UK business tariffs: What you need to know after the latest US changes

UK businesses are facing fresh uncertainty following the US government’s decision to impose new tariffs. As of April 2025, a 10 percent tariff now applies to UK exports. In addition, a 25 percent global tariff on car imports has raised concern across several industries.

The government has responded by launching a consultation with UK businesses. While some retaliatory tariffs may follow, no official action has been confirmed yet.

These developments may affect both supply chains and customer pricing. So what can your business do to prepare?

Why the new US tariffs matter to UK businesses

The US is one of the UK’s largest trading partners. Changes in trade policy can therefore have real and immediate effects on business operations.

Some British exports may become less competitive in US markets. Others may face disrupted supply chains or cost increases. At the same time, global tariffs on vehicles have made it more expensive to import certain car parts and machinery.

Although the UK government is considering next steps, many businesses are still in the dark about what the final impact will be.

What this could mean for your business

While no one can predict the full outcome, now is the time to take stock. Rising costs, longer lead times, and price pressures may impact margins. For some, supplier relationships may need to change.

If your operations rely on importing goods from the US, your costs may rise. If you sell goods to American clients, demand may fall.

The effect of these tariffs will vary by sector. But without a plan, businesses risk being caught off guard.

What businesses can do now

Here are practical steps to help your business stay resilient:

1. Review your exposure to US trade

Check if any of your key suppliers or clients are based in the US. Understand how much of your revenue or costs depend on these trade routes.

2. Speak to suppliers and clients

Keep communication open. Ask suppliers how tariffs will affect pricing and delivery. Inform clients of any expected changes so they can plan ahead.

3. Explore new supply options

If the cost of US imports increases, look for alternative suppliers in other regions. This may help you manage prices more effectively.

4. Prepare for cost changes

Review your pricing strategy. If product costs rise, decide how much you can absorb and where you may need to adjust.

5. Review your business insurance

Trade disruptions can increase business risk. Now is a good time to check that your policies reflect the current climate. Delays, cancellations, or unexpected losses may not always be covered under basic plans.

At Robison & Co, we tailor insurance policies to meet your unique risks. Whether you rely on overseas suppliers or operate across multiple regions, we make sure your protection fits your needs.

Stay informed and stay ahead

Trade changes can evolve quickly. While the situation is still developing, your best defence is staying informed. By monitoring developments and taking action early, you give your business the best chance of adapting successfully.

We’re here to support you every step of the way.

If you’d like to review your insurance policy or talk through your risks, contact us using 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

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

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