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A report published by the Association of British Insurers in January 2026 put a number on something brokers see every week: only around half of UK SMEs have employers’ liability insurance in place, despite it being a legal requirement for almost every business with staff. Business insurance rarely makes anyone’s list of exciting topics. But the businesses that get caught […]


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On 19 July 2022, the UK passed 40°C for the first time since records began, with 40.3°C recorded at Coningsby in Lincolnshire. Heatwaves that once felt like a rare event are becoming a regular feature of the British summer – and our homes, built to hold warmth in rather than keep it out, are starting to feel the strain. In […]


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The UK is standing on the brink of a transport revolution. By 2026, fully autonomous vehicles (AVs) will begin appearing on British roads following the landmark Automated Vehicles Act 2024. This legislation sets out a clear framework for safety, liability and operational standards, positioning the UK as a global leader in self-driving technology. The fundamental question for businesses, particularly those […]


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Cybercrime is a pervasive and growing threat that affects businesses of all sizes. UK Government data shows that 43% of businesses faced a cyber breach last year, demonstrating that small and medium-sized enterprises (SMEs) are not too small to be targets. Ransomware pressure is also rising, placing boards on notice. The state of UK cyber risk Prevalence and attack vectors […]


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