,"codename":810},{"name":812,"type":7,"value":1037},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fworking-with-a-business-insurance-broker\u002F",{"name":815,"type":15,"value":1039,"linkedItems":1040},[],[],{"name":819,"type":15,"value":1042,"linkedItems":1043},[821],[],{"name":824,"type":15,"value":1045,"linkedItems":1047},[1046],"insurance_subfolder___brokers",[],{"name":828,"type":15,"value":1049,"linkedItems":1050},[],[],{"name":832,"type":23,"value":1052},[1053],{"name":1054,"description":870,"type":348,"size":1055,"url":872,"width":874,"height":873,"renditions":1056},"Working with a broker (1).jpg",151029,{},{"name":839,"type":806,"value":1058},[1059],{"name":842,"codename":843},{"name":845,"type":806,"value":1061},[1062],{"name":809,"codename":810},{"name":849,"type":806,"value":1064},[1065],{"name":809,"codename":810},{"name":853,"type":806,"value":1067},[1068],{"name":842,"codename":843},{"codename":701,"collection":75,"id":1070,"language":75,"lastModified":898,"name":1071,"sitemapLocations":1072,"type":860,"workflowStep":81,"workflow":75},"8068f267-7f83-462c-91e2-bd40727d3eb0","INSURANCE GUIDE - BROKERS - A step-by-step guide to working with a business insurance broker",[],{"elements":1074,"system":1150},{"post__title":1075,"post__summary":1077,"post__content":1079,"post__author":1098,"post__reviewer":1101,"publish_date":1105,"updated_date":1107,"url":1108,"seo__meta_title":1110,"seo__meta_description":1112,"seo__add_no_index_tag":1114,"seo__canonical_url":1117,"related_articles":1119,"categories":1122,"subfolder":1125,"tags":1128,"thumbnail_image":1132,"show_on_index_page":1138,"hide_author":1141,"hide_reviewer":1144,"hide_tags":1147},{"name":134,"type":7,"value":1076},"First time buying business insurance with a broker? Q&A with Ollie Barrett",{"name":710,"type":7,"value":1078},"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":1080,"linkedItemCodenames":1085,"linkedItems":1087,"links":1096,"name":776,"type":176,"value":1097},[1081],{"description":1082,"imageId":1083,"url":1084,"height":873,"width":874},"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",[1086],"n7f8b02bb_fecd_0199_f69e_f3c4c6fc88fa",[1088],{"elements":1089,"system":1092},{"sound_cloud_id":1090},{"name":894,"type":7,"value":1091},"2263550132",{"codename":1086,"collection":75,"id":1093,"language":75,"lastModified":1094,"name":1093,"sitemapLocations":1095,"type":900,"workflowStep":747,"workflow":747},"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":779,"type":15,"value":1099,"linkedItems":1100},[786],[],{"name":784,"type":15,"value":1102,"linkedItems":1104},[1103],"untitled_content_item_d332501",[],{"name":789,"type":790,"value":1106,"displayTimeZone":792},"2026-01-30T09:00:00Z",{"name":794,"type":790,"value":747,"displayTimeZone":792},{"name":796,"type":11,"value":1109},"first-time-buying-business-insurance-qa-ollie-barrett\u002F",{"name":799,"type":7,"value":1111},"First time buying business insurance? Q&A with Ollie Barrett",{"name":802,"type":7,"value":1113},"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":805,"type":806,"value":1115},[1116],{"name":809,"codename":810},{"name":812,"type":7,"value":1118},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Ffirst-time-buying-business-insurance-qa-ollie-barrett\u002F",{"name":815,"type":15,"value":1120,"linkedItems":1121},[],[],{"name":819,"type":15,"value":1123,"linkedItems":1124},[821],[],{"name":824,"type":15,"value":1126,"linkedItems":1127},[1046],[],{"name":828,"type":15,"value":1129,"linkedItems":1131},[1130],"tag___business_insurance",[],{"name":832,"type":23,"value":1133},[1134],{"name":1135,"description":1082,"type":348,"size":1136,"url":1084,"width":874,"height":873,"renditions":1137},"First time buying insurance (1).jpg",129390,{},{"name":839,"type":806,"value":1139},[1140],{"name":842,"codename":843},{"name":845,"type":806,"value":1142},[1143],{"name":809,"codename":810},{"name":849,"type":806,"value":1145},[1146],{"name":809,"codename":810},{"name":853,"type":806,"value":1148},[1149],{"name":842,"codename":843},{"codename":702,"collection":75,"id":1151,"language":75,"lastModified":1094,"name":1152,"sitemapLocations":1153,"type":860,"workflowStep":81,"workflow":75},"02c513ee-e2a6-43f3-8569-69b1abb2b6b5","INSURANCE GUIDE - BROKERS - Buying insurance for the first time? Q&A with Ollie Barrett",[],{"elements":1155,"system":1221},{"post__title":1156,"post__summary":1158,"post__content":1160,"post__author":1170,"post__reviewer":1173,"publish_date":1176,"updated_date":1179,"url":1180,"seo__meta_title":1182,"seo__meta_description":1184,"seo__add_no_index_tag":1186,"seo__canonical_url":1189,"related_articles":1191,"categories":1194,"subfolder":1197,"tags":1200,"thumbnail_image":1203,"show_on_index_page":1209,"hide_author":1212,"hide_reviewer":1215,"hide_tags":1218},{"name":134,"type":7,"value":1157},"UK health and safety for small business owners in 2025\u002F26",{"name":710,"type":7,"value":1159},"Discover how to easily protect yourself and your employees by understanding the latest Health & Safety regulations and implement effective safety procedures at work.",{"images":1161,"linkedItemCodenames":1166,"linkedItems":1167,"links":1168,"name":776,"type":176,"value":1169},[1162],{"description":1163,"imageId":1164,"url":1165,"height":873,"width":874},"Bionic branded featured image with the title 'health and safety features at work' . with hazard sign, safety jacket. Male with helmet and gloves smiles to the camera.","886ce99e-9165-4732-94bb-9d8fc1b064b8","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F202144df-1c76-4789-baaa-2957a2171493\u002FHealth%20_%20Safety%20%281%29.jpg",[],[],[],"\u003Cp>It might not always seem like it, but the workplace can be a dangerous place.   \u003C\u002Fp>\n\u003Cp>As of 2025, an estimated \u003Ca href=\"https:\u002F\u002Fwww.hse.gov.uk\u002Fstatistics\u002Foverview.htm\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">1.9 million workers suffered from work-related ill health\u003C\u002Fa> (new or long-standing), an increase from 1.7 million last year. This is the highest on record.\u003C\u002Fp>\n\u003Cp>And it’s not just the workers that suffer, the same report estimates there were 40.1 million days lost over the last two years, up from 33.7 million the two years prior. Employers are losing labour to work-related illness or injury that may have been preventable. \u003C\u002Fp>\n\u003Cp>That’s why complying with health and safety regulations should be one of your top priorities no matter what business you’re in.  \u003C\u002Fp>\n\u003Cp>As well as the various legal requirements you have as an employer to \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Femployers-liability-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">protect your employees\u003C\u002Fa> and any visitors, it’s in the best interest of the business to make sure that your workforce is healthy and protected.  \u003C\u002Fp>\n\u003Cp>After all, healthy and happy employees do great work.   \u003C\u002Fp>\n\u003Cp>We’ve covered some key areas around what you need to know about health safety in the workplace in 2025\u002F2026, with modern workplaces in mind.  \u003C\u002Fp>\n\u003Cp>There may be more information that we haven’t included that’s relevant for your business, so always make sure to do your research into health and safety.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"886ce99e-9165-4732-94bb-9d8fc1b064b8\" data-image-id=\"886ce99e-9165-4732-94bb-9d8fc1b064b8\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F202144df-1c76-4789-baaa-2957a2171493\u002FHealth%20_%20Safety%20%281%29.jpg\" data-asset-id=\"886ce99e-9165-4732-94bb-9d8fc1b064b8\" data-image-id=\"886ce99e-9165-4732-94bb-9d8fc1b064b8\" alt=\"Bionic branded featured image with the title 'health and safety features at work' . with hazard sign, safety jacket. Male with helmet and gloves smiles to the camera.\">\u003C\u002Ffigure>\n\u003Ch2>\u003Cstrong>Do I legally need a health and safety policy? What should it include?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Yes, in the UK the Health and Safety at Work Act 1974 is a legal framework that businesses with 5 or more employees need to follow. It outlines the duty of the employer which is protect employees and others while carrying out their work.\u003C\u002Fp>\n\u003Ch3>\u003Cstrong>What am I legally required to do?\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>As an employer, you’re legally expected to: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Have a written health and safety policy - \u003C\u002Fstrong>If you employ five people or more in your company, by law you must have a written health and safety policy or document.  Whether you use a printed version or store one online, it doesn’t really matter as long as your employees can access it. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Have health and safety advice - \u003C\u002Fstrong>You must ensure that all employees have access to competent and up to date health and safety advice. You can use posters or a handbook that is regularly updated. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Disclose any risks - \u003C\u002Fstrong>You must disclose any risks in the workplace to employees, customers or any other person who may be affected. This can be something as simple as displaying a wet floor sign over a spillage. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Arrange preventative measures - \u003C\u002Fstrong>Employers must effectively plan, organise, monitor and review all preventive and protective measures they put in place to avoid the worst happening. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Consult employees -\u003C\u002Fstrong> It’s important to speak with employees about any potential risks they may have encountered that have not been recorded, to keep your policy up to date.  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>\u003Cstrong>What are the 4 main objectives of the Health and Safety at Work Act?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>There are four main objectives of the Health and Safety at Work Act. They are: \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Employer’s responsibilities\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>As an employer, you have a duty of care to your staff. You are in charge of maintaining equipment and making sure your employees feel safe. You should also: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Provide training on how to carry out work processes safely \u003C\u002Fli>\n  \u003Cli>Provide a safe place to work \u003C\u002Fli>\n  \u003Cli>Work out a clear health and safety policy \u003C\u002Fli>\n  \u003Cli>Carry out risk assessments \u003C\u002Fli>\n  \u003Cli>Collaborate with health and safety experts \u003C\u002Fli>\n  \u003Cli>Make sure all tasks are handled safely \u003C\u002Fli>\n  \u003Cli>Make sure all staff concerns are heard\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Employee’s responsibilities\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>As an employee, you must take some responsibility for yourself in the workplace. This might include: \u003C\u002Fli>\n  \u003Cli>Taking care of your own personal health \u003C\u002Fli>\n  \u003Cli>Ensuring the safety of other staff members \u003C\u002Fli>\n  \u003Cli>Not interfering with your workplace health and safety protocol \u003C\u002Fli>\n  \u003Cli>Cooperating with your manager on matters of health and safety \u003C\u002Fli>\n  \u003Cli>Asking proactive questions about health and safety in the workplace \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Enforcement of health and safety legislation\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>The role of a health and safety inspector is to make sure businesses are following their own measures. They have important rights, like: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>The right of entry to your business premises without an appointment (as long as it’s at a reasonable time) \u003C\u002Fli>\n  \u003Cli>The right to take equipment for inspection \u003C\u002Fli>\n  \u003Cli>The right to request assistance from the police \u003C\u002Fli>\n  \u003Cli>The right to question your staff on their health and safety measures \u003C\u002Fli>\n  \u003Cli>The right to request health and safety documents\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>An HSE inspector can turn up at any time, but they may be more likely to visit if you operate in a high-risk industry (like construction), are starting a new business, or they’ve received complaints - so it’s best to be prepared. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Enforcement action\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If your business is in breach of its health and safety policy, you might face legal implications. These can include: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Legal Notices - \u003C\u002Fstrong>These can include improvements and prohibitions. Improvements tell you what is wrong within your business and provide you with a deadline to fix it. Prohibitions, on the other hand, tell you to stop dangerous practices immediately. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Prosecution - \u003C\u002Fstrong>These can include large fines and, even worse, court cases or sentencing. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>\u003Cstrong>What you need to include in your health and safety policy in 2025\u002F26\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>As you can imagine, times have moved on since the original Health and Safety Act was passed. There have been recent changes to reflect modern working conditions – here's an idea of what you need to include: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>All types of workers - \u003C\u002Fstrong>You need to make sure your policy includes on-site staff and any remote workers. This means you need to outline how you manage digital wellbeing if you’re staff are working at home (even some of the time). \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Who is responsible -\u003C\u002Fstrong> If you’re on a construction site, in a kitchen or even an office, you need to define who is responsible for employee health and safety.  Whether this is a manager or you as a business owner. Remember to keep this updated if you take on new staff. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Actionable procedures - \u003C\u002Fstrong>Include how you manage risks and reduce the chance of injury, detailing all your workplace hazards but also any risks for remote workers - including and digital systems or people employees can refer to help with wellbeing. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Keep in mind, there may be other areas you need to include in your health and safety policy that are specific to your business. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>Modern add-ons to your risk assessment\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>A traditional \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fblog\u002Fsmall-business-risk-management-guide\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">risk assessment\u003C\u002Fa> looks at the physical risks you may face in your business, like slipping on a greasy floor in a kitchen or a box falls on an employee in an overcrowded stock room. \u003C\u002Fp>\n\u003Cp>But it’s also a good idea to include broader risks that come with home working, such as mental health and cybersecurity.  \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Remote working risks\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Here are some examples of some remote working risks: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Home office setups - \u003C\u002Fstrong>Consider things like proper office chairs and desks to carry out work. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Mental health - \u003C\u002Fstrong>Think about work-life balance, workers being isolated and the impact of work-based traumas on your employees. For example, a builder witnesses a colleague fall from a height. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Technology security - \u003C\u002Fstrong>Consider cyber security training, secure communication tools, and data protection measures as \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002Fguides\u002Fthe-effects-of-online-attacks-small-business\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">cyber-attacks\u003C\u002Fa> are increasing in small businesses. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Travelling - \u003C\u002Fstrong>Risks associated with hybrid working patterns and client visits, especially if carrying and unloading equipment.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>\u003Cstrong>What are the risks of not complying with health and safety standards?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>If you fall behind on your safety standards, you could be fined or prosecuted and have the weight of employee injury or even death on your conscience – it's just not worth the risk.  \u003C\u002Fp>\n\u003Cp>If you run a business where there is a clear risk of death of an employee, customer or the member of the public then it’s really important you take health and safety seriously.  \u003C\u002Fp>\n\u003Cp>In the unfortunate event someone does die, and you haven’t followed strict health and safety procedures, you could be investigated for a failure of duty of care. \u003C\u002Fp>\n\u003Cp>Not to mention the unpleasant situations that follow — like informing the deceased’s family and supporting employees who may also be suffering because of the accident. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>Do I need insurance to ensure safety by law?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>While having the right insurance doesn’t guarantee protection in every situation, especially if negligence is involved, it can play a key role in protecting your business should incidents occur. \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Femployers-liability-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">\u003Cstrong>Employers' Liability\u003C\u002Fstrong>\u003C\u002Fa>\u003Cstrong> - \u003C\u002Fstrong>You need employers' liability insurance if you have any employees, including part-time staff and temporary workers. This can help protect against injury or illness caused as a result of their work. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Commercial motor insurance - \u003C\u002Fstrong>If you have a vehicle that is owned by the business, then you need a commercial vehicle policy or potentially a fleet policy if you have a number of vehicles. This is a legal requirement. However, if you have a personal vehicle that’s for occasional business use, you should be able to use it as long as you have ‘business use’ noted on your personal car insurance policy. \u003Cstrong> \u003C\u002Fstrong>At Bionic, unfortunately, we cannot help insure your business vehicle, but it’s likely we can help insure other business operations. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>\u003Cstrong>Are there any other insurance covers I should consider?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cul>\n  \u003Cli>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fpublic-liability-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">\u003Cstrong>Public Liability\u003C\u002Fstrong>\u003C\u002Fa>\u003Cstrong> - \u003C\u002Fstrong>While not a legal requirement, public liability is essential to help protect against claims from customers, suppliers, or members of the public. Many of your suppliers or your commercial landlord (if you have one), may require this in order to work with you. \u003C\u002Fli>\n  \u003Cli>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fbusiness-equipment-insurance\u002F\">\u003Cstrong>Equipment breakdown\u003C\u002Fstrong>\u003C\u002Fa>\u003Cstrong> -  \u003C\u002Fstrong>This helps cover the unexpected breakdown of equipment, like your boiler, for example\u003Cstrong>.  \u003C\u002Fstrong>For theft or damage from other events, you should consider taking out specific cover for machinery or equipment.  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>\u003Cstrong>What are the penalties for breaching health and safety?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Understanding what penalties, you might face for breaching health and safety can help you make better decisions when it comes to training your staff, fixing equipment, and keeping your policies up to date. As of 2025, the consequences of breaching health and safety rules could depend on the following: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>How severe the casualty \u003C\u002Fli>\n  \u003Cli>How far your standards fell below acceptable levels \u003C\u002Fli>\n  \u003Cli>Your business size measured by annual turnover \u003C\u002Fli>\n  \u003Cli>Any previous health and safety breaches and cooperation with preventing future casualties. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>What charges could I face?\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you’re found to be negligent in your health and safety practices in the UK you could be charged with a criminal offence, the most severe being for Corporate Manslaughter.  \u003C\u002Fp>\n\u003Cp>You could face this charge if someone dies while working for you due to a breach of health and safety rules. This can not only apply to the business owner but also to whoever is responsible within your business for not complying with your policy. \u003C\u002Fp>\n\u003Cp>In fact, the Health and Safety Executive (HSE) even \u003Ca href=\"https:\u002F\u002Fresources.hse.gov.uk\u002Fconvictions\u002Fbreach\u002Fbreach_list.asp?PN=1&ST=B&SN=S&SF=IS&SV=5&SO=DHD\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">lists public convictions on their site\u003C\u002Fa> – with some companies or individuals being fined up to millions for being convicted of breaching health and safety regulations that have resulted in severe casualties or death. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>Real world examples of breaches\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>There are many examples on Reddit of employees sharing stories of small businesses they work for, not complying with health and safety regulations: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>One \u003Ca href=\"https:\u002F\u002Fwww.reddit.com\u002Fr\u002FLegalAdviceUK\u002Fcomments\u002Fg3eg9w\u002Funfair_dismissal_for_reporting_to_hse\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">reddit user\u003C\u002Fa> was told multiple times to climb down a drain outside of his work ‘normal work duties’. He refused and reported the company to HSE, and then was fired as a result! In these instances, other Reddit users advised this employee to report the employer to warrant an inspection. \u003C\u002Fli>\n  \u003Cli>One \u003Ca href=\"https:\u002F\u002Fwww.reddit.com\u002Fr\u002FLegalAdviceUK\u002Fcomments\u002F15o94tz\u002Fcompany_being_extremely_lax_regarding_health_and\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">other reddit user\u003C\u002Fa> was asked by his employer to perform some ‘other duties’ which resulted in him working outside for 6 hours in extreme heat leading to continuous sunburn, without any protective measures in place. As an engineer, he also was involved in serious flash incidents that could have been fatal. His workplace showed aggressive behaviour when he asked about safety protocols. Again, Reddit users in the comments told him to anonymously report the employer to warrant an investigation. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>\u003Cstrong>High risk triggers that could lead to an investigation\u003C\u002Fstrong>\u003C\u002Fh2>\n\u003Cp>You never know if your business could end up being investigated in the following circumstances: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>An employee or member of the public complains about dangerous working conditions \u003C\u002Fli>\n  \u003Cli>You need routine inspections as you are in a high-risk sector \u003C\u002Fli>\n  \u003Cli>You’ve had serious incidents happen that need emergency services  \u003C\u002Fli>\n  \u003Cli>A whistleblower reports your safety failures \u003C\u002Fli>\n  \u003Cli>You have follow-up visits after previous enforcement action \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>As a small business owner, the learning here is to get on top of safe practices to avoid injuries or harm otherwise your employees may report you.  \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>How to document your health and safety practices for protection\u003C\u002Fstrong>\u003C\u002Fh2>\n\u003Cp>It's important to document everything that demonstrates your commitment to health and safety in your small business, including (but not limited to): \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Regular health and safety policy reviews with dates and signatures \u003C\u002Fli>\n  \u003Cli>Training records showing safety training you’ve provided \u003C\u002Fli>\n  \u003Cli>Risk assessment updates when there are any business changes \u003C\u002Fli>\n  \u003Cli>Evidence of investment in safety equipment and systems \u003C\u002Fli>\n  \u003Cli>Records of employee meetings and feedback on safety \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Keeping a record of this evidence in a high-risk sector like engineering or construction, for example, could help you in cases where employees report you to HSE. Showing that you have actively tried to keep your employees and business safe can go a long way in courts (in the unfortunate event it ever comes to that.) \u003C\u002Fp>\n\u003Cp>Learn more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fworkplace-accident-employer-responsibilities\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">what to do if an employee suffers an injury\u003C\u002Fa> and get to grips with RIDDOR. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>How can I make my workplace safer for my employees?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>There are several steps that you can take to ensure you’re making the workplace as safe as it possibly can be.  \u003C\u002Fp>\n\u003Cp>These could include: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Carrying out regular risk assessments\u003C\u002Fstrong> - Employers should follow the five steps to risk assessments to make sure the workplace is safe. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Select contractors with the skills to work safely\u003C\u002Fstrong> - If you’re employing contractors for projects, you need to make sure that they possess the skills, knowledge and qualifications required to carry out the work efficiently and safely. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Create a written health and safety policy\u003C\u002Fstrong> - Writing up a health and safety policy document is a legal requirement for businesses with 5 or more employees. It’s also a way to efficiently and easily communicate your procedures company-wide.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Provide necessary PPE\u003C\u002Fstrong> - As an employer, it’s your responsibility to provide any necessary personal protective equipment that can help reduce any risks in the workplace. You also must provide this to all employees, free of charge. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Provide effective health and safety training for staff\u003C\u002Fstrong> - For your staff to understand the risks and how they should act on them, providing training will help. In some industries, like catering, you’ll need to be regularly up to date with all health and safety knowledge.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Display any useful information\u003C\u002Fstrong> - Health and safety posters or free, accessible PDFs are a legal requirement in the UK.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>For more government information and advice on health and safety, please head to the \u003Ca href=\"https:\u002F\u002Fwww.hse.gov.uk\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">HSE website\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>How Bionic can help protect your business\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>While it can sometimes seem overwhelming to get to grips with health and safety in your business, there are unfortunately no ways to reduce ALL risks. That’s why it’s important that you implement the necessary steps for the safety of your employees and also that you protect your business with the right insurance.  \u003C\u002Fp>\n\u003Cp>At Bionic we can help with \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fconstruction\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">insurance for construction businesses\u003C\u002Fa>, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fbuilders\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">builder insurance\u003C\u002Fa> and insurance for many other UK backbone businesses from \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fsole-trader\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">sole traders\u003C\u002Fa> to \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\u002Ftakeaway\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">takeaways\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cp>Get in touch with the Bionic team to discuss your needs or get more information on \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">business insurance\u003C\u002Fa> today. \u003C\u002Fp>",{"name":779,"type":15,"value":1171,"linkedItems":1172},[781],[],{"name":784,"type":15,"value":1174,"linkedItems":1175},[1103],[],{"name":789,"type":790,"value":1177,"displayTimeZone":1178},"2025-10-23T08:17:00Z","UTC",{"name":794,"type":790,"value":747,"displayTimeZone":747},{"name":796,"type":11,"value":1181},"health-and-safety-at-work\u002F",{"name":799,"type":7,"value":1183},"2025\u002F26: UK health and safety for small business owners",{"name":802,"type":7,"value":1185},"Learn about the latest UK legal requirements for health and safety and how to implement the correct health and safety procedures to protect everyone in your workplace.",{"name":805,"type":806,"value":1187},[1188],{"name":809,"codename":810},{"name":812,"type":7,"value":1190},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fhealth-and-safety-at-work\u002F",{"name":815,"type":15,"value":1192,"linkedItems":1193},[],[],{"name":819,"type":15,"value":1195,"linkedItems":1196},[821],[],{"name":824,"type":15,"value":1198,"linkedItems":1199},[],[],{"name":828,"type":15,"value":1201,"linkedItems":1202},[],[],{"name":832,"type":23,"value":1204},[1205],{"name":1206,"description":1163,"type":348,"size":1207,"url":1165,"width":874,"height":873,"renditions":1208},"Health _ Safety (1).jpg",164732,{},{"name":839,"type":806,"value":1210},[1211],{"name":842,"codename":843},{"name":845,"type":806,"value":1213},[1214],{"name":809,"codename":810},{"name":849,"type":806,"value":1216},[1217],{"name":809,"codename":810},{"name":853,"type":806,"value":1219},[1220],{"name":842,"codename":843},{"codename":703,"collection":75,"id":1222,"language":75,"lastModified":1223,"name":1224,"sitemapLocations":1225,"type":860,"workflowStep":81,"workflow":75},"1e7a4b27-dcd6-47d2-a6a4-380083b241d4","2026-02-18T11:59:01.3856092Z","INSURANCE GUIDE - Health and safety at work",[],{"codename":127,"collection":75,"id":1227,"language":75,"lastModified":1228,"name":1229,"sitemapLocations":1230,"type":1231,"workflowStep":81,"workflow":75},"4b5656e5-31ca-4db0-ad1f-f503939256fe","2026-03-04T13:35:55.9071686Z","Content Block - Guides - Hotel",[],"content_block___guides",{"elements":1233,"system":1257},{"title_left":1234,"text_left":1236,"cta_button_text":1242,"cta_link_url":1244,"image_right":1246},{"name":496,"type":7,"value":1235},"Not your usual boring business content!",{"images":1237,"linkedItemCodenames":1238,"linkedItems":1239,"links":1240,"name":149,"type":176,"value":1241},[],[],[],[],"\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":1243},"Yes, sign me up",{"name":52,"type":7,"value":1245},"https:\u002F\u002Fbackbone.bionic.co.uk\u002Fsign-up",{"name":1247,"type":23,"value":1248},"Image Right",[1249],{"name":1250,"description":1251,"type":28,"size":1252,"url":1253,"width":1254,"height":1255,"renditions":1256},"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":128,"collection":75,"id":1258,"language":75,"lastModified":1259,"name":1260,"sitemapLocations":1261,"type":1262,"workflowStep":81,"workflow":75},"31d6b6b9-30ef-4f5a-bde5-ec18f1823f86","2024-11-19T13:47:59.5857742Z","Content Block - Image with CTA - Ins Backbone",[],"content_block___image_with_cta",{"elements":1264,"system":1265},{},{"codename":129,"collection":75,"id":1266,"language":75,"lastModified":1267,"name":1268,"sitemapLocations":1269,"type":129,"workflowStep":81,"workflow":75},"27c81dfe-7041-4ad0-913b-6f7b41ef4a2b","2024-11-12T12:29:58.1483257Z","Content Block - Social",[],{"name":1271,"type":7,"value":1272},"Meta Title","Hotel Insurance Quotes From £1.79 a day | 86% of customers love our service",{"name":1274,"type":7,"value":1275},"Meta Description","We can provide cover for over 6,000 business types, including small hotels. Switch today and your increase at renewal could be less than a pint with Bionic.",{"name":1277,"type":7,"value":1278},"Meta Canonical","https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fhotel\u002F",{"name":1280,"type":806,"value":1281},"Meta Robots",[1282],{"name":1283,"codename":1283},"index",{"name":1285,"type":806,"value":1286},"Meta Aggregate Schema",[],{"codename":1288,"collection":75,"id":1289,"language":75,"lastModified":1290,"name":1291,"sitemapLocations":1292,"type":1293,"workflowStep":81,"workflow":75},"hotel_insurance___new","2de14261-11be-4ab4-9469-2edafc7ebf76","2026-04-01T08:55:21.872081Z","Hotel Insurance - New",[],"seo_product_page",1784910360909]