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No needless extras",{"name":172,"type":7,"value":173},"Text Right","Bionic is trusted by UK businesses and won 'Highly Commended' at the 2025 Insurance Broker Awards",{"codename":124,"collection":81,"id":175,"language":81,"lastModified":176,"name":177,"sitemapLocations":178,"type":179,"workflowStep":87,"workflow":81},"5b71a433-f6f5-4088-af5f-aa243e88e859","2026-04-01T09:49:39.0546049Z","Content Block - USP - Yoga Teacher",[],"content_block___usp_",{"elements":181,"system":195},{"title_accent":182,"title":185,"text":187},{"name":183,"type":7,"value":184},"Title Accent","What is...",{"name":150,"type":7,"value":186},"yoga teacher insurance?",{"images":188,"linkedItemCodenames":189,"linkedItems":190,"links":191,"name":192,"type":193,"value":194},[],[],[],[],"Text","rich_text","\u003Cp>As a yoga teacher, your goal is to help students find balance, flexibility, and strength. \u003C\u002Fp>\n\u003Cp>But what happens when things go off balance? 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One Column - What doesn’t it cover?",[],{"elements":395,"system":407},{"title":396,"text":398,"theme":404},{"name":150,"type":7,"value":397},"How much does yoga teacher cover cost?",{"images":399,"linkedItemCodenames":400,"linkedItems":401,"links":402,"name":192,"type":193,"value":403},[],[],[],[],"\u003Cp>Yoga teacher insurance could cost from \u003Cstrong>23p a day*\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cp>Because all yoga practices are different, it’s difficult to give an actual figure for what you’ll be paying 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>Where you teach \u003C\u002Fstrong>— Studio-based, home, or online classes can all carry different risks. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>The styles you teach \u003C\u002Fstrong>— More specialist or high-risk yoga styles like power vinyasa may be deemed riskier than yin.\u003C\u002Fli>\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 will 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>Get in touch today to see what you'll be paying. Start a quote online to get going.\u003C\u002Fp>\n\u003Cp>\u003Csub>*This price is for a trades and professions policy – 10% of customers who were sold with one of our panel providers paid £84.20 or less annually (excluding any additional administration fees) between 01\u002F01\u002F25 & 31\u002F12\u002F2025. Equivalent to £7.02 a month or £0.23 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary based on your business requirements.\u003C\u002Fsub>\u003C\u002Fp>",{"name":71,"type":14,"value":405,"linkedItems":406},[213],[215],{"codename":130,"collection":81,"id":408,"language":81,"lastModified":409,"name":410,"sitemapLocations":411,"type":229,"workflowStep":87,"workflow":81},"1c76b709-df02-4adb-bbe2-e0dd3288e1e7","2026-01-29T16:05:28.4451728Z","Content Block - One Column - How much does yoga teacher cover cost?",[],{"elements":413,"system":435},{"title":414,"text":416,"theme":422},{"name":150,"type":7,"value":415},"Do you need insurance if you teach yoga online?",{"images":417,"linkedItemCodenames":418,"linkedItems":419,"links":420,"name":192,"type":193,"value":421},[],[],[],[],"\u003Cp>Teaching yoga online comes with its own risks like claims from clients who feel your guidance caused them harm. Always tell your broker if you teach online through your own online platform or through social media sites so they can arrange the right cover for your needs. If you’re uploading video content to social media sites, this may be at your own risk.\u003C\u002Fp>",{"name":71,"type":14,"value":423,"linkedItems":425},[424],"content_block___theme___grey",[426],{"elements":427,"system":430},{"colour":428},{"name":78,"type":7,"value":429},"Grey",{"codename":424,"collection":81,"id":431,"language":81,"lastModified":432,"name":433,"sitemapLocations":434,"type":86,"workflowStep":87,"workflow":81},"7f21286b-86bb-4895-89e6-2a089b86b647","2024-10-21T16:46:34.480424Z","Content Block - Theme - Grey",[],{"codename":131,"collection":81,"id":436,"language":81,"lastModified":437,"name":438,"sitemapLocations":439,"type":229,"workflowStep":87,"workflow":81},"eb223bd1-7493-4f7a-8566-b5c2ddebc87c","2025-04-25T10:12:25.1258271Z","Content Block - One Column - Do you need insurance if you teach yoga online?",[],{"elements":441,"system":453},{"title":442,"text":444,"theme":450},{"name":150,"type":7,"value":443},"What if I own my yoga studio?",{"images":445,"linkedItemCodenames":446,"linkedItems":447,"links":448,"name":192,"type":193,"value":449},[],[],[],[],"\u003Cp>If you own a studio, you may want to consider building insurance, business contents and stock and any computer equipment you own in your package. This will help protect against fire and flood, and also against break-ins and arsonists. We can help arrange this cover for you.\u003C\u002Fp>",{"name":71,"type":14,"value":451,"linkedItems":452},[73],[75],{"codename":132,"collection":81,"id":454,"language":81,"lastModified":455,"name":456,"sitemapLocations":457,"type":229,"workflowStep":87,"workflow":81},"20c466c3-1469-47ee-9089-28f556a6ec17","2025-04-28T12:35:54.8134392Z","Content Block - One Column - What if I own my yoga studio?",[],{"elements":459,"system":471},{"title":460,"text":462,"theme":468},{"name":150,"type":7,"value":461},"Are you covered for teaching various yoga styles?",{"images":463,"linkedItemCodenames":464,"linkedItems":465,"links":466,"name":192,"type":193,"value":467},[],[],[],[],"\u003Cp>Yes. Whether you’re teaching vinyasa, hatha, restorative, or even aerial yoga, your policy can be tailored to cover multiple styles. Just be sure to tell your broker what kind of yoga practices you teach so they can arrange it.\u003C\u002Fp>",{"name":71,"type":14,"value":469,"linkedItems":470},[424],[426],{"codename":133,"collection":81,"id":472,"language":81,"lastModified":473,"name":474,"sitemapLocations":475,"type":229,"workflowStep":87,"workflow":81},"2d5dec34-e70e-43b1-bf61-540f0923fd0c","2025-04-25T10:14:02.6743798Z","Content Block - One Column - Are you covered for teaching various yoga styles?",[],{"elements":477,"system":489},{"title":478,"text":480,"theme":486},{"name":150,"type":7,"value":479},"Do you need any qualifications for yoga insurance?",{"images":481,"linkedItemCodenames":482,"linkedItems":483,"links":484,"name":192,"type":193,"value":485},[],[],[],[],"\u003Cp>In the UK, while there are no legal requirements for yoga insurance, most insurers will expect you to have the relevant qualifications. Typically, they look for:\u003C\u002Fp>\n\u003Col>\n  \u003Cli>A recognised yoga teaching qualification (usually 200 hours minimum training)\u003C\u002Fli>\n  \u003Cli>Membership with a yoga governing body like the British Wheel of Yoga (BWY) or Yoga Alliance\u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cp>Some insurers may accept alternative qualifications or significant teaching experience, but having proper certification makes obtaining insurance much easier and often results in better coverage terms.\u003C\u002Fp>",{"name":71,"type":14,"value":487,"linkedItems":488},[73],[75],{"codename":134,"collection":81,"id":490,"language":81,"lastModified":491,"name":492,"sitemapLocations":493,"type":229,"workflowStep":87,"workflow":81},"24893ff4-e7fb-49c8-afc9-c410b1f64bc3","2025-04-25T10:15:02.8174123Z","Content Block - One Column - Do you need any qualifications to get yoga insurance?",[],{"elements":495,"system":507},{"title":496,"text":498,"theme":504},{"name":150,"type":7,"value":497},"What if you teach yoga to training instructors?",{"images":499,"linkedItemCodenames":500,"linkedItems":501,"links":502,"name":192,"type":193,"value":503},[],[],[],[],"\u003Cp>If you run instructor training, you’ll likely need additional coverage for your professional indemnity insurance. Speak to our insurance team, who can help you find the right policy no matter what or who you teach.\u003C\u002Fp>",{"name":71,"type":14,"value":505,"linkedItems":506},[213],[215],{"codename":135,"collection":81,"id":508,"language":81,"lastModified":509,"name":510,"sitemapLocations":511,"type":229,"workflowStep":87,"workflow":81},"c5e0fe65-947b-417e-859e-9675d6d52c2c","2025-04-28T12:36:30.6174087Z","Content Block - One Column - What about if you teach yoga to training instructors?",[],{"elements":513,"system":525},{"title":514,"text":516,"theme":522},{"name":150,"type":7,"value":515},"Arrange flexible yoga teacher cover with Bionic",{"images":517,"linkedItemCodenames":518,"linkedItems":519,"links":520,"name":192,"type":193,"value":521},[],[],[],[],"\u003Cp>Teaching yoga is all about helping people find their balance. And the right insurance helps you do the same. At Bionic, we \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> from trusted insurers to find tailored cover that suits your practice  — no jargon, no fuss, just the protection you need to keep things flowing.\u003C\u002Fp>\n\u003Cp>Start your quote online today, or chat with our insurance team for the support you need.\u003C\u002Fp>",{"name":71,"type":14,"value":523,"linkedItems":524},[424],[426],{"codename":136,"collection":81,"id":526,"language":81,"lastModified":527,"name":528,"sitemapLocations":529,"type":229,"workflowStep":87,"workflow":81},"108cc6ec-8cb9-45c7-b0b0-63f8a850fd78","2025-04-28T12:36:44.6432011Z","Content Block - One Column - Arrange flexible yoga teacher insurance with Bionic",[],{"elements":531,"system":553},{"quote_image":532,"quote_text":543,"attribution":550},{"name":533,"type":22,"value":534},"Quote Image",[535],{"name":536,"description":537,"type":27,"size":538,"url":539,"width":540,"height":541,"renditions":542},"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":544,"linkedItemCodenames":545,"linkedItems":546,"links":547,"name":548,"type":193,"value":549},[],[],[],[],"Quote Text","\u003Cp>Safety is crucial when teaching. Make sure that you find insurance options that are flexible to cover the needs of your practice.\u003C\u002Fp>",{"name":551,"type":7,"value":552},"Attribution","Insurance Director, James Barwell",{"codename":137,"collection":81,"id":554,"language":81,"lastModified":555,"name":556,"sitemapLocations":557,"type":558,"workflowStep":87,"workflow":81},"7684df1d-d73b-400c-a7c1-10e92fb19c79","2025-04-28T12:37:21.087138Z","Content Block - Quote - James Barwell - Yoga Teacher",[],"content_block___quote",{"elements":560,"system":596},{"title":561,"tagline":563,"title_left":565,"text_left":568,"title_middle":574,"text_middle":577,"title_right":583,"text_right":586,"cta_button_text":592,"cta_link_url":594},{"name":150,"type":7,"value":562},"How Bionic business insurance comparison works",{"name":33,"type":7,"value":564},"Compare insurance quotes in three simple steps",{"name":566,"type":7,"value":567},"Title Left","Start your quote online ",{"images":569,"linkedItemCodenames":570,"linkedItems":571,"links":572,"name":166,"type":193,"value":573},[],[],[],[],"\u003Cp>Speed up the process by submitting basic business details online – whenever you have time. \u003C\u002Fp>",{"name":575,"type":7,"value":576},"Title Middle","Speak to our UK-based team ",{"images":578,"linkedItemCodenames":579,"linkedItems":580,"links":581,"name":169,"type":193,"value":582},[],[],[],[],"\u003Cp>Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct. \u003C\u002Fp>",{"name":584,"type":7,"value":585},"Title Right","Compare tailored quotes ",{"images":587,"linkedItemCodenames":588,"linkedItems":589,"links":590,"name":172,"type":193,"value":591},[],[],[],[],"\u003Cp>Get your quotes from our panel of trusted insurers and through any questions with our team. \u003C\u002Fp>",{"name":48,"type":7,"value":593},"Compare business insurance",{"name":595,"type":7,"value":355},"CTA Link Url",{"codename":138,"collection":81,"id":597,"language":81,"lastModified":598,"name":599,"sitemapLocations":600,"type":601,"workflowStep":87,"workflow":81},"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":603,"system":612},{"title":604,"text":605,"cta_button_text":606,"cta_link_url":607,"tagline":608,"theme":609},{"name":150,"type":7,"value":55},{"name":192,"type":7,"value":55},{"name":48,"type":7,"value":353},{"name":51,"type":7,"value":355},{"name":33,"type":7,"value":55},{"name":71,"type":14,"value":610,"linkedItems":611},[359],[361],{"codename":139,"collection":81,"id":613,"language":81,"lastModified":614,"name":615,"sitemapLocations":616,"type":375,"workflowStep":87,"workflow":81},"fceb21d9-1e1d-456b-adf9-65ab0a6bd0c5","2026-01-23T14:59:20.5605518Z","Content Block - CTA - SEOGeneric 2",[],{"elements":618,"system":672},{"title_left":619,"text_left":621,"bullet_points":627},{"name":566,"type":7,"value":620},"What do I need to get started?",{"images":622,"linkedItemCodenames":623,"linkedItems":624,"links":625,"name":166,"type":193,"value":626},[],[],[],[],"\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":628,"type":14,"value":629,"linkedItems":634},"Bullet Points",[630,631,632,633],"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",[635,645,654,663],{"elements":636,"system":639},{"text":637},{"name":192,"type":7,"value":638},"Your business name and trade ",{"codename":630,"collection":81,"id":640,"language":81,"lastModified":641,"name":642,"sitemapLocations":643,"type":644,"workflowStep":87,"workflow":81},"f5c87133-0e80-44f6-a888-59adda324773","2024-11-18T15:45:17.9673586Z","Content Block - Bullet Point Item - ins business",[],"content_block___bullet_point_item",{"elements":646,"system":649},{"text":647},{"name":192,"type":7,"value":648},"Your policy start date",{"codename":631,"collection":81,"id":650,"language":81,"lastModified":651,"name":652,"sitemapLocations":653,"type":644,"workflowStep":87,"workflow":81},"45b464f7-13cf-49ff-9d89-7624b4e6561e","2024-11-18T16:45:27.4347361Z","Content Block - Bullet Point Item - Ins Policy Date",[],{"elements":655,"system":658},{"text":656},{"name":192,"type":7,"value":657},"Your name and contact details to receive your quote options",{"codename":632,"collection":81,"id":659,"language":81,"lastModified":660,"name":661,"sitemapLocations":662,"type":644,"workflowStep":87,"workflow":81},"cc8e290d-aa14-49e6-9c47-e4efcd884c5d","2024-11-18T16:44:52.23641Z","Content Block - Bullet Point Item - Ins name and contact details",[],{"elements":664,"system":667},{"text":665},{"name":192,"type":7,"value":666},"You may be asked additional questions about business activities",{"codename":633,"collection":81,"id":668,"language":81,"lastModified":669,"name":670,"sitemapLocations":671,"type":644,"workflowStep":87,"workflow":81},"e68e6dec-964b-4032-8dd3-db7796d9098b","2024-11-18T16:46:11.6253384Z","Content Block - Bullet Point Item - Ins additional Q's",[],{"codename":140,"collection":81,"id":673,"language":81,"lastModified":674,"name":675,"sitemapLocations":676,"type":677,"workflowStep":87,"workflow":81},"e263bf42-58ca-4c8b-8463-d2c02093c67a","2026-03-16T14:49:09.7669112Z","Content Block - Bullet Points - Ins Getting Started",[],"content_block___bullet_points",{"elements":679,"system":686},{"title":680,"cta_button_text":682,"cta_link_url":684},{"name":150,"type":7,"value":681},"Businesses are happy with our customer service",{"name":48,"type":7,"value":683},"Read our customer stories",{"name":51,"type":7,"value":685},"https:\u002F\u002Fuk.trustpilot.com\u002Freview\u002Fbionic.co.uk",{"codename":141,"collection":81,"id":687,"language":81,"lastModified":688,"name":689,"sitemapLocations":690,"type":691,"workflowStep":87,"workflow":81},"0b8fe963-e21c-40d4-a3af-533d6b0a87b3","2026-05-29T11:25:35.7041053Z","Content Block - Trust Pilot: Slider Insurance",[],"content_block___trust_pilot",{"elements":693,"system":769},{"title":694,"tagline":696,"faq_items":698},{"name":150,"type":7,"value":695},"Yoga Teacher Insurance FAQs",{"name":33,"type":7,"value":697},"To help you understand more about business insurance, here are the answers to some of our most frequently asked questions.",{"name":699,"type":14,"value":700,"linkedItems":705},"FAQ Items",[701,702,703,704],"content_block___faq_item___are_you_insured_to_teac","content_block___faq_item___what_insurance_do_you_n_7b03add","content_block___faq_item___do_you_need_to_insure_y","content_block___faq_item___how_quickly_can_you_get_21ddaa3",[706,724,739,754],{"elements":707,"system":718},{"question":708,"answer":711},{"name":709,"type":7,"value":710},"Question","Are you insured to teach classes from home?",{"images":712,"linkedItemCodenames":713,"linkedItems":714,"links":715,"name":716,"type":193,"value":717},[],[],[],[],"Answer","\u003Cp>Yes! If you run classes from your home, your insurance can be adjusted to include cover for your home studio and any visitors. Get in touch with our insurance team today.\u003C\u002Fp>",{"codename":701,"collection":81,"id":719,"language":81,"lastModified":720,"name":721,"sitemapLocations":722,"type":723,"workflowStep":87,"workflow":81},"9539cb5e-8ca7-4668-8320-07e13b5f1673","2025-04-25T10:20:50.8582799Z","Content Block - FAQ Item - Are you insured to teach classes from home?",[],"content_block___faq_item",{"elements":725,"system":734},{"question":726,"answer":728},{"name":709,"type":7,"value":727},"What insurance do you need if you rent a space at a studio?",{"images":729,"linkedItemCodenames":730,"linkedItems":731,"links":732,"name":716,"type":193,"value":733},[],[],[],[],"\u003Cp>If you rent a space in a studio, you’ll need to consider public liability to protect against injury or damages and even professional indemnity insurance to protect against incorrect advice. It’s also a good idea to insure any equipment you bring along.\u003C\u002Fp>",{"codename":702,"collection":81,"id":735,"language":81,"lastModified":736,"name":737,"sitemapLocations":738,"type":723,"workflowStep":87,"workflow":81},"7b03add6-a3f6-420c-b29d-05ce3fd82bb1","2025-04-25T10:21:25.4936238Z","Content Block - FAQ Item - What insurance do you need if you rent a space at a studio?",[],{"elements":740,"system":749},{"question":741,"answer":743},{"name":709,"type":7,"value":742},"Do you need to insure your yoga equipment?",{"images":744,"linkedItemCodenames":745,"linkedItems":746,"links":747,"name":716,"type":193,"value":748},[],[],[],[],"\u003Cp>Your mats, props and other equipment are essential to your practice. \u003Cstrong>Business equipment insurance\u003C\u002Fstrong> helps protect them from theft due to a break-in damage, or loss. \u003C\u002Fp>",{"codename":703,"collection":81,"id":750,"language":81,"lastModified":751,"name":752,"sitemapLocations":753,"type":723,"workflowStep":87,"workflow":81},"d095fc26-b119-4d02-a255-16eac3dfe938","2025-04-25T10:30:30.1208612Z","Content Block - FAQ Item - Do you need to insure your yoga equipment?",[],{"elements":755,"system":764},{"question":756,"answer":758},{"name":709,"type":7,"value":757},"How quickly can you get cover?",{"images":759,"linkedItemCodenames":760,"linkedItems":761,"links":762,"name":716,"type":193,"value":763},[],[],[],[],"\u003Cp>Depending on the insurance policy and your specific business needs, you can often get cover the same day you apply. \u003C\u002Fp>",{"codename":704,"collection":81,"id":765,"language":81,"lastModified":766,"name":767,"sitemapLocations":768,"type":723,"workflowStep":87,"workflow":81},"21ddaa3b-9238-43d7-b813-9b2dd52de208","2025-04-10T11:37:43.7823962Z","Content Block - FAQ Item - How quickly can you get cover?",[],{"codename":142,"collection":81,"id":770,"language":81,"lastModified":771,"name":772,"sitemapLocations":773,"type":774,"workflowStep":87,"workflow":81},"44274b92-1cf0-4605-a740-ab5af1b7ea53","2025-04-28T12:38:11.2852597Z","Content Block - FAQ - Yoga Teacher Insurance FAQs",[],"content_block___faq",{"elements":776,"system":1263},{"title":777,"cta_button_text":779,"cta_link_url":781,"guides":783},{"name":150,"type":7,"value":778},"Our team shares essential knowledge on business insurance and liability",{"name":48,"type":7,"value":780},"View all business insurance guides",{"name":595,"type":7,"value":782},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002F",{"name":784,"type":14,"value":785,"linkedItems":790},"Guides",[786,787,788,789],"insurnce_guide___brokers___a_step_by_step_guide_to","insurance_guide___brokers___buying_insurance_for_t","untitled_content_item_1e7a4b2","insurance_guide___what_insurance_do_i_need_",[791,1039,1120,1192],{"elements":792,"system":1034},{"post__title":793,"post__summary":795,"post__content":798,"post__author":955,"post__reviewer":960,"publish_date":965,"updated_date":970,"url":972,"seo__meta_title":975,"seo__meta_description":978,"seo__add_no_index_tag":981,"seo__canonical_url":988,"related_articles":991,"categories":995,"subfolder":1000,"tags":1005,"thumbnail_image":1009,"show_on_index_page":1016,"hide_author":1022,"hide_reviewer":1026,"hide_tags":1030},{"name":150,"type":7,"value":794},"A step-by-step guide to working with a business insurance broker",{"name":796,"type":7,"value":797},"Summary","Never spoken to a business insurance broker before? Here's what you need to know: from finding one that’s right for your business, to renewals, claims and more. ",{"images":799,"linkedItemCodenames":806,"linkedItems":821,"links":952,"name":953,"type":193,"value":954},[800],{"description":801,"imageId":802,"url":803,"height":804,"width":805},"graphic with text 'working with an insurance broker' with a female business owner stood next to a broker. 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ID","what-is-a-business-insurance-broker-and-why-use-one",{"codename":809,"collection":81,"id":850,"language":81,"lastModified":829,"name":850,"sitemapLocations":851,"type":852,"workflowStep":832,"workflow":832},"29f09511-2504-01a6-51e2-bc50ad81b499",[],"anchor_tag",{"elements":854,"system":859},{"text":855,"anchor_id":857},{"name":192,"type":7,"value":856},"How do I find and choose the right business insurance broker?",{"name":847,"type":7,"value":858},"how-do-i-find-and-choose-the-right-business-insurance-broker",{"codename":810,"collection":81,"id":860,"language":81,"lastModified":829,"name":860,"sitemapLocations":861,"type":852,"workflowStep":832,"workflow":832},"cad2d966-191b-01f0-34e1-80a9af5adf8c",[],{"elements":863,"system":868},{"text":864,"anchor_id":866},{"name":192,"type":7,"value":865},"Questions to ask before choosing a broker",{"name":847,"type":7,"value":867},"questions-to-ask-before-choosing-a-broker",{"codename":811,"collection":81,"id":869,"language":81,"lastModified":829,"name":869,"sitemapLocations":870,"type":852,"workflowStep":832,"workflow":832},"b0fe8a1a-32dd-0144-5b5a-70e8a597c2a2",[],{"elements":872,"system":877},{"text":873,"anchor_id":875},{"name":192,"type":7,"value":874},"What information does a broker need from my business?",{"name":847,"type":7,"value":876},"what-information-does-a-broker-need-from-my-business",{"codename":812,"collection":81,"id":878,"language":81,"lastModified":829,"name":878,"sitemapLocations":879,"type":852,"workflowStep":832,"workflow":832},"f1ebeb93-483d-0192-b691-1399529d6a78",[],{"elements":881,"system":886},{"text":882,"anchor_id":884},{"name":192,"type":7,"value":883},"What happens if my business has unusual risks",{"name":847,"type":7,"value":885},"what-happens-if-my-business-has-unusual-risks",{"codename":813,"collection":81,"id":887,"language":81,"lastModified":829,"name":887,"sitemapLocations":888,"type":852,"workflowStep":832,"workflow":832},"30fc9004-c12c-0169-53d6-9b80e37c59f6",[],{"elements":890,"system":895},{"text":891,"anchor_id":893},{"name":192,"type":7,"value":892},"How does the quote process work with a broker?",{"name":847,"type":7,"value":894},"how-does-the-quote-process-work-with-a-broker",{"codename":814,"collection":81,"id":896,"language":81,"lastModified":829,"name":896,"sitemapLocations":897,"type":852,"workflowStep":832,"workflow":832},"5ce29ae9-eb3c-019b-096c-8043777f1968",[],{"elements":899,"system":904},{"text":900,"anchor_id":902},{"name":192,"type":7,"value":901},"What should I check before accepting a policy?",{"name":847,"type":7,"value":903},"what-should-i-check-before-accepting-a-policy",{"codename":815,"collection":81,"id":905,"language":81,"lastModified":829,"name":905,"sitemapLocations":906,"type":852,"workflowStep":832,"workflow":832},"d83d3578-9bdc-0169-86f8-97702d32c3b3",[],{"elements":908,"system":913},{"text":909,"anchor_id":911},{"name":192,"type":7,"value":910},"How much do brokers charge, and how are they paid?",{"name":847,"type":7,"value":912},"how-much-do-brokers-charge-and-how-are-they-paid",{"codename":816,"collection":81,"id":914,"language":81,"lastModified":829,"name":914,"sitemapLocations":915,"type":852,"workflowStep":832,"workflow":832},"fad3a51a-8b2a-018c-f861-ce792e0004ea",[],{"elements":917,"system":922},{"text":918,"anchor_id":920},{"name":192,"type":7,"value":919},"What happens when it’s time to renew?",{"name":847,"type":7,"value":921},"what-happens-when-its-time-to-renew",{"codename":817,"collection":81,"id":923,"language":81,"lastModified":829,"name":923,"sitemapLocations":924,"type":852,"workflowStep":832,"workflow":832},"5c2aba3f-52f7-01ce-d6ee-1af7b06035a7",[],{"elements":926,"system":931},{"text":927,"anchor_id":929},{"name":192,"type":7,"value":928},"Common mistakes when working with a broker",{"name":847,"type":7,"value":930},"common-mistakes-when-working-with-a-broker",{"codename":818,"collection":81,"id":932,"language":81,"lastModified":829,"name":932,"sitemapLocations":933,"type":852,"workflowStep":832,"workflow":832},"de398d25-e68a-01c3-3e4d-8ce889084e8f",[],{"elements":935,"system":940},{"text":936,"anchor_id":938},{"name":192,"type":7,"value":937},"Can I arrange other business services with a broker?",{"name":847,"type":7,"value":939},"can-i-arrange-other-business-services-with-a-broker",{"codename":819,"collection":81,"id":941,"language":81,"lastModified":829,"name":941,"sitemapLocations":942,"type":852,"workflowStep":832,"workflow":832},"a85b6af0-1f75-015d-3086-c63af75f75ab",[],{"elements":944,"system":949},{"text":945,"anchor_id":947},{"name":192,"type":7,"value":946},"Building a long-term relationship with your broker",{"name":847,"type":7,"value":948},"Building-a-long-term-relationship-with-your-broker",{"codename":820,"collection":81,"id":950,"language":81,"lastModified":829,"name":950,"sitemapLocations":951,"type":852,"workflowStep":832,"workflow":832},"429f82f1-db5f-0196-f5ec-4b1e512b890a",[],[],"Content","\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n4f97319b_a2f7_01aa_f28e_ba41d475dbe8\">\u003C\u002Fobject>\n\u003Cp>From understanding premiums to sums insured, getting your business properly covered doesn't have to feel like overwhelming jargon. And working with a reputable business insurance broker can make the process easier. \u003C\u002Fp>\n\u003Cp>The key is knowing what to do: from researching what a broker can offer to dealing with one so you can feel more prepared. \u003C\u002Fp>\n\u003Cp>Here's what you need to know about working with a commercial broker, including how to find one that’s right for your business, how they can help deal with renewals and claims, and more.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0\" data-image-id=\"8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F63a85fa1-294b-41c8-96fb-6e7114afbcc8\u002FWorking%20with%20a%20broker%20%281%29.jpg\" data-asset-id=\"8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0\" data-image-id=\"8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0\" alt=\"graphic with text 'working with an insurance broker' with a female business owner stood next to a broker. They are stood in a warehouse full of boxes.\">\u003C\u002Ffigure>\n\u003Cp>\u003Cstrong>Five-point summary:\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Col>\n  \u003Cli>\u003Cstrong>Benefits of using a broker\u003C\u002Fstrong> – Many brokers compare quotes, explain cover options, and negotiate with insurers on your behalf. All must be FCA‑regulated.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Choosing a broker\u003C\u002Fstrong> – Check the FCA Register and ask about fees, insurers they work with, and claims support. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Information you need\u003C\u002Fstrong> – Share your details with your broker on activities, turnover, staff, premises, and any unusual risks to help get proper cover.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Quotes \u003C\u002Fstrong> – Brokers can search the market to find suitable quote options. They can help explain what's included and any exclusions to be aware of.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Renewals \u003C\u002Fstrong>–  At renewal, many brokers recheck the market for quotes. Brokers like bionic, can also arrange other essentials for you, such as energy, broadband, and finance.\u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cp>Prefer to watch? See the roundup of this guide from Laura.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n4f88bd1e_d4b8_013e_5a95_67a7e59ff6f4\">\u003C\u002Fobject>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n29f09511_2504_01a6_51e2_bc50ad81b499\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What is a business insurance broker, and why use one?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>A business insurance broker deals in the commercial insurance market, finding quotes for businesses on your behalf. \u003C\u002Fp>\n\u003Cp>Unlike going directly to an insurer, a broker usually searches multiple providers to find cover that fits your specific needs and budget.  \u003C\u002Fp>\n\u003Cp>Learn more about the differences between a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fbroker-vs-direct-insurer-which-is-better\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">business insurance broker vs going directly to an insurer\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cp>Brokers handle the legwork of comparing policies, explaining complex terms, and negotiating on your behalf. They're particularly valuable if your business has unusual risks, previous claims, or if you're struggling to understand what cover you actually need. \u003C\u002Fp>\n\u003Cp>All legitimate UK business insurance brokers must be authorised by the \u003Ca href=\"https:\u002F\u002Fwww.fca.org.uk\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Financial Conduct Authority (FCA)\u003C\u002Fa>. You can check a broker's credentials on the FCA Register before you use one. At Bionic, we are registered with the FCA. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"cad2d966_191b_01f0_34e1_80a9af5adf8c\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How do I find and choose the right business insurance broker?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Start by checking the FCA Register to verify any broker you're considering is regulated. Although the minority, there are some brokers out there who may not be transparent and hit you with unexpected fees or leave you without adequate cover  \u003C\u002Fp>\n\u003Cp>All legitimate brokers are regulated by the FCA. This helps protect you as they must adhere to guidelines like treating customers fairly and not misleading. \u003C\u002Fp>\n\u003Cp>Then, look at your own business and find a broker who can help insure your type of business.  For example, large corporations may want to opt for a global broker while a high street business may want someone who specialises in cover for small businesses. \u003C\u002Fp>\n\u003Cp>At Bionic, we know UK small businesses, from \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fshop\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">shops\u003C\u002Fa> and \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fsalon\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">salons\u003C\u002Fa> to \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Ftakeaway\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">takeaways\u003C\u002Fa>, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fhotel\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">hotels\u003C\u002Fa> and car mechanics, we can help arrange cover that’s right for you. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"b0fe8a1a_32dd_0144_5b5a_70e8a597c2a2\">\u003C\u002Fobject>\n\u003Ch3>\u003Cstrong>Questions to ask before choosing a broker\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you’ve never spoken to a broker, you might be wondering what to ask. Depending on who you contact,  you might be able to speak to someone online or on the phone who can help iron out any questions. \u003C\u002Fp>\n\u003Cp>Consider asking: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>How do you charge – commission from insurers, fees, or both? \u003C\u002Fli>\n  \u003Cli>Which insurers do you work with? \u003C\u002Fli>\n  \u003Cli>What experience do you have with businesses like mine? \u003C\u002Fli>\n  \u003Cli>Will I have a dedicated contact person? \u003C\u002Fli>\n  \u003Cli>What support do you offer during claims? \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>UK law requires brokers to disclose their commission on commercial policies if you ask.  So don't be shy about having this conversation upfront, if you’re concerned, they should be transparent.  \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Ftara-mitchell\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Tara Mitchell\u003C\u002Fa>, Insurance Technical Manager at Bionic - \u003Cem>“When you speak to our UK-based insurance team at Bionic, they’ll talk you through your options. You’ll also have the chance to ask any questions, so you can feel confident in any decision you make”\u003C\u002Fem>\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"f1ebeb93_483d_0192_b691_1399529d6a78\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What information does a broker need from my business?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Brokers need accurate business information to get you the right quotes. So, it's a good idea to do a little bit of prep before you speak to someone. Make sure you have these details handy: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Your business description and all activities  \u003C\u002Fli>\n  \u003Cli>Annual turnover and number of employees \u003C\u002Fli>\n  \u003Cli>Business premises details (owned, leased, square footage, roof materials) \u003C\u002Fli>\n  \u003Cli>Any previous insurance claims (last 5 years typically) \u003C\u002Fli>\n  \u003Cli>Current cover details if you're switching \u003C\u002Fli>\n  \u003Cli>Any unusual risks, circumstances or activities (like microblading in a salon) \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Always try to have your turnover, payroll, latest accounts and previous insurance documents to hand, as this can help speed up the process, especially if you’re busy.  \u003C\u002Fp>\n\u003Cp>Remember, it's your duty to make sure the information you provide is accurate. If not, you could be left without adequate cover. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n30fc9004_c12c_0169_53d6_9b80e37c59f6\">\u003C\u002Fobject>\n\u003Ch3>\u003Cstrong>What happens if my business has unusual risks?\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>An unusual risk can be anything that isn’t the norm in your business, that may not be covered in a standard policy. For example, this could be:  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Working from home part-time \u003C\u002Fli>\n  \u003Cli>Storing hazardous materials \u003C\u002Fli>\n  \u003Cli>Working from a height  \u003C\u002Fli>\n  \u003Cli>Abrasive beauty treatments (like permanent tattooing) \u003C\u002Fli>\n  \u003Cli>Running a hybrid business (for example, a garden centre) \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You must tell brokers about any of these activities, as they come with a new set of risks. Brokers often deal with unusual situations every day, so it’s likely they can arrange any specialist cover you might need. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n5ce29ae9_eb3c_019b_096c_8043777f1968\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How does the quote process work with a broker?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Whether you have shared your details online or on the phone, a broker will search their panel – this can take as little as a few minutes. \u003C\u002Fp>\n\u003Cp>Depending on your business, a broker will approach multiple insurers on your behalf to find quote options. They know which insurers work with certain industries and to get competitive quotes to present back to you. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Understanding and comparing broker recommendations\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Your broker will provide your options on the phone and\u002For via email. Depending on your business, you might have 3-5 options, but you may just have one specialist provider. When considering which one to go for, important not to just look at price, you should compare: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>What's covered and what's excluded \u003C\u002Fli>\n  \u003Cli>Policy limits and excesses \u003C\u002Fli>\n  \u003Cli>Any add-ons that are included or that you may need \u003C\u002Fli>\n  \u003Cli>The reputation of each insurer when it comes to claims \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You can always ask your broker to explain any terms you don't understand. For example, “premium” and \"material damage\" might sound straightforward on paper, but don't hesitate to ask for explanations if you aren’t really sure.  \u003C\u002Fp>\n\u003Cp>It’s also worth checking out our \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fthe-bionic-insurance-jargon-buster\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">insurance jargon buster\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"d83d3578_9bdc_0169_86f8_97702d32c3b3\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What should I check before accepting a policy?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Before you say yes to any policy, verify: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>You’ve correctly described your business activities \u003C\u002Fli>\n  \u003Cli>You’re happy with the amount of cover \u003C\u002Fli>\n  \u003Cli>Your business address and employee count are right \u003C\u002Fli>\n  \u003Cli>You understand the terms and conditions, and what is and isn’t included  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You can also ask your broker to walk you through the exclusions section of your policy. This tells you what's \u003Cem>not\u003C\u002Fem> covered, which often matters as much as what is covered. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Making changes to your policy\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you get off the phone with your broker, read your policy again, and something doesn't look right, tell your broker straight away. A broker can help put it right, before the policy starts. Making alterations after your policy starts may cost extra or require the broker to speak to the insurer for approval. If you change any part of your policy, this may increase or decrease your premium. \u003C\u002Fp>\n\u003Cp>Commercial policies\u003Cem> don’t\u003C\u002Fem> include a 14-day cooling-off period, so you can’t cancel for a full refund if you change your mind. This differs from most home insurance policies and is worth keeping in mind. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"fad3a51a_8b2a_018c_f861_ce792e0004ea\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How much do brokers charge, and how are they paid?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Most brokers earn money in 3 main ways: \u003C\u002Fp>\n\u003Col>\n  \u003Cli>\u003Cstrong>Commission from insurers\u003C\u002Fstrong> – Typically agreed with each insurer \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Fees \u003C\u002Fstrong> – An admin or service fee that may be in addition to your premium cost \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>A combination of both\u003C\u002Fstrong> \u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cp>It’s worth remembering that a broker's payment often comes from the insurer, so this doesn’t mean your premium is higher and using a broker doesn’t necessarily mean you are paying more compared to buying direct. Brokers are often able to negotiate good rates with insurers because they bring them business. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n5c2aba3f_52f7_01ce_d6ee_1af7b06035a7\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What happens when it’s time to renew?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>About 30 days before your policy ends, your broker will contact you about renewal.  \u003C\u002Fp>\n\u003Cp>Many brokers don't just accept the renewal quote from your current insurer. They'll check their panel again to see what other quotes are on offer, especially if your premium has increased significantly.  \u003C\u002Fp>\n\u003Cp>This is exactly what we do at Bionic. \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Ftara-mitchell\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Tara Mitchell\u003C\u002Fa>, Insurance Technical Manager at Bionic, confirms:  “\u003Cem>When renewing with Bionic, we carry out a fresh search of our panel to find the best quotes available to you. You can then decide to switch or stay with your current insurer, depending on your preference.\u003C\u002Fem>” \u003C\u002Fp>\n\u003Cp>Read up on \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Ftop-things-to-consider-when-renewing-business-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">renewing your business insurance\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Preparing for renewal\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you’re approaching your renewal window (up to 30 days before your policy ends). You should update your broker on any business changes: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Changes in turnover or employee numbers \u003C\u002Fli>\n  \u003Cli>New business activities or locations \u003C\u002Fli>\n  \u003Cli>Claims made during the year \u003C\u002Fli>\n  \u003Cli>Any  changes to your sums insured \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Doing this ensures your cover still protects your business, and you aren’t left uninsured. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>When to switch insurers\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If your premium rises without an obvious reason, you can always ask your broker why.  \u003C\u002Fp>\n\u003Cp>Sometimes switching insurers at renewal can save money, but it’s not always a good idea to switch purely on price.  \u003C\u002Fp>\n\u003Cp>Consider checking eviews for insurers before you switch to a new one.  And if you’re happy with your current insurer and the annual premium increase isn't too bad, there is no harm in staying. Often, your broker can deal with the renewal for you. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>How does a broker help with claims?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>This really varies, depending on your broker. If you need to claim or have a claim made against you, some insurers will pass you directly over to your insurer. Others will deal with the process.  \u003C\u002Fp>\n\u003Cp>At Bionic, we don’t deal directly with claims, but we can give you any policy details you need and a contact number for your insurer. \u003C\u002Fp>\n\u003Cp>Read our \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbusiness-insurance-claim\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">step by step guide to claims\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>What you need to do when making a claim\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Contact your broker or insurer as soon as possible after an incident. They'll tell you exactly what to do next, but generally you'll need: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Photos and evidence of damage \u003C\u002Fli>\n  \u003Cli>Police or incident reports where relevant \u003C\u002Fli>\n  \u003Cli>Several repair quotes or invoices \u003C\u002Fli>\n  \u003Cli>Records of business interruption losses \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Remember to keep all receipts and correspondence, you'll need to provide the facts and evidence yourself. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"de398d25_e68a_01c3_3e4d_8ce889084e8f\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Common mistakes when working with a broker\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Avoid these pitfalls when working with a broker: \u003C\u002Fp>\n\u003Col>\n  \u003Cli>\u003Cstrong>Withholding information\u003C\u002Fstrong> – If your broker doesn't know about a risk, they can't get you covered for it. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Choosing on price alone\u003C\u002Fstrong> – The cheapest policy might not be the best, and leave you exposed when you claim. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Forgetting to update them\u003C\u002Fstrong> – Tell your broker when your business changes. If this is not reflected in your policy, you won’t be covered. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Missing renewal deadlines\u003C\u002Fstrong> – If your policy ends before you start a new one, you're uninsured. This can leave you liable for claims. Consider auto-renewals to prevent this. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Not reading policy documents\u003C\u002Fstrong> – We know no one likes reading the small print, but it’s a legal contract. Check the details match what you discussed. \u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"a85b6af0_1f75_015d_3086_c63af75f75ab\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Can I arrange other business services with a broker?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Some brokers can sort more than just business insurance. You might find you can arrange other utilities in a ‘one-stop shop’.. This could include:  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Business energy contract switching \u003C\u002Fli>\n  \u003Cli>Business VoIP and broadband comparisons \u003C\u002Fli>\n  \u003Cli>Business loans and commercial mortgages \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Sorting any of these, in addition to your insurance, can help save you the hassle of dealing with multiple brokers or suppliers, saving you time (and even money). \u003C\u002Fp>\n\u003Cp>Ask what your broker offers if you're ever interested. \u003C\u002Fp>\n\u003Cp>At Bionic, we can help you sort all the above. From finding your next energy deal, to sorting an upgraded broadband and VoIP system or arranging a commercial loan or mortgage. Get in touch today to find out more. \u003C\u002Fp>\n\u003Cp>Or read up on what else brokers like Bionic can offer you beyond insurance.  \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n429f82f1_db5f_0196_f5ec_4b1e512b890a\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Building a long-term relationship with your broker\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>As with any relationship, a good business and broker relationship is built over time. When you use the same broker and even speak to the same person, you build that trust. Your broker learns your business, anticipates your needs, and can become a trusted ‘go-to’. \u003C\u002Fp>\n\u003Cp>So, when your business changes, it’s a good idea to stay in regular contact with your broker to keep them updated, and this doesn’t just have to be at renewal. Always inform your broker about business changes, any expansions, or concerns you have about your cover. \u003C\u002Fp>\n\u003Cp>If your broker isn't meeting your expectations, speak to them about it to see if it can be resolved. If you still have issues, remember, you can always switch brokers. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>Getting started with a broker\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Ready to begin? Start by verifying potential brokers on the \u003Ca href=\"https:\u002F\u002Fregister.fca.org.uk\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">FCA Register,\u003C\u002Fa> once you’ve chosen one, gather all your business information, write down any questions you have and get in contact. \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Compare business insurance quotes\u003C\u002Fa> with Bionic today and start a quote online. Our UK-based, friendly brokers will be on-hand to talk you through your options and help arrange cover for you, with no hassle. \u003C\u002Fp>\n\u003Cp>Start a quote online now.\u003C\u002Fp>",{"name":956,"type":14,"value":957,"linkedItems":959},"Author",[958],"author___laura_court_jones",[],{"name":961,"type":14,"value":962,"linkedItems":964},"Reviewer",[963],"author___ollie_barrett",[],{"name":966,"type":967,"value":968,"displayTimeZone":969},"Publish Date","date_time","2025-12-11T09:03:00Z","Europe\u002FLondon",{"name":971,"type":967,"value":832,"displayTimeZone":969},"Updated Date",{"name":973,"type":11,"value":974},"URL","working-with-a-business-insurance-broker\u002F",{"name":976,"type":7,"value":977},"Meta title","Working with a business insurance broker: A step-by-step guide",{"name":979,"type":7,"value":980},"Meta description","Learn how to work with a business insurance broker in the UK. This step-by-step guide covers choosing a broker, getting quotes, renewals, and more. ",{"name":982,"type":983,"value":984},"Add no index tag","multiple_choice",[985],{"name":986,"codename":987},"No","no",{"name":989,"type":7,"value":990},"Canonical URL","https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fworking-with-a-business-insurance-broker\u002F",{"name":992,"type":14,"value":993,"linkedItems":994},"Related Articles",[],[],{"name":996,"type":14,"value":997,"linkedItems":999},"Categories",[998],"category___business_insurance_guide",[],{"name":1001,"type":14,"value":1002,"linkedItems":1004},"Subfolder",[1003],"insurance_subfolder___brokers",[],{"name":1006,"type":14,"value":1007,"linkedItems":1008},"Tags",[],[],{"name":1010,"type":22,"value":1011},"Thumbnail Image",[1012],{"name":1013,"description":801,"type":257,"size":1014,"url":803,"width":805,"height":804,"renditions":1015},"Working with a broker (1).jpg",151029,{},{"name":1017,"type":983,"value":1018},"Show on index page",[1019],{"name":1020,"codename":1021},"Yes","yes",{"name":1023,"type":983,"value":1024},"Hide Author",[1025],{"name":986,"codename":987},{"name":1027,"type":983,"value":1028},"Hide Reviewer",[1029],{"name":986,"codename":987},{"name":1031,"type":983,"value":1032},"Hide Tags",[1033],{"name":1020,"codename":1021},{"codename":786,"collection":81,"id":1035,"language":81,"lastModified":829,"name":1036,"sitemapLocations":1037,"type":1038,"workflowStep":87,"workflow":81},"8068f267-7f83-462c-91e2-bd40727d3eb0","INSURANCE GUIDE - BROKERS - A step-by-step guide to working with a business insurance broker",[],"guide",{"elements":1040,"system":1116},{"post__title":1041,"post__summary":1043,"post__content":1045,"post__author":1064,"post__reviewer":1067,"publish_date":1071,"updated_date":1073,"url":1074,"seo__meta_title":1076,"seo__meta_description":1078,"seo__add_no_index_tag":1080,"seo__canonical_url":1083,"related_articles":1085,"categories":1088,"subfolder":1091,"tags":1094,"thumbnail_image":1098,"show_on_index_page":1104,"hide_author":1107,"hide_reviewer":1110,"hide_tags":1113},{"name":150,"type":7,"value":1042},"First time buying business insurance with a broker? Q&A with Ollie Barrett",{"name":796,"type":7,"value":1044},"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":1046,"linkedItemCodenames":1051,"linkedItems":1053,"links":1062,"name":953,"type":193,"value":1063},[1047],{"description":1048,"imageId":1049,"url":1050,"height":804,"width":805},"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",[1052],"n7f8b02bb_fecd_0199_f69e_f3c4c6fc88fa",[1054],{"elements":1055,"system":1058},{"sound_cloud_id":1056},{"name":825,"type":7,"value":1057},"2263550132",{"codename":1052,"collection":81,"id":1059,"language":81,"lastModified":1060,"name":1059,"sitemapLocations":1061,"type":831,"workflowStep":832,"workflow":832},"7f8b02bb-fecd-0199-f69e-f3c4c6fc88fa","2026-07-21T10:46:48.4898431Z",[],[],"\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n7f8b02bb_fecd_0199_f69e_f3c4c6fc88fa\">\u003C\u002Fobject>\n\u003Cp>Just set up your business and looking for the right insurance? If you've never arranged \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\">business insurance\u003C\u002Fa> before, you might be wondering what you need to do, and it’s always good to do some research on what to expect. \u003C\u002Fp>\n\u003Cp>Senior Technical Insurance Manager at Bionic, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Follie-barrett\u002F\">Ollie Barrett\u003C\u002Fa>, walks you through what to expect when arranging business insurance with a broker for the first-time. With answers to questions that keep coming up from small business customers, just like you. \u003C\u002Fp>\n\u003Cfigure data-asset-id=\"4dfceea9-885a-4230-b512-91eb60d47776\" data-image-id=\"4dfceea9-885a-4230-b512-91eb60d47776\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F474910e0-7f29-4ad3-b6cd-0bac0a6f300d\u002FFirst%20time%20buying%20insurance%20%281%29.jpg\" data-asset-id=\"4dfceea9-885a-4230-b512-91eb60d47776\" data-image-id=\"4dfceea9-885a-4230-b512-91eb60d47776\" alt=\"Bionic branded graphic with text 'First time buying business insurance? Q&A features graphic with Ollie Barrett' with photo of Ollie, Senior Technical Insurance Manager at Bionic.\">\u003C\u002Ffigure>\n\u003Cp>\u003Cstrong>Five-point summary:\u003C\u002Fstrong> \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Assessing cover level:\u003C\u002Fstrong> Business owners should regularly calculate the value of their contents and ensure insurance coverage matches current replacement costs. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Determining public liability:\u003C\u002Fstrong> The right amount of public liability insurance depends on your business’s specific risks, industry requirements, and what you can afford. Some sectors may have council-imposed minimums.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Common underinsurance gaps:\u003C\u002Fstrong> Many SMEs are underinsured due to outdated property valuations. It’s important to distinguish between purchase price and reinstatement cost. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Broker vs. direct purchase:\u003C\u002Fstrong> Brokers can arrange cover to your business’s needs and ask the right questions, whereas buying online may miss important details. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Switching and claims history:\u003C\u002Fstrong> Changing insurers is possible even with previous claims, but insurers will consider your claims history and what steps you’ve taken to mitigate risks.  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>How do I figure out the right levels of cover for the value of my contents? \u003C\u002Fh2>\n\u003Cp>When it comes to contents, you should check how much the value of your contents is worth. If you’re just starting up, you should have invoices to refer to. But even a year in, you should recalculate the value of your contents, because the cost of replacing items increases each year. \u003C\u002Fp>\n\u003Cp>For example, if you own a cafe, you should consider the value of your contents. This includes things like tables, chairs, cookers and other equipment. Remember, your insurance policy is designed to put you back in the position you were prior to the claim, so that value needs to be enough to allow you to replace all your contents, if they all got stolen, taken or burnt in a fire – for example. \u003C\u002Fp>\n\u003Cp>And you should keep up to date with this. If you set up a cafe 20 years ago, check the value of the contents in your business today, and the cost to replace items – this may differ greatly. \u003C\u002Fp>\n\u003Ch2>How do I figure out the right level of public liability? \u003C\u002Fh2>\n\u003Cp>When it comes to \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fpublic-liability-insurance\u002F\">public liability\u003C\u002Fa>, the ‘right’ amount of cover depends on the risks you face. You need to assess your own business risks and estimate potential claim costs.  For some businesses, public liability between £1-2 million might be enough, for some 5 million might suffice, or you might even need £10 million or more if you’re a large business. \u003C\u002Fp>\n\u003Cp>You should also consider how much you can afford to pay for your insurance cover, and any requirements that are specific to your industry. \u003C\u002Fp>\n\u003Cp>For example, if you are in hospitality and have a pavement license to serve customers outside, then you may have a council requirement to have public liability up to £5 million. \u003C\u002Fp>\n\u003Cp>It’s worth bearing in mind that if you have a disaster that means you need to pay more than the limit in your policy, you'll need to cover that additional cost yourself. \u003C\u002Fp>\n\u003Cp>To sum it up, you need to know the individual risks and costs you might face, a broker \u003Cem>can’t \u003C\u002Fem>directly advise you on this. \u003C\u002Fp>\n\u003Ch2>What’s the biggest cover gap you typically see that leaves SMEs underinsured?  \u003C\u002Fh2>\n\u003Cp>We often notice small business owners aren’t up to date with evaluations. Do you know the value of your building? And the cost of repairs if it were to burn down tomorrow? When taking out \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fcommercial-property\u002F\">building insurance\u003C\u002Fa>, many insurers expect to see a valuation every two years, but repair costs may increase yearly. \u003C\u002Fp>\n\u003Cp>What’s key to remember is that the purchase price of your building vs its reinstatement costs are different. Reinstatement costs are costs to put it back to its state before a disaster. \u003C\u002Fp>\n\u003Cp>And it often isn't the building valuation that increases the most – it's actually the cost of labour to rebuild a property. It could increase up 30% or 40% per year. \u003C\u002Fp>\n\u003Cp>For example, if you paid half a million for your building, and insured it for half a million, the reinstatement cost of that building might be £1,000,000, in which case you're underinsured 50% and could be left to pay the rest of the costs yourself.  This is where the average clause comes in. \u003C\u002Fp>\n\u003Cp>The average clause often means you won’t get a full payout because you are underinsured. It informs insurers so they can adjust how much they pay out in line with how much you’re underinsured. \u003C\u002Fp>\n\u003Cp>To avoid this, consider getting a reinstatement survey done every two years and speak to your insurer if you have any questions on claims. \u003C\u002Fp>\n\u003Ch2>What’s the advantage of buying through a broker versus buying online directly? \u003C\u002Fh2>\n\u003Cp>For some businesses, \u003Cem>you can’t \u003C\u002Fem>buy commercial insurance directly from an insurer. And in instances where \u003Cem>you can\u003C\u002Fem> buy it solely online, you are unlikely to get it suited to your exact needs without speaking to someone.  \u003C\u002Fp>\n\u003Cp>When you speak to a broker on the phone, they can ask specific questions about your businesses and you have the chance to ask about cover, so you’re properly covered. Small details that can be missed through online forms can make a big difference when it comes to cover. \u003C\u002Fp>\n\u003Cp>Learn more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fbroker-vs-direct-insurer-which-is-better\u002F\">business insurance brokers vs going directly to an insurer\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch2>If I switched insurers, would my claims history make it harder or more expensive to get cover?  \u003C\u002Fh2>\n\u003Cp>This really depends on the insurer. Underwriters will have different ‘underwriting appetites’. Basically, this means they have different terms, conditions and exclusions in their policies.   \u003C\u002Fp>\n\u003Cp>If you have a previous claim, insurers may ask what you have done since to stop that claim from happening again. This can be a positive factor in their decision. \u003C\u002Fp>\n\u003Cp>If you run a nightclub, and you’ve had two claims from people slipping on the dance floor, an insurer may view you in a more positive light if you take steps to prevent that from happening again. If you replace the dancefloor with a non-slip floor, the underwriter may feel you are unlikely to claim for slips and take a more positive view than if you didn’t replace the floor. \u003C\u002Fp>\n\u003Cp>No one should fear moving insurer because they've had a claim. Sometimes it's harder when there's a claim ongoing, but if the claim has been settled, it's generally easier to look around. \u003C\u002Fp>\n\u003Ch3>Can I still change insurers if I have lots of previous claims? \u003C\u002Fh3>\n\u003Cp>You can, but you should consider insurer appetite.  \u003C\u002Fp>\n\u003Cp>You’ve got both ends of the scale - the big public liability claims where someone has really hurt themselves, and the smaller claims that could happen multiple times a year, like break-ins.  \u003C\u002Fp>\n\u003Cp>If you claim a lot, then insurers may view this in a negative light, but that doesn’t mean you can’t get insured in most cases. \u003C\u002Fp>\n\u003Ch3>What if I have no claims? \u003C\u002Fh3>\n\u003Cp>If you’re a relatively new business and don’t have any claims, this is a good thing and could demonstrate good risk management practices. On the other hand, insurers do have a good idea of the likelihood of claims. So, underwriters may decide on the pricing for your risk based on other similar businesses. \u003C\u002Fp>\n\u003Ch2>If I decide to change insurers, do I need to give notice to my current provider?  \u003C\u002Fh2>\n\u003Cp>You don't need to give notice to your insurer as such. But if you are dealing with them directly and want to move, you need to tell your insurer you will not be renewing. \u003C\u002Fp>\n\u003Cp>If you’re dealing with a broker and you don’t want to renew, you need to tell them as part of consumer duty. You don't need to give them a month's notice - you just need to tell them to lapse the policy, and that you're going somewhere else. \u003C\u002Fp>\n\u003Cp>Learn more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Ftop-things-to-consider-when-renewing-business-insurance\u002F\">business insurance renewals.\u003C\u002Fa> \u003C\u002Fp>\n\u003Ch2>How do I make sure I'm not overpaying if I stay with the same insurer? \u003C\u002Fh2>\n\u003Cp>The best thing to do is \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fworking-with-a-business-insurance-broker\u002F\">work with your broker\u003C\u002Fa> to ensure you're getting the most competitive terms available. This may mean seeing if they can search the market again for you at renewal. \u003C\u002Fp>\n\u003Ch2>Getting started with bionic \u003C\u002Fh2>\n\u003Cp>Sorting out business insurance for the first time can feel like another thing on an already overwhelming to-do list. But luckily, Ollie and Tara’s UK-based broker team are on hand to talk you through your options. \u003C\u002Fp>\n\u003Cp>Get in touch with us today. Start a quote online.\u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>",{"name":956,"type":14,"value":1065,"linkedItems":1066},[963],[],{"name":961,"type":14,"value":1068,"linkedItems":1070},[1069],"untitled_content_item_d332501",[],{"name":966,"type":967,"value":1072,"displayTimeZone":969},"2026-01-30T09:00:00Z",{"name":971,"type":967,"value":832,"displayTimeZone":969},{"name":973,"type":11,"value":1075},"first-time-buying-business-insurance-qa-ollie-barrett\u002F",{"name":976,"type":7,"value":1077},"First time buying business insurance? Q&A with Ollie Barrett",{"name":979,"type":7,"value":1079},"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":982,"type":983,"value":1081},[1082],{"name":986,"codename":987},{"name":989,"type":7,"value":1084},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Ffirst-time-buying-business-insurance-qa-ollie-barrett\u002F",{"name":992,"type":14,"value":1086,"linkedItems":1087},[],[],{"name":996,"type":14,"value":1089,"linkedItems":1090},[998],[],{"name":1001,"type":14,"value":1092,"linkedItems":1093},[1003],[],{"name":1006,"type":14,"value":1095,"linkedItems":1097},[1096],"tag___business_insurance",[],{"name":1010,"type":22,"value":1099},[1100],{"name":1101,"description":1048,"type":257,"size":1102,"url":1050,"width":805,"height":804,"renditions":1103},"First time buying insurance (1).jpg",129390,{},{"name":1017,"type":983,"value":1105},[1106],{"name":1020,"codename":1021},{"name":1023,"type":983,"value":1108},[1109],{"name":986,"codename":987},{"name":1027,"type":983,"value":1111},[1112],{"name":986,"codename":987},{"name":1031,"type":983,"value":1114},[1115],{"name":1020,"codename":1021},{"codename":787,"collection":81,"id":1117,"language":81,"lastModified":1060,"name":1118,"sitemapLocations":1119,"type":1038,"workflowStep":87,"workflow":81},"02c513ee-e2a6-43f3-8569-69b1abb2b6b5","INSURANCE GUIDE - BROKERS - Buying insurance for the first time? Q&A with Ollie Barrett",[],{"elements":1121,"system":1187},{"post__title":1122,"post__summary":1124,"post__content":1126,"post__author":1136,"post__reviewer":1139,"publish_date":1142,"updated_date":1145,"url":1146,"seo__meta_title":1148,"seo__meta_description":1150,"seo__add_no_index_tag":1152,"seo__canonical_url":1155,"related_articles":1157,"categories":1160,"subfolder":1163,"tags":1166,"thumbnail_image":1169,"show_on_index_page":1175,"hide_author":1178,"hide_reviewer":1181,"hide_tags":1184},{"name":150,"type":7,"value":1123},"UK health and safety for small business owners in 2025\u002F26",{"name":796,"type":7,"value":1125},"Discover how to easily protect yourself and your employees by understanding the latest Health & Safety regulations and implement effective safety procedures at work.",{"images":1127,"linkedItemCodenames":1132,"linkedItems":1133,"links":1134,"name":953,"type":193,"value":1135},[1128],{"description":1129,"imageId":1130,"url":1131,"height":804,"width":805},"Bionic branded featured image with the title 'health and safety features at work' . with hazard sign, safety jacket. Male with helmet and gloves smiles to the camera.","886ce99e-9165-4732-94bb-9d8fc1b064b8","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F202144df-1c76-4789-baaa-2957a2171493\u002FHealth%20_%20Safety%20%281%29.jpg",[],[],[],"\u003Cp>It might not always seem like it, but the workplace can be a dangerous place.   \u003C\u002Fp>\n\u003Cp>As of 2025, an estimated \u003Ca href=\"https:\u002F\u002Fwww.hse.gov.uk\u002Fstatistics\u002Foverview.htm\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">1.9 million workers suffered from work-related ill health\u003C\u002Fa> (new or long-standing), an increase from 1.7 million last year. This is the highest on record.\u003C\u002Fp>\n\u003Cp>And it’s not just the workers that suffer, the same report estimates there were 40.1 million days lost over the last two years, up from 33.7 million the two years prior. Employers are losing labour to work-related illness or injury that may have been preventable. \u003C\u002Fp>\n\u003Cp>That’s why complying with health and safety regulations should be one of your top priorities no matter what business you’re in.  \u003C\u002Fp>\n\u003Cp>As well as the various legal requirements you have as an employer to \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Femployers-liability-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">protect your employees\u003C\u002Fa> and any visitors, it’s in the best interest of the business to make sure that your workforce is healthy and protected.  \u003C\u002Fp>\n\u003Cp>After all, healthy and happy employees do great work.   \u003C\u002Fp>\n\u003Cp>We’ve covered some key areas around what you need to know about health safety in the workplace in 2025\u002F2026, with modern workplaces in mind.  \u003C\u002Fp>\n\u003Cp>There may be more information that we haven’t included that’s relevant for your business, so always make sure to do your research into health and safety.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"886ce99e-9165-4732-94bb-9d8fc1b064b8\" data-image-id=\"886ce99e-9165-4732-94bb-9d8fc1b064b8\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F202144df-1c76-4789-baaa-2957a2171493\u002FHealth%20_%20Safety%20%281%29.jpg\" data-asset-id=\"886ce99e-9165-4732-94bb-9d8fc1b064b8\" data-image-id=\"886ce99e-9165-4732-94bb-9d8fc1b064b8\" alt=\"Bionic branded featured image with the title 'health and safety features at work' . with hazard sign, safety jacket. Male with helmet and gloves smiles to the camera.\">\u003C\u002Ffigure>\n\u003Ch2>\u003Cstrong>Do I legally need a health and safety policy? What should it include?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Yes, in the UK the Health and Safety at Work Act 1974 is a legal framework that businesses with 5 or more employees need to follow. It outlines the duty of the employer which is protect employees and others while carrying out their work.\u003C\u002Fp>\n\u003Ch3>\u003Cstrong>What am I legally required to do?\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>As an employer, you’re legally expected to: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Have a written health and safety policy - \u003C\u002Fstrong>If you employ five people or more in your company, by law you must have a written health and safety policy or document.  Whether you use a printed version or store one online, it doesn’t really matter as long as your employees can access it. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Have health and safety advice - \u003C\u002Fstrong>You must ensure that all employees have access to competent and up to date health and safety advice. You can use posters or a handbook that is regularly updated. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Disclose any risks - \u003C\u002Fstrong>You must disclose any risks in the workplace to employees, customers or any other person who may be affected. This can be something as simple as displaying a wet floor sign over a spillage. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Arrange preventative measures - \u003C\u002Fstrong>Employers must effectively plan, organise, monitor and review all preventive and protective measures they put in place to avoid the worst happening. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Consult employees -\u003C\u002Fstrong> It’s important to speak with employees about any potential risks they may have encountered that have not been recorded, to keep your policy up to date.  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>\u003Cstrong>What are the 4 main objectives of the Health and Safety at Work Act?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>There are four main objectives of the Health and Safety at Work Act. They are: \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Employer’s responsibilities\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>As an employer, you have a duty of care to your staff. You are in charge of maintaining equipment and making sure your employees feel safe. You should also: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Provide training on how to carry out work processes safely \u003C\u002Fli>\n  \u003Cli>Provide a safe place to work \u003C\u002Fli>\n  \u003Cli>Work out a clear health and safety policy \u003C\u002Fli>\n  \u003Cli>Carry out risk assessments \u003C\u002Fli>\n  \u003Cli>Collaborate with health and safety experts \u003C\u002Fli>\n  \u003Cli>Make sure all tasks are handled safely \u003C\u002Fli>\n  \u003Cli>Make sure all staff concerns are heard\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Employee’s responsibilities\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>As an employee, you must take some responsibility for yourself in the workplace. This might include: \u003C\u002Fli>\n  \u003Cli>Taking care of your own personal health \u003C\u002Fli>\n  \u003Cli>Ensuring the safety of other staff members \u003C\u002Fli>\n  \u003Cli>Not interfering with your workplace health and safety protocol \u003C\u002Fli>\n  \u003Cli>Cooperating with your manager on matters of health and safety \u003C\u002Fli>\n  \u003Cli>Asking proactive questions about health and safety in the workplace \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Enforcement of health and safety legislation\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>The role of a health and safety inspector is to make sure businesses are following their own measures. They have important rights, like: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>The right of entry to your business premises without an appointment (as long as it’s at a reasonable time) \u003C\u002Fli>\n  \u003Cli>The right to take equipment for inspection \u003C\u002Fli>\n  \u003Cli>The right to request assistance from the police \u003C\u002Fli>\n  \u003Cli>The right to question your staff on their health and safety measures \u003C\u002Fli>\n  \u003Cli>The right to request health and safety documents\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>An HSE inspector can turn up at any time, but they may be more likely to visit if you operate in a high-risk industry (like construction), are starting a new business, or they’ve received complaints - so it’s best to be prepared. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Enforcement action\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If your business is in breach of its health and safety policy, you might face legal implications. These can include: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Legal Notices - \u003C\u002Fstrong>These can include improvements and prohibitions. Improvements tell you what is wrong within your business and provide you with a deadline to fix it. Prohibitions, on the other hand, tell you to stop dangerous practices immediately. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Prosecution - \u003C\u002Fstrong>These can include large fines and, even worse, court cases or sentencing. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>\u003Cstrong>What you need to include in your health and safety policy in 2025\u002F26\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>As you can imagine, times have moved on since the original Health and Safety Act was passed. There have been recent changes to reflect modern working conditions – here's an idea of what you need to include: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>All types of workers - \u003C\u002Fstrong>You need to make sure your policy includes on-site staff and any remote workers. This means you need to outline how you manage digital wellbeing if you’re staff are working at home (even some of the time). \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Who is responsible -\u003C\u002Fstrong> If you’re on a construction site, in a kitchen or even an office, you need to define who is responsible for employee health and safety.  Whether this is a manager or you as a business owner. Remember to keep this updated if you take on new staff. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Actionable procedures - \u003C\u002Fstrong>Include how you manage risks and reduce the chance of injury, detailing all your workplace hazards but also any risks for remote workers - including and digital systems or people employees can refer to help with wellbeing. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Keep in mind, there may be other areas you need to include in your health and safety policy that are specific to your business. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>Modern add-ons to your risk assessment\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>A traditional \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fblog\u002Fsmall-business-risk-management-guide\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">risk assessment\u003C\u002Fa> looks at the physical risks you may face in your business, like slipping on a greasy floor in a kitchen or a box falls on an employee in an overcrowded stock room. \u003C\u002Fp>\n\u003Cp>But it’s also a good idea to include broader risks that come with home working, such as mental health and cybersecurity.  \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Remote working risks\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Here are some examples of some remote working risks: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Home office setups - \u003C\u002Fstrong>Consider things like proper office chairs and desks to carry out work. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Mental health - \u003C\u002Fstrong>Think about work-life balance, workers being isolated and the impact of work-based traumas on your employees. For example, a builder witnesses a colleague fall from a height. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Technology security - \u003C\u002Fstrong>Consider cyber security training, secure communication tools, and data protection measures as \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-connectivity\u002Fguides\u002Fthe-effects-of-online-attacks-small-business\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">cyber-attacks\u003C\u002Fa> are increasing in small businesses. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Travelling - \u003C\u002Fstrong>Risks associated with hybrid working patterns and client visits, especially if carrying and unloading equipment.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>\u003Cstrong>What are the risks of not complying with health and safety standards?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>If you fall behind on your safety standards, you could be fined or prosecuted and have the weight of employee injury or even death on your conscience – it's just not worth the risk.  \u003C\u002Fp>\n\u003Cp>If you run a business where there is a clear risk of death of an employee, customer or the member of the public then it’s really important you take health and safety seriously.  \u003C\u002Fp>\n\u003Cp>In the unfortunate event someone does die, and you haven’t followed strict health and safety procedures, you could be investigated for a failure of duty of care. \u003C\u002Fp>\n\u003Cp>Not to mention the unpleasant situations that follow — like informing the deceased’s family and supporting employees who may also be suffering because of the accident. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>Do I need insurance to ensure safety by law?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>While having the right insurance doesn’t guarantee protection in every situation, especially if negligence is involved, it can play a key role in protecting your business should incidents occur. \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Femployers-liability-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">\u003Cstrong>Employers' Liability\u003C\u002Fstrong>\u003C\u002Fa>\u003Cstrong> - \u003C\u002Fstrong>You need employers' liability insurance if you have any employees, including part-time staff and temporary workers. This can help protect against injury or illness caused as a result of their work. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Commercial motor insurance - \u003C\u002Fstrong>If you have a vehicle that is owned by the business, then you need a commercial vehicle policy or potentially a fleet policy if you have a number of vehicles. This is a legal requirement. However, if you have a personal vehicle that’s for occasional business use, you should be able to use it as long as you have ‘business use’ noted on your personal car insurance policy. \u003Cstrong> \u003C\u002Fstrong>At Bionic, unfortunately, we cannot help insure your business vehicle, but it’s likely we can help insure other business operations. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>\u003Cstrong>Are there any other insurance covers I should consider?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cul>\n  \u003Cli>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fpublic-liability-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">\u003Cstrong>Public Liability\u003C\u002Fstrong>\u003C\u002Fa>\u003Cstrong> - \u003C\u002Fstrong>While not a legal requirement, public liability is essential to help protect against claims from customers, suppliers, or members of the public. Many of your suppliers or your commercial landlord (if you have one), may require this in order to work with you. \u003C\u002Fli>\n  \u003Cli>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fbusiness-equipment-insurance\u002F\">\u003Cstrong>Equipment breakdown\u003C\u002Fstrong>\u003C\u002Fa>\u003Cstrong> -  \u003C\u002Fstrong>This helps cover the unexpected breakdown of equipment, like your boiler, for example\u003Cstrong>.  \u003C\u002Fstrong>For theft or damage from other events, you should consider taking out specific cover for machinery or equipment.  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>\u003Cstrong>What are the penalties for breaching health and safety?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Understanding what penalties, you might face for breaching health and safety can help you make better decisions when it comes to training your staff, fixing equipment, and keeping your policies up to date. As of 2025, the consequences of breaching health and safety rules could depend on the following: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>How severe the casualty \u003C\u002Fli>\n  \u003Cli>How far your standards fell below acceptable levels \u003C\u002Fli>\n  \u003Cli>Your business size measured by annual turnover \u003C\u002Fli>\n  \u003Cli>Any previous health and safety breaches and cooperation with preventing future casualties. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>What charges could I face?\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you’re found to be negligent in your health and safety practices in the UK you could be charged with a criminal offence, the most severe being for Corporate Manslaughter.  \u003C\u002Fp>\n\u003Cp>You could face this charge if someone dies while working for you due to a breach of health and safety rules. This can not only apply to the business owner but also to whoever is responsible within your business for not complying with your policy. \u003C\u002Fp>\n\u003Cp>In fact, the Health and Safety Executive (HSE) even \u003Ca href=\"https:\u002F\u002Fresources.hse.gov.uk\u002Fconvictions\u002Fbreach\u002Fbreach_list.asp?PN=1&ST=B&SN=S&SF=IS&SV=5&SO=DHD\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">lists public convictions on their site\u003C\u002Fa> – with some companies or individuals being fined up to millions for being convicted of breaching health and safety regulations that have resulted in severe casualties or death. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>Real world examples of breaches\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>There are many examples on Reddit of employees sharing stories of small businesses they work for, not complying with health and safety regulations: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>One \u003Ca href=\"https:\u002F\u002Fwww.reddit.com\u002Fr\u002FLegalAdviceUK\u002Fcomments\u002Fg3eg9w\u002Funfair_dismissal_for_reporting_to_hse\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">reddit user\u003C\u002Fa> was told multiple times to climb down a drain outside of his work ‘normal work duties’. He refused and reported the company to HSE, and then was fired as a result! In these instances, other Reddit users advised this employee to report the employer to warrant an inspection. \u003C\u002Fli>\n  \u003Cli>One \u003Ca href=\"https:\u002F\u002Fwww.reddit.com\u002Fr\u002FLegalAdviceUK\u002Fcomments\u002F15o94tz\u002Fcompany_being_extremely_lax_regarding_health_and\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">other reddit user\u003C\u002Fa> was asked by his employer to perform some ‘other duties’ which resulted in him working outside for 6 hours in extreme heat leading to continuous sunburn, without any protective measures in place. As an engineer, he also was involved in serious flash incidents that could have been fatal. His workplace showed aggressive behaviour when he asked about safety protocols. Again, Reddit users in the comments told him to anonymously report the employer to warrant an investigation. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>\u003Cstrong>High risk triggers that could lead to an investigation\u003C\u002Fstrong>\u003C\u002Fh2>\n\u003Cp>You never know if your business could end up being investigated in the following circumstances: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>An employee or member of the public complains about dangerous working conditions \u003C\u002Fli>\n  \u003Cli>You need routine inspections as you are in a high-risk sector \u003C\u002Fli>\n  \u003Cli>You’ve had serious incidents happen that need emergency services  \u003C\u002Fli>\n  \u003Cli>A whistleblower reports your safety failures \u003C\u002Fli>\n  \u003Cli>You have follow-up visits after previous enforcement action \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>As a small business owner, the learning here is to get on top of safe practices to avoid injuries or harm otherwise your employees may report you.  \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>How to document your health and safety practices for protection\u003C\u002Fstrong>\u003C\u002Fh2>\n\u003Cp>It's important to document everything that demonstrates your commitment to health and safety in your small business, including (but not limited to): \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Regular health and safety policy reviews with dates and signatures \u003C\u002Fli>\n  \u003Cli>Training records showing safety training you’ve provided \u003C\u002Fli>\n  \u003Cli>Risk assessment updates when there are any business changes \u003C\u002Fli>\n  \u003Cli>Evidence of investment in safety equipment and systems \u003C\u002Fli>\n  \u003Cli>Records of employee meetings and feedback on safety \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Keeping a record of this evidence in a high-risk sector like engineering or construction, for example, could help you in cases where employees report you to HSE. Showing that you have actively tried to keep your employees and business safe can go a long way in courts (in the unfortunate event it ever comes to that.) \u003C\u002Fp>\n\u003Cp>Learn more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fworkplace-accident-employer-responsibilities\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">what to do if an employee suffers an injury\u003C\u002Fa> and get to grips with RIDDOR. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>How can I make my workplace safer for my employees?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>There are several steps that you can take to ensure you’re making the workplace as safe as it possibly can be.  \u003C\u002Fp>\n\u003Cp>These could include: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Carrying out regular risk assessments\u003C\u002Fstrong> - Employers should follow the five steps to risk assessments to make sure the workplace is safe. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Select contractors with the skills to work safely\u003C\u002Fstrong> - If you’re employing contractors for projects, you need to make sure that they possess the skills, knowledge and qualifications required to carry out the work efficiently and safely. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Create a written health and safety policy\u003C\u002Fstrong> - Writing up a health and safety policy document is a legal requirement for businesses with 5 or more employees. It’s also a way to efficiently and easily communicate your procedures company-wide.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Provide necessary PPE\u003C\u002Fstrong> - As an employer, it’s your responsibility to provide any necessary personal protective equipment that can help reduce any risks in the workplace. You also must provide this to all employees, free of charge. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Provide effective health and safety training for staff\u003C\u002Fstrong> - For your staff to understand the risks and how they should act on them, providing training will help. In some industries, like catering, you’ll need to be regularly up to date with all health and safety knowledge.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Display any useful information\u003C\u002Fstrong> - Health and safety posters or free, accessible PDFs are a legal requirement in the UK.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>For more government information and advice on health and safety, please head to the \u003Ca href=\"https:\u002F\u002Fwww.hse.gov.uk\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">HSE website\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>How Bionic can help protect your business\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>While it can sometimes seem overwhelming to get to grips with health and safety in your business, there are unfortunately no ways to reduce ALL risks. That’s why it’s important that you implement the necessary steps for the safety of your employees and also that you protect your business with the right insurance.  \u003C\u002Fp>\n\u003Cp>At Bionic we can help with \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fconstruction\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">insurance for construction businesses\u003C\u002Fa>, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fbuilders\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">builder insurance\u003C\u002Fa> and insurance for many other UK backbone businesses from \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fsole-trader\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">sole traders\u003C\u002Fa> to \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fshop\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">shops\u003C\u002Fa> and \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Ftakeaway\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">takeaways\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cp>Get in touch with the Bionic team to discuss your needs or get more information on \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">business insurance\u003C\u002Fa> today. \u003C\u002Fp>",{"name":956,"type":14,"value":1137,"linkedItems":1138},[958],[],{"name":961,"type":14,"value":1140,"linkedItems":1141},[1069],[],{"name":966,"type":967,"value":1143,"displayTimeZone":1144},"2025-10-23T08:17:00Z","UTC",{"name":971,"type":967,"value":832,"displayTimeZone":832},{"name":973,"type":11,"value":1147},"health-and-safety-at-work\u002F",{"name":976,"type":7,"value":1149},"2025\u002F26: UK health and safety for small business owners",{"name":979,"type":7,"value":1151},"Learn about the latest UK legal requirements for health and safety and how to implement the correct health and safety procedures to protect everyone in your workplace.",{"name":982,"type":983,"value":1153},[1154],{"name":986,"codename":987},{"name":989,"type":7,"value":1156},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fhealth-and-safety-at-work\u002F",{"name":992,"type":14,"value":1158,"linkedItems":1159},[],[],{"name":996,"type":14,"value":1161,"linkedItems":1162},[998],[],{"name":1001,"type":14,"value":1164,"linkedItems":1165},[],[],{"name":1006,"type":14,"value":1167,"linkedItems":1168},[],[],{"name":1010,"type":22,"value":1170},[1171],{"name":1172,"description":1129,"type":257,"size":1173,"url":1131,"width":805,"height":804,"renditions":1174},"Health _ Safety (1).jpg",164732,{},{"name":1017,"type":983,"value":1176},[1177],{"name":1020,"codename":1021},{"name":1023,"type":983,"value":1179},[1180],{"name":986,"codename":987},{"name":1027,"type":983,"value":1182},[1183],{"name":986,"codename":987},{"name":1031,"type":983,"value":1185},[1186],{"name":1020,"codename":1021},{"codename":788,"collection":81,"id":1188,"language":81,"lastModified":1189,"name":1190,"sitemapLocations":1191,"type":1038,"workflowStep":87,"workflow":81},"1e7a4b27-dcd6-47d2-a6a4-380083b241d4","2026-02-18T11:59:01.3856092Z","INSURANCE GUIDE - Health and safety at work",[],{"elements":1193,"system":1258},{"post__title":1194,"post__summary":1196,"post__content":1198,"post__author":1208,"post__reviewer":1211,"publish_date":1214,"updated_date":1216,"url":1217,"seo__meta_title":1219,"seo__meta_description":1221,"seo__add_no_index_tag":1223,"seo__canonical_url":1226,"related_articles":1228,"categories":1231,"subfolder":1234,"tags":1237,"thumbnail_image":1240,"show_on_index_page":1246,"hide_author":1249,"hide_reviewer":1252,"hide_tags":1255},{"name":150,"type":7,"value":1195},"What insurance do I actually need for my business? 2026 Guidance",{"name":796,"type":7,"value":1197},"Finding the right business insurance shouldn't feel like navigating a maze blindfolded. Yet many small business owners are confused about what they actually need versus what is on offer. We cut through the generic advice to give you answers in our guide.",{"images":1199,"linkedItemCodenames":1204,"linkedItems":1205,"links":1206,"name":953,"type":193,"value":1207},[1200],{"description":1201,"imageId":1202,"url":1203,"height":804,"width":805},"Bionic branded graphic: What insurance do i need for my small business? With shop and salon illustrations and bionic logo.","4fbddbc7-e573-4b16-a982-2bd7575b57a9","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F4319b89c-4bed-4c61-9c8b-86f815dd4453\u002FWhat%20insurance%20Do%20I%20need%20%281%29.jpg",[],[],[],"\u003Cp>All businesses can be at risk of underinsurance, but for some industries the impact can hit harder, like those in manufacturing or property. So why does it happen? There can be many factors, but it's that's not because business owners aren’t on top of it. It’s sometimes because it can be difficult to really understand what business insurance you actually need.  \u003C\u002Fp>\n\u003Cp>Every business is different, and so are the risks, whether you’re a shop owner, wholesale business, or anything in between. \u003C\u002Fp>\n\u003Cp>This guide cuts through the generic advice and template solutions that leave you totally confused. We'll show you exactly how to identify your real risks, avoid the coverage gaps that could lead to rejected claims, and get protection in place that could help when you need it. \u003C\u002Fp>\n\u003Cp>\u003Cem>Already \u003C\u002Fem>know what you need and want more info or to compare quotes? Head straight to our \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\">business insurance\u003C\u002Fa> page, or start a quote online now to get started.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"4fbddbc7-e573-4b16-a982-2bd7575b57a9\" data-image-id=\"4fbddbc7-e573-4b16-a982-2bd7575b57a9\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F4319b89c-4bed-4c61-9c8b-86f815dd4453\u002FWhat%20insurance%20Do%20I%20need%20%281%29.jpg\" data-asset-id=\"4fbddbc7-e573-4b16-a982-2bd7575b57a9\" data-image-id=\"4fbddbc7-e573-4b16-a982-2bd7575b57a9\" alt=\"Bionic branded graphic: What insurance do i need for my small business? With shop and salon illustrations and bionic logo.\">\u003C\u002Ffigure>\n\u003Ch2>Do I need business insurance?\u003C\u002Fh2>\n\u003Cp>This is the most obvious question - but it depends your sector, and on the nature of your business. Some insurance types may be a legal requirement or a requirement of a regulatory body - if you are a solicitor, for example.\u003C\u002Fp>\n\u003Ch2>\u003Cstrong>What business insurance do I legally need?\u003C\u002Fstrong>\u003C\u002Fh2>\n\u003Cp>Let's start with the non-negotiable requirements, because getting this wrong could lead to a disaster for your business.\u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Employers' liability is legally required if you have staff\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>If you employ anyone - even one part-time worker - you \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Femployers-liability-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">must have employers' liability insurance\u003C\u002Fa>. The moment you become an employer, this becomes law. \u003C\u002Fp>\n\u003Cp>Here's what most guides won't tell you - the biggest trap is always thinking\u003Cem> family members don't count\u003C\u002Fem>. Although there are some exceptions, you should still consider having this in place. After all, a family member who gets injured on your watch could still claim against you.\u003C\u002Fp>\n\u003Ch4>\u003Cstrong>Who counts as an employee?\u003C\u002Fstrong>\u003C\u002Fh4>\n\u003Cp>This is where some business owners may get caught out. The requirement typically covers:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Part-time and temporary workers\u003C\u002Fli>\n  \u003Cli>Apprentices\u003C\u002Fli>\n  \u003Cli>Casual and seasonal staff\u003C\u002Fli>\n  \u003Cli>Volunteers\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You may not need employers' liability cover for an independent contractor who works for multiple businesses and could hire a substitute. But if you're not sure, it's worth checking checking this with a broker. \u003C\u002Fp>\n\u003Ch2>Can I risk not having insurance?\u003C\u002Fh2>\n\u003Cp>The choice is yours – but it’s not the best idea to skip out on it. As it’s a legal requirement, there are some real financial consequences if you don’t: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>You could be fined \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Femployers-liability-insurance#:~:text=You%20can%20be%20fined%20%C2%A3,you%20are%20not%20properly%20insured.\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">£2,500\u003C\u002Fa> for every day you don't have employers’ liability \u003C\u002Fli>\n  \u003Cli>You could be personally responsible to pay out if an employee makes a claim - this could potentially be thousands of pounds. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>\u003Cstrong>What other insurance is legally required?\u003C\u002Fstrong>\u003C\u002Fh2>\n\u003Cp>If you use any delivery drivers or vans, commercial motor insurance is a legal requirement in the UK. This includes: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Your personal car when visiting clients \u003C\u002Fli>\n  \u003Cli>Company vehicles \u003C\u002Fli>\n  \u003Cli>Employee vehicles used for work (even picking up supplies) \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Remember - regular car or van insurance \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fcompany-vehicles-caught-driving-without-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">will not cover you or your employees if they’re driving a company vehicle\u003C\u002Fa>. Commercial vehicle insurance covers vehicles used for business purposes, such as driving to and from properties if you’re an estate agent, for example. \u003C\u002Fp>\n\u003Cp>Bionic is not able to cover your vehicle, but it’s likely we can help you insure your business operations.\u003C\u002Fp>\n\u003Ch2>What business insurance types do I need in 2026?\u003C\u002Fh2>\n\u003Cp>As many small businesses will know, we're still in tough economic times even though we're technically not in recession. But due to economic instability and rising costs, businesses owners are finding it difficult to make profits.\u003C\u002Fp>\n\u003Cp>In fact, Allianz suggests many businesses are dropping coverage that's they deem non-essential, but this then leaves them more exposed to risk. The \u003Ca href=\"https:\u002F\u002Fwww.allianz.co.uk\u002Fnews-and-insight\u002Finsight-and-expertise\u002Fallianz-risk-barometer-2026.html\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Allianz Risk Baromerer report 2026\u003C\u002Fa>, suggests \u003Cem>Cyber attacks\u003C\u002Fem>,\u003Cem> AI \u003C\u002Fem>and \u003Cem>business interruption\u003C\u002Fem> are the three biggest risks businesses now face.\u003C\u002Fp>\n\u003Ch3>What is business interruption insurance — and do I need it?\u003C\u002Fh3>\n\u003Cp>Business interruption insurance is not a legal requirement but should be considered by businesses that rely on physical premises to trade.\u003C\u002Fp>\n\u003Cp>It could help cover the income you lose and the ongoing costs you face (rent, wages, utilities) if an insured event like a fire, flood, or burst pipe stops you from trading normally. \u003C\u002Fp>\n\u003Cp>\u003Cstrong>What it could cover:\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Lost income or profit during the closure period\u003C\u002Fli>\n  \u003Cli>Fixed running costs that continue when you're not trading\u003C\u002Fli>\n  \u003Cli>Costs of moving to temporary premises while repairs are carried out\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>What cyber insurance do I actually need in 2026? \u003C\u002Fh3>\n\u003Cp>Around \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fgovernment\u002Fstatistics\u002Fcyber-security-breaches-survey-2025\u002Fcyber-security-breaches-survey-2025\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">612,000 UK businesses and 61,000 UK charities\u003C\u002Fa> identified a cyber breach or attack in 2025. Cyber attacks have become so widespread that every business — regardless of size — faces potential risk. \u003C\u002Fp>\n\u003Ch4>Why small businesses are prime targets \u003C\u002Fh4>\n\u003Cp>Although it’s often in the news, it’s not always the corporate giants who get targeted by cybercriminals. Small businesses are actually often targets, because: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>They have valuable data but can’t always afford tight security measures \u003C\u002Fli>\n  \u003Cli>They're less likely to have incident response plans \u003C\u002Fli>\n  \u003Cli>They may be inclined to pay ransoms quickly to get back to business \u003C\u002Fli>\n  \u003Cli>They're connected to larger companies through supply chains, which could offer a way in for cybercriminals. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>With these risks in mind, cyber insurance is available as an optional cover for businesses concerned about digital threats. Learn more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fwhat-is-cyber-insurance-a-guide-for-your-small-business\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">cyber insurance for your business.\u003C\u002Fa>\u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Professional indemnity insurance for professionals\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>Although not a legal requirement, professional indemnity insurance can be purchased for businesses that provide professional advice or services. \u003C\u002Fp>\n\u003Cp>In certain professions, such as law, accounting, and \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fengineers\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">engineering\u003C\u002Fa>, regulatory bodies or specific contracts may require PI to be taken out. For example: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Solicitors who are \u003Ca href=\"https:\u002F\u002Fwww.sra.org.uk\u002Fsolicitors\u002Fstandards-regulations\u002Findemnity-insurance-rules\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">SRA-regulated\u003C\u002Fa> need to take out a minimum level of PII cover in accordance with the minimum terms and conditions. This is normally £2-3 million minimum. \u003C\u002Fli>\n  \u003Cli>ICAEW \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Faccountants\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">accountants\u003C\u002Fa> - £2 million minimum  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Remember, your professional body requirements can change.  \u003C\u002Fp>\n\u003Cp>It’s always a good idea to keep up to date with the requirements\u003Cstrong> \u003C\u002Fstrong>of any regulatory bodies you belong to, so you avoid any gaps without sufficient cover.\u003Cstrong>  \u003C\u002Fstrong>For example, the\u003Cstrong> \u003C\u002Fstrong>ICAEW increased the minimum coverage from £1.5 million to £2 million in September 2024; therefore, some professionals may have been underinsured if they were not aware of this change. \u003C\u002Fp>\n\u003Ch4>\u003Cstrong>How much professional indemnity cover is enough?\u003C\u002Fstrong>\u003C\u002Fh4>\n\u003Cp>There's no single answer, but here's a practical starting point:\u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Check your client contracts — many might specify a minimum cover level they require from you\u003C\u002Fli>\n  \u003Cli>Check your professional body — requirements like the ICAEW example above can change with short notice\u003C\u002Fli>\n  \u003Cli>Think about the scale of the projects you work on — if a mistake could cause a six-figure financial loss then it might be worth considering that when you think about levels of cover\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch4>Do I need professional indemnity if I'm not regulated? \u003C\u002Fh4>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fprofessional-indemnity-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Professional indemnity\u003C\u002Fa> is not a legal requirement but, as mentioned, it’s sometimes a regulatory requirement for many professionals like solicitors, for example.  \u003C\u002Fp>\n\u003Cp>However, if you’re not part of a regulatory body – \u003Cem>do you really need it?\u003C\u002Fem> The truth is, it’s still worth considering - especially if you give out advice as part of your work.  \u003C\u002Fp>\n\u003Cp>If you’re a creative freelancer, business consultant or training provider dishing out advice it could impact large business decisions. And if your advice leads to financial loss – \u003Cem>you could be held liable.\u003C\u002Fem> \u003C\u002Fp>\n\u003Cp>To make the right choice, you should think about your risk tolerance and how much you’re willing to spend on insurance to help protect your business. \u003C\u002Fp>\n\u003Ch4>The client contract reality \u003C\u002Fh4>\n\u003Cp>Depending on what industry you work in - some clients may not want to work with you if you don’t have some level of indemnity cover in place. They're not being difficult - they're just protecting themselves. \u003C\u002Fp>\n\u003Cp>Even public service sectors may require proof before signing contracts.  So without it, you may be missing out on business opportunities with new partners – it's something to really think about. \u003C\u002Fp>\n\u003Ch3>Public liability for small businesses\u003C\u002Fh3>\n\u003Ch4>Why public liability isn't just for \"risky\" businesses \u003C\u002Fh4>\n\u003Cp>When it comes to construction – it’s pretty clear why public liability could be considered, as working in public areas can increase the chance of injury by the public.  \u003C\u002Fp>\n\u003Cp>But what about businesses that don’t seem as ‘risky’ ? The right public liability cover could still be essential for: \u003C\u002Fp>\n\u003Ch5>Shops \u003C\u002Fh5>\n\u003Cp>If you run a local shop or grocers, then you’ll have some loyal customers that step into your shop daily. This means you’re not risk-free either. Spilt or spoiled produce on the floor could cause customers to slip or fall – leading to injuries. Therefore Public liability insurance is a key consideration along with many other types of cover. \u003C\u002Fp>\n\u003Cp>Read more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fshop\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">insurance for shops\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch5>Takeaways\u003C\u002Fh5>\n\u003Cp>Similarly to shops, if you’re takeaway is bustling on a Friday night, then there is the risk of greasy floors which can cause slips and trips. Having PL in place along with others, could help protect you if an injured customer decides to claim. \u003C\u002Fp>\n\u003Cp>Learn more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Ftakeaway\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">takeaway insurance\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch5>Wholesalers \u003C\u002Fh5>\n\u003Cp>As a wholesaler  – you may have partners or clients come to your warehouse to see your operations. If stock or packaging is left lying around – it could increase the risk of slips and falls – leading to injury. \u003C\u002Fp>\n\u003Cp>Even if you’re supplying flowers, bikes or anything in between – You can  consider public liability in your insurance package.  \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fwholesale\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Read up on wholesale insurance\u003C\u002Fa> to see answer any more of your questions. \u003C\u002Fp>\n\u003Ch5>Offices\u003C\u002Fh5>\n\u003Cp>If you have clients or suppliers that visit your office premises, there is a chance they could slip, trip, or fall and injured themselves. And you could be held liable, even if your office seems “safe” and you follow proper \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fhealth-and-safety-at-work\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">health and safety\u003C\u002Fa> regulations.  \u003C\u002Fp>\n\u003Cp>Learn more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Foffice\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">office insurance\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch5>Salons\u003C\u002Fh5>\n\u003Cp>Designed for hairdressers and beauty salons, salon insurance includes public liability cover. This includes protection against injury claims or if one of your clients suffers an allergic reaction caused by one of your treatments. \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fsalon\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Find out more about salon insurance\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch5>Cafes\u003C\u002Fh5>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fcafe-coffee-shops\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Cafe insurance\u003C\u002Fa> sometimes has added requirements for food hygiene and safety standards. Check your policy to see if this applies to you. You could also be held responsible if a customer burns themselves on a hot plate or an employee spills coffee on a customer's expensive coat. Cafe insurance can help cover your business for the cost of claims made against you. \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fcafe-coffee-shops\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Find out more about cafe insurance\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch5>Hotels \u003C\u002Fh5>\n\u003Cp>Hotels should consider public liability insurance. It can help protect your business against claims from guests, such as slips and falls and natural disasters. For example, if a guest slips on a wet floor in your hallway and files a claim, hotel insurance could help cover the legal costs and compensation. \u003C\u002Fp>\n\u003Ch5>Online businesses\u003C\u002Fh5>\n\u003Cp>You might think you're risk-free if you don’t have a physical office space – but that’s not necessarily true. You could run into the following: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>A delivery to a customer's address causes property damage \u003C\u002Fli>\n  \u003Cli>You attend industry events and accidentally damage venue property \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>In these cases, many businesses choose to have a level of public liability in place. Learn more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fonline-retailer-ecommerce\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">insurance for online businesses.\u003C\u002Fa> \u003C\u002Fp>\n\u003Ch5>Home-based businesses \u003C\u002Fh5>\n\u003Cp>If you run your business from home, then you should still consider business cover – especially if you have clients in your home. For example, if you are a self-employed counsellor. \u003C\u002Fp>\n\u003Cp>Standard home insurance \u003Cem>won't cover\u003C\u002Fem> business-related claims. If a client slips and falls down your front doorsteps they may have grounds for a claim. So, to prepare and protect yourself, you can consider getting \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fhome-based-business\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">home-based business insurance\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cp>Remember, you should always tell your home insurer if you are running a business from home, even if it’s a part time business. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>How do I know if I'm underinsured?\u003C\u002Fstrong>\u003C\u002Fh2>\n\u003Cp>You may find you end up underinsured from one simple mistake. When getting a quote you might put the wrong your business description. If you fill in a generic form and get a quote based on a generic description, this may not reflect the actual risks that are specific to your business. \u003C\u002Fp>\n\u003Cp>And this could lead to being underinsured and potential future claims getting rejected.  \u003C\u002Fp>\n\u003Cp>Learn more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002F5-common-mistakes-to-avoid-when-selecting-business-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">common business insurance mistakes\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>The business description trap\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>For example, you might describe yourself as an engineer, but you should declare what type of engineer... \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Engineer\u003C\u002Fstrong> -  could mean computer engineer or chemical engineer. Insurers would see these jobs as having completely different risk profiles. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Retailer\u003C\u002Fstrong> - doesn't distinguish between selling books or selling power tools \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Technology services\u003C\u002Fstrong> - covers everything from website design to AI automation \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>To avoid this, be more specific about your actual activities. The more specific you are, the more accurate your coverage will be. \u003C\u002Fp>\n\u003Cp>At Bionic, we don’t use generic forms. Our quotes process starts online and empowers you to get the right quotes specific for your business needs. And if you need support or get stuck, we can connect you straight to a UK-based member of our team to help guide you through the process.  \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>Coverage gaps that could lead to rejected claims\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Here are a few things to be aware of... \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Policy conditions you didn't know about\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>Insurers will set out requirements in your policy they expect you to meet, if you don’t and need to make a claim, you might not be covered. Common conditions may include: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Maintaining specific security measures (like health and safety regulations) \u003C\u002Fli>\n  \u003Cli>Regular equipment maintenance \u003C\u002Fli>\n  \u003Cli>Proper storage of materials (for example, locking your tools away securely at night) \u003C\u002Fli>\n  \u003Cli>Proper employee training \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>This is why \u003Cem>it’s so important\u003C\u002Fem> read the small print in your policy and abide by any conditions set out by your insurer. If you don’t and attempt to make a claim – insurers are within their right to right to reject. They could simply say -\u003Cem> you\u003C\u002Fem> should have checked \u003Cem>your \u003C\u002Fem>policy.  \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Gradual damage exclusions\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>Many policies only cover sudden, accidental damage. If your business operations gradually damage someone's property (like vibrations from machinery), you might not be covered.\u003C\u002Fp>\n\u003Ch2>\u003Cstrong>Cyber exclusions in traditional policies\u003C\u002Fstrong>\u003C\u002Fh2>\n\u003Cp>If you don’t have cyber insurance in place – your existing policy may not provide cover you if you suffer a cyber-attack on your systems. You may need to take out a separate policy to help cover you from data breaches. \u003C\u002Fp>\n\u003Ch3>Real world example  \u003C\u002Fh3>\n\u003Cp>\u003Cem>Imagine you’ve been running a successful local bakery for 8 years and built up a loyal customer base. One morning, you notice your POS payment systems isn’t working properly. You look into the issue and find out your payment system has a security breach. Not only do you now need to notify customers and apologise, potentially damaging your reputation. You are liable for fines as well as legal fee costs if any customers try to take you to court. \u003C\u002Fem> \u003C\u002Fp>\n\u003Cp>\u003Cem>The lesson here is to check the security measures your partners and suppliers have in place. Optional covers may provide help in these situations.\u003C\u002Fem> \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>How to avoid the insurance trap\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Cheap insurance \u003Cem>doesn’t\u003C\u002Fem> always pay. What does that mean? \u003C\u002Fp>\n\u003Cp>Some brokers may supply you with the cheapest quote possible. Especially if you’re filling in a generic form. This may look great on paper, but when you look into the details – what are you actually getting for it? \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Follie-barrett\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">\u003Cem>Ollie Barrett – Senior Technical Insurance Manager\u003C\u002Fem>\u003C\u002Fa>\u003Cem> at Bionic, states -  “Not all sectors have the same types of risks. Your cover should meet your individual business requirements, making sure sums insured are adequate to cover your business in the event of a claim.\u003C\u002Fem> \u003C\u002Fp>\n\u003Cp>\u003Cem>You should always check your insurance policy to ensure that you are happy with the terms and conditions that have been applied. Policies may have higher excess for specific sections of your policy, or restrictions in cover, or both! Look through your policy documentation to check any excess, terms and conditions that may apply.”\u003C\u002Fem> \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>What insurance actually costs\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>\u003Cstrong>High excesses -\u003C\u002Fstrong>  A cheap policy might mean you have a really high excess. For example, that £200 annual policy might have an excess of £5,000. For many small claims, you might have to pay everything yourself. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Limited coverage\u003C\u002Fstrong> - Cheap policies may exclude key risks or have low sub-limits that don't provide the protection you need \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Poor claims service\u003C\u002Fstrong> - When you need to claim, very cheap insurers may provide minimal support to help you through the process. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Things to consider before opting for an insurance quote\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>Is it significantly cheaper than other quotes? (could indicate limited cover) \u003C\u002Fli>\n  \u003Cli>Does it have very generic policy wording without industry-specific provisions? \u003C\u002Fli>\n  \u003Cli>Does it mention of any claims support services \u003C\u002Fli>\n  \u003Cli>Did you fill out a quick generic form without speaking to a real person? \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>What to look for in your insurance quote\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Instead of going with the cheapest premium, you should look for: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Appropriate cover limits for the risks your business faces \u003C\u002Fli>\n  \u003Cli>Industry-specific policy wordings \u003C\u002Fli>\n  \u003Cli>24\u002F7 claims support \u003C\u002Fli>\n  \u003Cli>Risk management services \u003C\u002Fli>\n  \u003Cli>A human broker you can speak to check the specifics \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>\u003Cstrong>When to use professional help\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Some insurance decisions are too important to get wrong – and there are plenty of honest \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fworking-with-a-business-insurance-broker\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">business insurance brokers\u003C\u002Fa> out there who can help. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>You can use a broker when...\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cul>\n  \u003Cli>You’re not sure what options you have \u003C\u002Fli>\n  \u003Cli>Your business has complex needs or unusual risks \u003C\u002Fli>\n  \u003Cli>You need specific cover for your industry \u003C\u002Fli>\n  \u003Cli>You've had \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fwhat-happens-if-youre-refused-business-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">claims rejected in the past\u003C\u002Fa> \u003C\u002Fli>\n  \u003Cli>You're unsure about your gaps in cover \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Learn more about using a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fbroker-vs-direct-insurer-which-is-better\u002F\">business insurance broker\u003C\u002Fa>.\u003C\u002Fp>\n\u003Ch2>\u003Cstrong>Sorting the right business insurance\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Remember, it’s not about buying the most insurance or the cheapest insurance – it's about finding the right protection for your specific risks at a price that makes business sense. \u003C\u002Fp>\n\u003Cp>When you have the right cover in place, you can focus on growing your business instead of worrying about what might go wrong. At Bionic we help insure small to medium businesses from shops and salons to takeaways and sole traders. Start a quote online to get started to compare business insurance and a member of our insurance team will be on hand to help you through the specifics. Don’t want to chat now? You can schedule a call when it suits you best. \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\">Start a quote for business insurance with Bionic\u003C\u002Fa>.\u003C\u002Fp>",{"name":956,"type":14,"value":1209,"linkedItems":1210},[958],[],{"name":961,"type":14,"value":1212,"linkedItems":1213},[963],[],{"name":966,"type":967,"value":1215,"displayTimeZone":969},"2026-03-25T16:55:00Z",{"name":971,"type":967,"value":832,"displayTimeZone":969},{"name":973,"type":11,"value":1218},"what-type-of-business-insurance-do-i-need\u002F",{"name":976,"type":7,"value":1220},"What insurance do I need for my small business in 2026?",{"name":979,"type":7,"value":1222},"Finding the right business insurance shouldn't feel confusing. 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Get the inside track from real business owners just like you\u003C\u002Fp>",{"name":48,"type":7,"value":1280},"Yes, sign me up",{"name":51,"type":7,"value":1282},"https:\u002F\u002Fbackbone.bionic.co.uk\u002Fsign-up",{"name":1284,"type":22,"value":1285},"Image Right",[1286],{"name":1287,"description":1288,"type":27,"size":1289,"url":1290,"width":1291,"height":1292,"renditions":1293},"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":144,"collection":81,"id":1295,"language":81,"lastModified":1296,"name":1297,"sitemapLocations":1298,"type":1299,"workflowStep":87,"workflow":81},"31d6b6b9-30ef-4f5a-bde5-ec18f1823f86","2024-11-19T13:47:59.5857742Z","Content Block - Image with CTA - Ins Backbone",[],"content_block___image_with_cta",{"elements":1301,"system":1302},{},{"codename":145,"collection":81,"id":1303,"language":81,"lastModified":1304,"name":1305,"sitemapLocations":1306,"type":145,"workflowStep":87,"workflow":81},"27c81dfe-7041-4ad0-913b-6f7b41ef4a2b","2024-11-12T12:29:58.1483257Z","Content Block - Social",[],{"name":1308,"type":7,"value":1309},"Meta Title","Compare Yoga Teacher Insurance From 23p a Day | 86% of customers love our service",{"name":1311,"type":7,"value":1312},"Meta Description","We can tailor cover for over 6,000 business types, including yoga teachers. 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