Archive
Costs and pricing
Seven business insurance costs beyond the premium in England: IPT at 12% or 20%, fees, finance, excess, uninsured loss, controls and time, with a worked total.
Costs and pricing
A business insurance budget template for England: premium, Insurance Premium Tax at 12%, fees, excesses and a cash schedule, with the rules behind each line.
Measurement
Key business insurance metrics for England with sources: 12% Insurance Premium Tax, the eight-week complaint clock, claims timing and Cyber Essentials from £320.
Rules and ethics
The Windsor Framework changes customs, not insurance law. Named rules apply: employers' liability in GB and Northern Ireland, fair presentation, FCA register.
Outlook
A dated UK rule calendar for business insurance to 2027: PS25/21, CP25/37 rules, the CP26/22 consultation and PS26/2 incident reporting, plus PII limits.
Operations
How to run business insurance after purchase: register check, employers' liability certificate, claims log under ICOBS 8.1 and the eight-week complaint clock.
Audience research
Define a business insurance target audience in England using official business counts, employers' liability triggers, buying roles and the FCA PROD 4.2 test.
Outlook
Business insurance for UK small firms should match seasonal risks: winter freeze, summer flooding and event cancellation, with cover checked each season.
Reviews
Commercial insurance in Manchester, Birmingham and Glasgow: how local broker expertise, insurer appetite and SME pricing differ across the three cities.
Rules and ethics
Commercial insurance in the UK takes many of its terms from London, where Lloyd's of London, brokers and the FCA and PRA set wordings and rules.
Rules and ethics
Commercial insurance for small businesses in England: how a Scottish link can change claim deadlines, Scottish courts and policy wordings for English SMEs.
Rules and ethics
Commercial insurance prices in the UK carry Insurance Premium Tax at 12% or 20%, while VAT usually does not apply. Here is how each tax changes your premium.
Outlook
Commercial insurance and Flood Re: what the scheme covers for homes and small firms, its exclusions for larger property, and how flood maps shape cover in England.
Rules and ethics
Employers' liability insurance in Great Britain: who needs cover, the £5 million minimum under the 1998 Regulations, family exemption and certificate duties.
Outlook
Business insurance for UK-EU trade: what haulage, cargo and trade credit cover can protect, and how to check policy terms against each shipment.
Rules and ethics
Commercial insurance disputes in the UK reach five bodies: the Financial Ombudsman Service, FCA, PRA, BIBA and ABI. Here is what each one does.
