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Sticky CTA - Sandwich shop",[],"content_block__sticky__cta",{"elements":161,"system":171},{"text_left":162,"text_middle":165,"text_right":168},{"name":163,"type":7,"value":164},"Text Left","Bionic specialises in business insurance for small businesses, like sandwich shops",{"name":166,"type":7,"value":167},"Text Middle","Get cover to protect against claims from employees, customers & more. No unnecessary extras",{"name":169,"type":7,"value":170},"Text Right","Bionic is trusted by UK businesses and won 'Highly Commended' at the 2025 Insurance Broker Awards",{"codename":123,"collection":80,"id":172,"language":80,"lastModified":173,"name":174,"sitemapLocations":175,"type":176,"workflowStep":86,"workflow":80},"f649d491-4f2a-414c-bc1a-a46e39877d19","2026-03-31T15:52:48.6421133Z","Content Block - USP - Sandwich shop",[],"content_block___usp_",{"elements":178,"system":192},{"title_accent":179,"title":182,"text":184},{"name":180,"type":7,"value":181},"Title Accent","What is...",{"name":147,"type":7,"value":183},"sandwich shop insurance?",{"images":185,"linkedItemCodenames":186,"linkedItems":187,"links":188,"name":189,"type":190,"value":191},[],[],[],[],"Text","rich_text","\u003Cp>Running a sandwich shop is all about serving up fresh, tasty bites. But, behind the counter, there’s always the risk that something could go wrong.\u003C\u002Fp>\n\u003Cp>From accidents to your panini press breaking down, sandwich shop insurance helps protect you when the unexpected happens. Whether you run a deli on the high street or a grab-and-go sandwich bar, tailored sandwich shop insurance makes sure that your business, staff and stock are covered. \u003C\u002Fp>",{"codename":124,"collection":80,"id":193,"language":80,"lastModified":194,"name":195,"sitemapLocations":196,"type":197,"workflowStep":86,"workflow":80},"a41e8472-4a5c-4477-8aff-1d3e94096141","2025-04-10T11:19:35.6725431Z","Content Block - One Column Styled - What is sandwich shop insurance?",[],"content_block___one_column_styled_heading",{"elements":199,"system":221},{"title":200,"text":202,"theme":208},{"name":147,"type":7,"value":201},"What type of sandwich shops can you cover?",{"images":203,"linkedItemCodenames":204,"linkedItems":205,"links":206,"name":189,"type":190,"value":207},[],[],[],[],"\u003Cp>No matter how you slice it, sandwich shops come in all shops and sizes. Whether you own a:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Highstreet deli\u003C\u002Fli>\n  \u003Cli>Takeaway sandwich bar\u003C\u002Fli>\n  \u003Cli>Sandwich or mobile catering unit\u003C\u002Fli>\n  \u003Cli>Snack bars serving sandwiches alongside drinks and other foods\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Bionic can help you find insurance tailored to your specific business needs. \u003C\u002Fp>",{"name":70,"type":14,"value":209,"linkedItems":211},[210],"content_block___theme___navy",[212],{"elements":213,"system":216},{"colour":214},{"name":77,"type":7,"value":215},"Navy",{"codename":210,"collection":80,"id":217,"language":80,"lastModified":218,"name":219,"sitemapLocations":220,"type":85,"workflowStep":86,"workflow":80},"324b67a1-399c-4efe-a4b4-791af801a4fd","2024-11-08T10:57:29.8395583Z","Content Block - Theme - Navy",[],{"codename":125,"collection":80,"id":222,"language":80,"lastModified":223,"name":224,"sitemapLocations":225,"type":226,"workflowStep":86,"workflow":80},"cf769c52-e906-4bff-a5cf-5b7cc43ccf90","2025-04-15T09:21:06.8601767Z","Content Block - One Column - What type of sandwich shops and bars can you cover?",[],"content_block___one_column",{"elements":228,"system":240},{"title":229,"text":231,"theme":237},{"name":147,"type":7,"value":230},"Why do sandwich businesses need insurance?",{"images":232,"linkedItemCodenames":233,"linkedItems":234,"links":235,"name":189,"type":190,"value":236},[],[],[],[],"\u003Cp>When you’re juggling fresh ingredients, loyal customers, and a busy workday, one unexpected mishap can derail your business. \u003C\u002Fp>\n\u003Cp>Having the right insurance in place is key for sandwich shops as you could have to pay out hefty legal fees, compensation or financial losses if something goes wrong, like:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>A customer claims they got food poisoning from a sandwich you served\u003C\u002Fli>\n  \u003Cli>A customer slips and falls in your shop\u003C\u002Fli>\n  \u003Cli>Your equipment is stolen\u003C\u002Fli>\n  \u003Cli>A fire or disaster damages your shop\u003C\u002Fli>\n  \u003Cli>Your stock of ingredients spoils due to a power outage\u003C\u002Fli>\n  \u003Cli>An employee gets injured while working\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Sandwich shop insurance helps cover your losses if a claim is made against you or if you need to make a claim.\u003C\u002Fp>",{"name":70,"type":14,"value":238,"linkedItems":239},[72],[74],{"codename":126,"collection":80,"id":241,"language":80,"lastModified":242,"name":243,"sitemapLocations":244,"type":226,"workflowStep":86,"workflow":80},"7e3704ab-0019-4a05-a593-5c56f5bf8335","2025-04-10T11:21:14.9575676Z","Content Block - One Column - Why do sandwich businesses need insurance?",[],{"elements":246,"system":359},{"title":247,"text":249,"cards":255},{"name":147,"type":7,"value":248},"What does sandwich shop insurance cover?",{"images":250,"linkedItemCodenames":251,"linkedItems":252,"links":253,"name":189,"type":190,"value":254},[],[],[],[],"\u003Cp>At Bionic, we know every sandwich shop business is unique, so insurance packages could include a combination of the covers below. Policies will vary per provider for sandwich shop insurance, and limits and exclusions apply. 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Carousel Card - Stock and contents - Restaurant",[],{"codename":127,"collection":80,"id":360,"language":80,"lastModified":361,"name":362,"sitemapLocations":363,"type":364,"workflowStep":86,"workflow":80},"56f2e785-43f2-4776-be2e-bd98023331b3","2025-04-15T09:23:04.2901289Z","Content Block - Carousel - What does sandwich shop insurance cover?",[],"content_block___carousel",{"elements":366,"system":387},{"title":367,"text":368,"cta_button_text":369,"cta_link_url":370,"tagline":372,"theme":374},{"name":147,"type":7,"value":55},{"name":189,"type":7,"value":55},{"name":48,"type":7,"value":49},{"name":51,"type":7,"value":371},"https:\u002F\u002Fbusiness-insurance.bionic.co.uk\u002F?ppcref=seogeneric",{"name":33,"type":7,"value":373},"Or speak to one of our team on 0800 032 7925",{"name":70,"type":14,"value":375,"linkedItems":377},[376],"content_block___theme___blue_b7fc496",[378],{"elements":379,"system":382},{"colour":380},{"name":77,"type":7,"value":381},"Blue",{"codename":376,"collection":80,"id":383,"language":80,"lastModified":384,"name":385,"sitemapLocations":386,"type":85,"workflowStep":86,"workflow":80},"b7fc4968-c2c4-48e1-9156-4ae5a909ec6b","2025-03-19T11:34:55.677362Z","Content Block - Theme - Blue",[],{"codename":128,"collection":80,"id":388,"language":80,"lastModified":389,"name":390,"sitemapLocations":391,"type":392,"workflowStep":86,"workflow":80},"07b7f0d1-d4fd-4b0a-8e3d-e0e2ac7a25bf","2026-01-23T17:20:23.0377362Z","Content Block - CTA - Start a quote online",[],"content_block__cta",{"elements":394,"system":406},{"title":395,"text":397,"theme":403},{"name":147,"type":7,"value":396},"What doesn’t it cover?",{"images":398,"linkedItemCodenames":399,"linkedItems":400,"links":401,"name":189,"type":190,"value":402},[],[],[],[],"\u003Cp>Sandwich shop insurance won’t cover everything, and some exclusions apply, such as:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Intentional damage\u003C\u002Fstrong> – Damage caused on purpose isn’t covered.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Neglect\u003C\u002Fstrong> – Not keeping up with regular maintenance or negligence in food storage could void your cover.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>General wear and tear\u003C\u002Fstrong> – Normal ageing or wear on equipment and stock isn’t included.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Double-check your policy details or speak to our team if you have any questions about what’s covered and what isn’t.\u003C\u002Fp>",{"name":70,"type":14,"value":404,"linkedItems":405},[72],[74],{"codename":129,"collection":80,"id":407,"language":80,"lastModified":408,"name":409,"sitemapLocations":410,"type":226,"workflowStep":86,"workflow":80},"e9f6740f-a18e-4135-8670-0fcfa38ae90e","2025-04-10T11:28:15.5019169Z","Content Block - One Column - What doesn’t it cover?",[],{"elements":412,"system":434},{"title":413,"text":415,"theme":421},{"name":147,"type":7,"value":414},"How much does sandwich shop insurance cover cost?",{"images":416,"linkedItemCodenames":417,"linkedItems":418,"links":419,"name":189,"type":190,"value":420},[],[],[],[],"\u003Cp>Prices could start from around \u003Cstrong>82p per day*\u003C\u002Fstrong>.\u003C\u002Fp>\n\u003Cp>Because all sandwich shops are different, it’s difficult to give a solid figure for what you’ll be paying for this insurance without speaking to a broker. This is because your business is unique, and prices depend on a number of factors, including:  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Extent of cover \u003C\u002Fstrong>— The more cover you opt for, the more expensive your package will likely be. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Your insurer \u003C\u002Fstrong>— Depending on who is willing to insure you, the price for their policies may vary.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Location \u003C\u002Fstrong>— The location of your business is taken into consideration when calculating the cost of your premiums. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Claims history \u003C\u002Fstrong>— If you’ve made a claim on your policy or had claims made against you, it may affect your future premiums.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>\u003Csub>*This price is for a shops and salons policy  – 10% of customers who were sold with one of our panel providers paid £300.23 or less annually (excluding any additional administration fees) between 01\u002F01\u002F25 & 31\u002F12\u002F2025. Equivalent to £25.02 a month or £0.82 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary depending on your business requirements.\u003C\u002Fsub>\u003C\u002Fp>",{"name":70,"type":14,"value":422,"linkedItems":424},[423],"content_block___theme___grey",[425],{"elements":426,"system":429},{"colour":427},{"name":77,"type":7,"value":428},"Grey",{"codename":423,"collection":80,"id":430,"language":80,"lastModified":431,"name":432,"sitemapLocations":433,"type":85,"workflowStep":86,"workflow":80},"7f21286b-86bb-4895-89e6-2a089b86b647","2024-10-21T16:46:34.480424Z","Content Block - Theme - Grey",[],{"codename":130,"collection":80,"id":435,"language":80,"lastModified":436,"name":437,"sitemapLocations":438,"type":226,"workflowStep":86,"workflow":80},"62b5359c-11f5-433c-8c50-6523b93f62ea","2026-01-28T13:48:11.6628812Z","Content Block - One Column - How much does sandwich shop insurance cover cost?",[],{"elements":440,"system":452},{"title":441,"text":443,"theme":449},{"name":147,"type":7,"value":442},"Do you need cover for your building if you rent?",{"images":444,"linkedItemCodenames":445,"linkedItems":446,"links":447,"name":189,"type":190,"value":448},[],[],[],[],"\u003Cp>If you rent, your landlord is responsible for insuring the building, but you’ll need to arrange cover for anything inside the building, like your stock, equipment, and any liabilities. \u003C\u002Fp>\n\u003Cp>Unsure? Get in touch with our insurance team today to find the right cover for you. \u003C\u002Fp>",{"name":70,"type":14,"value":450,"linkedItems":451},[210],[212],{"codename":131,"collection":80,"id":453,"language":80,"lastModified":454,"name":455,"sitemapLocations":456,"type":226,"workflowStep":86,"workflow":80},"4416198c-9d32-4f94-9936-4229b6d52b42","2025-04-15T09:24:47.5679518Z","Content Block - One Column - Do you need cover for your building if you rent?",[],{"elements":458,"system":470},{"title":459,"text":461,"theme":467},{"name":147,"type":7,"value":460},"Do you need cover if you sell other food?",{"images":462,"linkedItemCodenames":463,"linkedItems":464,"links":465,"name":189,"type":190,"value":466},[],[],[],[],"\u003Cp>Yes, let your insurer know if you offer any additional products including alcohol, so your policy covers everything you offer. \u003C\u002Fp>\n\u003Cp>You’ll also need to let your insurer know if you’re working with hot ovens, fryers or appliances to create hot sandwiches as this poses a different risk to employees and your building or van.\u003C\u002Fp>",{"name":70,"type":14,"value":468,"linkedItems":469},[72],[74],{"codename":132,"collection":80,"id":471,"language":80,"lastModified":472,"name":473,"sitemapLocations":474,"type":226,"workflowStep":86,"workflow":80},"82c52785-ebfc-4339-8e11-1bac648cc763","2025-05-01T14:21:38.8751103Z","Content Block - One Column - Do you need cover if you sell other food?",[],{"elements":476,"system":488},{"title":477,"text":479,"theme":485},{"name":147,"type":7,"value":478},"Get sandwich shop insurance sorted with Bionic",{"images":480,"linkedItemCodenames":481,"linkedItems":482,"links":483,"name":189,"type":190,"value":484},[],[],[],[],"\u003Cp>Your sandwich shop deserves more than just great grub — it needs reliable protection. At Bionic, we specialise in helping businesses like yours find tailored insurance without the hassle. \u003C\u002Fp>\n\u003Cp>Start your quote online today or chat with our knowledgeable team, whose smart comparison tools make it easy to find tailored cover that fits your needs.\u003C\u002Fp>",{"name":70,"type":14,"value":486,"linkedItems":487},[210],[212],{"codename":133,"collection":80,"id":489,"language":80,"lastModified":490,"name":491,"sitemapLocations":492,"type":226,"workflowStep":86,"workflow":80},"85c7fc5a-7ee0-44c8-b93d-cd1739c0bbc1","2025-04-15T09:25:24.7636835Z","Content Block - One Column - Get your sandwich shop insurance sorted with Bionic",[],{"elements":494,"system":516},{"quote_image":495,"quote_text":506,"attribution":513},{"name":496,"type":22,"value":497},"Quote Image",[498],{"name":499,"description":500,"type":27,"size":501,"url":502,"width":503,"height":504,"renditions":505},"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":507,"linkedItemCodenames":508,"linkedItems":509,"links":510,"name":511,"type":190,"value":512},[],[],[],[],"Quote Text","\u003Cp>The right insurance helps protect your investment and customers. It's not just a safeguard — it's part of responsible hospitality.\u003C\u002Fp>",{"name":514,"type":7,"value":515},"Attribution","Insurance Director, James Barwell",{"codename":134,"collection":80,"id":517,"language":80,"lastModified":518,"name":519,"sitemapLocations":520,"type":521,"workflowStep":86,"workflow":80},"f91e3f4b-fbfd-4c62-af44-c659a915d5e2","2025-05-01T14:20:54.4562968Z","Content Block - Quote - James Barwell - Sandwich shop",[],"content_block___quote",{"elements":523,"system":533},{"title":524,"text":525,"cta_button_text":526,"cta_link_url":528,"tagline":529,"theme":530},{"name":147,"type":7,"value":55},{"name":189,"type":7,"value":55},{"name":48,"type":7,"value":527},"Compare business insurance quotes",{"name":51,"type":7,"value":371},{"name":33,"type":7,"value":373},{"name":70,"type":14,"value":531,"linkedItems":532},[376],[378],{"codename":135,"collection":80,"id":534,"language":80,"lastModified":535,"name":536,"sitemapLocations":537,"type":392,"workflowStep":86,"workflow":80},"4bf50248-d450-4469-b947-7837eb61a5a9","2026-01-23T17:20:56.2771311Z","Content Block - CTA - Compare and save on business insurance",[],{"elements":539,"system":575},{"title":540,"tagline":542,"title_left":544,"text_left":547,"title_middle":553,"text_middle":556,"title_right":562,"text_right":565,"cta_button_text":571,"cta_link_url":573},{"name":147,"type":7,"value":541},"How Bionic business insurance comparison works",{"name":33,"type":7,"value":543},"Compare insurance quotes in three simple steps",{"name":545,"type":7,"value":546},"Title Left","Start your quote online ",{"images":548,"linkedItemCodenames":549,"linkedItems":550,"links":551,"name":163,"type":190,"value":552},[],[],[],[],"\u003Cp>Speed up the process by submitting basic business details online – whenever you have time. \u003C\u002Fp>",{"name":554,"type":7,"value":555},"Title Middle","Speak to our UK-based team ",{"images":557,"linkedItemCodenames":558,"linkedItems":559,"links":560,"name":166,"type":190,"value":561},[],[],[],[],"\u003Cp>Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct. \u003C\u002Fp>",{"name":563,"type":7,"value":564},"Title Right","Compare tailored quotes ",{"images":566,"linkedItemCodenames":567,"linkedItems":568,"links":569,"name":169,"type":190,"value":570},[],[],[],[],"\u003Cp>Get your quotes from our panel of trusted insurers and through any questions with our team. \u003C\u002Fp>",{"name":48,"type":7,"value":572},"Compare business insurance",{"name":574,"type":7,"value":371},"CTA Link Url",{"codename":136,"collection":80,"id":576,"language":80,"lastModified":577,"name":578,"sitemapLocations":579,"type":580,"workflowStep":86,"workflow":80},"1c547f83-b753-4506-b9f2-1fc1460004af","2026-01-23T15:55:02.6436832Z","Content Block - How Does It Work - SEOGeneric - How Bionic business Insurance comparison works",[],"content_block___how_does_it_work",{"elements":582,"system":636},{"title_left":583,"text_left":585,"bullet_points":591},{"name":545,"type":7,"value":584},"What do I need to get started?",{"images":586,"linkedItemCodenames":587,"linkedItems":588,"links":589,"name":163,"type":190,"value":590},[],[],[],[],"\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":592,"type":14,"value":593,"linkedItems":598},"Bullet Points",[594,595,596,597],"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",[599,609,618,627],{"elements":600,"system":603},{"text":601},{"name":189,"type":7,"value":602},"Your business name and trade ",{"codename":594,"collection":80,"id":604,"language":80,"lastModified":605,"name":606,"sitemapLocations":607,"type":608,"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":610,"system":613},{"text":611},{"name":189,"type":7,"value":612},"Your policy start date",{"codename":595,"collection":80,"id":614,"language":80,"lastModified":615,"name":616,"sitemapLocations":617,"type":608,"workflowStep":86,"workflow":80},"45b464f7-13cf-49ff-9d89-7624b4e6561e","2024-11-18T16:45:27.4347361Z","Content Block - Bullet Point Item - Ins Policy Date",[],{"elements":619,"system":622},{"text":620},{"name":189,"type":7,"value":621},"Your name and contact details to receive your quote options",{"codename":596,"collection":80,"id":623,"language":80,"lastModified":624,"name":625,"sitemapLocations":626,"type":608,"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":628,"system":631},{"text":629},{"name":189,"type":7,"value":630},"You may be asked additional questions about business activities",{"codename":597,"collection":80,"id":632,"language":80,"lastModified":633,"name":634,"sitemapLocations":635,"type":608,"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":137,"collection":80,"id":637,"language":80,"lastModified":638,"name":639,"sitemapLocations":640,"type":641,"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":643,"system":650},{"title":644,"cta_button_text":646,"cta_link_url":648},{"name":147,"type":7,"value":645},"Businesses are happy with our customer service",{"name":48,"type":7,"value":647},"Read our customer stories",{"name":51,"type":7,"value":649},"https:\u002F\u002Fuk.trustpilot.com\u002Freview\u002Fbionic.co.uk",{"codename":138,"collection":80,"id":651,"language":80,"lastModified":652,"name":653,"sitemapLocations":654,"type":655,"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":657,"system":733},{"title":658,"tagline":660,"faq_items":662},{"name":147,"type":7,"value":659},"Sandwich Shop Insurance FAQs",{"name":33,"type":7,"value":661},"To help you understand more about business insurance, here are the answers to some of our most frequently asked questions. ",{"name":663,"type":14,"value":664,"linkedItems":669},"FAQ Items",[665,666,667,668],"content_block___faq_item___do_you_need_insurance_f_214cef6","content_block___faq_item___how_quickly_can_you_get_21ddaa3","content_block___faq_item___does_insurance_cover_sp","content_block___faq_item___does_my_policy_cover_ev",[670,688,703,718],{"elements":671,"system":682},{"question":672,"answer":675},{"name":673,"type":7,"value":674},"Question","Do you need insurance for events if you run a mobile sandwich van?",{"images":676,"linkedItemCodenames":677,"linkedItems":678,"links":679,"name":680,"type":190,"value":681},[],[],[],[],"Answer","\u003Cp>If you take your business on the move, like festivals or catering events, you’ll need specific cover for off-site events and public liability for working in different locations. At Bionic, we are able to cover static food trucks, but if you drive your van then you’ll need to arrange separate business vehicle insurance.\u003C\u002Fp>",{"codename":665,"collection":80,"id":683,"language":80,"lastModified":684,"name":685,"sitemapLocations":686,"type":687,"workflowStep":86,"workflow":80},"214cef68-2ad7-4060-a3f0-ecc0d0bc8857","2025-04-10T11:37:06.2510987Z","Content Block - FAQ Item - Do you need insurance for events if you run a mobile sandwich van?",[],"content_block___faq_item",{"elements":689,"system":698},{"question":690,"answer":692},{"name":673,"type":7,"value":691},"How quickly can you get cover?",{"images":693,"linkedItemCodenames":694,"linkedItems":695,"links":696,"name":680,"type":190,"value":697},[],[],[],[],"\u003Cp>Depending on the insurance policy and your specific business needs, you can often get cover the same day you apply. \u003C\u002Fp>",{"codename":666,"collection":80,"id":699,"language":80,"lastModified":700,"name":701,"sitemapLocations":702,"type":687,"workflowStep":86,"workflow":80},"21ddaa3b-9238-43d7-b813-9b2dd52de208","2025-04-10T11:37:43.7823962Z","Content Block - FAQ Item - How quickly can you get cover?",[],{"elements":704,"system":713},{"question":705,"answer":707},{"name":673,"type":7,"value":706},"Does insurance cover spoiled food or damaged inventory?",{"images":708,"linkedItemCodenames":709,"linkedItems":710,"links":711,"name":680,"type":190,"value":712},[],[],[],[],"\u003Cp>It’s a good idea to take out stock insurance if you have a back room full of it. Stock is often at risk of theft or damage, and sufficient stock insurance will protect you financially in the event you can’t sell it due to an insurable event.   \u003C\u002Fp>\n\u003Cp>But if you sell any ‘perishable’ stock that needs to be refrigerated or frozen, you could also take out a separate deterioration of stock policy.  This could provide financial compensation in the event your equipment malfunctions and a drop in temperature causes food to spoil.\u003C\u002Fp>",{"codename":667,"collection":80,"id":714,"language":80,"lastModified":715,"name":716,"sitemapLocations":717,"type":687,"workflowStep":86,"workflow":80},"4e98b6e1-d3bc-4c89-addb-ef399729d6ea","2025-04-10T11:38:21.3073253Z","Content Block - FAQ Item - Does insurance cover spoiled food or damaged inventory?",[],{"elements":719,"system":728},{"question":720,"answer":722},{"name":673,"type":7,"value":721},"Does my policy cover events like catering or pop-up stalls?",{"images":723,"linkedItemCodenames":724,"linkedItems":725,"links":726,"name":680,"type":190,"value":727},[],[],[],[],"\u003Cp>If you provide sandwiches for events off-site like corporate parties or market stalls, we can still insure you. When speaking to a broker, it’s best to inform them of any off-site activities your business carries out so you can ensure you’re properly insured.\u003C\u002Fp>",{"codename":668,"collection":80,"id":729,"language":80,"lastModified":730,"name":731,"sitemapLocations":732,"type":687,"workflowStep":86,"workflow":80},"d6f67f46-72d8-4537-9f92-0ea59a1632d3","2025-04-10T11:38:48.1368134Z","Content Block - FAQ Item - Does my policy cover events like catering or pop-up stalls?",[],{"codename":139,"collection":80,"id":734,"language":80,"lastModified":735,"name":736,"sitemapLocations":737,"type":738,"workflowStep":86,"workflow":80},"fedf1564-cbaa-404c-b907-148c89301812","2025-04-10T11:39:14.4464592Z","Content Block - FAQ - Sandwich Shop Insurance FAQs",[],"content_block___faq",{"elements":740,"system":1309},{"title":741,"cta_button_text":743,"cta_link_url":745,"guides":747},{"name":147,"type":7,"value":742},"Our team shares essential knowledge on business insurance",{"name":48,"type":7,"value":744},"View all business insurance guides",{"name":574,"type":7,"value":746},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002F",{"name":748,"type":14,"value":749,"linkedItems":754},"Guides",[750,751,752,753],"insurance_guide___brokers___buying_insurance_for_t","insurnce_guide___brokers___a_step_by_step_guide_to","insurance_guide__how_to_protect_your_small_busines","insurance_guide___how_to_easily_write_a_contract_o",[755,872,1084,1237],{"elements":756,"system":867},{"post__title":757,"post__summary":759,"post__content":762,"post__author":787,"post__reviewer":792,"publish_date":797,"updated_date":802,"url":804,"seo__meta_title":807,"seo__meta_description":810,"seo__add_no_index_tag":813,"seo__canonical_url":820,"related_articles":823,"categories":827,"subfolder":832,"tags":837,"thumbnail_image":842,"show_on_index_page":849,"hide_author":855,"hide_reviewer":859,"hide_tags":863},{"name":147,"type":7,"value":758},"First time buying business insurance with a broker? Q&A with Ollie Barrett",{"name":760,"type":7,"value":761},"Summary","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":763,"linkedItemCodenames":770,"linkedItems":772,"links":784,"name":785,"type":190,"value":786},[764],{"description":765,"imageId":766,"url":767,"height":768,"width":769},"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",1415,2118,[771],"n7f8b02bb_fecd_0199_f69e_f3c4c6fc88fa",[773],{"elements":774,"system":778},{"sound_cloud_id":775},{"name":776,"type":7,"value":777},"Sound Cloud ID","2263550132",{"codename":771,"collection":80,"id":779,"language":80,"lastModified":780,"name":779,"sitemapLocations":781,"type":782,"workflowStep":783,"workflow":783},"7f8b02bb-fecd-0199-f69e-f3c4c6fc88fa","2026-07-21T10:46:48.4898431Z",[],"sound_cloud",null,[],"Content","\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":788,"type":14,"value":789,"linkedItems":791},"Author",[790],"author___ollie_barrett",[],{"name":793,"type":14,"value":794,"linkedItems":796},"Reviewer",[795],"untitled_content_item_d332501",[],{"name":798,"type":799,"value":800,"displayTimeZone":801},"Publish Date","date_time","2026-01-30T09:00:00Z","Europe\u002FLondon",{"name":803,"type":799,"value":783,"displayTimeZone":801},"Updated Date",{"name":805,"type":11,"value":806},"URL","first-time-buying-business-insurance-qa-ollie-barrett\u002F",{"name":808,"type":7,"value":809},"Meta title","First time buying business insurance? Q&A with Ollie Barrett",{"name":811,"type":7,"value":812},"Meta description","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":814,"type":815,"value":816},"Add no index tag","multiple_choice",[817],{"name":818,"codename":819},"No","no",{"name":821,"type":7,"value":822},"Canonical URL","https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Ffirst-time-buying-business-insurance-qa-ollie-barrett\u002F",{"name":824,"type":14,"value":825,"linkedItems":826},"Related Articles",[],[],{"name":828,"type":14,"value":829,"linkedItems":831},"Categories",[830],"category___business_insurance_guide",[],{"name":833,"type":14,"value":834,"linkedItems":836},"Subfolder",[835],"insurance_subfolder___brokers",[],{"name":838,"type":14,"value":839,"linkedItems":841},"Tags",[840],"tag___business_insurance",[],{"name":843,"type":22,"value":844},"Thumbnail Image",[845],{"name":846,"description":765,"type":312,"size":847,"url":767,"width":769,"height":768,"renditions":848},"First time buying insurance (1).jpg",129390,{},{"name":850,"type":815,"value":851},"Show on index page",[852],{"name":853,"codename":854},"Yes","yes",{"name":856,"type":815,"value":857},"Hide Author",[858],{"name":818,"codename":819},{"name":860,"type":815,"value":861},"Hide Reviewer",[862],{"name":818,"codename":819},{"name":864,"type":815,"value":865},"Hide Tags",[866],{"name":853,"codename":854},{"codename":750,"collection":80,"id":868,"language":80,"lastModified":780,"name":869,"sitemapLocations":870,"type":871,"workflowStep":86,"workflow":80},"02c513ee-e2a6-43f3-8569-69b1abb2b6b5","INSURANCE GUIDE - BROKERS - Buying insurance for the first time? Q&A with Ollie Barrett",[],"guide",{"elements":873,"system":1080},{"post__title":874,"post__summary":876,"post__content":878,"post__author":1029,"post__reviewer":1033,"publish_date":1036,"updated_date":1038,"url":1039,"seo__meta_title":1041,"seo__meta_description":1043,"seo__add_no_index_tag":1045,"seo__canonical_url":1048,"related_articles":1050,"categories":1053,"subfolder":1056,"tags":1059,"thumbnail_image":1062,"show_on_index_page":1068,"hide_author":1071,"hide_reviewer":1074,"hide_tags":1077},{"name":147,"type":7,"value":875},"A step-by-step guide to working with a business insurance broker",{"name":760,"type":7,"value":877},"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":879,"linkedItemCodenames":884,"linkedItems":899,"links":1027,"name":785,"type":190,"value":1028},[880],{"description":881,"imageId":882,"url":883,"height":768,"width":769},"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",[885,886,887,888,889,890,891,892,893,894,895,896,897,898],"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",[900,908,917,928,937,946,955,964,973,982,991,1000,1009,1018],{"elements":901,"system":904},{"sound_cloud_id":902},{"name":776,"type":7,"value":903},"2242537154",{"codename":885,"collection":80,"id":905,"language":80,"lastModified":906,"name":905,"sitemapLocations":907,"type":782,"workflowStep":783,"workflow":783},"4f97319b-a2f7-01aa-f28e-ba41d475dbe8","2026-01-06T11:01:43.2871159Z",[],{"elements":909,"system":913},{"video":910},{"name":911,"type":7,"value":912},"Youtube Video","w02FKUS8ZII",{"codename":886,"collection":80,"id":914,"language":80,"lastModified":906,"name":914,"sitemapLocations":915,"type":916,"workflowStep":783,"workflow":783},"4f88bd1e-d4b8-013e-5a95-67a7e59ff6f4",[],"video_tag",{"elements":918,"system":924},{"text":919,"anchor_id":921},{"name":189,"type":7,"value":920},"What is a business insurance broker and why use one? ",{"name":922,"type":7,"value":923},"Anchor ID","what-is-a-business-insurance-broker-and-why-use-one",{"codename":887,"collection":80,"id":925,"language":80,"lastModified":906,"name":925,"sitemapLocations":926,"type":927,"workflowStep":783,"workflow":783},"29f09511-2504-01a6-51e2-bc50ad81b499",[],"anchor_tag",{"elements":929,"system":934},{"text":930,"anchor_id":932},{"name":189,"type":7,"value":931},"How do I find and choose the right business insurance broker?",{"name":922,"type":7,"value":933},"how-do-i-find-and-choose-the-right-business-insurance-broker",{"codename":888,"collection":80,"id":935,"language":80,"lastModified":906,"name":935,"sitemapLocations":936,"type":927,"workflowStep":783,"workflow":783},"cad2d966-191b-01f0-34e1-80a9af5adf8c",[],{"elements":938,"system":943},{"text":939,"anchor_id":941},{"name":189,"type":7,"value":940},"Questions to ask before choosing a broker",{"name":922,"type":7,"value":942},"questions-to-ask-before-choosing-a-broker",{"codename":889,"collection":80,"id":944,"language":80,"lastModified":906,"name":944,"sitemapLocations":945,"type":927,"workflowStep":783,"workflow":783},"b0fe8a1a-32dd-0144-5b5a-70e8a597c2a2",[],{"elements":947,"system":952},{"text":948,"anchor_id":950},{"name":189,"type":7,"value":949},"What information does a broker need from my business?",{"name":922,"type":7,"value":951},"what-information-does-a-broker-need-from-my-business",{"codename":890,"collection":80,"id":953,"language":80,"lastModified":906,"name":953,"sitemapLocations":954,"type":927,"workflowStep":783,"workflow":783},"f1ebeb93-483d-0192-b691-1399529d6a78",[],{"elements":956,"system":961},{"text":957,"anchor_id":959},{"name":189,"type":7,"value":958},"What happens if my business has unusual risks",{"name":922,"type":7,"value":960},"what-happens-if-my-business-has-unusual-risks",{"codename":891,"collection":80,"id":962,"language":80,"lastModified":906,"name":962,"sitemapLocations":963,"type":927,"workflowStep":783,"workflow":783},"30fc9004-c12c-0169-53d6-9b80e37c59f6",[],{"elements":965,"system":970},{"text":966,"anchor_id":968},{"name":189,"type":7,"value":967},"How does the quote process work with a broker?",{"name":922,"type":7,"value":969},"how-does-the-quote-process-work-with-a-broker",{"codename":892,"collection":80,"id":971,"language":80,"lastModified":906,"name":971,"sitemapLocations":972,"type":927,"workflowStep":783,"workflow":783},"5ce29ae9-eb3c-019b-096c-8043777f1968",[],{"elements":974,"system":979},{"text":975,"anchor_id":977},{"name":189,"type":7,"value":976},"What should I check before accepting a policy?",{"name":922,"type":7,"value":978},"what-should-i-check-before-accepting-a-policy",{"codename":893,"collection":80,"id":980,"language":80,"lastModified":906,"name":980,"sitemapLocations":981,"type":927,"workflowStep":783,"workflow":783},"d83d3578-9bdc-0169-86f8-97702d32c3b3",[],{"elements":983,"system":988},{"text":984,"anchor_id":986},{"name":189,"type":7,"value":985},"How much do brokers charge, and how are they paid?",{"name":922,"type":7,"value":987},"how-much-do-brokers-charge-and-how-are-they-paid",{"codename":894,"collection":80,"id":989,"language":80,"lastModified":906,"name":989,"sitemapLocations":990,"type":927,"workflowStep":783,"workflow":783},"fad3a51a-8b2a-018c-f861-ce792e0004ea",[],{"elements":992,"system":997},{"text":993,"anchor_id":995},{"name":189,"type":7,"value":994},"What happens when it’s time to renew?",{"name":922,"type":7,"value":996},"what-happens-when-its-time-to-renew",{"codename":895,"collection":80,"id":998,"language":80,"lastModified":906,"name":998,"sitemapLocations":999,"type":927,"workflowStep":783,"workflow":783},"5c2aba3f-52f7-01ce-d6ee-1af7b06035a7",[],{"elements":1001,"system":1006},{"text":1002,"anchor_id":1004},{"name":189,"type":7,"value":1003},"Common mistakes when working with a broker",{"name":922,"type":7,"value":1005},"common-mistakes-when-working-with-a-broker",{"codename":896,"collection":80,"id":1007,"language":80,"lastModified":906,"name":1007,"sitemapLocations":1008,"type":927,"workflowStep":783,"workflow":783},"de398d25-e68a-01c3-3e4d-8ce889084e8f",[],{"elements":1010,"system":1015},{"text":1011,"anchor_id":1013},{"name":189,"type":7,"value":1012},"Can I arrange other business services with a broker?",{"name":922,"type":7,"value":1014},"can-i-arrange-other-business-services-with-a-broker",{"codename":897,"collection":80,"id":1016,"language":80,"lastModified":906,"name":1016,"sitemapLocations":1017,"type":927,"workflowStep":783,"workflow":783},"a85b6af0-1f75-015d-3086-c63af75f75ab",[],{"elements":1019,"system":1024},{"text":1020,"anchor_id":1022},{"name":189,"type":7,"value":1021},"Building a long-term relationship with your broker",{"name":922,"type":7,"value":1023},"Building-a-long-term-relationship-with-your-broker",{"codename":898,"collection":80,"id":1025,"language":80,"lastModified":906,"name":1025,"sitemapLocations":1026,"type":927,"workflowStep":783,"workflow":783},"429f82f1-db5f-0196-f5ec-4b1e512b890a",[],[],"\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n4f97319b_a2f7_01aa_f28e_ba41d475dbe8\">\u003C\u002Fobject>\n\u003Cp>From understanding premiums to sums insured, getting your business properly covered doesn't have to feel like overwhelming jargon. And working with a reputable business insurance broker can make the process easier. \u003C\u002Fp>\n\u003Cp>The key is knowing what to do: from researching what a broker can offer to dealing with one so you can feel more prepared. \u003C\u002Fp>\n\u003Cp>Here's what you need to know about working with a commercial broker, including how to find one that’s right for your business, how they can help deal with renewals and claims, and more.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0\" data-image-id=\"8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F63a85fa1-294b-41c8-96fb-6e7114afbcc8\u002FWorking%20with%20a%20broker%20%281%29.jpg\" data-asset-id=\"8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0\" data-image-id=\"8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0\" alt=\"graphic with text 'working with an insurance broker' with a female business owner stood next to a broker. They are stood in a warehouse full of boxes.\">\u003C\u002Ffigure>\n\u003Cp>\u003Cstrong>Five-point summary:\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Col>\n  \u003Cli>\u003Cstrong>Benefits of using a broker\u003C\u002Fstrong> – Many brokers compare quotes, explain cover options, and negotiate with insurers on your behalf. All must be FCA‑regulated.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Choosing a broker\u003C\u002Fstrong> – Check the FCA Register and ask about fees, insurers they work with, and claims support. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Information you need\u003C\u002Fstrong> – Share your details with your broker on activities, turnover, staff, premises, and any unusual risks to help get proper cover.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Quotes \u003C\u002Fstrong> – Brokers can search the market to find suitable quote options. They can help explain what's included and any exclusions to be aware of.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Renewals \u003C\u002Fstrong>–  At renewal, many brokers recheck the market for quotes. Brokers like bionic, can also arrange other essentials for you, such as energy, broadband, and finance.\u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cp>Prefer to watch? See the roundup of this guide from Laura.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n4f88bd1e_d4b8_013e_5a95_67a7e59ff6f4\">\u003C\u002Fobject>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n29f09511_2504_01a6_51e2_bc50ad81b499\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What is a business insurance broker, and why use one?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>A business insurance broker deals in the commercial insurance market, finding quotes for businesses on your behalf. \u003C\u002Fp>\n\u003Cp>Unlike going directly to an insurer, a broker usually searches multiple providers to find cover that fits your specific needs and budget.  \u003C\u002Fp>\n\u003Cp>Learn more about the differences between a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fbroker-vs-direct-insurer-which-is-better\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">business insurance broker vs going directly to an insurer\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cp>Brokers handle the legwork of comparing policies, explaining complex terms, and negotiating on your behalf. They're particularly valuable if your business has unusual risks, previous claims, or if you're struggling to understand what cover you actually need. \u003C\u002Fp>\n\u003Cp>All legitimate UK business insurance brokers must be authorised by the \u003Ca href=\"https:\u002F\u002Fwww.fca.org.uk\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Financial Conduct Authority (FCA)\u003C\u002Fa>. You can check a broker's credentials on the FCA Register before you use one. At Bionic, we are registered with the FCA. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"cad2d966_191b_01f0_34e1_80a9af5adf8c\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How do I find and choose the right business insurance broker?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Start by checking the FCA Register to verify any broker you're considering is regulated. Although the minority, there are some brokers out there who may not be transparent and hit you with unexpected fees or leave you without adequate cover  \u003C\u002Fp>\n\u003Cp>All legitimate brokers are regulated by the FCA. This helps protect you as they must adhere to guidelines like treating customers fairly and not misleading. \u003C\u002Fp>\n\u003Cp>Then, look at your own business and find a broker who can help insure your type of business.  For example, large corporations may want to opt for a global broker while a high street business may want someone who specialises in cover for small businesses. \u003C\u002Fp>\n\u003Cp>At Bionic, we know UK small businesses, from \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fshop\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">shops\u003C\u002Fa> and \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fsalon\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">salons\u003C\u002Fa> to \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Ftakeaway\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">takeaways\u003C\u002Fa>, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fhotel\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">hotels\u003C\u002Fa> and car mechanics, we can help arrange cover that’s right for you. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"b0fe8a1a_32dd_0144_5b5a_70e8a597c2a2\">\u003C\u002Fobject>\n\u003Ch3>\u003Cstrong>Questions to ask before choosing a broker\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you’ve never spoken to a broker, you might be wondering what to ask. Depending on who you contact,  you might be able to speak to someone online or on the phone who can help iron out any questions. \u003C\u002Fp>\n\u003Cp>Consider asking: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>How do you charge – commission from insurers, fees, or both? \u003C\u002Fli>\n  \u003Cli>Which insurers do you work with? \u003C\u002Fli>\n  \u003Cli>What experience do you have with businesses like mine? \u003C\u002Fli>\n  \u003Cli>Will I have a dedicated contact person? \u003C\u002Fli>\n  \u003Cli>What support do you offer during claims? \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>UK law requires brokers to disclose their commission on commercial policies if you ask.  So don't be shy about having this conversation upfront, if you’re concerned, they should be transparent.  \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Ftara-mitchell\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Tara Mitchell\u003C\u002Fa>, Insurance Technical Manager at Bionic - \u003Cem>“When you speak to our UK-based insurance team at Bionic, they’ll talk you through your options. You’ll also have the chance to ask any questions, so you can feel confident in any decision you make”\u003C\u002Fem>\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"f1ebeb93_483d_0192_b691_1399529d6a78\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What information does a broker need from my business?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Brokers need accurate business information to get you the right quotes. So, it's a good idea to do a little bit of prep before you speak to someone. Make sure you have these details handy: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Your business description and all activities  \u003C\u002Fli>\n  \u003Cli>Annual turnover and number of employees \u003C\u002Fli>\n  \u003Cli>Business premises details (owned, leased, square footage, roof materials) \u003C\u002Fli>\n  \u003Cli>Any previous insurance claims (last 5 years typically) \u003C\u002Fli>\n  \u003Cli>Current cover details if you're switching \u003C\u002Fli>\n  \u003Cli>Any unusual risks, circumstances or activities (like microblading in a salon) \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Always try to have your turnover, payroll, latest accounts and previous insurance documents to hand, as this can help speed up the process, especially if you’re busy.  \u003C\u002Fp>\n\u003Cp>Remember, it's your duty to make sure the information you provide is accurate. If not, you could be left without adequate cover. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n30fc9004_c12c_0169_53d6_9b80e37c59f6\">\u003C\u002Fobject>\n\u003Ch3>\u003Cstrong>What happens if my business has unusual risks?\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>An unusual risk can be anything that isn’t the norm in your business, that may not be covered in a standard policy. For example, this could be:  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Working from home part-time \u003C\u002Fli>\n  \u003Cli>Storing hazardous materials \u003C\u002Fli>\n  \u003Cli>Working from a height  \u003C\u002Fli>\n  \u003Cli>Abrasive beauty treatments (like permanent tattooing) \u003C\u002Fli>\n  \u003Cli>Running a hybrid business (for example, a garden centre) \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You must tell brokers about any of these activities, as they come with a new set of risks. Brokers often deal with unusual situations every day, so it’s likely they can arrange any specialist cover you might need. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n5ce29ae9_eb3c_019b_096c_8043777f1968\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How does the quote process work with a broker?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Whether you have shared your details online or on the phone, a broker will search their panel – this can take as little as a few minutes. \u003C\u002Fp>\n\u003Cp>Depending on your business, a broker will approach multiple insurers on your behalf to find quote options. They know which insurers work with certain industries and to get competitive quotes to present back to you. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Understanding and comparing broker recommendations\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Your broker will provide your options on the phone and\u002For via email. Depending on your business, you might have 3-5 options, but you may just have one specialist provider. When considering which one to go for, important not to just look at price, you should compare: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>What's covered and what's excluded \u003C\u002Fli>\n  \u003Cli>Policy limits and excesses \u003C\u002Fli>\n  \u003Cli>Any add-ons that are included or that you may need \u003C\u002Fli>\n  \u003Cli>The reputation of each insurer when it comes to claims \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You can always ask your broker to explain any terms you don't understand. For example, “premium” and \"material damage\" might sound straightforward on paper, but don't hesitate to ask for explanations if you aren’t really sure.  \u003C\u002Fp>\n\u003Cp>It’s also worth checking out our \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fthe-bionic-insurance-jargon-buster\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">insurance jargon buster\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"d83d3578_9bdc_0169_86f8_97702d32c3b3\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What should I check before accepting a policy?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Before you say yes to any policy, verify: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>You’ve correctly described your business activities \u003C\u002Fli>\n  \u003Cli>You’re happy with the amount of cover \u003C\u002Fli>\n  \u003Cli>Your business address and employee count are right \u003C\u002Fli>\n  \u003Cli>You understand the terms and conditions, and what is and isn’t included  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You can also ask your broker to walk you through the exclusions section of your policy. This tells you what's \u003Cem>not\u003C\u002Fem> covered, which often matters as much as what is covered. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Making changes to your policy\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you get off the phone with your broker, read your policy again, and something doesn't look right, tell your broker straight away. A broker can help put it right, before the policy starts. Making alterations after your policy starts may cost extra or require the broker to speak to the insurer for approval. If you change any part of your policy, this may increase or decrease your premium. \u003C\u002Fp>\n\u003Cp>Commercial policies\u003Cem> don’t\u003C\u002Fem> include a 14-day cooling-off period, so you can’t cancel for a full refund if you change your mind. This differs from most home insurance policies and is worth keeping in mind. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"fad3a51a_8b2a_018c_f861_ce792e0004ea\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How much do brokers charge, and how are they paid?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Most brokers earn money in 3 main ways: \u003C\u002Fp>\n\u003Col>\n  \u003Cli>\u003Cstrong>Commission from insurers\u003C\u002Fstrong> – Typically agreed with each insurer \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Fees \u003C\u002Fstrong> – An admin or service fee that may be in addition to your premium cost \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>A combination of both\u003C\u002Fstrong> \u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cp>It’s worth remembering that a broker's payment often comes from the insurer, so this doesn’t mean your premium is higher and using a broker doesn’t necessarily mean you are paying more compared to buying direct. Brokers are often able to negotiate good rates with insurers because they bring them business. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n5c2aba3f_52f7_01ce_d6ee_1af7b06035a7\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What happens when it’s time to renew?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>About 30 days before your policy ends, your broker will contact you about renewal.  \u003C\u002Fp>\n\u003Cp>Many brokers don't just accept the renewal quote from your current insurer. They'll check their panel again to see what other quotes are on offer, especially if your premium has increased significantly.  \u003C\u002Fp>\n\u003Cp>This is exactly what we do at Bionic. \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Ftara-mitchell\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Tara Mitchell\u003C\u002Fa>, Insurance Technical Manager at Bionic, confirms:  “\u003Cem>When renewing with Bionic, we carry out a fresh search of our panel to find the best quotes available to you. You can then decide to switch or stay with your current insurer, depending on your preference.\u003C\u002Fem>” \u003C\u002Fp>\n\u003Cp>Read up on \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Ftop-things-to-consider-when-renewing-business-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">renewing your business insurance\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Preparing for renewal\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you’re approaching your renewal window (up to 30 days before your policy ends). You should update your broker on any business changes: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Changes in turnover or employee numbers \u003C\u002Fli>\n  \u003Cli>New business activities or locations \u003C\u002Fli>\n  \u003Cli>Claims made during the year \u003C\u002Fli>\n  \u003Cli>Any  changes to your sums insured \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Doing this ensures your cover still protects your business, and you aren’t left uninsured. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>When to switch insurers\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If your premium rises without an obvious reason, you can always ask your broker why.  \u003C\u002Fp>\n\u003Cp>Sometimes switching insurers at renewal can save money, but it’s not always a good idea to switch purely on price.  \u003C\u002Fp>\n\u003Cp>Consider checking eviews for insurers before you switch to a new one.  And if you’re happy with your current insurer and the annual premium increase isn't too bad, there is no harm in staying. Often, your broker can deal with the renewal for you. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>How does a broker help with claims?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>This really varies, depending on your broker. If you need to claim or have a claim made against you, some insurers will pass you directly over to your insurer. Others will deal with the process.  \u003C\u002Fp>\n\u003Cp>At Bionic, we don’t deal directly with claims, but we can give you any policy details you need and a contact number for your insurer. \u003C\u002Fp>\n\u003Cp>Read our \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbusiness-insurance-claim\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">step by step guide to claims\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>What you need to do when making a claim\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Contact your broker or insurer as soon as possible after an incident. They'll tell you exactly what to do next, but generally you'll need: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Photos and evidence of damage \u003C\u002Fli>\n  \u003Cli>Police or incident reports where relevant \u003C\u002Fli>\n  \u003Cli>Several repair quotes or invoices \u003C\u002Fli>\n  \u003Cli>Records of business interruption losses \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Remember to keep all receipts and correspondence, you'll need to provide the facts and evidence yourself. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"de398d25_e68a_01c3_3e4d_8ce889084e8f\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Common mistakes when working with a broker\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Avoid these pitfalls when working with a broker: \u003C\u002Fp>\n\u003Col>\n  \u003Cli>\u003Cstrong>Withholding information\u003C\u002Fstrong> – If your broker doesn't know about a risk, they can't get you covered for it. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Choosing on price alone\u003C\u002Fstrong> – The cheapest policy might not be the best, and leave you exposed when you claim. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Forgetting to update them\u003C\u002Fstrong> – Tell your broker when your business changes. If this is not reflected in your policy, you won’t be covered. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Missing renewal deadlines\u003C\u002Fstrong> – If your policy ends before you start a new one, you're uninsured. This can leave you liable for claims. Consider auto-renewals to prevent this. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Not reading policy documents\u003C\u002Fstrong> – We know no one likes reading the small print, but it’s a legal contract. Check the details match what you discussed. \u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"a85b6af0_1f75_015d_3086_c63af75f75ab\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Can I arrange other business services with a broker?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Some brokers can sort more than just business insurance. You might find you can arrange other utilities in a ‘one-stop shop’.. This could include:  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Business energy contract switching \u003C\u002Fli>\n  \u003Cli>Business VoIP and broadband comparisons \u003C\u002Fli>\n  \u003Cli>Business loans and commercial mortgages \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Sorting any of these, in addition to your insurance, can help save you the hassle of dealing with multiple brokers or suppliers, saving you time (and even money). \u003C\u002Fp>\n\u003Cp>Ask what your broker offers if you're ever interested. \u003C\u002Fp>\n\u003Cp>At Bionic, we can help you sort all the above. From finding your next energy deal, to sorting an upgraded broadband and VoIP system or arranging a commercial loan or mortgage. Get in touch today to find out more. \u003C\u002Fp>\n\u003Cp>Or read up on what else brokers like Bionic can offer you beyond insurance.  \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n429f82f1_db5f_0196_f5ec_4b1e512b890a\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Building a long-term relationship with your broker\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>As with any relationship, a good business and broker relationship is built over time. When you use the same broker and even speak to the same person, you build that trust. Your broker learns your business, anticipates your needs, and can become a trusted ‘go-to’. \u003C\u002Fp>\n\u003Cp>So, when your business changes, it’s a good idea to stay in regular contact with your broker to keep them updated, and this doesn’t just have to be at renewal. Always inform your broker about business changes, any expansions, or concerns you have about your cover. \u003C\u002Fp>\n\u003Cp>If your broker isn't meeting your expectations, speak to them about it to see if it can be resolved. If you still have issues, remember, you can always switch brokers. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>Getting started with a broker\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Ready to begin? Start by verifying potential brokers on the \u003Ca href=\"https:\u002F\u002Fregister.fca.org.uk\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">FCA Register,\u003C\u002Fa> once you’ve chosen one, gather all your business information, write down any questions you have and get in contact. \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Compare business insurance quotes\u003C\u002Fa> with Bionic today and start a quote online. Our UK-based, friendly brokers will be on-hand to talk you through your options and help arrange cover for you, with no hassle. \u003C\u002Fp>\n\u003Cp>Start a quote online now.\u003C\u002Fp>",{"name":788,"type":14,"value":1030,"linkedItems":1032},[1031],"author___laura_court_jones",[],{"name":793,"type":14,"value":1034,"linkedItems":1035},[790],[],{"name":798,"type":799,"value":1037,"displayTimeZone":801},"2025-12-11T09:03:00Z",{"name":803,"type":799,"value":783,"displayTimeZone":801},{"name":805,"type":11,"value":1040},"working-with-a-business-insurance-broker\u002F",{"name":808,"type":7,"value":1042},"Working with a business insurance broker: A step-by-step guide",{"name":811,"type":7,"value":1044},"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":814,"type":815,"value":1046},[1047],{"name":818,"codename":819},{"name":821,"type":7,"value":1049},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fworking-with-a-business-insurance-broker\u002F",{"name":824,"type":14,"value":1051,"linkedItems":1052},[],[],{"name":828,"type":14,"value":1054,"linkedItems":1055},[830],[],{"name":833,"type":14,"value":1057,"linkedItems":1058},[835],[],{"name":838,"type":14,"value":1060,"linkedItems":1061},[],[],{"name":843,"type":22,"value":1063},[1064],{"name":1065,"description":881,"type":312,"size":1066,"url":883,"width":769,"height":768,"renditions":1067},"Working with a broker (1).jpg",151029,{},{"name":850,"type":815,"value":1069},[1070],{"name":853,"codename":854},{"name":856,"type":815,"value":1072},[1073],{"name":818,"codename":819},{"name":860,"type":815,"value":1075},[1076],{"name":818,"codename":819},{"name":864,"type":815,"value":1078},[1079],{"name":853,"codename":854},{"codename":751,"collection":80,"id":1081,"language":80,"lastModified":906,"name":1082,"sitemapLocations":1083,"type":871,"workflowStep":86,"workflow":80},"8068f267-7f83-462c-91e2-bd40727d3eb0","INSURANCE GUIDE - BROKERS - A step-by-step guide to working with a business insurance broker",[],{"elements":1085,"system":1233},{"post__title":1086,"post__summary":1088,"post__content":1090,"post__author":1183,"post__reviewer":1186,"publish_date":1189,"updated_date":1191,"url":1192,"seo__meta_title":1194,"seo__meta_description":1196,"seo__add_no_index_tag":1198,"seo__canonical_url":1201,"related_articles":1203,"categories":1206,"subfolder":1209,"tags":1212,"thumbnail_image":1215,"show_on_index_page":1221,"hide_author":1224,"hide_reviewer":1227,"hide_tags":1230},{"name":147,"type":7,"value":1087},"How to protect your small business from shoplifters: top tips guide ",{"name":760,"type":7,"value":1089},"You don't want shoplifts stealing your goods — but what can you really do about it? Clue up on everything from the laws around shoplifting to what to do if you spot customers stealing from you.",{"images":1091,"linkedItemCodenames":1098,"linkedItems":1107,"links":1181,"name":785,"type":190,"value":1182},[1092],{"description":1093,"imageId":1094,"url":1095,"height":1096,"width":1097},"Young woman stealing a chocolate bar and putting it in her handbag","32109f56-8f66-4697-9ed8-1bc1e01122ae","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F0d80d255-c773-4cbf-8248-26db3e36ccdb\u002FGettyImages-1996153491%20%281%29.jpg",1500,2000,[1099,1100,1101,1102,1103,1104,1105,1106],"befee860_6e2f_01ec_af08_eb9f614b6673","fef14411_782e_01d9_1d78_36faf6963ede","b10d6099_7c77_018d_45b5_31760c042a4d","b8df4321_4f52_01a8_b54a_deb00546a4c0","d1e6b3f0_5247_0138_142c_54bd02263e43","n1a5f837b_0b83_01e6_ca82_750869755c30","n4f6ae006_f7c4_01e3_a770_e1d3ce9103f9","c88cdba5_5636_0152_aead_23008f301448",[1108,1118,1127,1136,1145,1154,1163,1172],{"elements":1109,"system":1114},{"text":1110,"anchor_id":1112},{"name":189,"type":7,"value":1111},"What is shoplifting?",{"name":922,"type":7,"value":1113},"what-is-shoplifting",{"codename":1099,"collection":80,"id":1115,"language":80,"lastModified":1116,"name":1115,"sitemapLocations":1117,"type":927,"workflowStep":783,"workflow":783},"befee860-6e2f-01ec-af08-eb9f614b6673","2025-07-02T10:31:40.0959577Z",[],{"elements":1119,"system":1124},{"text":1120,"anchor_id":1122},{"name":189,"type":7,"value":1121},"Why do people shoplift?",{"name":922,"type":7,"value":1123},"why-do-people-shoplift",{"codename":1100,"collection":80,"id":1125,"language":80,"lastModified":1116,"name":1125,"sitemapLocations":1126,"type":927,"workflowStep":783,"workflow":783},"fef14411-782e-01d9-1d78-36faf6963ede",[],{"elements":1128,"system":1133},{"text":1129,"anchor_id":1131},{"name":189,"type":7,"value":1130},"What are the UK laws around shoplifting?",{"name":922,"type":7,"value":1132},"what-are-the-uk-laws-around-shoplifting",{"codename":1101,"collection":80,"id":1134,"language":80,"lastModified":1116,"name":1134,"sitemapLocations":1135,"type":927,"workflowStep":783,"workflow":783},"b10d6099-7c77-018d-45b5-31760c042a4d",[],{"elements":1137,"system":1142},{"text":1138,"anchor_id":1140},{"name":189,"type":7,"value":1139},"Do you need insurance to protect against shoplifters?",{"name":922,"type":7,"value":1141},"do-you-need-insurance-to-protect-against-shoplifters",{"codename":1102,"collection":80,"id":1143,"language":80,"lastModified":1116,"name":1143,"sitemapLocations":1144,"type":927,"workflowStep":783,"workflow":783},"b8df4321-4f52-01a8-b54a-deb00546a4c0",[],{"elements":1146,"system":1151},{"text":1147,"anchor_id":1149},{"name":189,"type":7,"value":1148},"Tips to keep your business protected from shoplifters",{"name":922,"type":7,"value":1150},"tips-to-keep-your-business-protected-from-shoplifters",{"codename":1103,"collection":80,"id":1152,"language":80,"lastModified":1116,"name":1152,"sitemapLocations":1153,"type":927,"workflowStep":783,"workflow":783},"d1e6b3f0-5247-0138-142c-54bd02263e43",[],{"elements":1155,"system":1160},{"text":1156,"anchor_id":1158},{"name":189,"type":7,"value":1157},"How to spot a shoplifter",{"name":922,"type":7,"value":1159},"how-to-spot-a-shoplifter",{"codename":1104,"collection":80,"id":1161,"language":80,"lastModified":1116,"name":1161,"sitemapLocations":1162,"type":927,"workflowStep":783,"workflow":783},"1a5f837b-0b83-01e6-ca82-750869755c30",[],{"elements":1164,"system":1169},{"text":1165,"anchor_id":1167},{"name":189,"type":7,"value":1166},"What should you do if you see a shoplifter in action?",{"name":922,"type":7,"value":1168},"what-should-you-do-if-you-see-a-shoplifter-in-action",{"codename":1105,"collection":80,"id":1170,"language":80,"lastModified":1116,"name":1170,"sitemapLocations":1171,"type":927,"workflowStep":783,"workflow":783},"4f6ae006-f7c4-01e3-a770-e1d3ce9103f9",[],{"elements":1173,"system":1178},{"text":1174,"anchor_id":1176},{"name":189,"type":7,"value":1175},"What to do if you’ve been a victim of theft",{"name":922,"type":7,"value":1177},"what-to-do-if-youve-been-a-victim-of-theft",{"codename":1106,"collection":80,"id":1179,"language":80,"lastModified":1116,"name":1179,"sitemapLocations":1180,"type":927,"workflowStep":783,"workflow":783},"c88cdba5-5636-0152-aead-23008f301448",[],[],"\u003Cp>Running a small business comes with its fair share of challenges, but one that’s often overlooked is shoplifting.  \u003C\u002Fp>\n\u003Cp>Shoplifting can seriously impact your business, from loss of revenue to lack of trust, it’s not easy to try and pick yourself — and your shop — back up after it happens.  \u003C\u002Fp>\n\u003Cp>In 2023 alone, over \u003Ca href=\"https:\u002F\u002Fwww.ons.gov.uk\u002Fpeoplepopulationandcommunity\u002Fcrimeandjustice\u002Fbulletins\u002Fcrimeinenglandandwales\u002Fyearendingseptember2023\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">402,400 shoplifting offences\u003C\u002Fa> were recorded by police in England and Wales, up by 32% compared to 2022 — that’s a lot of stock being taken off the shelves.  \u003C\u002Fp>\n\u003Cp>But how can you prevent becoming just another number? We’ll tell you everything you need to know in this Bionic guide.  \u003C\u002Fp>\n\u003Cfigure data-asset-id=\"32109f56-8f66-4697-9ed8-1bc1e01122ae\" data-image-id=\"32109f56-8f66-4697-9ed8-1bc1e01122ae\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F0d80d255-c773-4cbf-8248-26db3e36ccdb\u002FGettyImages-1996153491%20%281%29.jpg\" data-asset-id=\"32109f56-8f66-4697-9ed8-1bc1e01122ae\" data-image-id=\"32109f56-8f66-4697-9ed8-1bc1e01122ae\" alt=\"Young woman stealing a chocolate bar and putting it in her handbag\">\u003C\u002Ffigure>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"befee860_6e2f_01ec_af08_eb9f614b6673\">\u003C\u002Fobject>\n\u003Ch2>What is shoplifting?\u003C\u002Fh2>\n\u003Cp>Shoplifting can threaten the livelihood of your business, but what exactly is it? \u003C\u002Fp>\n\u003Cp>Well, shoplifting refers to someone taking goods from your shop without paying for them, meaning you have a loss of \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-essentials\u002Fguides\u002Fhow-to-manage-stock\u002F\">inventory\u003C\u002Fa> \u003Cstrong>and \u003C\u002Fstrong>a loss of income.  \u003C\u002Fp>\n\u003Cp>Shoplifting affects not just the store and its employees, who work hard to provide a service, but also the community. Prices might go up to cover losses, and trust can dwindle between the business and its customers.  \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"fef14411_782e_01d9_1d78_36faf6963ede\">\u003C\u002Fobject>\n\u003Ch2>Why do people shoplift?\u003C\u002Fh2>\n\u003Cp>Unfortunately, people shoplift for a variety of reasons, each as unique as the individuals themselves. Some of the main reasons include: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Economic need or gain \u003C\u002Fstrong>—  Sometimes, people find themselves in a tough spot financially, especially during the \u003Ca href=\"https:\u002F\u002Fcommonslibrary.parliament.uk\u002Fresearch-briefings\u002Fcbp-9428\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">rising cost of living\u003C\u002Fa> crisis the UK has been in for the past few years. The pressure to meet basic needs or the desire for something they can’t afford might lead people to take items without paying for them.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Compulsion \u003C\u002Fstrong>— For some, shoplifting isn’t about what items they take but the act itself. It can be a compulsion, a strong urge that’s hard to control. This is often related to a deeper emotional or physiological issue.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Thrill-seeking or rebellion \u003C\u002Fstrong>— The adrenaline rush of taking something without getting caught can be a powerful lure for thrill seekers, and, unfortunately, it’s your business that gets caught in the crossfire. This is especially true for teenagers, as it might be a form of rebellion and a way to push against the rules and test limits.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Peer pressure \u003C\u002Fstrong>— We all know it’s human nature to want to fit in, especially when you’re young. Sometimes, the influence of friends or peers can lead to someone being peer pressured into shoplifting to gain approval or feel like they belong to a group. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Habit or addiction \u003C\u002Fstrong>— What starts as a one-time thing can, for some, turn into a destructive habit or even an addiction. The repetitive nature of shoplifting becomes part of their routine and can be addictive if they’re not getting caught. This can be extremely challenging to break away from.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Mental health issues \u003C\u002Fstrong>— Mental health conditions such as depression, anxiety, or more complex disorders can sometimes manifest themselves in behaviours like shoplifting. It can be a cry for help or a way for individuals to cope with overwhelming emotions or situations.  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"b10d6099_7c77_018d_45b5_31760c042a4d\">\u003C\u002Fobject>\n\u003Ch2>What are the UK laws around shoplifting?\u003C\u002Fh2>\n\u003Cp>The UK does have laws in place for anyone who’s \u003Cstrong>caught \u003C\u002Fstrong>shoplifting.  \u003C\u002Fp>\n\u003Cp>Shoplifting is an offence under Section 1 of the ‘\u003Ca href=\"https:\u002F\u002Fwww.legislation.gov.uk\u002Fukpga\u002F1968\u002F60\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Theft Act 1968\u003C\u002Fa>’ and anyone caught will be charged with the following:\u003C\u002Fp>\n\u003Cp>If the cost of the goods stolen is \u003Cstrong>less than £200\u003C\u002Fstrong> — also known as ‘low-value shoplifting — the person will be charged under Section 176 of the ‘\u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fgovernment\u002Fcollections\u002Fanti-social-behaviour-crime-and-police-bill\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Anti-Social Behaviour, Crime and Policing Act\u003C\u002Fa>’. The penalty for this is a £70 fine without the thief having to appear at the Magistrates. However, they could get a maximum sentence of six months.\u003C\u002Fp>\n\u003Cp>On the other hand, if the stolen goods cost \u003Cstrong>more than £200\u003C\u002Fstrong>, the penalty for shoplifting can be up to seven years in prison.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"b8df4321_4f52_01a8_b54a_deb00546a4c0\">\u003C\u002Fobject>\n\u003Ch2>Do you need insurance to protect against shoplifters? \u003C\u002Fh2>\n\u003Cp>One of the biggest worries small business owners can face is the risk of someone stealing from their store. No matter the value of what they steal, it can leave you feeling frustrated, sad or even angry.  \u003C\u002Fp>\n\u003Cp>Unfortunately, the wording around shoplifting in insurance can be vague, and, in most cases, insurance policies \u003Cstrong>don’t cover \u003C\u002Fstrong>shoplifting for a number of reasons. The main one is that without definite proof, such as CCTV showing the event in detail, most insurers simply won’t cover it.  \u003C\u002Fp>\n\u003Cp>The definition of theft for \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\">business insurance\u003C\u002Fa> is “something is stolen by violent or forcible means”. This effectively means shoplifting is excluded unless someone is assaulted or physically breaks into the property. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"d1e6b3f0_5247_0138_142c_54bd02263e43\">\u003C\u002Fobject>\n\u003Ch2>Tips to keep your business protected from shoplifters \u003C\u002Fh2>\n\u003Cp>Keeping your business safe from shoplifters can sometimes be challenging, especially when you don’t know if and when they’ll strike. Here are some smart tips to help keep your business secure: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Know how to spot a shoplifter \u003C\u002Fstrong>— It’s not always easy to spot a shoplifter, especially when they can just look like a normal member of the public. Train yourself and your team to recognise any signs that might be classed as suspicious. This can be anything from excessive fidgeting, wearing bulky clothes on a warm day or constantly watching staff instead of browsing items. But, it’s sometimes about your intuition and observation skills.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Create shoplifting policies \u003C\u002Fstrong>— Create a helpful playbook for your team that outlines the steps to take when they suspect someone is shoplifting. This could include things like engaging the customer in a friendly conversation or having discreet signals to alert security or management if you think someone is potentially going to steal. Make sure to empower your staff so they know what’s expected of them and that they’re supported.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Make sure to use crime mapping \u003C\u002Fstrong>— Crime mapping is used by analysts to map, visualise and analyse crime incident patterns. By understanding where and when shoplifting happens most, you can adjust your security measures, staff schedules and even your store layout to stay one step ahead! \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Use electronic tags \u003C\u002Fstrong>— These are the silent heroes of inventory security. There are a few different variations of them, such as ones that beep at the exit to ones that spill ink on items — such as clothes — if they’re forcibly removed. This not only deters theft but also protects an item from being sold if stolen.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Complete regular stock takes \u003C\u002Fstrong>— Regular inventory checks can be a huge help in knowing what has been stolen from your shop. They ensure that everything is accounted for and can help spot trends in missing items. Learn about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-essentials\u002Fguides\u002Fhow-to-manage-stock\u002F\">how to manage your stock\u003C\u002Fa> in our guide. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Redo your business layout \u003C\u002Fstrong>— Redesigning the layout of your business can be a hassle, but if you’ve seen a sharp rise in items being stolen, it can be a big help. Essentially, you want to design your shop so everything is visible and accessible, and there are no dark corners for shoplifters to hide. Use high shelves for high-value items and position the till near the exit, making it a natural checkpoint.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Use CCTV \u003C\u002Fstrong>— CCTV cameras are essential when you’re running your business. From a small clothing store on the high street to a jewellery shop in an indoor market, watching over your shop is key. Place CCTV cameras across the shop to cover as much area as possible, especially any spots that may be less visible to staff. Modern systems allow remote monitoring, so you can keep an eye on your store when you’re not even there!  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n1a5f837b_0b83_01e6_ca82_750869755c30\">\u003C\u002Fobject>\n\u003Ch2>How to spot a shoplifter  \u003C\u002Fh2>\n\u003Cp>Spotting a shoplifter isn’t always the easiest of tasks, especially when you might not really be sure \u003Cem>what \u003C\u002Fem>you’re looking for. However, there are a number of tell-tale signs that can flag someone as a shoplifter.  \u003C\u002Fp>\n\u003Ch3>Watching you or your staff \u003C\u002Fh3>\n\u003Cp>If someone seems more interested in your or your team's movements than the items you’ve got on sale, then this could be a red flag.  \u003C\u002Fp>\n\u003Cp>This could mean that they’re potentially trying to track the movements of your staff to find the perfect moment to make their move.  \u003C\u002Fp>\n\u003Ch3>Talking to keep your attention \u003C\u002Fh3>\n\u003Cp>Some shoplifters use conversation as a tool to distract staff members.  \u003C\u002Fp>\n\u003Cp>By engaging in a lengthy conversation about anything and everything, as well as asking numerous questions, they aim to divert your attention away from their actions or the actions of something they’re working with.  \u003C\u002Fp>\n\u003Cp>This tactic can be quite effective because it makes you want to provide good customer service as a business owner.\u003C\u002Fp>\n\u003Ch3>Taking little notice of the products \u003C\u002Fh3>\n\u003Cp>You might notice that people who show little interest in the products you sell might be in the shop for the wrong reasons.  \u003C\u002Fp>\n\u003Cp>Instead of examining items, reading labels or checking sizes, they may simply wander through the aisles with a vague, unfocused gaze. This lack of engagement is usually in stark contrast to someone who is a typical shopper.  \u003C\u002Fp>\n\u003Ch3>Nervous behaviour  \u003C\u002Fh3>\n\u003Cp>Nervousness and anxiety can manifest in different ways. This can include things like fidgeting, sweating, avoiding eye contact or just a general feeling of unease.  \u003C\u002Fp>\n\u003Cp>While not all nervous customers are shoplifters, people who give off excessive nervous energy, combined with other suspicious behaviours, can be a sign of someone who is guilty!\u003C\u002Fp>\n\u003Ch3>Frequently enters the store and never makes a purchase \u003C\u002Fh3>\n\u003Cp>If you regularly notice the same person entering your store without ever making a purchase, it can be a red flag. While it isn’t always necessarily the case (maybe they just like to browse!), this behaviour might indicate that they’re scoping the store to understand its layout, security measures and peak times of business. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n4f6ae006_f7c4_01e3_a770_e1d3ce9103f9\">\u003C\u002Fobject>\n\u003Ch2>What should you do if you see a shoplifter in action? \u003C\u002Fh2>\n\u003Cp>It can be hard to know what to do if you see someone stealing from your shop, and, in the heat of the moment, you may only have a split second to react.  \u003C\u002Fp>\n\u003Cp>According to the \u003Ca href=\"https:\u002F\u002Fwww.met.police.uk\u002Fcp\u002Fcrime-prevention\u002Fkeeping-business-safe-from-crime\u002Fspot-a-shoplifter\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Metropolitan Police\u003C\u002Fa>, if you see someone stealing, then ask them politely to put the item back and make sure to keep your tone neutral. If you feel threatened, back off — you never know if they might have a weapon on them.  \u003C\u002Fp>\n\u003Cp>Always be sure that someone has actually stolen before you speak to them. Once you’re sure, then call 999 and report it.  \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"c88cdba5_5636_0152_aead_23008f301448\">\u003C\u002Fobject>\n\u003Ch2>What to do if you’ve been a victim of theft \u003C\u002Fh2>\n\u003Cp>The fact of the matter is, shoplifting does happen. And while it’s not always preventable, it’s good to know what to do if you’ve been a victim of theft.  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Report the incident to the police \u003C\u002Fstrong>— Your first step should be informing the police about the theft. If possible, provide them with as much detail as possible, including the estimated time frame, a description of the stolen item(s) and any other information you think might be relevant. This is crucial for starting the official investigation process and potentially recovering any stolen goods.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Review security footage \u003C\u002Fstrong>— If you have CCTV footage, review it and gather the evidence so it’s possible to potentially identify the people involved. This can be invaluable information for the police who are investigating and can also help you understand how the theft occurred. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Record what's been stolen \u003C\u002Fstrong>— Take stock of what has been taken to understand the full impact. This will not only be necessary for the police report, but also for insurance claims and your records. It’ll help you understand the value of the loss and the next steps for planning how you will recover. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Contact your insurance company \u003C\u002Fstrong>— You never want to make a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbusiness-insurance-claim\u002F\">claim on your business insurance\u003C\u002Fa>, but in this case, it's important that you notify your insurance provider about the theft as soon as possible. You’ll need to provide them with a list of stolen items and details about the incident.   \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Strengthen security measures \u003C\u002Fstrong>— After a theft, it’s so important that you review and improve your security measures to prevent any future incidents. This might involve upgrading locks on more high-value items, installing better lighting or increasing the amount of cameras you have around the shop.  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>Protect your business with Bionic \u003C\u002Fh2>\n\u003Cp>We understand the effects shoplifting can have on your business and the pain it can leave you in. From out-of-pocket charges for replacing stock to that uneasy feeling in the pit of your stomach, it’s not easy to get over. \u003C\u002Fp>\n\u003Cp>At Bionic, we’ve got your \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\">business insurance\u003C\u002Fa> covered. Get cover for your premises, your people, your stock and more. We’ll help you compare, switch and renew, just call one of our tech-enabled experts a call on 0800 860 6833 or start a quote online. \u003C\u002Fp>\n\u003Cp>Find out more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002F\">business insurance with our guides\u003C\u002Fa>.  \u003C\u002Fp>",{"name":788,"type":14,"value":1184,"linkedItems":1185},[1031],[],{"name":793,"type":14,"value":1187,"linkedItems":1188},[790],[],{"name":798,"type":799,"value":1190,"displayTimeZone":801},"2024-03-28T14:00:00Z",{"name":803,"type":799,"value":783,"displayTimeZone":783},{"name":805,"type":11,"value":1193},"how-to-protect-your-small-business-from-shoplifters\u002F",{"name":808,"type":7,"value":1195},"How To Protect Your Small Business From Shoplifters | Bionic ",{"name":811,"type":7,"value":1197},"Shoplifting can be detrimental to your business. Whether it’s a large amount of stock or one item, find out how to protect your business with Bionic.",{"name":814,"type":815,"value":1199},[1200],{"name":818,"codename":819},{"name":821,"type":7,"value":1202},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fhow-to-protect-your-small-business-from-shoplifters\u002F",{"name":824,"type":14,"value":1204,"linkedItems":1205},[],[],{"name":828,"type":14,"value":1207,"linkedItems":1208},[830],[],{"name":833,"type":14,"value":1210,"linkedItems":1211},[],[],{"name":838,"type":14,"value":1213,"linkedItems":1214},[],[],{"name":843,"type":22,"value":1216},[1217],{"name":1218,"description":1093,"type":312,"size":1219,"url":1095,"width":1097,"height":1096,"renditions":1220},"GettyImages-1996153491 (1).jpg",269640,{},{"name":850,"type":815,"value":1222},[1223],{"name":853,"codename":854},{"name":856,"type":815,"value":1225},[1226],{"name":818,"codename":819},{"name":860,"type":815,"value":1228},[1229],{"name":818,"codename":819},{"name":864,"type":815,"value":1231},[1232],{"name":853,"codename":854},{"codename":752,"collection":80,"id":1234,"language":80,"lastModified":1116,"name":1235,"sitemapLocations":1236,"type":871,"workflowStep":86,"workflow":80},"44862bd8-bb0c-4201-8b46-7b3ec34ebec0","INSURANCE GUIDE: How to Protect Your Small Business From Shoplifters: Top Tips Guide",[],{"elements":1238,"system":1304},{"post__title":1239,"post__summary":1241,"post__content":1243,"post__author":1253,"post__reviewer":1256,"publish_date":1260,"updated_date":1263,"url":1264,"seo__meta_title":1266,"seo__meta_description":1267,"seo__add_no_index_tag":1269,"seo__canonical_url":1272,"related_articles":1274,"categories":1277,"subfolder":1280,"tags":1283,"thumbnail_image":1286,"show_on_index_page":1292,"hide_author":1295,"hide_reviewer":1298,"hide_tags":1301},{"name":147,"type":7,"value":1240},"How to write a UK employment contract for a small business in 2025\u002F26",{"name":760,"type":7,"value":1242},"Learn how to write a UK employment contract and understand the upcoming Employment Rights Bill so your contracts follow the law. Read more now.",{"images":1244,"linkedItemCodenames":1249,"linkedItems":1250,"links":1251,"name":785,"type":190,"value":1252},[1245],{"description":1246,"imageId":1247,"url":1248,"height":768,"width":769},"Bionic branded graphic with text \"Writing an employment contract\" and \"employment rights bill\" with graphics of small cartoon people swirling round in a pattern and a cartoon graphic of a paper saying \"law\" with a yellow, judge's hammer.","1a11ef42-90e8-483d-b3b4-dfdc03ffe859","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F0b461ee5-5b7c-4d47-863c-ee7db1ba467b\u002FEmployment%20contract%20%281%29%20%281%29.png",[],[],[],"\u003Cp>Writing your first employment contract doesn't have to be complicated, but you need to get it right. There are major changes coming to employment law over the next few years with the upcoming Employment Rights Bill - so getting your contracts written up correctly from the get-go will be key. \u003C\u002Fp>\n\u003Cp>Taking on new staff is an exciting time for your business, but it also comes with boring admin. Every employee needs an employment contract with their employer from the moment they accept a job offer, so understanding what you need to include is vital. \u003C\u002Fp>\n\u003Cp>This guide walks you through everything you need to include when it comes to employment contracts in 2025 and beyond. With the upcoming legislation in mind, lets dive in.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"1a11ef42-90e8-483d-b3b4-dfdc03ffe859\" data-image-id=\"1a11ef42-90e8-483d-b3b4-dfdc03ffe859\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F0b461ee5-5b7c-4d47-863c-ee7db1ba467b\u002FEmployment%20contract%20%281%29%20%281%29.png\" data-asset-id=\"1a11ef42-90e8-483d-b3b4-dfdc03ffe859\" data-image-id=\"1a11ef42-90e8-483d-b3b4-dfdc03ffe859\" alt=\"Bionic branded graphic with text "Writing an employment contract" and "employment rights bill" with graphics of small cartoon people swirling round in a pattern and a cartoon graphic of a paper saying "law" with a yellow, judge's hammer.\">\u003C\u002Ffigure>\n\u003Ch2>\u003Cstrong>What is a contract of employment?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>A contract of employment, or an employment agreement, is a mandatory document that allows businesses to hire employees. They’re used pretty much across every sector, allowing employers to set out expectations, including benefits, pay and more. \u003C\u002Fp>\n\u003Cp>A contract exists as soon as a potential employee agrees to an offer of employment, regardless of whether the offer is a written document or a spoken agreement.\u003C\u002Fp>\n\u003Ch2>\u003Cstrong>What legal requirements do I need to include in a UK employment contract right now?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Employment law has seen some changes over the years, so it’s a good idea to brush up on what you need to include in a contract, keeping recent and upcoming reforms in mind. Here's what you must include in 2025: \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Principal statements \u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>You need to include key employment details on or before your employee's first day. This principal statement must include: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Employee's name and your business name \u003C\u002Fli>\n  \u003Cli>Job title and start date \u003C\u002Fli>\n  \u003Cli>Place of work and normal working hours \u003C\u002Fli>\n  \u003Cli>Pay rate and when they'll be paid \u003C\u002Fli>\n  \u003Cli>Holiday entitlement details \u003C\u002Fli>\n  \u003Cli>Any probation period length and conditions \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Additional statement details\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>You have up to two months to provide these extra details to HMRC. \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Pension arrangements or where to find information \u003C\u002Fli>\n  \u003Cli>Notice periods for both sides \u003C\u002Fli>\n  \u003Cli>Details of any collective agreements \u003C\u002Fli>\n  \u003Cli>Training requirements and who pays \u003C\u002Fli>\n  \u003Cli>Disciplinary and grievance procedures \u003C\u002Fli>\n  \u003Cli>Any oversees work terms \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>\u003Cstrong>How should I structure a contract?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>A well-structured contract prevents confusion from your employee and protects your business. Consider breaking it up into sections, following this process. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>1. Job information section\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Start with the basics that identify you as the employer and them as the employee \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Full legal names (yours and theirs) \u003C\u002Fli>\n  \u003Cli>Their job title and department \u003C\u002Fli>\n  \u003Cli>Who they report to and the location of the work \u003C\u002Fli>\n  \u003Cli>Start date and employment type (permanent, fixed-term, part-time) \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong> 2.  Pay and benefits details\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Be specific about salary and benefits to avoid any issues down the line, include: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Annual salary or hourly rate \u003C\u002Fli>\n  \u003Cli>Payment frequency (weekly, monthly) \u003C\u002Fli>\n  \u003Cli>Any pay for overtime \u003C\u002Fli>\n  \u003Cli>Bonus or commission structures \u003C\u002Fli>\n  \u003Cli>Benefits like pension contributions \u003C\u002Fli>\n  \u003Cli>Other benefits like healthcare, discounts or freebies \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>3. Working hours and flexibility\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>With flexible working soon becoming a day-one right, clearly outline: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Normal working hours and days \u003C\u002Fli>\n  \u003Cli>Break entitlements – how many a day and how long? \u003C\u002Fli>\n  \u003Cli>Flexible working policy and how to request changes \u003C\u002Fli>\n  \u003Cli>Remote working arrangements if applicable \u003C\u002Fli>\n  \u003Cli>Any requirement to work additional hours \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>4. Leave entitlements\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>You should include details on all types of leave to avoid confusion: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Annual holiday allowance (minimum 28 days including bank holidays) \u003C\u002Fli>\n  \u003Cli>Notice required for taking leave \u003C\u002Fli>\n  \u003Cli>Sick leave policy and pay arrangements \u003C\u002Fli>\n  \u003Cli>Maternity, paternity, and other family leave rights \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>\u003Cstrong>Understanding the Employment Rights Bill\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>The government have set out a new Employment Rights Bill which is currently making its way through the final stages of parliament.  \u003C\u002Fp>\n\u003Cp>The aim of this bill is to tighten up employment laws, giving workers more rights and to tackle low pay and poor working conditions and poor job security. The changes are set to roll out in stages over the coming years.  \u003C\u002Fp>\n\u003Cp>\u003Cstrong>What changes are being made to employment laws?\u003C\u002Fstrong> \u003C\u002Fp>\n\u003Cp>The Employment Rights Bill has already brought in some changes and there’s more to come. Here’s a breakdown. \u003C\u002Fp>\n\u003Ch3>April 2026 changes \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Flexible working requests from day one \u003C\u002Fstrong>- Employees are within their right to request flexible working from their first day and they can make two requests per year. Employers must respond to this within two months. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>One week of leave for care responsibilities\u003C\u002Fstrong> – Employees have a right to take unpaid leave to care for an immediate family member – this is also a day one right. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Increased protection for pregnant employees\u003C\u002Fstrong> – Employees taking parental leave are now protected against redundancy for at least 18 months after a child is born, not just on maternity leave. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>More flexibility for paternity leave \u003C\u002Fstrong>– Employees taking statutory paternity leave can now take their two weeks at separate times instead of one two-week block. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Collective redundancy consultation\u003C\u002Fstrong> – May mean multi-sites employers need to carry out multi-site consultation – where businesses must inform trade union on redundancies of more than 20 people. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Enhanced whistleblowing protections\u003C\u002Fstrong> – To give more protection to employees who come forward to suggest wrongdoing by their employer \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>October 2026 \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Tougher ‘Fire and rehire’ practices \u003C\u002Fstrong>– If you try to dismiss employees for failing to agree to changes, it will be a lot harder with tougher restrictions in place \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>Changes due in 2027 \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Day one right to unfair dismissal \u003C\u002Fstrong>– Employees will now be able to claim unfair dismissal as soon as they start working \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Reforms to zero-hours contracts\u003C\u002Fstrong> – After a defined period (normally 12 weeks), employers will have to offer guaranteed hours based on those they have been working, including any agency workers you take on. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Adjusted bereavement leave \u003C\u002Fstrong>- Time off for bereavement for pregnancies for up to 24 weeks \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>What does this mean for my contracts? \u003C\u002Fh3>\n\u003Cp>When creating new contracts, you’ll need to include new policies as they are passed by law. It’s a good idea to start preparing what you’re going to include now by: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Consider stricter hiring processes -\u003C\u002Fstrong> Make sure the employee is right for your business as it may be harder to dismiss them once they start working, even after in a probationary period. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Reviewing zero-hours arrangements\u003C\u002Fstrong> – Can you afford to offer guaranteed hours to staff? \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Updating harassment prevention policies \u003C\u002Fstrong>– Make sure you are taking ALL steps to prevent sexual harassment, by providing regular training \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Ensure your staff conduct work in a professional manner \u003C\u002Fstrong>- You may be liable for third-party harassment, so keep this in mind. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Think about building in flexibility into contract terms\u003C\u002Fstrong> – How can you offer this even when you’re a small business? \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>\u003Cstrong>How can I avoid costly contract mistakes?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Whether you run a takeaway, a shop or anything in between - learning from others' mistakes can save time, money, and potential legal problems. Here are some of most common pitfalls employers face with contracts. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Using generic templates\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Using outdated templates - \u003C\u002Fstrong>Employment law changes frequently, so always check your templates are up to date. You can use an online template but always check through it to ensure it includes everything in-line with current employment law. Sites like LawDepot and Indeed have templates you can download. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Using a one-size-fits-all approach - \u003C\u002Fstrong>Different roles need different terms. For example, a car salesman contract will be completely different for someone working in an office admin role. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Missing industry-specific clauses -\u003C\u002Fstrong> Construction workers need different health and safety terms than office staff as the work they do is much more dangerous. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>\"Fluffy language” that isn’t clear\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Vague job descriptions - \u003C\u002Fstrong>\"Other duties as required\" is not clear if you include that in a contract, it could lead to disputes. Always specify duties.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Unclear working times -\u003C\u002Fstrong> Not specifying whether overtime is expected or voluntary could lead to unhappy employees and issues down the line. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>No following legal compliance\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Ignoring minimum wage rates –\u003C\u002Fstrong> Minimum wage changes annually, so you need to update pay rates accordingly. As of April 2025, minimum wage is £12.21 per hour for over 21s, £10 per hour for those aged 18-20 and £7.55 for those under 18 and apprentices. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Missing employee rights -\u003C\u002Fstrong> Failing to include legal minimums for holidays, breaks, or family leave could lead to issues as employees are entitled to 28 days holiday. (including bank holidays), and at least a 20-minute break if they work for six hours or more. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Outdated policies - \u003C\u002Fstrong>New requirements like sexual harassment policies have to be communicated to employees. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Missing clauses\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>\u003Cstrong>No variation clauses – \u003C\u002Fstrong>If you need to make a major business change – like moving premises, consider the impact this could have on your employees.  You should clearly write in changes to your contract to help your business grow without issues. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Rigid working arrangements - \u003C\u002Fstrong>With flexible working becoming a day-one right, you should try to build in some flexibility. This can be hard when you have shift work, but making a rota to suit employees lives outside of work can go a long way in keeping them onside. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Missing probation periods - \u003C\u002Fstrong>With day-one unfair dismissal rights coming in 2026, probation periods become more important, and they may change. Outlining why someone could be dismissed in-line with law, is key as it’s looking like it’ll become harder to dismiss an employee unless they are not suitable for the role or breach their contract in some way. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Falex-mccloy\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">\u003Cem>Alex Mcloy\u003C\u002Fem>\u003C\u002Fa>\u003Cem> – Legal Counsel at Bionic states – “Employees have lives outside of work and may request flexible working to drop their kids off at school and pick them up. In the upcoming Employment Rights Bill, as an employer, you have to consider their request. Outright refusing without any explanation or unfair reasons could cause you legal issues as employees will have more rights.”\u003C\u002Fem> \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>Where can I find reliable templates?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>There are plenty of (free) online templates to get you started – but keep in mind you should check these are up to date and amend them for your own business. For example, if you are a cafe then include uniform requirements including suitable shoes that are safe for work purposes, you should also outline if the employee needs to pay for these. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Free government templates\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Facas.org.uk\u002Ftemplates-for-written-statements\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">ACAS\u003C\u002Fa> and \u003Ca href=\"https:\u002F\u002Fwww.lawdepot.co.uk\u002Fbusiness\u002Femployment-contract\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">LawDepot\u003C\u002Fa> provide free employment contract templates that meet legal requirements. These could be suitable for shops, salons, takeaways and many more small businesses as well as those who need contractors. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>What about different types of employment contracts?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>If you’re looking to hire someone full time then the most common type of contract is for full-time permanent employment, but some businesses increasingly use flexible arrangements or zero-hour contracts. It’s a good idea to consider which type you want to offer. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Permanent contracts\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>These are standard open-ended contracts that continue until terminated by either party with proper notice. These are best for core team members who work full time and that you want to keep long-term. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Fixed-Term contracts\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>These are normally used for specific projects, seasonal work, or maternity cover. These are good options for construction projects or cover if someone is off sick for a period of time. Think about including: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>A clear end date or completion criteria \u003C\u002Fli>\n  \u003Cli>The reason it’s a fixed term contract \u003C\u002Fli>\n  \u003Cli>The same rights as permanent employees \u003C\u002Fli>\n  \u003Cli>Fair treatment regarding benefits (depending on the length of the contract, consider offering some benefits, like free food) \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Part-time and flexible contracts\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>These contracts are growing in popularity, especially with new flexible working rights for employees. These should include: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Specific working days and hours \u003C\u002Fli>\n  \u003Cli>Pro-rata holiday and benefit calculations \u003C\u002Fli>\n  \u003Cli>Overtime arrangements \u003C\u002Fli>\n  \u003Cli>Flexible working policies \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Zero-hours contracts\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>These are contracts where hours are based on demand of work, and employees are not contracted to do any work if there isn’t any. However, major changes are coming to zero-hours contracts to stop employers exploiting them and to give workers more security. \u003C\u002Fp>\n\u003Cp>These changes are set to come in 2027, with more details to be revealed. But expect: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Predictable hours based on historical patterns \u003C\u002Fli>\n  \u003Cli>Reasonable notice of shift changes \u003C\u002Fli>\n  \u003Cli>Protection from cancelled shifts last minute \u003C\u002Fli>\n  \u003Cli>Offers of guaranteed hours  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>\u003Cstrong>Don't forget you’ll need insurance\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>If you employ any staff, you need \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Femployers-liability-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">employers' liability insurance\u003C\u002Fa> by law. \u003C\u002Fp>\n\u003Cp>This type of insurance can help protect against workplace injury claims. For example, if an employee burns themselves working in a kitchen or slips on a greasy floor and puts in a claim. Learn more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fworkplace-accident-employer-responsibilities\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">employee injuries at work\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>Common questions about employment contracts\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Ch3>\u003Cstrong>Do I need written contracts for all employees?\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>While employment contracts don't have to be legally written, it’s a good idea to write them up.  You must provide all the information outlined above, including hours, pay and benefits - for example.  \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Do I need to send employee contracts to HMRC?\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>No, you don’t need to send employee contracts to HMRC, but you need to tell them who your employees are through Payroll. To do this, you must \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-essentials\u002Fguides\u002Fhow-to-register-a-business\u002F\">register as an employer\u003C\u002Fa> and get an \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Femployer-reference-number\u002F\">ERN number\u003C\u002Fa>. An employer reference number that allows you to pay your employees. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Can I change employee contracts after signing?\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>This can be quite difficult once a contract is signed. Depending on what you need changing, you should consult with a legal professional*. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>What happens if I make mistakes?\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you make an error once the contract is signed, you can try to correct it with written consent from your employee. But, if you wish to change pay or working conditions down the line, you may run into trouble with unions or tribunal claims – so it’s best to get legal advice on your individual matter.  \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>How often should I update employment contracts?\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Always review your employment contracts annually. And with the upcoming changes in employment law,  It’s really important to check you’re updating your policies to reflect new changes.  \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>How Bionic can support you\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>While writing in new changes into employment contracts can seem a headache, sorting out your business essentials doesn’t need to be. At Bionic, we can help support your business in other ways – from sorting out your next business energy contract to finding business insurance that fits the needs of your business.  \u003C\u002Fp>\n\u003Cp>Speak to our team or start a quote online to \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">compare business insurance\u003C\u002Fa> to find cover that fits your business. \u003C\u002Fp>\n\u003Cp>\u003Cem>Bionic does not provide legal advice. The information provided is for general informational purposes only and should not be relied upon as a substitute for professional legal counsel. If you are unsure about any aspect of your employment contract, please consult a qualified legal professional.\u003C\u002Fem>\u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>",{"name":788,"type":14,"value":1254,"linkedItems":1255},[1031],[],{"name":793,"type":14,"value":1257,"linkedItems":1259},[1258],"author___alex_mccloy",[],{"name":798,"type":799,"value":1261,"displayTimeZone":1262},"2025-09-12T15:35:00Z","UTC",{"name":803,"type":799,"value":783,"displayTimeZone":783},{"name":805,"type":11,"value":1265},"how-to-write-a-contract-of-employment\u002F",{"name":808,"type":7,"value":1240},{"name":811,"type":7,"value":1268},"Learn how to write a UK employment contract and understand upcoming changes in law to stay compliant.",{"name":814,"type":815,"value":1270},[1271],{"name":818,"codename":819},{"name":821,"type":7,"value":1273},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fhow-to-write-a-contract-of-employment\u002F",{"name":824,"type":14,"value":1275,"linkedItems":1276},[],[],{"name":828,"type":14,"value":1278,"linkedItems":1279},[830],[],{"name":833,"type":14,"value":1281,"linkedItems":1282},[],[],{"name":838,"type":14,"value":1284,"linkedItems":1285},[],[],{"name":843,"type":22,"value":1287},[1288],{"name":1289,"description":1246,"type":27,"size":1290,"url":1248,"width":769,"height":768,"renditions":1291},"Employment contract (1) (1).png",117883,{},{"name":850,"type":815,"value":1293},[1294],{"name":853,"codename":854},{"name":856,"type":815,"value":1296},[1297],{"name":818,"codename":819},{"name":860,"type":815,"value":1299},[1300],{"name":818,"codename":819},{"name":864,"type":815,"value":1302},[1303],{"name":853,"codename":854},{"codename":753,"collection":80,"id":1305,"language":80,"lastModified":1306,"name":1307,"sitemapLocations":1308,"type":871,"workflowStep":86,"workflow":80},"e7c2554a-5f47-454e-8a7c-f1f6e8106e77","2025-09-12T14:52:33.8364466Z","INSURANCE GUIDE - How to write a UK employment contract for a small business in 2025\u002F26",[],{"codename":140,"collection":80,"id":1310,"language":80,"lastModified":1311,"name":1312,"sitemapLocations":1313,"type":1314,"workflowStep":86,"workflow":80},"b40662f8-103a-494f-90cc-589e2985abf2","2026-03-04T14:27:02.1670387Z","Content Block - Guides - Shops",[],"content_block___guides",{"elements":1316,"system":1340},{"title_left":1317,"text_left":1319,"cta_button_text":1325,"cta_link_url":1327,"image_right":1329},{"name":545,"type":7,"value":1318},"Not your usual boring business content!",{"images":1320,"linkedItemCodenames":1321,"linkedItems":1322,"links":1323,"name":163,"type":190,"value":1324},[],[],[],[],"\u003Cp>\u003Cstrong>Sign-up to The Backbone\u003C\u002Fstrong>, our free fortnightly newsletter for anyone who owns, runs, or works in one of the millions of businesses across the UK. Get the inside track from real business owners just like you\u003C\u002Fp>",{"name":48,"type":7,"value":1326},"Yes, sign me up",{"name":51,"type":7,"value":1328},"https:\u002F\u002Fbackbone.bionic.co.uk\u002Fsign-up",{"name":1330,"type":22,"value":1331},"Image Right",[1332],{"name":1333,"description":1334,"type":27,"size":1335,"url":1336,"width":1337,"height":1338,"renditions":1339},"backbone-image.png","Backbone cover photo",144987,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F3212614b-64af-47bf-8de8-bb4b18ed29cb\u002Fbackbone-image.png",452,403,{},{"codename":141,"collection":80,"id":1341,"language":80,"lastModified":1342,"name":1343,"sitemapLocations":1344,"type":1345,"workflowStep":86,"workflow":80},"31d6b6b9-30ef-4f5a-bde5-ec18f1823f86","2024-11-19T13:47:59.5857742Z","Content Block - Image with CTA - Ins Backbone",[],"content_block___image_with_cta",{"elements":1347,"system":1348},{},{"codename":142,"collection":80,"id":1349,"language":80,"lastModified":1350,"name":1351,"sitemapLocations":1352,"type":142,"workflowStep":86,"workflow":80},"27c81dfe-7041-4ad0-913b-6f7b41ef4a2b","2024-11-12T12:29:58.1483257Z","Content Block - Social",[],{"name":1354,"type":7,"value":1355},"Meta Title","Sandwich Shop Insurance From 82p a day | 86% of customers love our service",{"name":1357,"type":7,"value":1358},"Meta Description","We can tailor cover for over 6,000 business types, including sandwich shops. Switch today and your increase at renewal could be less than a pint with Bionic",{"name":1360,"type":7,"value":1361},"Meta Canonical","https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fsandwich-shop\u002F",{"name":1363,"type":815,"value":1364},"Meta Robots",[1365],{"name":1366,"codename":1366},"index",{"name":1368,"type":815,"value":1369},"Meta Aggregate Schema",[],{"codename":1371,"collection":80,"id":1372,"language":80,"lastModified":1373,"name":1374,"sitemapLocations":1375,"type":1376,"workflowStep":86,"workflow":80},"sandwich_shop_insurance___new","18273b20-1ef7-49e3-b6d9-cae011209f69","2026-03-31T15:53:07.1157217Z","Sandwich Shop Insurance - New",[],"seo_product_page",1784734899813]