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:

• 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.

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

 

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 flooding

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.

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

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

Employee attraction and retention trends in 2025: Well-being at the core

Employee Attraction and Retention trends in 2025 highlight the growing importance of employee well-being as a critical business strategy. As we step into the new year, attracting and retaining top talent depends on understanding and adapting to shifting employee priorities. With evolving workplace trends, businesses must take proactive steps to ensure their teams thrive. Let’s explore how well-being can play a pivotal role in these efforts.

Why well-being matters for employee attraction and retention

In today’s competitive job market, employees are looking for more than just a salary. Instead, they seek a positive workplace culture and robust well-being initiatives. Notably, businesses that invest in well-being see higher employee satisfaction, reduced turnover, and increased productivity.

On the other hand, ignoring these factors can make it harder to attract the best talent or retain existing teams. Therefore, now is the time to rethink strategies and embrace well-being as a cornerstone of your employee engagement efforts.

Key employee attraction and retention trends in 2025

Flexible working: A must-have for employee well-being

Flexibility remains essential for attracting and retaining employees. For instance, hybrid working models, which allow employees to divide their time between home and the office, continue to gain popularity. Moreover, businesses offering remote options or flexible hours are better positioned to meet diverse employee needs.

Financial well-being: Addressing the cost-of-living crisis

With rising living costs, financial well-being initiatives have become a priority. Consequently, employers are introducing benefits like financial planning workshops, salary advance schemes, and employee discount programmes. Supporting financial stability not only demonstrates genuine care but also enhances loyalty.

Mental health support: A critical workplace focus

Mental health remains a key consideration for employees in 2025. Offering counselling services, stress management workshops, and mental health first aid training fosters a supportive workplace culture. Additionally, proactively addressing mental health creates a more engaged workforce.

Personalised benefits: Meeting individual needs

One-size-fits-all benefits no longer appeal to today’s workforce. Tailored benefits, such as wellness programmes, professional development opportunities, and childcare support, significantly increase employee satisfaction and commitment.

Purpose-driven work: Aligning values with careers

More employees want to work for organisations that align with their personal values. As a result, demonstrating social responsibility and sustainability efforts helps attract and retain purpose-driven talent. Therefore, highlighting these efforts in your recruitment and retention strategies is crucial.

Implementing employee well-being initiatives in 2025

To effectively integrate employee well-being into your workplace, consider the following steps:

• Conduct Employee Surveys: Gather regular feedback to understand which well-being initiatives your team values most.
• Promote Awareness: Clearly communicate the availability of well-being resources to your employees.
• Invest in Training: Equip managers with the skills to support their teams’ well-being effectively.
• Measure Success: Use metrics like employee satisfaction scores and retention rates to evaluate well-being efforts.

Employee Well-being: The key to a thriving workforce

Prioritising employee well-being is no longer optional—it’s essential for attracting and retaining top talent in 2025. By embedding well-being into your workplace culture and staying ahead of these trends, you can position your business as an employer of choice. At Robison & Co, we understand the importance of a happy, healthy workforce. If you’d like to explore how insurance solutions can support your employee well-being efforts, we’re here to help.

 

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

Your 2025 Guide to Understanding Your Insurance Policy

Understanding your insurance policy can feel like decoding a foreign language. But it doesn’t have to be that way. When you grasp the key terms in your policy, you’re better equipped to protect your assets and make informed decisions. Whether you’re new to insurance or looking for a refresher, this guide will help you confidently navigate the language of insurance.

Why Understanding Your Insurance Policy Matters

Insurance policies are full of terminology that can be overwhelming. Misunderstanding these terms could lead to gaps in cover or unexpected expenses. For example, failing to understand what a warranty means could result in a denied claim. By familiarising yourself with these essential terms, you ensure you have the right protection when you need it most.

We’ve grouped some of the most important insurance terms into categories to make them easier to understand. Let’s dive in.

Policy Cover Terms

These terms outline what your insurance protects and what it doesn’t.

1. Average Clause
If your property is underinsured, this clause reduces the amount paid out on a claim. For example, if your building is insured for £500,000 but its actual value is £1 million, only half of a valid claim will be paid.

2. Limit of Indemnity
This is the maximum amount the insurer will pay under your policy. Understanding this limit helps ensure you have enough cover for significant losses.

3. Sum Insured
The total amount you’re insured for under your policy. It’s vital to get this figure right to avoid underinsurance.

4. Prevention of Access
This cover applies when property damage prevents you or your employees from accessing your premises. For example, flooding on nearby roads may block entry to your building.

Claims and Compensation Terms

When a claim occurs, these terms determine how and what you’ll be compensated for.

1. Indemnity
The principle of indemnity ensures the insurer restores you to your pre-loss position as much as possible. For example, if a fire damages your property, indemnity means covering repair costs.

2. Reinstatement Day One Non-Adjustable
This term relates to the initial cost of rebuilding or repairing property, including an agreed inflation buffer.

3. Subrogation
After paying a claim, the insurer can recover the costs by pursuing third-party liability. For example, if a faulty appliance caused a fire, the insurer may claim against the manufacturer.

4. Debris Removal Clause
This covers the costs of removing debris after an insured event, such as clearing up after a fire or storm damage.

Liability and Legal Terms

These terms outline protections for liability claims and legal issues.

1. Health & Safety at Work Defence Costs
This covers legal costs if you need to defend against breaches of health and safety regulations.

2. Indemnity to Principal
Extends cover to third parties, such as public or local authorities, when you are required to include them in your policy.

3. Conditions
These are the requirements you must meet for your insurance to remain valid:

• Conditions Precedent: You must meet these before cover applies.
• Conditions Subsequent: Failing these won’t stop a claim but could lead to damages.

Employee and Policyholder Terms

Understanding these terms ensures clarity about who is covered under your policy.

1. Definition of Employee
This includes contracted employees, self-employed workers, interns, subcontractors, and borrowed workers who perform tasks for your business.

2. Long Term Undertaking (LTU)
An agreement where insurers offer premium discounts if you commit to renewing your policy under existing terms for a set period.

3. Unoccupied Premises Warranty
This outlines conditions for securing vacant properties, such as regular inspections, to maintain cover.

Policy Additions and Extensions

These terms explain optional cover and policy enhancements.

1. Capital Additions Clause
Covers new additions or alterations to your property, such as newly acquired buildings or upgraded office equipment.

2. Other Interests
Any third party, such as a mortgage lender, must declare their vested interest in the property to the insurer.

3. Warranty
This is a condition you must meet for cover to apply. Warranties can include maintaining alarm systems or securing doors and windows.

Why Understanding Insurance Terms Matters for You

By understanding these terms, you take control of your policy. You reduce the risk of underinsurance, know what your cover includes, and can avoid common pitfalls when making a claim. For example, if you didn’t know about the average clause, you could face significant financial shortfalls after a loss.

At Robison & Co, we believe clear explanations and expert advice empower you to make better decisions. Our team takes the time to guide you through your policy, ensuring it meets your needs and offers comprehensive protection.

Need Help Understanding Your Insurance Policy?

Insurance doesn’t have to be complicated. At Robison & Co, we’re here to help you navigate your cover, answer questions, and ensure you’re fully protected. Whether you’re reviewing your current policy or looking for bespoke insurance solutions, we’ll guide you every step of the way.

Ready to take the stress out of insurance? Contact us today

 

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