Robison & Co

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Distracted driving: Protecting your people and your business

Distracted driving: Protecting your people and your business

Distracted driving is a growing threat to small businesses. It puts your staff, vehicles, and reputation at risk. In the UK, thousands of crashes each year are linked to driver distraction.

That’s why creating a distracted driving policy is crucial. It keeps your employees safe, supports compliance, and reduces claims. Most importantly, it helps protect your bottom line.

Here’s what you need to know.

Why a distracted driving policy matters

Your people are your most valuable asset. But they’re also human. It only takes one glance at a phone, one moment of drowsiness, or one loud noise to cause an accident.

Without clear guidance, drivers might assume distracted habits are acceptable. That’s when accidents happen. A good policy tackles that early. It shows staff you care and ensures expectations are clear from the start.

This approach builds trust, improves road safety, and reduces downtime from accidents. It also shows insurers your business takes risk seriously.

Types of distracted driving to address

To prevent distracted driving, your policy should explain what counts as a distraction. Staff need to understand the risks before they can avoid them.

Some of the most common types include:

Manual distractions

Taking hands off the wheel. This includes eating, adjusting the radio, or using a phone.

Visual distractions

Looking away from the road. Checking a text, staring at the GPS, or talking to passengers.

Cognitive distractions

Losing focus. Daydreaming, fatigue, or being deep in conversation all reduce attention.

Auditory distractions

Loud sounds. Noisy passengers or blasting music can affect concentration.

Physical distractions

Shifting in the seat, grooming, or dressing while driving.

Each of these can have serious consequences. That’s why your policy should be specific, clear, and easy to follow.

Distracted driving and mobile phones

Phones are one of the biggest culprits. Even hands-free calls distract the brain. In the UK, it’s illegal to use handheld devices while driving.

Your policy must make this clear.

Many businesses now require drivers to set phones to silent before driving. Others go further, banning phone use altogether. This reduces the chance of incidents and removes any grey areas.

If you do allow hands-free use, keep it short. Encourage staff to pull over safely for longer conversations.

Using technology to reduce risk

Technology can help monitor and reduce distracted driving. Your policy should include guidance on how and when it’s used.

Common systems include:

  • Telematics for tracking driving behaviour

  • Mobile blockers to prevent phone use

  • Dashcams to review incidents

  • Hands-free tools that keep attention on the road

Used well, these tools reduce risk and improve training. But be transparent. Let staff know what is being monitored and why. That builds trust and increases buy-in.

Encouraging safe habits before every journey

Good habits start before the engine does.

Make sure staff know to:

  • Adjust mirrors and seats first

  • Set the GPS and temperature

  • Secure loose items

  • Avoid multitasking during the drive

Simple steps like these help drivers stay focused from the moment they leave.

Breaks matter too

Eating while driving is unsafe. So is driving when tired. Your policy should allow time for rest and refreshment.

Encourage staff to:

  • Pull over to eat

  • Take breaks on long journeys

  • Speak up if they feel drowsy or distracted

This helps prevent accidents and shows that staff wellbeing matters.

Passenger awareness

When staff are transporting others, remind them to stay focused. Conversations should be minimal in busy traffic or unfamiliar areas. A clear policy here ensures everyone knows what’s expected.

Training brings it to life

A written policy is only the start. You also need training.

Cover:

  • The risks of distracted driving

  • What counts as a distraction

  • What the policy says

  • How tech is used and why

Training should include real-life examples. Encourage questions. Help staff understand how the policy protects them.

Don’t forget to enforce it

Make it clear what happens if the policy is ignored. Set fair consequences and apply them consistently. This keeps everyone accountable.

Policies need regular updates

What works today might not tomorrow. Review your policy often. Add new tools or respond to changes in the law. A flexible policy stays relevant and effective.

Final thoughts

Preventing distracted driving protects people, property, and profits. With a clear, enforced policy, you reduce accidents and keep your business moving.

At Robison & Co, we help businesses like yours manage risk with confidence. We’ll help tailor a policy that fits your team, supports safety, and keeps you covered.

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Preventing theft and vandalism: How you can protect your business

Preventing Theft and Vandalism: How you can protect your business

For small business owners, theft and vandalism aren’t just minor inconveniences. They can lead to financial loss, operational downtime, and reputational damage. With crime rates rising, preventing theft and vandalism should be a top priority for every SME.

Many businesses assume they won’t be targeted—until they are. Without the right security measures, SMEs become easy prey for criminals. The good news? You can take action now to protect your business.

Why SMEs Are at Risk

Small businesses often lack dedicated security teams or high-tech defences. Criminals target SMEs because they assume security will be weaker than in larger corporations.

Here’s why SMEs face greater risks:

  • Expensive equipment, like computers and stock, makes an attractive target.
  • Limited security budgets mean fewer protective measures.
  • Fewer staff members increase vulnerability outside business hours.
  • Inadequate CCTV or alarm systems make break-ins easier.

Taking proactive steps can significantly reduce these risks.

How to Prevent Theft and Vandalism at Your Business

Being proactive prevents costly damages. Strengthen your security now to avoid future losses.

1. Strengthen Your Physical Security

A well-secured business is less appealing to criminals. Invest in physical barriers to deter them.

  • Install shutters, reinforced doors, and window locks.
  • Use CCTV cameras with remote access.
  • Fit motion sensor lights around entry points.
  • Secure valuables away from public view.

2. Invest in a Reliable Alarm System

An alarm system is one of the best deterrents against crime.

  • Use monitored alarms that notify authorities immediately.
  • Choose a system with motion detectors for added security.
  • Test alarms regularly to ensure they’re working correctly.

3. Train Your Staff on Security Best Practices

Your employees play a key role in protecting your business. Make security a team effort.

  • Train staff to recognise suspicious behaviour.
  • Implement secure opening and closing procedures.
  • Limit access to cash, stock, and sensitive data.

4. Review Your Insurance Cover

Even with strong security, theft and vandalism can still happen. The right insurance ensures your business can recover.

  • Check if your policy covers vandalism-related damage.
  • Ensure theft cover includes stock, cash, and equipment.
  • Review business interruption cover for loss of income.

At Robison & Co, we offer bespoke SME insurance to safeguard your business from financial setbacks.

What Happens If You Do Nothing?

Ignoring security risks can lead to severe consequences:

  • Financial strain – Replacing stolen stock or repairing damage can be costly.
  • Business disruption – A break-in could force temporary closure.
  • Higher insurance costs – A history of claims can increase premiums.

The best protection is preparation.

Robison & Co: Supporting SMEs Every Step of the Way

At Robison & Co, we understand the risks SMEs face. That’s why we provide:

  • Tailored SME insurance covering theft, vandalism, and business interruption.
  • Expert risk guidance to help prevent crime at your business
  • Ongoing support to ensure your policy always meets your needs.

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk

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2025 Insurance market trends: What businesses need to know

2025 insurance market trends: What businesses need to know

Insurance market trends are evolving rapidly, and 2025 brings new challenges and opportunities for businesses. From economic shifts to climate risks and AI-driven underwriting, companies must stay ahead to protect their assets and ensure financial stability.

With premiums rising and risks changing, understanding insurance market trends is essential for securing the right cover. Let’s explore the biggest disruptors shaping business insurance in 2025 and how you can prepare.

Why businesses must stay ahead of insurance market trends

Market changes don’t just affect insurers—they directly impact businesses. Rising costs, evolving risks, and stricter underwriting can leave companies underinsured or facing higher premiums. Without preparation, businesses may struggle to secure adequate cover.

However, understanding market trends helps you make informed decisions. You can strengthen risk management, review policies early, and ensure your business remains protected. Let’s look at the biggest changes affecting the market in 2025.

Key insurance market trends for 2025

1. Economic uncertainty driving premium fluctuations

Inflation, rising interest rates, and global instability continue to disrupt the insurance market. Insurers are reassessing risk exposure, leading to premium increases for some industries. Businesses with poor risk management or high claims histories may see the sharpest rises.

What you can do:A set of wooden blocks stacked in ascending order, each featuring a blue arrow pointing upwards, symbolizing growth, progress, or business success.

  • Review your policies early to avoid renewal shocks.
  • Strengthen risk management to negotiate better terms.
  • Work with an expert broker to find cost-effective cover.

2. Climate risks increasing property insurance costs

Extreme weather events are becoming more frequent, leading to higher property damage claims. Floods, storms, and heatwaves put commercial buildings, supply chains, and business continuity at risk. Insurers are tightening underwriting rules, making it harder for some businesses to secure cover without mitigation measures.

What you can do:

  • Assess your property’s flood and climate risk now.
  • Implement safeguards like flood barriers and backup power.
  • Ensure your policy covers business interruption due to extreme weather.

3. Cyber threats driving demand for cyber insurance

Cybercrime is one of the fastest-growing risks for businesses. Ransomware attacks, data breaches, and phishing scams are on the rise, with SMEs being primary targets. Many insurers now require businesses to meet strict cybersecurity standards before offering cyber cover.

What you can do:

  • Invest in strong cybersecurity measures to meet insurer requirements.
  • Check if your policy includes cyber incident response and recovery costs.
  • Train employees to spot phishing attacks and security threats.

4. AI and data-driven underwriting changing policies

Insurance providers are increasingly using AI, big data, and automation to assess risks. Policies are becoming more tailored, but businesses with limited data or poor risk management may face higher premiums. AI also speeds up claims processing, benefiting businesses that provide accurate risk data.A humanoid AI robot with a sleek white design interacting with a futuristic digital interface, surrounded by holographic data.

What you can do:

  • Keep accurate records of risk management, compliance, and incidents.
  • Use technology to monitor and reduce risks (e.g., telematics for fleets).
  • Work with a broker to find insurers offering AI-driven discounts.

5. Underinsurance risks due to rising property values

Commercial property values have risen sharply, but many businesses haven’t updated their policies. Underinsurance is a growing problem. if your sum insured is too low, you could receive a reduced pay-out in a claim. Some insurers are introducing strict penalties for underinsurance.

What you can do:

  • Regularly update your sum insured to reflect current values.
  • Get a professional valuation to ensure accurate cover.
  • Review your policy before renewal to avoid costly shortfalls.

How Robison & Co can help

The insurance market is complex, but you don’t have to navigate it alone. At Robison & Co, we help businesses stay protected with tailored policies, expert advice, and ongoing support.

✔ Bespoke commercial insurance designed for your industry.
✔ Risk management guidance to keep premiums manageable.
✔ Proactive policy reviews to prevent underinsurance.

To discuss a new or existing policy, please get in touch with us via one of the options below!

To discuss a new or existing policy, please get in touch with us via one of the options below!

01730 265500 | hello@robison.co.uk | Contact request form

 

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The UK is unprepared for floods: How to protect your home from flooding

The UK is unprepared for floods: How to protect your home from flooding

How to protect your home from flooding

You’ve worked hard to make your house a home. But with floods becoming more frequent and severe, many UK homeowners face serious risks without realising it. How to protect your home from flooding is no longer a question for the future—it’s a necessity now. Water damage can destroy property, ruin belongings, and leave families displaced for months.

The problem? Most homeowners aren’t prepared. Many don’t know their flood risk or assume standard home insurance will cover any damage. However, that’s not always the case. If a flood strikes, will you be left to face the costs alone?

The good news is, you can take action now to protect your home and finances. Therefore, here’s how to get prepared before it’s too late.

Why floods are a growing threat to UK homeowners

Floods are no longer just a rare event—they’re happening more often and in places that never used to flood. Climate change, aging drainage systems, and rapid urban development have increased the likelihood of water damage. As a result, homeowners face greater risks than ever before.

Here’s what’s putting UK homes at risk:

  • Heavier and more frequent storms overwhelm drainage systems.
  • New housing developments are being built on flood-prone land.
  • Rivers and coastal areas are experiencing rising water levels.
  • Flash floods are becoming unpredictable, striking without warning.

The result? More homes are at risk than ever before. Yet, most homeowners haven’t taken steps to protect themselves—leaving them exposed to costly damage and disruption.

How to protect your home from floodingA flooded street in a historic town, with water submerging sidewalks and creeping towards red brick buildings and parked cars. The sky is overcast, suggesting recent heavy rainfall.

If you wait until a flood warning is issued, it may be too late to act. Instead, take these proactive steps now to minimise damage and ensure your home is flood-ready.

1. Check your flood risk before it’s too late

Many homeowners don’t realise their property is at risk until they experience a flood first-hand. Therefore, don’t wait for disaster—check now!

  • Use government flood maps to assess your property’s flood risk.
  • Sign up for Met Office and Environment Agency flood alerts.
  • Monitor weather reports, especially in autumn and winter.

2. Strengthen your home’s flood defences

You can’t stop a flood, but you can limit the damage. Fortunately, small improvements now can prevent significant costs later.

  • Install flood barriers on doors and airbricks.
  • Use sandbags to block water from entering.
  • Waterproof key areas like doors, windows, and external walls.
  • Keep electricals and valuables elevated to avoid water damage.

3. Create an emergency flood plan

A flood can happen fast. Therefore, knowing what to do in an emergency is key.

  • Know how to turn off gas, electricity, and water.
  • Prepare a flood emergency kit (torch, batteries, first aid, bottled water).
  • Store important documents in waterproof bags.
  • Plan an evacuation route in case you need to leave quickly.

A well-prepared plan can reduce panic and help you protect your family and belongings. Several cars, including a silver hatchback, are partially submerged in floodwater on a busy street. Traffic is halted as flood levels rise, affecting commuters and businesses.

4. Review your home insurance now, not later

Many homeowners assume flood damage is covered by their home insurance. However, that’s not always the case. Standard policies may not include flood cover, leaving you responsible for repairs.

✔ Check if your insurance includes: ✔ Flood damage cover for repairs and replacements. ✔ Alternative accommodation costs if your home becomes uninhabitable. ✔ Fast claims support to help you recover quickly.

At Robison & Co, we offer bespoke home insurance policies tailored to your needs, so you’re never left unprotected.

What happens if you do nothing?

Without proper flood protection, the impact could be devastating. Therefore, taking action now is essential.

  • Financial stress – Repairing flood damage can cost tens of thousands.
  • Lost belongings – Priceless items like photos and heirlooms can be ruined.
  • Months of disruption – Some homes never fully recover from severe floods.

But you have the power to change this. By preparing now, you can protect your home and avoid unnecessary costs.

 

Robison & Co: Supporting you through every storm

At Robison & Co, we understand the real impact of flooding—and we’re here to help. We don’t just offer insurance; we offer peace of mind. Our expert team provides:

✔ Tailored home insurance that protects you against flooding.
✔ Expert advice to ensure your policy meets your exact needs.
✔ Dedicated support when you need it most.

Don’t wait for the next storm to find out you’re underinsured.

To discuss a new policy, or your current policy, please get in touch with us via one of the options below!

01730 265500 | hello@robison.co.uk | Contact request form

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Flood Damage Insurance Claims: What You Need to Know Post-Storm Herminia

Flood Damage Insurance Claims: What You Need to Know Post-Storm Herminia

Storm Herminia has swept across England, leaving homes flooded and countless families dealing with the aftermath. Flooding can cause severe damage to properties, creating significant financial and emotional strain. In these moments, knowing how to navigate flood damage insurance claims is essential for a swift recovery.

Assessing the Impact of Flood Damage

Floods, like those caused by Storm Herminia, can wreak havoc on homes and belongings. From structural damage to ruined personal items, the costs can quickly escalate. Before taking any further steps, it’s important to assess the damage accurately. Here’s what you need to do:

  • Prioritise safety first: Ensure your property is safe to enter. Turn off gas, electricity, and water if necessary to prevent further hazards.
  • Document the damage thoroughly: Take clear photos and videos of all affected areas and damaged belongings, ensuring nothing is missed.
  • List your losses in detail: Create a comprehensive inventory of damaged or destroyed items, including their approximate values and any relevant receipts.

These steps are critical for supporting your insurance claim and ensuring you receive the appropriate pay-out.

Reporting Flood Damage: Start the Claims Process Early

Acting quickly is vital after flood damage. The sooner you report the issue, the faster you can begin the recovery process. Follow these essential steps to initiate your flood damage insurance claim:

  1. Contact your insurer immediately: Inform your insurance provider about the damage and ask for specific guidance on the claims process.
  2. Provide strong evidence: Share your photos, videos, and inventory of losses with your insurer. The more detailed your evidence, the smoother the process will be.
  3. Understand your policy’s details: Familiarise yourself with your policy’s terms, including coverage limits, exclusions, and any specific conditions that may apply.
  4. Arrange an inspection as soon as possible: Your insurer may send a loss adjuster to assess the extent of the damage and estimate repair costs. Ensure you are present during the inspection to answer any questions.

Tips for Navigating Flood Damage Insurance Claims

Making a claim can feel overwhelming, but these practical tips will help streamline the process:

  • Keep all receipts and records: Maintain receipts for emergency repairs, temporary accommodation, or alternative living arrangements, as your insurer may reimburse these expenses.
  • Don’t dispose of damaged items too soon: Hold onto damaged possessions until your insurer has reviewed them to prevent any claim disputes.
  • Seek clarification if needed: If any policy terms or requirements are unclear, don’t hesitate to ask your insurer for explanations.
  • Stay persistent and follow up: Check in regularly with your insurer to track the progress of your claim and ensure things are moving forward.

Preventing Future Flood Damage

While we can’t control the weather, we can take proactive steps to minimise future risks. Consider implementing these protective measures:

  • Install flood defences where possible: Barriers, sandbags, and flood-resistant doors can help reduce water ingress and limit damage.
  • Elevate valuable possessions: Keep important documents, electronics, and sentimental items in waterproof or elevated locations to protect them from flood damage.
  • Inspect and maintain your property regularly: Ensure your home’s drainage systems, gutters, and seals are in good condition to prevent water accumulation.
  • Review and update your insurance policy: Make sure your cover includes flood damage and offers sufficient protection for your home and belongings.

Robison & Co: Here to Support You

At Robison & Co, we understand the challenges that follow devastating events like Storm Herminia. That’s why we’re here to support you throughout the claims process, helping you secure the financial protection you need.

With bespoke insurance solutions, we ensure you have the right cover in place before disaster strikes. If you need expert advice or assistance with your claim, contact us today. Let us guide you through this process and help safeguard your home against future risks.

 

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk