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We're here to help",{"name":48,"type":7,"value":150},"Start a quote",{"name":51,"type":7,"value":52},{"codename":122,"collection":80,"id":153,"language":80,"lastModified":154,"name":155,"sitemapLocations":156,"type":157,"workflowStep":86,"workflow":80},"5ede4c3f-7b79-45f6-9107-702e6fcc5c17","2026-02-04T10:29:18.168234Z","Content Block - Sticky CTA - Manufacturing insurance",[],"content_block__sticky__cta",{"elements":159,"system":169},{"text_left":160,"text_middle":163,"text_right":166},{"name":161,"type":7,"value":162},"Text Left","Bionic provides business insurance for small businesses, including manufacturing.",{"name":164,"type":7,"value":165},"Text Middle","Get cover to protect against accident, injury and unforeseen events with no unnecessary add-ons",{"name":167,"type":7,"value":168},"Text Right","Bionic is trusted by UK businesses and won 'Highly Commended' at the 2025 Insurance Broker Awards",{"codename":123,"collection":80,"id":170,"language":80,"lastModified":171,"name":172,"sitemapLocations":173,"type":174,"workflowStep":86,"workflow":80},"801d64ca-2e9a-437d-9c24-007770a2b00d","2026-03-31T09:30:24.6059397Z","Content Block - USP - Manufacturing",[],"content_block___usp_",{"elements":176,"system":190},{"title_accent":177,"title":180,"text":182},{"name":178,"type":7,"value":179},"Title Accent","What is...",{"name":145,"type":7,"value":181},"manufacturing insurance?",{"images":183,"linkedItemCodenames":184,"linkedItems":185,"links":186,"name":187,"type":188,"value":189},[],[],[],[],"Text","rich_text","\u003Cp>Whether you produce retail stock, building materials or wholesale goods; if you run a warehouse or factory, you should consider business insurance. 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",{"codename":315,"collection":80,"id":415,"language":80,"lastModified":416,"name":417,"sitemapLocations":418,"type":341,"workflowStep":86,"workflow":80},"44c7c635-f7b5-4e76-afaf-bd08f439b7ba","2025-03-19T11:08:27.6856988Z","Content Block - Carousel Card - Building insurance - Commercial landlord",[],{"elements":420,"system":433},{"icon":421,"title":429,"text":431},{"name":323,"type":22,"value":422},[423],{"name":424,"description":425,"type":27,"size":426,"url":427,"width":330,"height":330,"renditions":428},"INS - Biz Interruption.png","A blue triangle with a exclamation mark on it",3383,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Fc27a3a33-94e6-4f8d-a3bd-c4224b5243fd\u002FINS%20-%20Biz%20Interruption.png",{},{"name":145,"type":7,"value":430},"Business interruption insurance",{"name":187,"type":7,"value":432},"Provides compensation if material damage stops your business from running normally, for example fire or flood. ",{"codename":316,"collection":80,"id":434,"language":80,"lastModified":435,"name":436,"sitemapLocations":437,"type":341,"workflowStep":86,"workflow":80},"92a0a060-d9b0-4cb8-97c1-065c17756f5c","2026-06-11T12:55:23.4303101Z","Content Block - Carousel Card - Business interruption",[],{"elements":439,"system":448},{"icon":440,"title":444,"text":446},{"name":323,"type":22,"value":441},[442],{"name":404,"description":405,"type":406,"size":407,"url":408,"width":330,"height":330,"renditions":443},{},{"name":145,"type":7,"value":445},"Business equipment insurance",{"name":187,"type":7,"value":447},"Protects your business against losses if expensive equipment and machinery get stolen or damaged.",{"codename":317,"collection":80,"id":449,"language":80,"lastModified":450,"name":451,"sitemapLocations":452,"type":341,"workflowStep":86,"workflow":80},"079cc8c6-6118-4919-b6de-6a60b14bf968","2025-03-21T12:13:14.9464155Z","Content Block - Carousel Card - Business equipment insurance - Manufacturing",[],{"elements":454,"system":467},{"icon":455,"title":463,"text":465},{"name":323,"type":22,"value":456},[457],{"name":458,"description":459,"type":27,"size":460,"url":461,"width":330,"height":330,"renditions":462},"INS - Legal Expenses.png","A blue line drawing of a gavel",3736,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F4e14b6bb-df5b-4950-a0cb-919f76932de8\u002FINS%20-%20Legal%20Expenses.png",{},{"name":145,"type":7,"value":464},"Legal expenses insurance",{"name":187,"type":7,"value":466},"Helps cover legal costs and awards from disputes, like employment tribunals, tax audits, and contract disagreements.",{"codename":318,"collection":80,"id":468,"language":80,"lastModified":469,"name":470,"sitemapLocations":471,"type":341,"workflowStep":86,"workflow":80},"a70df2d9-7225-4267-a3b0-4891309acb7d","2026-07-23T13:28:29.1504998Z","Content Block - Carousel Card - Legal expenses",[],{"codename":129,"collection":80,"id":473,"language":80,"lastModified":474,"name":475,"sitemapLocations":476,"type":477,"workflowStep":86,"workflow":80},"5d07238a-ce94-4686-a203-a97494d00b43","2026-02-18T16:48:29.088629Z","Content Block - Carousel - What insurance do manufacturing businesses need?",[],"content_block___carousel",{"elements":479,"system":491},{"title":480,"text":482,"theme":488},{"name":145,"type":7,"value":481},"How much does manufacturing insurance cost?",{"images":483,"linkedItemCodenames":484,"linkedItems":485,"links":486,"name":187,"type":188,"value":487},[],[],[],[],"\u003Cp>Prices could start from around \u003Cstrong>£1.22 a day*\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cp>But no two insurers are the same, and the following may affect the price of your premiums:  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Extent of cover\u003C\u002Fstrong> - The more additional cover you opt for, the more likely it is to be more expensive  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Your insurer\u003C\u002Fstrong> - The insurer you choose may also influence costs. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Location\u003C\u002Fstrong>  – Where your business is located can be taken into consideration when calculating the price of your premiums. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Business size\u003C\u002Fstrong> - Larger operations with more employees, higher turnover and bigger premises typically pay more for cover. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Type of products \u003C\u002Fstrong>- What you manufacture affects your risk. Food production, chemicals or products for children often have higher premiums than lower-risk items like textiles or packaging.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Your machinery and processes - \u003C\u002Fstrong>Older equipment, combustible materials, or hazardous manufacturing processes could increase costs. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Claims history\u003C\u002Fstrong> - If you have a history of claims such as fire, flood or injuries, your premium may be higher.  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>\u003Csub>*The price is for a commercial combined policy – 10% of customers who were sold with one of our panel providers paid £445.08 or less annually (excluding any additional administration fees) between 01\u002F01\u002F25 & 31\u002F12\u002F2025. Equivalent to £37.09 a month or £1.22 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary on your business requirements.\u003C\u002Fsub>\u003C\u002Fp>",{"name":70,"type":14,"value":489,"linkedItems":490},[208],[210],{"codename":130,"collection":80,"id":492,"language":80,"lastModified":493,"name":494,"sitemapLocations":495,"type":224,"workflowStep":86,"workflow":80},"e4b67ac4-6a81-483d-857a-b0e119091bd6","2026-02-18T16:49:44.5957533Z","Content Block - One Column - How much does manufacturing insurance cost?",[],{"elements":497,"system":509},{"title":498,"text":500,"theme":506},{"name":145,"type":7,"value":499},"Get manufacturers insurance sorted with Bionic",{"images":501,"linkedItemCodenames":502,"linkedItems":503,"links":504,"name":187,"type":188,"value":505},[],[],[],[],"\u003Cp>At Bionic, we support 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 our panel of trusted insurers to help you find coverage that fits your needs.  \u003C\u002Fp>\n\u003Cp>Our UK-based team helps business owners daily to find the right insurer that fits. Get in touch with us today by \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">starting an insurance quote online.\u003C\u002Fa>  \u003C\u002Fp>",{"name":70,"type":14,"value":507,"linkedItems":508},[237],[239],{"codename":131,"collection":80,"id":510,"language":80,"lastModified":511,"name":512,"sitemapLocations":513,"type":224,"workflowStep":86,"workflow":80},"f944b5bb-31c1-446b-9e02-189084a11c63","2025-05-01T12:18:41.3118102Z","Content Block - One Column - Get Manufacturers Insurance sorted with Bionic",[],{"elements":515,"system":537},{"quote_image":516,"quote_text":527,"attribution":534},{"name":517,"type":22,"value":518},"Quote Image",[519],{"name":520,"description":521,"type":27,"size":522,"url":523,"width":524,"height":525,"renditions":526},"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":528,"linkedItemCodenames":529,"linkedItems":530,"links":531,"name":532,"type":188,"value":533},[],[],[],[],"Quote Text","\u003Cp>Protect both your production line and bottom line. Tailored cover could help keep your business running even when the unexpected happens.\u003C\u002Fp>",{"name":535,"type":7,"value":536},"Attribution","Insurance Director, James Barwell",{"codename":132,"collection":80,"id":538,"language":80,"lastModified":539,"name":540,"sitemapLocations":541,"type":542,"workflowStep":86,"workflow":80},"93f1e684-dcb4-4cd8-be8f-727d5e04116a","2025-05-01T12:19:25.3147046Z","Content Block - Quote - James Barwell - Manufacturing",[],"content_block___quote",{"elements":544,"system":554},{"title":545,"text":546,"cta_button_text":547,"cta_link_url":549,"tagline":550,"theme":551},{"name":145,"type":7,"value":55},{"name":187,"type":7,"value":55},{"name":48,"type":7,"value":548},"Compare manufacturing insurance quotes",{"name":51,"type":7,"value":52},{"name":33,"type":7,"value":278},{"name":70,"type":14,"value":552,"linkedItems":553},[281],[283],{"codename":133,"collection":80,"id":555,"language":80,"lastModified":556,"name":557,"sitemapLocations":558,"type":297,"workflowStep":86,"workflow":80},"deb68728-6ae7-4d6a-b13b-2025e2b06966","2026-02-19T10:25:54.3111465Z","Content Block - CTA - Manufacturing - Compare and save",[],{"elements":560,"system":595},{"title":561,"tagline":563,"title_left":565,"text_left":568,"title_middle":574,"text_middle":577,"title_right":583,"text_right":586,"cta_button_text":592,"cta_link_url":593},{"name":145,"type":7,"value":562},"How Bionic business Insurance comparison works",{"name":33,"type":7,"value":564},"Compare business insurance quotes in three simple steps",{"name":566,"type":7,"value":567},"Title Left","Start your quote online",{"images":569,"linkedItemCodenames":570,"linkedItems":571,"links":572,"name":161,"type":188,"value":573},[],[],[],[],"\u003Cp>Speed up the process by submitting basic business details online – whenever you have time. \u003C\u002Fp>",{"name":575,"type":7,"value":576},"Title Middle","Speak to our UK-based team",{"images":578,"linkedItemCodenames":579,"linkedItems":580,"links":581,"name":164,"type":188,"value":582},[],[],[],[],"\u003Cp>Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct. \u003C\u002Fp>",{"name":584,"type":7,"value":585},"Title Right","Compare tailored quotes",{"images":587,"linkedItemCodenames":588,"linkedItems":589,"links":590,"name":167,"type":188,"value":591},[],[],[],[],"\u003Cp>Get your quotes from our panel of trusted insurers and talk any questions through with our team.\u003C\u002Fp>",{"name":48,"type":7,"value":146},{"name":594,"type":7,"value":52},"CTA Link Url",{"codename":134,"collection":80,"id":596,"language":80,"lastModified":597,"name":598,"sitemapLocations":599,"type":600,"workflowStep":86,"workflow":80},"31681fca-b96d-4772-98d2-43fa054f2bc3","2026-01-26T12:08:54.4133931Z","Content Block - How Does It Work - Manufacturing",[],"content_block___how_does_it_work",{"elements":602,"system":656},{"title_left":603,"text_left":605,"bullet_points":611},{"name":566,"type":7,"value":604},"What do I need to get started?",{"images":606,"linkedItemCodenames":607,"linkedItems":608,"links":609,"name":161,"type":188,"value":610},[],[],[],[],"\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":612,"type":14,"value":613,"linkedItems":618},"Bullet Points",[614,615,616,617],"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",[619,629,638,647],{"elements":620,"system":623},{"text":621},{"name":187,"type":7,"value":622},"Your business name and trade ",{"codename":614,"collection":80,"id":624,"language":80,"lastModified":625,"name":626,"sitemapLocations":627,"type":628,"workflowStep":86,"workflow":80},"f5c87133-0e80-44f6-a888-59adda324773","2024-11-18T15:45:17.9673586Z","Content Block - Bullet Point Item - ins business",[],"content_block___bullet_point_item",{"elements":630,"system":633},{"text":631},{"name":187,"type":7,"value":632},"Your policy start date",{"codename":615,"collection":80,"id":634,"language":80,"lastModified":635,"name":636,"sitemapLocations":637,"type":628,"workflowStep":86,"workflow":80},"45b464f7-13cf-49ff-9d89-7624b4e6561e","2024-11-18T16:45:27.4347361Z","Content Block - Bullet Point Item - Ins Policy Date",[],{"elements":639,"system":642},{"text":640},{"name":187,"type":7,"value":641},"Your name and contact details to receive your quote options",{"codename":616,"collection":80,"id":643,"language":80,"lastModified":644,"name":645,"sitemapLocations":646,"type":628,"workflowStep":86,"workflow":80},"cc8e290d-aa14-49e6-9c47-e4efcd884c5d","2024-11-18T16:44:52.23641Z","Content Block - Bullet Point Item - Ins name and contact details",[],{"elements":648,"system":651},{"text":649},{"name":187,"type":7,"value":650},"You may be asked additional questions about business activities",{"codename":617,"collection":80,"id":652,"language":80,"lastModified":653,"name":654,"sitemapLocations":655,"type":628,"workflowStep":86,"workflow":80},"e68e6dec-964b-4032-8dd3-db7796d9098b","2024-11-18T16:46:11.6253384Z","Content Block - Bullet Point Item - Ins additional Q's",[],{"codename":135,"collection":80,"id":657,"language":80,"lastModified":658,"name":659,"sitemapLocations":660,"type":661,"workflowStep":86,"workflow":80},"e263bf42-58ca-4c8b-8463-d2c02093c67a","2026-03-16T14:49:09.7669112Z","Content Block - Bullet Points - Ins Getting Started",[],"content_block___bullet_points",{"elements":663,"system":670},{"title":664,"cta_button_text":666,"cta_link_url":668},{"name":145,"type":7,"value":665},"Businesses are happy with our customer service",{"name":48,"type":7,"value":667},"Read our customer stories",{"name":51,"type":7,"value":669},"https:\u002F\u002Fuk.trustpilot.com\u002Freview\u002Fbionic.co.uk",{"codename":136,"collection":80,"id":671,"language":80,"lastModified":672,"name":673,"sitemapLocations":674,"type":675,"workflowStep":86,"workflow":80},"0b8fe963-e21c-40d4-a3af-533d6b0a87b3","2026-05-29T11:25:35.7041053Z","Content Block - Trust Pilot: Slider Insurance",[],"content_block___trust_pilot",{"elements":677,"system":768},{"title":678,"tagline":680,"faq_items":681},{"name":145,"type":7,"value":679},"Manufacturing Insurance FAQs",{"name":33,"type":7,"value":55},{"name":682,"type":14,"value":683,"linkedItems":689},"FAQ Items",[684,685,686,687,688],"content_block___faq_item___does_manufacturing_insu_60ca2c6","content_block___faq_item___do_i_need_insurance_if_","content_block___faq_item___what_s_the_difference_b","content_block___faq_item___can_i_get_manufacturing","content_block___faq_item___how_long_does_it_take_t",[690,708,723,738,753],{"elements":691,"system":702},{"question":692,"answer":695},{"name":693,"type":7,"value":694},"Question","Does manufacturing insurance cover equipment breakdown?",{"images":696,"linkedItemCodenames":697,"linkedItems":698,"links":699,"name":700,"type":188,"value":701},[],[],[],[],"Answer","\u003Cp>Standard property insurance doesn't cover internal mechanical or electrical failures. You typically need to take out equipment breakdown insurance (sometimes also called machinery breakdown cover) to help protect against things like motor failures, electrical faults, or boiler breakdowns. Policies vary per insurer, always check your policy wording to see what is and isn’t included.\u003C\u002Fp>",{"codename":684,"collection":80,"id":703,"language":80,"lastModified":704,"name":705,"sitemapLocations":706,"type":707,"workflowStep":86,"workflow":80},"60ca2c66-916c-47f2-ac89-0bef823c0ee2","2026-02-18T16:50:54.2144584Z","Content Block - FAQ Item - Does manufacturing insurance cover equipment breakdown?",[],"content_block___faq_item",{"elements":709,"system":718},{"question":710,"answer":712},{"name":693,"type":7,"value":711},"Do I need insurance if I only have one employee?",{"images":713,"linkedItemCodenames":714,"linkedItems":715,"links":716,"name":700,"type":188,"value":717},[],[],[],[],"\u003Cp>Yes, employers' liability insurance is a legal requirement in the UK if you employ anyone, even just one person. This includes part-time staff, temporary workers, and even volunteers. You’ll need cover for least £5 million of employers' liability cover by law. At Bionic the policies we arrange offer £10 million as standard. You could be fined up to £2,500 per day if you don't have cover. \u003C\u002Fp>",{"codename":685,"collection":80,"id":719,"language":80,"lastModified":720,"name":721,"sitemapLocations":722,"type":707,"workflowStep":86,"workflow":80},"62796617-8add-4b5f-ac9e-c951be11e441","2026-02-18T16:53:46.6120179Z","Content Block - FAQ Item - Do I need insurance if I only have one employee?",[],{"elements":724,"system":733},{"question":725,"answer":727},{"name":693,"type":7,"value":726},"What's the difference between product liability and public liability in manufacturing?",{"images":728,"linkedItemCodenames":729,"linkedItems":730,"links":731,"name":700,"type":188,"value":732},[],[],[],[],"\u003Cp>Public liability could help cover injuries or damage caused by your business operations - like a visitor slipping in your factory. Product liability can help cover harm caused by something you've manufactured - like a faulty component in a product that causes injury. It's a good idea to consider both. \u003C\u002Fp>",{"codename":686,"collection":80,"id":734,"language":80,"lastModified":735,"name":736,"sitemapLocations":737,"type":707,"workflowStep":86,"workflow":80},"9cb64080-1929-4602-8c46-f3eb0877e784","2026-02-18T16:55:03.7132014Z","Content Block - FAQ Item - What's the difference between product liability and public liability in manufacturing?",[],{"elements":739,"system":748},{"question":740,"answer":742},{"name":693,"type":7,"value":741},"Can I get manufacturing insurance if I've had previous claims?",{"images":743,"linkedItemCodenames":744,"linkedItems":745,"links":746,"name":700,"type":188,"value":747},[],[],[],[],"\u003Cp>Yes, but previous claims may affect how insurers view your business and therefore could influence your premium. Insurers look at your claims history and multiple claims could increase costs. At Bionic, we work with a panel of insurers who should still be able to help even with previous claims. \u003C\u002Fp>",{"codename":687,"collection":80,"id":749,"language":80,"lastModified":750,"name":751,"sitemapLocations":752,"type":707,"workflowStep":86,"workflow":80},"2a85694e-e07b-4924-be5f-9e21f2923474","2026-02-18T17:39:17.4422263Z","Content Block - FAQ Item - Can I get manufacturing insurance if I've had previous claims?",[],{"elements":754,"system":763},{"question":755,"answer":757},{"name":693,"type":7,"value":756},"How long does it take to get manufacturing insurance?",{"images":758,"linkedItemCodenames":759,"linkedItems":760,"links":761,"name":700,"type":188,"value":762},[],[],[],[],"\u003Cp>When arranging insurance for manufacturing, in most cases, you’ll be able to get a quote for  on the same day you contact us. For most policies, you can often get cover in place within 1-3 business days once you've provided all the information needed. More complex needs may take longer as insurers assess the risks. Starting a quote online can speed up the process.  \u003C\u002Fp>",{"codename":688,"collection":80,"id":764,"language":80,"lastModified":765,"name":766,"sitemapLocations":767,"type":707,"workflowStep":86,"workflow":80},"b1f65c90-89b9-4bf4-a204-4f89a19d5657","2026-03-09T08:54:10.8414581Z","Content Block - FAQ Item - How long does it take to get manufacturing insurance?",[],{"codename":137,"collection":80,"id":769,"language":80,"lastModified":770,"name":771,"sitemapLocations":772,"type":773,"workflowStep":86,"workflow":80},"3836e6f3-acd6-40ad-afec-467fb524da3a","2026-02-27T11:08:51.953222Z","Content Block - FAQ - Manufacturing Insurance FAQS",[],"content_block___faq",{"elements":775,"system":1432},{"title":776,"cta_button_text":778,"cta_link_url":780,"guides":782},{"name":145,"type":7,"value":777},"Our team shares essential knowledge on business insurance",{"name":48,"type":7,"value":779},"View all business insurance guides",{"name":594,"type":7,"value":781},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002F",{"name":783,"type":14,"value":784,"linkedItems":789},"Guides",[785,786,787,788],"insurnce_guide___brokers___a_step_by_step_guide_to","insurance_guide___brokers___buying_insurance_for_t","insurance_guide___what_happens_if_you_re_refused_b","untitled_content_item_5f78d8c",[790,1038,1119,1299],{"elements":791,"system":1033},{"post__title":792,"post__summary":794,"post__content":797,"post__author":954,"post__reviewer":959,"publish_date":964,"updated_date":969,"url":971,"seo__meta_title":974,"seo__meta_description":977,"seo__add_no_index_tag":980,"seo__canonical_url":987,"related_articles":990,"categories":994,"subfolder":999,"tags":1004,"thumbnail_image":1008,"show_on_index_page":1015,"hide_author":1021,"hide_reviewer":1025,"hide_tags":1029},{"name":145,"type":7,"value":793},"A step-by-step guide to working with a business insurance broker",{"name":795,"type":7,"value":796},"Summary","Never spoken to a business insurance broker before? Here's what you need to know: from finding one that’s right for your business, to renewals, claims and more. ",{"images":798,"linkedItemCodenames":805,"linkedItems":820,"links":951,"name":952,"type":188,"value":953},[799],{"description":800,"imageId":801,"url":802,"height":803,"width":804},"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,[806,807,808,809,810,811,812,813,814,815,816,817,818,819],"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",[821,832,841,852,861,870,879,888,897,906,915,924,933,942],{"elements":822,"system":826},{"sound_cloud_id":823},{"name":824,"type":7,"value":825},"Sound Cloud ID","2242537154",{"codename":806,"collection":80,"id":827,"language":80,"lastModified":828,"name":827,"sitemapLocations":829,"type":830,"workflowStep":831,"workflow":831},"4f97319b-a2f7-01aa-f28e-ba41d475dbe8","2026-01-06T11:01:43.2871159Z",[],"sound_cloud",null,{"elements":833,"system":837},{"video":834},{"name":835,"type":7,"value":836},"Youtube Video","w02FKUS8ZII",{"codename":807,"collection":80,"id":838,"language":80,"lastModified":828,"name":838,"sitemapLocations":839,"type":840,"workflowStep":831,"workflow":831},"4f88bd1e-d4b8-013e-5a95-67a7e59ff6f4",[],"video_tag",{"elements":842,"system":848},{"text":843,"anchor_id":845},{"name":187,"type":7,"value":844},"What is a business insurance broker and why use one? ",{"name":846,"type":7,"value":847},"Anchor ID","what-is-a-business-insurance-broker-and-why-use-one",{"codename":808,"collection":80,"id":849,"language":80,"lastModified":828,"name":849,"sitemapLocations":850,"type":851,"workflowStep":831,"workflow":831},"29f09511-2504-01a6-51e2-bc50ad81b499",[],"anchor_tag",{"elements":853,"system":858},{"text":854,"anchor_id":856},{"name":187,"type":7,"value":855},"How do I find and choose the right business insurance broker?",{"name":846,"type":7,"value":857},"how-do-i-find-and-choose-the-right-business-insurance-broker",{"codename":809,"collection":80,"id":859,"language":80,"lastModified":828,"name":859,"sitemapLocations":860,"type":851,"workflowStep":831,"workflow":831},"cad2d966-191b-01f0-34e1-80a9af5adf8c",[],{"elements":862,"system":867},{"text":863,"anchor_id":865},{"name":187,"type":7,"value":864},"Questions to ask before choosing a broker",{"name":846,"type":7,"value":866},"questions-to-ask-before-choosing-a-broker",{"codename":810,"collection":80,"id":868,"language":80,"lastModified":828,"name":868,"sitemapLocations":869,"type":851,"workflowStep":831,"workflow":831},"b0fe8a1a-32dd-0144-5b5a-70e8a597c2a2",[],{"elements":871,"system":876},{"text":872,"anchor_id":874},{"name":187,"type":7,"value":873},"What information does a broker need from my business?",{"name":846,"type":7,"value":875},"what-information-does-a-broker-need-from-my-business",{"codename":811,"collection":80,"id":877,"language":80,"lastModified":828,"name":877,"sitemapLocations":878,"type":851,"workflowStep":831,"workflow":831},"f1ebeb93-483d-0192-b691-1399529d6a78",[],{"elements":880,"system":885},{"text":881,"anchor_id":883},{"name":187,"type":7,"value":882},"What happens if my business has unusual risks",{"name":846,"type":7,"value":884},"what-happens-if-my-business-has-unusual-risks",{"codename":812,"collection":80,"id":886,"language":80,"lastModified":828,"name":886,"sitemapLocations":887,"type":851,"workflowStep":831,"workflow":831},"30fc9004-c12c-0169-53d6-9b80e37c59f6",[],{"elements":889,"system":894},{"text":890,"anchor_id":892},{"name":187,"type":7,"value":891},"How does the quote process work with a broker?",{"name":846,"type":7,"value":893},"how-does-the-quote-process-work-with-a-broker",{"codename":813,"collection":80,"id":895,"language":80,"lastModified":828,"name":895,"sitemapLocations":896,"type":851,"workflowStep":831,"workflow":831},"5ce29ae9-eb3c-019b-096c-8043777f1968",[],{"elements":898,"system":903},{"text":899,"anchor_id":901},{"name":187,"type":7,"value":900},"What should I check before accepting a policy?",{"name":846,"type":7,"value":902},"what-should-i-check-before-accepting-a-policy",{"codename":814,"collection":80,"id":904,"language":80,"lastModified":828,"name":904,"sitemapLocations":905,"type":851,"workflowStep":831,"workflow":831},"d83d3578-9bdc-0169-86f8-97702d32c3b3",[],{"elements":907,"system":912},{"text":908,"anchor_id":910},{"name":187,"type":7,"value":909},"How much do brokers charge, and how are they paid?",{"name":846,"type":7,"value":911},"how-much-do-brokers-charge-and-how-are-they-paid",{"codename":815,"collection":80,"id":913,"language":80,"lastModified":828,"name":913,"sitemapLocations":914,"type":851,"workflowStep":831,"workflow":831},"fad3a51a-8b2a-018c-f861-ce792e0004ea",[],{"elements":916,"system":921},{"text":917,"anchor_id":919},{"name":187,"type":7,"value":918},"What happens when it’s time to renew?",{"name":846,"type":7,"value":920},"what-happens-when-its-time-to-renew",{"codename":816,"collection":80,"id":922,"language":80,"lastModified":828,"name":922,"sitemapLocations":923,"type":851,"workflowStep":831,"workflow":831},"5c2aba3f-52f7-01ce-d6ee-1af7b06035a7",[],{"elements":925,"system":930},{"text":926,"anchor_id":928},{"name":187,"type":7,"value":927},"Common mistakes when working with a broker",{"name":846,"type":7,"value":929},"common-mistakes-when-working-with-a-broker",{"codename":817,"collection":80,"id":931,"language":80,"lastModified":828,"name":931,"sitemapLocations":932,"type":851,"workflowStep":831,"workflow":831},"de398d25-e68a-01c3-3e4d-8ce889084e8f",[],{"elements":934,"system":939},{"text":935,"anchor_id":937},{"name":187,"type":7,"value":936},"Can I arrange other business services with a broker?",{"name":846,"type":7,"value":938},"can-i-arrange-other-business-services-with-a-broker",{"codename":818,"collection":80,"id":940,"language":80,"lastModified":828,"name":940,"sitemapLocations":941,"type":851,"workflowStep":831,"workflow":831},"a85b6af0-1f75-015d-3086-c63af75f75ab",[],{"elements":943,"system":948},{"text":944,"anchor_id":946},{"name":187,"type":7,"value":945},"Building a long-term relationship with your broker",{"name":846,"type":7,"value":947},"Building-a-long-term-relationship-with-your-broker",{"codename":819,"collection":80,"id":949,"language":80,"lastModified":828,"name":949,"sitemapLocations":950,"type":851,"workflowStep":831,"workflow":831},"429f82f1-db5f-0196-f5ec-4b1e512b890a",[],[],"Content","\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n4f97319b_a2f7_01aa_f28e_ba41d475dbe8\">\u003C\u002Fobject>\n\u003Cp>From understanding premiums to sums insured, getting your business properly covered doesn't have to feel like overwhelming jargon. And working with a reputable business insurance broker can make the process easier. \u003C\u002Fp>\n\u003Cp>The key is knowing what to do: from researching what a broker can offer to dealing with one so you can feel more prepared. \u003C\u002Fp>\n\u003Cp>Here's what you need to know about working with a commercial broker, including how to find one that’s right for your business, how they can help deal with renewals and claims, and more.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0\" data-image-id=\"8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F63a85fa1-294b-41c8-96fb-6e7114afbcc8\u002FWorking%20with%20a%20broker%20%281%29.jpg\" data-asset-id=\"8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0\" data-image-id=\"8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0\" alt=\"graphic with text 'working with an insurance broker' with a female business owner stood next to a broker. They are stood in a warehouse full of boxes.\">\u003C\u002Ffigure>\n\u003Cp>\u003Cstrong>Five-point summary:\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Col>\n  \u003Cli>\u003Cstrong>Benefits of using a broker\u003C\u002Fstrong> – Many brokers compare quotes, explain cover options, and negotiate with insurers on your behalf. All must be FCA‑regulated.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Choosing a broker\u003C\u002Fstrong> – Check the FCA Register and ask about fees, insurers they work with, and claims support. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Information you need\u003C\u002Fstrong> – Share your details with your broker on activities, turnover, staff, premises, and any unusual risks to help get proper cover.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Quotes \u003C\u002Fstrong> – Brokers can search the market to find suitable quote options. They can help explain what's included and any exclusions to be aware of.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Renewals \u003C\u002Fstrong>–  At renewal, many brokers recheck the market for quotes. Brokers like bionic, can also arrange other essentials for you, such as energy, broadband, and finance.\u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cp>Prefer to watch? See the roundup of this guide from Laura.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n4f88bd1e_d4b8_013e_5a95_67a7e59ff6f4\">\u003C\u002Fobject>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n29f09511_2504_01a6_51e2_bc50ad81b499\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What is a business insurance broker, and why use one?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>A business insurance broker deals in the commercial insurance market, finding quotes for businesses on your behalf. \u003C\u002Fp>\n\u003Cp>Unlike going directly to an insurer, a broker usually searches multiple providers to find cover that fits your specific needs and budget.  \u003C\u002Fp>\n\u003Cp>Learn more about the differences between a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fbroker-vs-direct-insurer-which-is-better\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">business insurance broker vs going directly to an insurer\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cp>Brokers handle the legwork of comparing policies, explaining complex terms, and negotiating on your behalf. They're particularly valuable if your business has unusual risks, previous claims, or if you're struggling to understand what cover you actually need. \u003C\u002Fp>\n\u003Cp>All legitimate UK business insurance brokers must be authorised by the \u003Ca href=\"https:\u002F\u002Fwww.fca.org.uk\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Financial Conduct Authority (FCA)\u003C\u002Fa>. You can check a broker's credentials on the FCA Register before you use one. At Bionic, we are registered with the FCA. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"cad2d966_191b_01f0_34e1_80a9af5adf8c\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How do I find and choose the right business insurance broker?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Start by checking the FCA Register to verify any broker you're considering is regulated. Although the minority, there are some brokers out there who may not be transparent and hit you with unexpected fees or leave you without adequate cover  \u003C\u002Fp>\n\u003Cp>All legitimate brokers are regulated by the FCA. This helps protect you as they must adhere to guidelines like treating customers fairly and not misleading. \u003C\u002Fp>\n\u003Cp>Then, look at your own business and find a broker who can help insure your type of business.  For example, large corporations may want to opt for a global broker while a high street business may want someone who specialises in cover for small businesses. \u003C\u002Fp>\n\u003Cp>At Bionic, we know UK small businesses, from \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fshop\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">shops\u003C\u002Fa> and \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fsalon\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">salons\u003C\u002Fa> to \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Ftakeaway\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">takeaways\u003C\u002Fa>, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fhotel\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">hotels\u003C\u002Fa> and car mechanics, we can help arrange cover that’s right for you. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"b0fe8a1a_32dd_0144_5b5a_70e8a597c2a2\">\u003C\u002Fobject>\n\u003Ch3>\u003Cstrong>Questions to ask before choosing a broker\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you’ve never spoken to a broker, you might be wondering what to ask. Depending on who you contact,  you might be able to speak to someone online or on the phone who can help iron out any questions. \u003C\u002Fp>\n\u003Cp>Consider asking: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>How do you charge – commission from insurers, fees, or both? \u003C\u002Fli>\n  \u003Cli>Which insurers do you work with? \u003C\u002Fli>\n  \u003Cli>What experience do you have with businesses like mine? \u003C\u002Fli>\n  \u003Cli>Will I have a dedicated contact person? \u003C\u002Fli>\n  \u003Cli>What support do you offer during claims? \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>UK law requires brokers to disclose their commission on commercial policies if you ask.  So don't be shy about having this conversation upfront, if you’re concerned, they should be transparent.  \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Ftara-mitchell\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Tara Mitchell\u003C\u002Fa>, Insurance Technical Manager at Bionic - \u003Cem>“When you speak to our UK-based insurance team at Bionic, they’ll talk you through your options. You’ll also have the chance to ask any questions, so you can feel confident in any decision you make”\u003C\u002Fem>\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"f1ebeb93_483d_0192_b691_1399529d6a78\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What information does a broker need from my business?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Brokers need accurate business information to get you the right quotes. So, it's a good idea to do a little bit of prep before you speak to someone. Make sure you have these details handy: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Your business description and all activities  \u003C\u002Fli>\n  \u003Cli>Annual turnover and number of employees \u003C\u002Fli>\n  \u003Cli>Business premises details (owned, leased, square footage, roof materials) \u003C\u002Fli>\n  \u003Cli>Any previous insurance claims (last 5 years typically) \u003C\u002Fli>\n  \u003Cli>Current cover details if you're switching \u003C\u002Fli>\n  \u003Cli>Any unusual risks, circumstances or activities (like microblading in a salon) \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Always try to have your turnover, payroll, latest accounts and previous insurance documents to hand, as this can help speed up the process, especially if you’re busy.  \u003C\u002Fp>\n\u003Cp>Remember, it's your duty to make sure the information you provide is accurate. If not, you could be left without adequate cover. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n30fc9004_c12c_0169_53d6_9b80e37c59f6\">\u003C\u002Fobject>\n\u003Ch3>\u003Cstrong>What happens if my business has unusual risks?\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>An unusual risk can be anything that isn’t the norm in your business, that may not be covered in a standard policy. For example, this could be:  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Working from home part-time \u003C\u002Fli>\n  \u003Cli>Storing hazardous materials \u003C\u002Fli>\n  \u003Cli>Working from a height  \u003C\u002Fli>\n  \u003Cli>Abrasive beauty treatments (like permanent tattooing) \u003C\u002Fli>\n  \u003Cli>Running a hybrid business (for example, a garden centre) \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You must tell brokers about any of these activities, as they come with a new set of risks. Brokers often deal with unusual situations every day, so it’s likely they can arrange any specialist cover you might need. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n5ce29ae9_eb3c_019b_096c_8043777f1968\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How does the quote process work with a broker?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Whether you have shared your details online or on the phone, a broker will search their panel – this can take as little as a few minutes. \u003C\u002Fp>\n\u003Cp>Depending on your business, a broker will approach multiple insurers on your behalf to find quote options. They know which insurers work with certain industries and to get competitive quotes to present back to you. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Understanding and comparing broker recommendations\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Your broker will provide your options on the phone and\u002For via email. Depending on your business, you might have 3-5 options, but you may just have one specialist provider. When considering which one to go for, important not to just look at price, you should compare: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>What's covered and what's excluded \u003C\u002Fli>\n  \u003Cli>Policy limits and excesses \u003C\u002Fli>\n  \u003Cli>Any add-ons that are included or that you may need \u003C\u002Fli>\n  \u003Cli>The reputation of each insurer when it comes to claims \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You can always ask your broker to explain any terms you don't understand. For example, “premium” and \"material damage\" might sound straightforward on paper, but don't hesitate to ask for explanations if you aren’t really sure.  \u003C\u002Fp>\n\u003Cp>It’s also worth checking out our \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fthe-bionic-insurance-jargon-buster\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">insurance jargon buster\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"d83d3578_9bdc_0169_86f8_97702d32c3b3\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What should I check before accepting a policy?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Before you say yes to any policy, verify: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>You’ve correctly described your business activities \u003C\u002Fli>\n  \u003Cli>You’re happy with the amount of cover \u003C\u002Fli>\n  \u003Cli>Your business address and employee count are right \u003C\u002Fli>\n  \u003Cli>You understand the terms and conditions, and what is and isn’t included  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You can also ask your broker to walk you through the exclusions section of your policy. This tells you what's \u003Cem>not\u003C\u002Fem> covered, which often matters as much as what is covered. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Making changes to your policy\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you get off the phone with your broker, read your policy again, and something doesn't look right, tell your broker straight away. A broker can help put it right, before the policy starts. Making alterations after your policy starts may cost extra or require the broker to speak to the insurer for approval. If you change any part of your policy, this may increase or decrease your premium. \u003C\u002Fp>\n\u003Cp>Commercial policies\u003Cem> don’t\u003C\u002Fem> include a 14-day cooling-off period, so you can’t cancel for a full refund if you change your mind. This differs from most home insurance policies and is worth keeping in mind. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"fad3a51a_8b2a_018c_f861_ce792e0004ea\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How much do brokers charge, and how are they paid?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Most brokers earn money in 3 main ways: \u003C\u002Fp>\n\u003Col>\n  \u003Cli>\u003Cstrong>Commission from insurers\u003C\u002Fstrong> – Typically agreed with each insurer \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Fees \u003C\u002Fstrong> – An admin or service fee that may be in addition to your premium cost \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>A combination of both\u003C\u002Fstrong> \u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cp>It’s worth remembering that a broker's payment often comes from the insurer, so this doesn’t mean your premium is higher and using a broker doesn’t necessarily mean you are paying more compared to buying direct. Brokers are often able to negotiate good rates with insurers because they bring them business. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n5c2aba3f_52f7_01ce_d6ee_1af7b06035a7\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What happens when it’s time to renew?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>About 30 days before your policy ends, your broker will contact you about renewal.  \u003C\u002Fp>\n\u003Cp>Many brokers don't just accept the renewal quote from your current insurer. They'll check their panel again to see what other quotes are on offer, especially if your premium has increased significantly.  \u003C\u002Fp>\n\u003Cp>This is exactly what we do at Bionic. \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Ftara-mitchell\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Tara Mitchell\u003C\u002Fa>, Insurance Technical Manager at Bionic, confirms:  “\u003Cem>When renewing with Bionic, we carry out a fresh search of our panel to find the best quotes available to you. You can then decide to switch or stay with your current insurer, depending on your preference.\u003C\u002Fem>” \u003C\u002Fp>\n\u003Cp>Read up on \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Ftop-things-to-consider-when-renewing-business-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">renewing your business insurance\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Preparing for renewal\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you’re approaching your renewal window (up to 30 days before your policy ends). You should update your broker on any business changes: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Changes in turnover or employee numbers \u003C\u002Fli>\n  \u003Cli>New business activities or locations \u003C\u002Fli>\n  \u003Cli>Claims made during the year \u003C\u002Fli>\n  \u003Cli>Any  changes to your sums insured \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Doing this ensures your cover still protects your business, and you aren’t left uninsured. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>When to switch insurers\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If your premium rises without an obvious reason, you can always ask your broker why.  \u003C\u002Fp>\n\u003Cp>Sometimes switching insurers at renewal can save money, but it’s not always a good idea to switch purely on price.  \u003C\u002Fp>\n\u003Cp>Consider checking eviews for insurers before you switch to a new one.  And if you’re happy with your current insurer and the annual premium increase isn't too bad, there is no harm in staying. Often, your broker can deal with the renewal for you. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>How does a broker help with claims?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>This really varies, depending on your broker. If you need to claim or have a claim made against you, some insurers will pass you directly over to your insurer. Others will deal with the process.  \u003C\u002Fp>\n\u003Cp>At Bionic, we don’t deal directly with claims, but we can give you any policy details you need and a contact number for your insurer. \u003C\u002Fp>\n\u003Cp>Read our \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbusiness-insurance-claim\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">step by step guide to claims\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>What you need to do when making a claim\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Contact your broker or insurer as soon as possible after an incident. They'll tell you exactly what to do next, but generally you'll need: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Photos and evidence of damage \u003C\u002Fli>\n  \u003Cli>Police or incident reports where relevant \u003C\u002Fli>\n  \u003Cli>Several repair quotes or invoices \u003C\u002Fli>\n  \u003Cli>Records of business interruption losses \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Remember to keep all receipts and correspondence, you'll need to provide the facts and evidence yourself. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"de398d25_e68a_01c3_3e4d_8ce889084e8f\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Common mistakes when working with a broker\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Avoid these pitfalls when working with a broker: \u003C\u002Fp>\n\u003Col>\n  \u003Cli>\u003Cstrong>Withholding information\u003C\u002Fstrong> – If your broker doesn't know about a risk, they can't get you covered for it. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Choosing on price alone\u003C\u002Fstrong> – The cheapest policy might not be the best, and leave you exposed when you claim. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Forgetting to update them\u003C\u002Fstrong> – Tell your broker when your business changes. If this is not reflected in your policy, you won’t be covered. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Missing renewal deadlines\u003C\u002Fstrong> – If your policy ends before you start a new one, you're uninsured. This can leave you liable for claims. Consider auto-renewals to prevent this. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Not reading policy documents\u003C\u002Fstrong> – We know no one likes reading the small print, but it’s a legal contract. Check the details match what you discussed. \u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"a85b6af0_1f75_015d_3086_c63af75f75ab\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Can I arrange other business services with a broker?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Some brokers can sort more than just business insurance. You might find you can arrange other utilities in a ‘one-stop shop’.. This could include:  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Business energy contract switching \u003C\u002Fli>\n  \u003Cli>Business VoIP and broadband comparisons \u003C\u002Fli>\n  \u003Cli>Business loans and commercial mortgages \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Sorting any of these, in addition to your insurance, can help save you the hassle of dealing with multiple brokers or suppliers, saving you time (and even money). \u003C\u002Fp>\n\u003Cp>Ask what your broker offers if you're ever interested. \u003C\u002Fp>\n\u003Cp>At Bionic, we can help you sort all the above. From finding your next energy deal, to sorting an upgraded broadband and VoIP system or arranging a commercial loan or mortgage. Get in touch today to find out more. \u003C\u002Fp>\n\u003Cp>Or read up on what else brokers like Bionic can offer you beyond insurance.  \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n429f82f1_db5f_0196_f5ec_4b1e512b890a\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Building a long-term relationship with your broker\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>As with any relationship, a good business and broker relationship is built over time. When you use the same broker and even speak to the same person, you build that trust. Your broker learns your business, anticipates your needs, and can become a trusted ‘go-to’. \u003C\u002Fp>\n\u003Cp>So, when your business changes, it’s a good idea to stay in regular contact with your broker to keep them updated, and this doesn’t just have to be at renewal. Always inform your broker about business changes, any expansions, or concerns you have about your cover. \u003C\u002Fp>\n\u003Cp>If your broker isn't meeting your expectations, speak to them about it to see if it can be resolved. If you still have issues, remember, you can always switch brokers. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>Getting started with a broker\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Ready to begin? Start by verifying potential brokers on the \u003Ca href=\"https:\u002F\u002Fregister.fca.org.uk\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">FCA Register,\u003C\u002Fa> once you’ve chosen one, gather all your business information, write down any questions you have and get in contact. \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Compare business insurance quotes\u003C\u002Fa> with Bionic today and start a quote online. Our UK-based, friendly brokers will be on-hand to talk you through your options and help arrange cover for you, with no hassle. \u003C\u002Fp>\n\u003Cp>Start a quote online now.\u003C\u002Fp>",{"name":955,"type":14,"value":956,"linkedItems":958},"Author",[957],"author___laura_court_jones",[],{"name":960,"type":14,"value":961,"linkedItems":963},"Reviewer",[962],"author___ollie_barrett",[],{"name":965,"type":966,"value":967,"displayTimeZone":968},"Publish Date","date_time","2025-12-11T09:03:00Z","Europe\u002FLondon",{"name":970,"type":966,"value":831,"displayTimeZone":968},"Updated Date",{"name":972,"type":11,"value":973},"URL","working-with-a-business-insurance-broker\u002F",{"name":975,"type":7,"value":976},"Meta title","Working with a business insurance broker: A step-by-step guide",{"name":978,"type":7,"value":979},"Meta description","Learn how to work with a business insurance broker in the UK. This step-by-step guide covers choosing a broker, getting quotes, renewals, and more. ",{"name":981,"type":982,"value":983},"Add no index tag","multiple_choice",[984],{"name":985,"codename":986},"No","no",{"name":988,"type":7,"value":989},"Canonical URL","https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fworking-with-a-business-insurance-broker\u002F",{"name":991,"type":14,"value":992,"linkedItems":993},"Related Articles",[],[],{"name":995,"type":14,"value":996,"linkedItems":998},"Categories",[997],"category___business_insurance_guide",[],{"name":1000,"type":14,"value":1001,"linkedItems":1003},"Subfolder",[1002],"insurance_subfolder___brokers",[],{"name":1005,"type":14,"value":1006,"linkedItems":1007},"Tags",[],[],{"name":1009,"type":22,"value":1010},"Thumbnail Image",[1011],{"name":1012,"description":800,"type":406,"size":1013,"url":802,"width":804,"height":803,"renditions":1014},"Working with a broker (1).jpg",151029,{},{"name":1016,"type":982,"value":1017},"Show on index page",[1018],{"name":1019,"codename":1020},"Yes","yes",{"name":1022,"type":982,"value":1023},"Hide Author",[1024],{"name":985,"codename":986},{"name":1026,"type":982,"value":1027},"Hide Reviewer",[1028],{"name":985,"codename":986},{"name":1030,"type":982,"value":1031},"Hide Tags",[1032],{"name":1019,"codename":1020},{"codename":785,"collection":80,"id":1034,"language":80,"lastModified":828,"name":1035,"sitemapLocations":1036,"type":1037,"workflowStep":86,"workflow":80},"8068f267-7f83-462c-91e2-bd40727d3eb0","INSURANCE GUIDE - BROKERS - A step-by-step guide to working with a business insurance broker",[],"guide",{"elements":1039,"system":1115},{"post__title":1040,"post__summary":1042,"post__content":1044,"post__author":1063,"post__reviewer":1066,"publish_date":1070,"updated_date":1072,"url":1073,"seo__meta_title":1075,"seo__meta_description":1077,"seo__add_no_index_tag":1079,"seo__canonical_url":1082,"related_articles":1084,"categories":1087,"subfolder":1090,"tags":1093,"thumbnail_image":1097,"show_on_index_page":1103,"hide_author":1106,"hide_reviewer":1109,"hide_tags":1112},{"name":145,"type":7,"value":1041},"First time buying business insurance with a broker? Q&A with Ollie Barrett",{"name":795,"type":7,"value":1043},"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":1045,"linkedItemCodenames":1050,"linkedItems":1052,"links":1061,"name":952,"type":188,"value":1062},[1046],{"description":1047,"imageId":1048,"url":1049,"height":803,"width":804},"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",[1051],"n7f8b02bb_fecd_0199_f69e_f3c4c6fc88fa",[1053],{"elements":1054,"system":1057},{"sound_cloud_id":1055},{"name":824,"type":7,"value":1056},"2263550132",{"codename":1051,"collection":80,"id":1058,"language":80,"lastModified":1059,"name":1058,"sitemapLocations":1060,"type":830,"workflowStep":831,"workflow":831},"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":955,"type":14,"value":1064,"linkedItems":1065},[962],[],{"name":960,"type":14,"value":1067,"linkedItems":1069},[1068],"untitled_content_item_d332501",[],{"name":965,"type":966,"value":1071,"displayTimeZone":968},"2026-01-30T09:00:00Z",{"name":970,"type":966,"value":831,"displayTimeZone":968},{"name":972,"type":11,"value":1074},"first-time-buying-business-insurance-qa-ollie-barrett\u002F",{"name":975,"type":7,"value":1076},"First time buying business insurance? Q&A with Ollie Barrett",{"name":978,"type":7,"value":1078},"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":981,"type":982,"value":1080},[1081],{"name":985,"codename":986},{"name":988,"type":7,"value":1083},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Ffirst-time-buying-business-insurance-qa-ollie-barrett\u002F",{"name":991,"type":14,"value":1085,"linkedItems":1086},[],[],{"name":995,"type":14,"value":1088,"linkedItems":1089},[997],[],{"name":1000,"type":14,"value":1091,"linkedItems":1092},[1002],[],{"name":1005,"type":14,"value":1094,"linkedItems":1096},[1095],"tag___business_insurance",[],{"name":1009,"type":22,"value":1098},[1099],{"name":1100,"description":1047,"type":406,"size":1101,"url":1049,"width":804,"height":803,"renditions":1102},"First time buying insurance (1).jpg",129390,{},{"name":1016,"type":982,"value":1104},[1105],{"name":1019,"codename":1020},{"name":1022,"type":982,"value":1107},[1108],{"name":985,"codename":986},{"name":1026,"type":982,"value":1110},[1111],{"name":985,"codename":986},{"name":1030,"type":982,"value":1113},[1114],{"name":1019,"codename":1020},{"codename":786,"collection":80,"id":1116,"language":80,"lastModified":1059,"name":1117,"sitemapLocations":1118,"type":1037,"workflowStep":86,"workflow":80},"02c513ee-e2a6-43f3-8569-69b1abb2b6b5","INSURANCE GUIDE - BROKERS - Buying insurance for the first time? Q&A with Ollie Barrett",[],{"elements":1120,"system":1295},{"post__title":1121,"post__summary":1123,"post__content":1125,"post__author":1246,"post__reviewer":1249,"publish_date":1252,"updated_date":1254,"url":1255,"seo__meta_title":1257,"seo__meta_description":1258,"seo__add_no_index_tag":1260,"seo__canonical_url":1263,"related_articles":1265,"categories":1268,"subfolder":1271,"tags":1274,"thumbnail_image":1277,"show_on_index_page":1283,"hide_author":1286,"hide_reviewer":1289,"hide_tags":1292},{"name":145,"type":7,"value":1122},"What happens if you're refused business insurance?",{"name":795,"type":7,"value":1124},"What happens if you’ve tried to get insurance and you’ve been refused? There are many reasons why your insurer might reject you — from previous claims to insufficient documentation. Find out what you should do next in this guide.",{"images":1126,"linkedItemCodenames":1131,"linkedItems":1143,"links":1244,"name":952,"type":188,"value":1245},[1127],{"description":1128,"imageId":1129,"url":1130,"height":803,"width":804},"Bionic graphic with text 'what to do if you're refused business insurance' with a male on the left-hand side and female on the right hand side both looking frustrated. There is a red cross in the middle of the graphic.","f14e7f28-c564-4ddd-aeb3-329a063c2fdb","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F796d6dec-e845-4bdb-b011-bc259e6916f2\u002FRefused%20business%20insurance%20%281%29%20%281%29.png",[1132,1133,1134,1135,1136,1137,1138,1139,1140,1141,1142],"n87350a46_bde5_0110_9914_3d8ec803a60a","n891327f1_0d61_0179_7b90_c15e62396944","n2d735484_6c2b_015d_3708_6a0f6c8a6d6c","bf4538a2_69e7_0126_3a7b_0cab37da6af5","n472a25e2_0528_01f9_a866_4e6daf803016","n287077e3_89d7_017f_75fa_91a351c2f815","n7eed2ed6_9377_011a_7cdf_9ad6c7e73486","n0143cde0_99e0_01c5_f2aa_88d3378f4d34","n462ee1c5_b722_0116_d356_d206cc2733b0","n9b116775_3b0d_014c_3fa6_ef26b291ee43","d335edc7_1799_01ed_af94_e916ba4bc770",[1144,1154,1163,1172,1181,1190,1199,1208,1217,1226,1235],{"elements":1145,"system":1150},{"text":1146,"anchor_id":1148},{"name":187,"type":7,"value":1147},"Why was my business insurance refused?",{"name":846,"type":7,"value":1149},"why-was-my-business-insurance-refused",{"codename":1132,"collection":80,"id":1151,"language":80,"lastModified":1152,"name":1151,"sitemapLocations":1153,"type":851,"workflowStep":831,"workflow":831},"87350a46-bde5-0110-9914-3d8ec803a60a","2025-09-12T14:31:02.9971327Z",[],{"elements":1155,"system":1160},{"text":1156,"anchor_id":1158},{"name":187,"type":7,"value":1157},"What should you do if you can’t get an insurance quote?",{"name":846,"type":7,"value":1159},"what-should-you-do-if-you-cant-get-an-insurance-quote",{"codename":1133,"collection":80,"id":1161,"language":80,"lastModified":1152,"name":1161,"sitemapLocations":1162,"type":851,"workflowStep":831,"workflow":831},"891327f1-0d61-0179-7b90-c15e62396944",[],{"elements":1164,"system":1169},{"text":1165,"anchor_id":1167},{"name":187,"type":7,"value":1166},"Will getting rejected affect future attempts to get insurance?",{"name":846,"type":7,"value":1168},"will-getting-rejected-affect-future-attempts-to-get-insurance",{"codename":1134,"collection":80,"id":1170,"language":80,"lastModified":1152,"name":1170,"sitemapLocations":1171,"type":851,"workflowStep":831,"workflow":831},"2d735484-6c2b-015d-3708-6a0f6c8a6d6c",[],{"elements":1173,"system":1178},{"text":1174,"anchor_id":1176},{"name":187,"type":7,"value":1175},"If I can’t get a quote, will this affect my ability to operate legally",{"name":846,"type":7,"value":1177},"If-i-cant-get-a-quote-will-this-affect-my-ability-to-operate-legally",{"codename":1135,"collection":80,"id":1179,"language":80,"lastModified":1152,"name":1179,"sitemapLocations":1180,"type":851,"workflowStep":831,"workflow":831},"bf4538a2-69e7-0126-3a7b-0cab37da6af5",[],{"elements":1182,"system":1187},{"text":1183,"anchor_id":1185},{"name":187,"type":7,"value":1184},"How can I find alternative insurance providers?",{"name":846,"type":7,"value":1186},"how-can-i-find-alternative-insurance-providers",{"codename":1136,"collection":80,"id":1188,"language":80,"lastModified":1152,"name":1188,"sitemapLocations":1189,"type":851,"workflowStep":831,"workflow":831},"472a25e2-0528-01f9-a866-4e6daf803016",[],{"elements":1191,"system":1196},{"text":1192,"anchor_id":1194},{"name":187,"type":7,"value":1193},"If I can't get a quote, will this affect applying for insurance in the future? ",{"name":846,"type":7,"value":1195},"if-i-cant-get-a-quote-will-this-affect-applying-for-insurance-in-the-future",{"codename":1137,"collection":80,"id":1197,"language":80,"lastModified":1152,"name":1197,"sitemapLocations":1198,"type":851,"workflowStep":831,"workflow":831},"287077e3-89d7-017f-75fa-91a351c2f815",[],{"elements":1200,"system":1205},{"text":1201,"anchor_id":1203},{"name":187,"type":7,"value":1202},"What if I’ve had claims denied in the past?",{"name":846,"type":7,"value":1204},"what-if-iv- had-claims-denied-in-the-past",{"codename":1138,"collection":80,"id":1206,"language":80,"lastModified":1152,"name":1206,"sitemapLocations":1207,"type":851,"workflowStep":831,"workflow":831},"7eed2ed6-9377-011a-7cdf-9ad6c7e73486",[],{"elements":1209,"system":1214},{"text":1210,"anchor_id":1212},{"name":187,"type":7,"value":1211},"How can I prevent my insurance from being refused in the future?",{"name":846,"type":7,"value":1213},"how-can-i-prevent-my-insurance-from-being-refused-in-the-future",{"codename":1139,"collection":80,"id":1215,"language":80,"lastModified":1152,"name":1215,"sitemapLocations":1216,"type":851,"workflowStep":831,"workflow":831},"0143cde0-99e0-01c5-f2aa-88d3378f4d34",[],{"elements":1218,"system":1223},{"text":1219,"anchor_id":1221},{"name":187,"type":7,"value":1220},"Specific guidance for high-risk businesses",{"name":846,"type":7,"value":1222},"specific-guidance-for-high-risk-businesses",{"codename":1140,"collection":80,"id":1224,"language":80,"lastModified":1152,"name":1224,"sitemapLocations":1225,"type":851,"workflowStep":831,"workflow":831},"462ee1c5-b722-0116-d356-d206cc2733b0",[],{"elements":1227,"system":1232},{"text":1228,"anchor_id":1230},{"name":187,"type":7,"value":1229},"Can I make a complaint if I’ve been refused an insurance quote?",{"name":846,"type":7,"value":1231},"can-i-make-a-complaint-if-i-ve-been-refused-an-insurance-quote",{"codename":1141,"collection":80,"id":1233,"language":80,"lastModified":1152,"name":1233,"sitemapLocations":1234,"type":851,"workflowStep":831,"workflow":831},"9b116775-3b0d-014c-3fa6-ef26b291ee43",[],{"elements":1236,"system":1241},{"text":1237,"anchor_id":1239},{"name":187,"type":7,"value":1238},"What do I need to consider if I can't get a quote and I operate internationally?",{"name":846,"type":7,"value":1240},"what-do-i-need-to-consider-if-i-cant-get-a-quote-and-i-operate-internationally",{"codename":1142,"collection":80,"id":1242,"language":80,"lastModified":1152,"name":1242,"sitemapLocations":1243,"type":851,"workflowStep":831,"workflow":831},"d335edc7-1799-01ed-af94-e916ba4bc770",[],[],"\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.policybee.co.uk\u002Fblog\u002Fbusiness-insurance-statistics\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">44% of UK SMEs are operating without insurance\u003C\u002Fa> — that’s a lot of businesses putting themselves at risk. But what happens if you’ve tried to get insurance and you’ve been refused a quote? No one wants that hassle.  \u003C\u002Fp>\n\u003Cp>In this guide, we talk through why you could be refused insurance and give detailed steps on what you should try next to sort out cover.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"f14e7f28-c564-4ddd-aeb3-329a063c2fdb\" data-image-id=\"f14e7f28-c564-4ddd-aeb3-329a063c2fdb\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F796d6dec-e845-4bdb-b011-bc259e6916f2\u002FRefused%20business%20insurance%20%281%29%20%281%29.png\" data-asset-id=\"f14e7f28-c564-4ddd-aeb3-329a063c2fdb\" data-image-id=\"f14e7f28-c564-4ddd-aeb3-329a063c2fdb\" alt=\"Bionic graphic with text 'what to do if you're refused business insurance' with a male on the left-hand side and female on the right hand side both looking frustrated. There is a red cross in the middle of the graphic.\">\u003C\u002Ffigure>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n87350a46_bde5_0110_9914_3d8ec803a60a\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Why was my business insurance refused?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Insurers can look at multiple risk factors when deciding whether to insure you. From previously rejected claims to the insurer simply not specialising in your industry – there can be many reasons why it could happen.  Some more complex or high-risk businesses may need to be looked at by a specialist broker to get insured. It can also vary by industry. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Many previous claims\u003C\u002Fstrong>  \u003C\u002Fh3>\n\u003Cp>If you’ve had a previous claim rejected and your policy voided, or your insurer has refused to offer you a renewal quote, then your new insurer might also reject your cover request. \u003C\u002Fp>\n\u003Cp>Similarly, if you have a history of claims made for or against you, you could be considered high risk and not all insurers may be willing to take you on. Insurers' appetite for risks are different, this could be down to your trade, business activities or location or any number of factors. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Financial instability\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you have a poor credit rating, any recent bankruptcies, or County Court Judgements (CCJs), this could make insurers wary as it could indicate you may have issues paying your premium. \u003C\u002Fp>\n\u003Cp>For example, when a company loses clients that account for 50% of its revenue, it could become financially unstable. Insurers might not be willing to take on a company with that much risk involved. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Uninsurable risks\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>An uninsurable risk is what the name suggests — it’s a condition where the risk is considered too large or unlawful for most insurers to cover. In theory, there isn’t anything that cannot be insured – but it’s about finding the right broker that is willing to cover the risk.  \u003C\u002Fp>\n\u003Cp>Insurers don’t take risks like this lightly, and they are not always simple decisions to make.  \u003C\u002Fp>\n\u003Cp>What one insurer deems as too risky, another insurer might be okay with in certain conditions, so there isn’t a one-size-fits-all list. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>High risk\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Some businesses are naturally high risk —  like a fireworks factory or construction workers who work with dangerous machinery. For these businesses, certain “high risk” policies can sometimes be taken as an add-on. \u003C\u002Fp>\n\u003Cp>In some cases, your business may be considered \u003Cem>too high-risk\u003C\u002Fem> for some insurers. For example, working in a factory with unregulated chemicals could cause your insurance cover to be refused when looking to get a quote. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Lack of information or proper documentation\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>For insurance providers to underwrite your business, they need lots of information about your business. This can include details of trading, annual turnover, employees and claims history. If any of this information is incorrect or not provided, your cover could be delayed or refused.  \u003C\u002Fp>\n\u003Cp>It’s best to gather all your documents before you go ahead and get a new quote. Brokers are likely to ask you to provide these documents so they can pass them on to your chosen provider. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Not complying with safety regulations\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If your business is involved in a claim due to not following safety regulations such as \u003Ca href=\"https:\u002F\u002Fwww.legislation.gov.uk\u002Fukpga\u002F1974\u002F37\u002Fcontents\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">The Health and Safety at Work Act 1974\u003C\u002Fa> and \u003Ca href=\"https:\u002F\u002Fwww.legislation.gov.uk\u002Fukpga\u002F1990\u002F16\u002Fcontents\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Food Safety Act 1990\u003C\u002Fa>, your existing policy could be invalidated.  \u003C\u002Fp>\n\u003Cp>Even worse, you could be refused cover in the future, and those \u003Cem>that do offer\u003C\u002Fem> insurance might charge a higher premium.  \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Fraudulent activity or misrepresentation\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you have a record of fraudulent activity or your business has been investigated for insurance fraud, then it’s likely to hurt your chances of being accepted.  \u003C\u002Fp>\n\u003Cp>Even innocent misrepresentation can cause issues. This is where you accidentally enter the wrong information about your business when applying for insurance. For example, guessing you have a concrete roof, when actually it’s made from timber, could mean your policy is void when you come to claim. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Lack of knowledge\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If your insurer doesn’t specialise in your business niche, they could refuse your insurance cover. But that doesn’t mean you can’t get insured, sometimes it’s just not the right fit. If this happens, it’s best to get in touch with someone who can help you find the right insurer — like a broker or the \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">business insurance\u003C\u002Fa> team at Bionic. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Unsuitable roofing\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If your building has an unsuitable roof – like one made with felt and timber, some insurers may decide not to insure you. Without a sturdy, concrete roof, you may be deemed more susceptible to damages \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fprepare-your-business-for-storms-floods-and-bad-weather\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">from storms and bad weather\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Industry specific reasons\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>Construction or \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Ftrade-tradesman\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">trades\u003C\u002Fa> using hazardous materials may be deemed riskier by insurers \u003C\u002Fli>\n  \u003Cli>Takeaways, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fcafe-coffee-shops\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">cafes\u003C\u002Fa> and other \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Ffood-business\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">food businesses\u003C\u002Fa> without a Food Standard Agency rating of 3 or above (or pass in Scotland) may not be able to get a quote from some insurers. However, this doesn’t mean you can’t get a quote entirely, but your choice of insurer may be limited. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Your history as the company director\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>As the company director, your personal financial history could directly affect your eligibility when it comes to getting insured. Bankruptcy, individual voluntary arrangements (IVAs), or being in debt could result in being unable to get a quote from insurers, even when the business's finances appear pretty stable. \u003C\u002Fp>\n\u003Cp>If you have any criminal convictions, especially involving fraud or dishonesty, this could make it even more complicated. But, there may be some specialist insurers that work with businesses facing these challenges, so it may not mean you're completely uninsurable.  \u003C\u002Fp>\n\u003Cp>At Bionic, if you have any criminal convictions, CCJs or bankruptcies, we may still be able to help find a solution for you.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n891327f1_0d61_0179_7b90_c15e62396944\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What should you do if you can’t get an insurance quote?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>If you’ve tried to sort your business insurance but you can't get a quote or cover due to your trade, sums insured, or it’s deemed too risky. Here’s what you should do next: \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Request a detailed explanation\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Knowing the reasons why your insurance quote was denied will help when it comes to reapplying elsewhere. In some cases, the broker and insurer may feel they just can’t offer you proper cover. \u003C\u002Fp>\n\u003Cp>Tara Mitchell – \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Ftara-mitchell\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Insurance Technical Manager\u003C\u002Fa> states - \u003Cem>“It can be distressing if you can’t get an insurance quote, especially if you’re operating without cover while you sort it out. Know you are within your right to ask your insurance provider for an explanation of why your insurance was denied when you tried to get a quote. You can request a written answer, and your insurer should send one. This can help you put any issues right, or find an alternative provider”\u003C\u002Fem> \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Consider alternative insurance providers\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you’re not having much luck, it might be time to explore other options. Some insurers may approach risk assessment differently, or you could even find an insurance provider through a broker that specialises in your business area. \u003C\u002Fp>\n\u003Cp>At Bionic, we can help to insure businesses of all sizes in trades, retail, manufacturing, hospitality and much more. Get in touch with our insurance team today by starting a quote in the right-hand bar to get started. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n2d735484_6c2b_015d_3708_6a0f6c8a6d6c\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Will getting rejected affect future attempts to get insurance?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>This depends on your situation and the reasons why you couldn’t get a quote in the first place. \u003C\u002Fp>\n\u003Cp>But one thing is for sure, when going through the process of getting a quote with a broker, you have to answer questions truthfully and to the best of your knowledge.  \u003C\u002Fp>\n\u003Cp>If you can’t get a quote, sometimes it’s down to sums insured, trade or risk but if they ask about any previously denied claims, you need to give them an honest answer. Ultimately, it’s then up to the insurer whether they decide to offer you cover, and it’s in their right to refuse. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"bf4538a2_69e7_0126_3a7b_0cab37da6af5\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>If I can’t get a quote, will this affect my ability to operate legally?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>This depends. Two types of business insurance are legally required in some circumstances: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Employers’ liability insurance - if you have one or more employees. If you can’t get this insurance, you won’t be able to operate legally. \u003C\u002Fli>\n  \u003Cli>Business motor insurance -  Your motor insurer will need to be informed if you use your vehicle for business purposes. If you have a van for business, it is a legal requirement to purchase motor insurance. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>At Bionic, unfortunately, we can’t cover you for business motor insurance. \u003C\u002Fp>\n\u003Cp>\u003Cem>Imagine you own a takeaway that delivers using vehicles, then you may need a policy that includes occasional business use, if using employee vehicles to deliver or collect. If you’re unable to get a quote for business motor insurance. Then, in this case, you won’t be able to operate legally, and if you still go ahead, you won’t be covered for accidents, or liabilities which could put you at risk of hefty legal costs and damages. Not to mention, you might get yourself and your business in trouble with the law.\u003C\u002Fem> \u003C\u002Fp>\n\u003Cp>\u003Cem>But, you can get \u003C\u002Fem>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Ftakeaway\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">\u003Cem>takeaway insurance\u003C\u002Fem>\u003C\u002Fa>\u003Cem> for your premises and the vehicles you operate separately from different insurers. If one insurer can’t help you cover both the vehicles you have and your business premises, then it is possible to secure these covers with different providers to give you the legal protection and peace of mind you need.\u003C\u002Fem> \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n472a25e2_0528_01f9_a866_4e6daf803016\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How can I find alternative insurance providers?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>It’s not always the end of the world if you can't get a quote in the first place. There are other options, like speaking to a broker to explore alternative insurers. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Speak to a broker first\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Experienced insurance brokers offer advantages over going direct to insurers. They normally have access to a broad selection of insurers for different business types. They can present options available to you, saving you time and hassle. \u003C\u002Fp>\n\u003Cp>They could potentially speak to insurers about your specific situation, explain the circumstances that led to previous quote refusals, and come back with your options. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Specialist high-risk insurers\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Some brokers work with insurers who specialise in difficult-to-place risks or specific high-risk sectors – like construction. These providers understand risky industries and can often offer cover that general business insurers won't consider. \u003C\u002Fp>\n\u003Cp>They tend to also look at risks differently and may offer cover with modified terms instead of refusing completely. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Niche insurance providers\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>You may need to go down the specific industry route, where you opt for an insurer that has specific experience in your niche. These providers may understand your business type better than national companies and could offer more flexible options for cover. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n287077e3_89d7_017f_75fa_91a351c2f815\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>If I can't get a quote, will this affect applying for insurance in the future?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>It’s possible that when you’ve been refused cover in the past, it could affect future quotability. But it doesn’t always mean you are uninsurable if handled correctly. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n7eed2ed6_9377_011a_7cdf_9ad6c7e73486\">\u003C\u002Fobject>\n\u003Ch2>What if I’ve had claims denied in the past? \u003C\u002Fh2>\n\u003Cp>If you’ve had previous claims refused, it could be for non-compliance with a condition, and may therefore result in additional terms, conditions or exclusions being applied to the policy. But you may be able to demonstrate an improvement to your risk profile with relevant risk management in place.  \u003C\u002Fp>\n\u003Cp>For example, you take steps to reduce the risks that caused the refusal in the first place like better health and safety procedures or property maintenance.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n0143cde0_99e0_01c5_f2aa_88d3378f4d34\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How can I prevent my insurance from being refused in the future?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>If you take steps to reduce risks within your business, then you may find things are more straightforward when it comes to arranging your next business insurance policy. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Risk management best practices\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>Make sure you have professionally written health and safety policies relevant to your specific business activities. Always carry out regular risk assessments, keep staff trained and \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fworkplace-accident-employer-responsibilities\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">report any accidents or injuries\u003C\u002Fa> using the RIDDOR framework. Clearly document that you take risk reducing measures seriously. \u003C\u002Fli>\n  \u003Cli>When it comes to your building, make sure you have proper security measures in place, including burglar alarms, CCTV systems, and secure storage for valuable \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fbusiness-equipment-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">equipment\u003C\u002Fa> or stock. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Make sure your business is financially stable\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>It’s really important to keep your books in order, especially if you’ve had financial issues in the past. Always pay suppliers on time and keep some cash reserves. It’s good to know that some insurers may work with your credit score and, therefore, good credit ratings can potentially improve your attractiveness to insurers. \u003C\u002Fli>\n  \u003Cli>If you’re books aren’t accurate and you need to improve them, consider working with a qualified accountant to improve financial reporting and demonstrate business stability.  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Comply with safety regulations\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>As mentioned earlier – proper health and safety is really important to follow, especially if you are in the hospitality business – like a pub or restaurant.  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Read up on health and safety requirements specific to your business niche. Not following procedures could create extra risks that insurers want to avoid. \u003C\u002Fli>\n  \u003Cli>As well as procedures, make sure you have the right \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbusiness-licences\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">business licences\u003C\u002Fa> to run your business or have memberships to professional bodies relevant to your industry – like those for accountants. Having these in place demonstrates you hold professional standards and show a commitment to following best practices. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Document and keep detailed records\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>Keep detailed records of all business operations, safety measures, and improvements you’ve made to reduce risks. This documentation supports future applications and demonstrates professional management. \u003C\u002Fli>\n  \u003Cli>Include staff training records, equipment maintenance schedules, and any professional advice you've taken on board. Well-documented businesses can appear more professional, and it may even help lower you’re premium.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n462ee1c5_b722_0116_d356_d206cc2733b0\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Specific guidance for high-risk businesses\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Whether you run a kebab shop or a bridal shop - different industries face unique challenges when looking for insurance after being refused a quote, so looking at specific guidance can be helpful. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Construction and trades\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Construction businesses naturally run into lots of risks, due to the increased risk of accidents from working at heights and with dangerous machinery.  If this is you – listen up. \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Always take health and safety management seriously by carrying out regular risk assessments, training staff to high standards and ensuring you have the right PPE – Personal Protective Equipment like safety footwear, helmets and gloves. \u003C\u002Fli>\n  \u003Cli>Have emergency response plans in place in case the worst happens, with clear evacuation routes – this can go a long way in showing insurers you are reducing the risk of injury. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Hospitality and food business cover\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>Conduct regular risk assessments to make sure you and your staff know all the risks that could happen. This includes things like trips, spills and fires  \u003C\u002Fli>\n  \u003Cli>It goes without saying that you should ensure proper food safety and maintain excellent hygiene ratings to keep customers safe \u003C\u002Fli>\n  \u003Cli>Document your staff training programmes, make sure you label allergens, and keep your equipment maintained. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Professional services protection\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Businesses that fall under professional services often need professional indemnity insurance – if this is you, read on. \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Make sure you keep detailed client records, especially contractual terms. \u003C\u002Fli>\n  \u003Cli>Keep any professional development records and proof of professional body memberships. This can show insurers that you operate your business professionally and are taking steps to reduce liability risks. \u003C\u002Fli>\n  \u003Cli>If you can’t get indemnity cover with your broker and you need it to practice, then look into specialist professional risks insurers who may be able to help further \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n9b116775_3b0d_014c_3fa6_ef26b291ee43\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Can I make a complaint if I’ve been refused an insurance quote?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Even if you think you should complain, it might be a better idea to try a different broker to try to find insurance elsewhere. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Speak to another broker\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Often, brokers have a select panel of insurers they work with, so a different broker may have a different panel to choose from.  \u003C\u002Fp>\n\u003Cp>If you have tried getting a quote with us at Bionic, you can find another broker through BIBA (\u003Ca href=\"https:\u002F\u002Fwww.biba.org.uk\u002Ffind-insurance\u002Fcommercial-commercial-business\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">British Insurer’s Brokers Association.\u003C\u002Fa>) \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"d335edc7_1799_01ed_af94_e916ba4bc770\">\u003C\u002Fobject>\n\u003Ch3>\u003Cstrong>What do I need to consider if I can't get a quote and I operate internationally?\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you’ve been refused commercial insurance and you operate overseas, then this can be even more complicated to find cover. Here’s what you can do:  \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Find cross-border business coverage\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>Not all standard UK brokers offer cross-border coverage – this is insurance cover if you run your business overseas, even partly. \u003C\u002Fli>\n  \u003Cli>This type of cover is often offered by specialist insurers that operate in international markets. They often understand different legalities and risks associated in different countries. \u003C\u002Fli>\n  \u003Cli>So, if you find your business has been refused cover, and you operate overseas – then you might not be at fault. Instead, the insurer you are using may not be right for your business needs. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>At Bionic, we can help insure you if you are a UK based company and export or important goods, but we cannot insure global operations that are not UK based. Get it touch with us today for more support. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Look into export credit insurance\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you’re a small business exporting goods or services overseas you may need export credit insurance to protect against customers or suppliers not paying you. This is a specialist cover and requires experienced insurers who are familiar with international trade risks.  There is also a UK credit risk. \u003C\u002Fp>\n\u003Cp>Again, not all brokers will offer this type of insurance so you might not be able to get a quote, simply because they can’t offer it.  \u003C\u002Fp>\n\u003Cp>At Bionic, unfortunately, we are unable to offer export credit insurance for your business.  \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>How Bionic can help\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>If you can’t get an insurance quote and you don’t know why – don't fret – it may not even be your fault. The first thing to do is to find out why, and then look for alternative solutions. Sometimes this may mean trying another broker who is more suitable, or tightening up the way you run your business to demonstrate better risk management.  \u003C\u002Fp>\n\u003Cp>If you need help sorting out a new insurance provider. Get in touch with the team at Bionic who can help sort your business essentials, including \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">business insurance\u003C\u002Fa>, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-energy\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">business energy\u003C\u002Fa> and \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">phone and broadband\u003C\u002Fa>, including \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002Fbusiness-voip\u002F\">VoIP\u003C\u002Fa>. \u003C\u002Fp>",{"name":955,"type":14,"value":1247,"linkedItems":1248},[957],[],{"name":960,"type":14,"value":1250,"linkedItems":1251},[962],[],{"name":965,"type":966,"value":1253,"displayTimeZone":968},"2025-09-12T00:17:00Z",{"name":970,"type":966,"value":831,"displayTimeZone":831},{"name":972,"type":11,"value":1256},"what-happens-if-youre-refused-business-insurance\u002F",{"name":975,"type":7,"value":1122},{"name":978,"type":7,"value":1259},"What happens if you’ve tried to get an insurance quote and you’ve been refused? There are many reasons why you might get rejected. Find out what you should do next in this guide.",{"name":981,"type":982,"value":1261},[1262],{"name":985,"codename":986},{"name":988,"type":7,"value":1264},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fwhat-happens-if-youre-refused-business-insurance\u002F",{"name":991,"type":14,"value":1266,"linkedItems":1267},[],[],{"name":995,"type":14,"value":1269,"linkedItems":1270},[997],[],{"name":1000,"type":14,"value":1272,"linkedItems":1273},[],[],{"name":1005,"type":14,"value":1275,"linkedItems":1276},[],[],{"name":1009,"type":22,"value":1278},[1279],{"name":1280,"description":1128,"type":27,"size":1281,"url":1130,"width":804,"height":803,"renditions":1282},"Refused business insurance (1) (1).png",417748,{},{"name":1016,"type":982,"value":1284},[1285],{"name":1019,"codename":1020},{"name":1022,"type":982,"value":1287},[1288],{"name":985,"codename":986},{"name":1026,"type":982,"value":1290},[1291],{"name":985,"codename":986},{"name":1030,"type":982,"value":1293},[1294],{"name":1019,"codename":1020},{"codename":787,"collection":80,"id":1296,"language":80,"lastModified":1152,"name":1297,"sitemapLocations":1298,"type":1037,"workflowStep":86,"workflow":80},"698c1f29-dced-4a66-a9a9-94529c1b98ed","INSURANCE GUIDE - What Happens if You're Refused Business Insurance?",[],{"elements":1300,"system":1428},{"post__title":1301,"post__summary":1303,"post__content":1305,"post__author":1378,"post__reviewer":1382,"publish_date":1385,"updated_date":1387,"url":1388,"seo__meta_title":1390,"seo__meta_description":1392,"seo__add_no_index_tag":1394,"seo__canonical_url":1397,"related_articles":1399,"categories":1402,"subfolder":1405,"tags":1408,"thumbnail_image":1411,"show_on_index_page":1417,"hide_author":1420,"hide_reviewer":1423,"hide_tags":1425},{"name":145,"type":7,"value":1302},"Company vehicles: what happens if you’re caught driving without insurance?",{"name":795,"type":7,"value":1304},"If you use company cars or vans for your business, you'll need to make sure they're properly insured. But what happens if a member of staff is caught driving without valid insurance? Read on to find out more.",{"images":1306,"linkedItemCodenames":1313,"linkedItems":1320,"links":1376,"name":952,"type":188,"value":1377},[1307],{"description":1308,"imageId":1309,"url":1310,"height":1311,"width":1312},"Male delivery driver sat in the driving seat of a car with a food delivery on the next seat","a77fce10-f150-415b-8dd1-d04c76f15b73","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F252ad5cf-64c3-46f7-92e5-0c149895d737\u002FGettyImages-1288691796%20%281%29.jpg",1414,2121,[1314,1315,1316,1317,1318,1319],"b59301da_1fc6_01d2_46c8_2eb5c284da61","n281e9b08_9196_016c_774f_f7aae80adb25","n8a90d978_5263_0131_9387_b245c8302049","n7e8275fc_58fa_010f_a206_0de9c4b8c19c","c4dde528_8f8b_0139_eee0_c7c1598accdd","f7d56f34_b180_0199_f465_a6bcf442b4dd",[1321,1331,1340,1349,1358,1367],{"elements":1322,"system":1327},{"text":1323,"anchor_id":1325},{"name":187,"type":7,"value":1324},"What is a company car?",{"name":846,"type":7,"value":1326},"what-is-a-company car",{"codename":1314,"collection":80,"id":1328,"language":80,"lastModified":1329,"name":1328,"sitemapLocations":1330,"type":851,"workflowStep":831,"workflow":831},"b59301da-1fc6-01d2-46c8-2eb5c284da61","2025-06-20T14:49:06.9431681Z",[],{"elements":1332,"system":1337},{"text":1333,"anchor_id":1335},{"name":187,"type":7,"value":1334},"When would employees use a company car?",{"name":846,"type":7,"value":1336},"when-would-employees-use-a-company-car",{"codename":1315,"collection":80,"id":1338,"language":80,"lastModified":1329,"name":1338,"sitemapLocations":1339,"type":851,"workflowStep":831,"workflow":831},"281e9b08-9196-016c-774f-f7aae80adb25",[],{"elements":1341,"system":1346},{"text":1342,"anchor_id":1344},{"name":187,"type":7,"value":1343},"What are the laws for driving a company vehicle?",{"name":846,"type":7,"value":1345},"what-are-the-laws-for-driving-a-company-vehicle",{"codename":1316,"collection":80,"id":1347,"language":80,"lastModified":1329,"name":1347,"sitemapLocations":1348,"type":851,"workflowStep":831,"workflow":831},"8a90d978-5263-0131-9387-b245c8302049",[],{"elements":1350,"system":1355},{"text":1351,"anchor_id":1353},{"name":187,"type":7,"value":1352},"Who is responsible for the insurance?",{"name":846,"type":7,"value":1354},"who-is-responsible-for-the-insurance?",{"codename":1317,"collection":80,"id":1356,"language":80,"lastModified":1329,"name":1356,"sitemapLocations":1357,"type":851,"workflowStep":831,"workflow":831},"7e8275fc-58fa-010f-a206-0de9c4b8c19c",[],{"elements":1359,"system":1364},{"text":1360,"anchor_id":1362},{"name":187,"type":7,"value":1361},"Is driving without insurance a criminal offence?",{"name":846,"type":7,"value":1363},"is-driving-without-insurance-a-criminal-offence",{"codename":1318,"collection":80,"id":1365,"language":80,"lastModified":1329,"name":1365,"sitemapLocations":1366,"type":851,"workflowStep":831,"workflow":831},"c4dde528-8f8b-0139-eee0-c7c1598accdd",[],{"elements":1368,"system":1373},{"text":1369,"anchor_id":1371},{"name":187,"type":7,"value":1370},"What are the penalties for driving without insurance?",{"name":846,"type":7,"value":1372},"what-are-the-penalties-for-driving-without-insurance",{"codename":1319,"collection":80,"id":1374,"language":80,"lastModified":1329,"name":1374,"sitemapLocations":1375,"type":851,"workflowStep":831,"workflow":831},"f7d56f34-b180-0199-f465-a6bcf442b4dd",[],[],"\u003Cp>There are over \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fgovernment\u002Fpublications\u002Fplan-for-drivers\u002Fthe-plan-for-drivers\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">50 million people with a driving licence in the UK and around 40 million licenced vehicles\u003C\u002Fa> — that’s a lot of cars on the road! \u003C\u002Fp>\n\u003Cp>As a small business owner, you might have a few cars or vans shipping out deliveries or your sales team on hand to secure a deal. But what happens if a member of staff is caught driving without valid insurance? And what does this mean for your business? \u003C\u002Fp>\n\u003Cp>In this Bionic guide, we’ll walk you through everything you need to know about company vehicles and who needs to make sure that the vehicle is insured.  \u003C\u002Fp>\n\u003Cfigure data-asset-id=\"a77fce10-f150-415b-8dd1-d04c76f15b73\" data-image-id=\"a77fce10-f150-415b-8dd1-d04c76f15b73\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F252ad5cf-64c3-46f7-92e5-0c149895d737\u002FGettyImages-1288691796%20%281%29.jpg\" data-asset-id=\"a77fce10-f150-415b-8dd1-d04c76f15b73\" data-image-id=\"a77fce10-f150-415b-8dd1-d04c76f15b73\" alt=\"Male delivery driver sat in the driving seat of a car with a food delivery on the next seat\">\u003C\u002Ffigure>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"b59301da_1fc6_01d2_46c8_2eb5c284da61\">\u003C\u002Fobject>\n\u003Ch2>What is a company car? \u003C\u002Fh2>\n\u003Cp>First and foremost, let’s get down to the basics. A company car is a vehicle your business owns and provides to employees for work-related purposes such as client or supplier meetings or even food deliveries. \u003C\u002Fp>\n\u003Cp>It's like a perk that helps your team get from point A to point B and also a representation of your brand on the road!  \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n281e9b08_9196_016c_774f_f7aae80adb25\">\u003C\u002Fobject>\n\u003Ch2>When would employees use a company car? \u003C\u002Fh2>\n\u003Cp>A company car can be a great incentive for employees who prefer to work independently. Here are some reasons why employees might need to drive a company car: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Client meetings \u003C\u002Fstrong>—  If your team often meets with clients and customers, a company car can be invaluable. It allows your employees to travel in style and comfort and really push your name out there.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Sales and marketing \u003C\u002Fstrong>— For your sales team, a company car can be a real game-changer. Whether they’re attending industry events, visiting potential clients or doing important product demonstrations, having reliable vehicles can make all the difference.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Service calls \u003C\u002Fstrong>— If your business provides services with on-site visits like plumbing, electrical work or landscaping, you’ll first want to ensure you’re covered with \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Ftradesman-insurance\u002F\">tradesman\u003C\u002Fa> insurance. Secondly, a company car or van ensures employees can get to job sites on time and work efficiently.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Deliveries and logistics \u003C\u002Fstrong>— If your business delivers products, takeaways, or provides logistical support, you’ll know how often you rely on your company vehicle to transport goods from place to place. Whether delivering packages or moving equipment, having a dedicated fleet helps get things done. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Employee commuting \u003C\u002Fstrong>— Some businesses even go one step further and offer company cars as part of their employee benefits package, allowing staff to use them for their daily commute. This can be a big incentive for recruitment and retention within your business — especially for employees who don’t have their own mode of transportation.  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n8a90d978_5263_0131_9387_b245c8302049\">\u003C\u002Fobject>\n\u003Ch2>What are the laws for driving a company vehicle? \u003C\u002Fh2>\n\u003Cp>When your staff are driving their company vehicle, there are some responsibilities and rules of the road they’ll have to abide by. \u003C\u002Fp>\n\u003Ch3>Compliance with traffic laws \u003C\u002Fh3>\n\u003Cp>It may seem obvious, but sometimes the obvious needs to be said, especially when your business has its name attached.  \u003C\u002Fp>\n\u003Cp> All employees who drive a company vehicle \u003Cstrong>must follow and obey all traffic rules\u003C\u002Fstrong>. This includes everything from speed limits to traffic signals and road signs. If an employee fails to comply with these rules, it can result in some hefty fines, legal issues, points on their licence and a bad reputation for the company.  \u003C\u002Fp>\n\u003Ch3>Have a valid driving licence \u003C\u002Fh3>\n\u003Cp>To drive a company vehicle in the UK, all employees must have a valid driver's licence for the type of vehicle they’ll be operating.  \u003C\u002Fp>\n\u003Cp> As a business owner, make sure your team's licences are up to date, and they don’t have any driving convictions that mean they legally can’t be on the road. \u003C\u002Fp>\n\u003Ch3>Vehicle tax and MOT \u003C\u002Fh3>\n\u003Cp>Like any other vehicle in the UK, company cars must be properly taxed and have a valid MOT certificate. \u003C\u002Fp>\n\u003Cp>You can tax your vehicle on the \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fvehicle-tax\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">GOV.UK website\u003C\u002Fa>.  \u003C\u002Fp>\n\u003Cp>It’s also a good idea to place a copy of the MOT and insurance certificate in the glove box of each company vehicle. This can help reassure your staff that the legal requirements have been met, and, if needed, they can present these documents to the police if they’re pulled over.  \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n7e8275fc_58fa_010f_a206_0de9c4b8c19c\">\u003C\u002Fobject>\n\u003Ch2>Who is responsible for the insurance? \u003C\u002Fh2>\n\u003Cp>In \u003Ca href=\"https:\u002F\u002Fwww.mib.org.uk\u002Freducing-uninsured-driving\u002Fwhat-we-do\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">2023, the Motor Insurers Bureau helped the police seize more than 130,000\u003C\u002Fa> uninsured vehicles – that's a whole lot of people driving without insurance. \u003C\u002Fp>\n\u003Cp>And, when it comes to the responsibilities of insurance, this can be a bit of a grey area. But who is responsible? The employer or the employee? \u003C\u002Fp>\n\u003Cp>In simple terms, it’s the responsibility of the \u003Cstrong>employer \u003C\u002Fstrong>to seek insurance as it’s \u003Cstrong>you \u003C\u002Fstrong>who owns the vehicle, not your employee.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"c4dde528_8f8b_0139_eee0_c7c1598accdd\">\u003C\u002Fobject>\n\u003Ch2>Is driving without insurance a criminal offence? \u003C\u002Fh2>\n\u003Cp>Yes, driving without insurance is a serious criminal offence, regardless of whether it’s you as the business owner or another member of staff driving the vehicle.  \u003C\u002Fp>\n\u003Cp>Insurance is designed to cover and protect yourself and other road users should you get into an accident and there are costs associated with it.  \u003C\u002Fp>\n\u003Cp>The minimum level of insurance that businesses need is third-party insurance — this will only cover the costs of others in an accident.\u003C\u002Fp>\n\u003Cp>But, most companies opt for comprehensive cover, as it covers the costs following an accident as well as losses from fire and theft.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"f7d56f34_b180_0199_f465_a6bcf442b4dd\">\u003C\u002Fobject>\n\u003Ch2>What are the penalties for driving without insurance? \u003C\u002Fh2>\n\u003Cp>Driving any vehicle without insurance is against the law, and the consequences can be bad for your employees and your business.  \u003C\u002Fp>\n\u003Cp>If you or one of your employees are caught driving a company vehicle without insurance, at a minimum, the police can: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Give a fixed penalty fine of £300 \u003C\u002Fli>\n  \u003Cli>Hand out 6 penalty points on a driving licence \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>The police will decide whether more serious cases — driving without passing a driving test, giving false details or driving a high-risk vehicle — without insurance warrants the case being handled in court.  \u003C\u002Fp>\n\u003Cp>Under this, a court can issue: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>A fine of any amount \u003C\u002Fli>\n  \u003Cli>Disqualification from driving \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>The police also have the power to seize and, in some cases, destroy a vehicle driven uninsured. \u003C\u002Fp>\n\u003Cp>\u003Cstrong>You, the business owner, \u003C\u002Fstrong>may also be liable for other costs, including: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Higher car insurance premiums in the future \u003C\u002Fli>\n  \u003Cli>Any costs associated with the accident, such as a third-party \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>These offences can have a serious knock-on effect on your business.  Find out more about \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fvehicle-insurance\u002Fdriving-without-insurance#:~:text=The%20police%20could%20give%20you,disqualified%20from%20driving\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">fines on the government site\u003C\u002Fa>.\u003C\u002Fp>\n\u003Ch2>Keep your business on the move with Bionic \u003C\u002Fh2>\n\u003Cp>No matter whether it's your sales team or employees commuting to work, making sure your employees have proper insurance in place to drive company vehicles is crucial. Without it, you’re potentially putting your business and your employees at risk. \u003C\u002Fp>\n\u003Cp>If you want to find out more about the different insurance we offer here at Bionic, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\">compare business insurance\u003C\u002Fa> or start a quote online today - our knowledgeable insurance team are on hand to help. Or, head over to our insurance guides to find out more about business insurance.\u003C\u002Fp>",{"name":955,"type":14,"value":1379,"linkedItems":1381},[1380],"author___james_barwell",[],{"name":960,"type":14,"value":1383,"linkedItems":1384},[],[],{"name":965,"type":966,"value":1386,"displayTimeZone":968},"2024-03-28T16:00:00Z",{"name":970,"type":966,"value":831,"displayTimeZone":831},{"name":972,"type":11,"value":1389},"company-vehicles-caught-driving-without-insurance\u002F",{"name":975,"type":7,"value":1391},"Company Vehicles: Driving Without Insurance | Bionic",{"name":978,"type":7,"value":1393},"If an employee is caught driving a company vehicle without insurance, it can be bad for business. Read more in this Bionic guide.",{"name":981,"type":982,"value":1395},[1396],{"name":985,"codename":986},{"name":988,"type":7,"value":1398},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fcompany-vehicles-caught-driving-without-insurance\u002F",{"name":991,"type":14,"value":1400,"linkedItems":1401},[],[],{"name":995,"type":14,"value":1403,"linkedItems":1404},[997],[],{"name":1000,"type":14,"value":1406,"linkedItems":1407},[],[],{"name":1005,"type":14,"value":1409,"linkedItems":1410},[],[],{"name":1009,"type":22,"value":1412},[1413],{"name":1414,"description":1308,"type":406,"size":1415,"url":1310,"width":1312,"height":1311,"renditions":1416},"GettyImages-1288691796 (1).jpg",195712,{},{"name":1016,"type":982,"value":1418},[1419],{"name":1019,"codename":1020},{"name":1022,"type":982,"value":1421},[1422],{"name":985,"codename":986},{"name":1026,"type":982,"value":1424},[],{"name":1030,"type":982,"value":1426},[1427],{"name":1019,"codename":1020},{"codename":788,"collection":80,"id":1429,"language":80,"lastModified":1329,"name":1430,"sitemapLocations":1431,"type":1037,"workflowStep":86,"workflow":80},"5f78d8cb-d7ed-4b82-b7cf-0c4b2543562a","INSURANCE GUIDE - Company vehicles: What Happens if You’re Caught Driving Without Insurance?",[],{"codename":138,"collection":80,"id":1433,"language":80,"lastModified":1434,"name":1435,"sitemapLocations":1436,"type":1437,"workflowStep":86,"workflow":80},"0bf0e3e9-8e26-4191-be9d-2d0383d74d8e","2026-02-25T17:01:53.38987Z","Content Block - Guides - Warehouse",[],"content_block___guides",{"elements":1439,"system":1463},{"title_left":1440,"text_left":1442,"cta_button_text":1448,"cta_link_url":1450,"image_right":1452},{"name":566,"type":7,"value":1441},"Not your usual boring business content!",{"images":1443,"linkedItemCodenames":1444,"linkedItems":1445,"links":1446,"name":161,"type":188,"value":1447},[],[],[],[],"\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. 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