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Cyber insurance for SMEs is more essential than ever

Cyber insurance for SMEs is more essential than ever

Cyber insurance for SMEs is more important than ever. As digital threats grow, small and medium businesses remain a primary target. Without the right protection, a single attack could lead to major financial loss, business disruption, and lasting reputational damage. But with the right cover and preparation, you can reduce these risks.

Let’s explore why cyber insurance matters and how to strengthen your business’s defences.

Why cyber insurance for SMEs is essential

Small businesses are often seen as easy targets by cybercriminals. They may lack the resources of larger firms, but the value of their data is just as high. One successful attack could result in data breaches, system shutdowns, and regulatory fines.

A tailored cyber insurance policy offers support when you need it most. It can cover recovery costs, customer notifications, business interruption, and legal expenses. But most importantly, it helps your business bounce back quickly.

Strong cyber protection isn’t just about cover—it’s about preparation.

Understanding cyber risks facing SMEs person adding authentication password layers to prevent scammers

Cyber threats have evolved. Today’s risks are more complex and more costly. For SMEs, the most common threats include:

  • Phishing attacks tricking staff into sharing login details

  • Ransomware that locks files and demands payment

  • Data breaches that expose sensitive customer information

These risks aren’t limited to large corporations. In fact, smaller businesses may be more vulnerable due to limited cybersecurity resources.

That’s why it’s vital to assess your risks and take action early.

Why off-the-shelf policies are not enough

Many SME owners rely on generic policies that offer little real protection. These policies often exclude key areas such as ransomware recovery or legal liability. That means you could still face high costs after an attack.

A bespoke cyber policy makes all the difference. It is built around your business’s specific risks, industry, and digital exposure. This gives you cover that truly reflects your day-to-day operations.

How to strengthen cyber resilience before a breach

A strong cyber insurance policy is only part of the solution. Preventing attacks in the first place is just as important. That starts with good risk management.

Here are some practical ways to boost your resilience:

  • Train employees to spot suspicious emails and scams

  • Use strong passwords and two-factor authentication

  • Keep systems updated and patched against known threats

  • Back up data regularly to reduce downtime after an attack

  • Appoint a clear response team in case of a breach

The more steps you take now, the easier it is to recover later.

What cyber insurance for SMEs should include:

Not all policies are the same. To protect your business, make sure your cover includes:

  • Data breach response, including forensic investigation and legal support

  • Business interruption cover to help with lost income

  • Crisis communication to protect your brand and inform customers

  • Ransomware support, including negotiations and recovery costs

  • Third-party liability for customer claims or regulatory fines

If your policy misses any of these, it may be time to review your cover.

How Robison & Co supports SME cyber security

At Robison & Co, we understand the unique risks facing SMEs. Cyberattacks don’t just affect systems—they affect livelihoods. That’s why we provide tailored cover that supports your full recovery.

Our expert team helps you by:

  • Finding bespoke cyber insurance for SMEs based on your business needs

  • Offering risk advice to reduce exposure before claims occur

  • Supporting you with quick, informed action if a breach takes place

Cybercrime is a growing threat, but the right cover makes a big difference. With Robison & Co, your business is never left to face it alone.

Get in touch today

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

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Health and safety at work: What every business must know

Health and safety at work: What every business must know

Health and safety are at the heart of protecting businesses and employees. Today, on National Health and Safety at Work Day, it’s vital to reflect on what steps we take to keep workplaces safe. Without strong policies, companies risk fines, accidents, and reputational damage. Let’s explore how to strengthen your approach to health and safety and protect your workforce.

Why health and safety policies are essential

A strong health and safety culture helps businesses build trust and resilience. When you protect your team, you also protect your operations, finances, and reputation. In the event of emergencies, the right actions can even save lives. However, maintaining compliance is not just about legal requirements. It shows that you value your employees’ wellbeing every day.

This is particularly important for growing businesses. When your team feels safe, they are more likely to stay, perform better, and contribute to your success.

Health and safety and fire extinguisher readiness

One overlooked area of health and safety is fire extinguisher use. Many businesses invest in extinguishers but fail to train staff properly. During a fire, knowing how to react can prevent costly damage and injuries.

It is important to:

  • Recognise different types of extinguishers, such as Class A for wood and paper or Class E for electrical fires.

  • Understand that using the wrong extinguisher could worsen the situation.

  • Follow the simple PASS method: Pull, Aim, Squeeze, Sweep.

Training your team ensures they are ready to act if needed. Still, if a fire becomes dangerous, evacuation must be the priority. Lives should always come first.

Health and safety during workplace medical emergencies

Medical emergencies can happen at any time. Therefore, businesses must ensure their teams are ready to respond calmly and correctly.

Important first actions include:

  • Calling 999 immediately for professional support.

  • Providing first aid only if you are trained to do so.

  • Avoiding unnecessary movement of injured employees to prevent harm.

Different emergencies require different responses. For seizures, employees should be rolled onto their side and hazardous objects removed. For bleeding, apply pressure without removing blood-soaked cloths. During a heart attack, keeping the employee calm and seated can make a difference. Quick, informed action can save lives.

Health and safety and maintaining a safe workplace

Keeping a safe workplace is a continuous effort. Health and safety training is not a one-off activity. Businesses must review safety procedures regularly, keeping them up-to-date and relevant.

Here are some essential tips:

  • Update fire extinguisher training every year.

  • Offer refresher first aid courses to staff.

  • Regularly test emergency equipment and evacuation procedures.

  • Encourage a culture where employees report hazards early.

Maintaining clear policies also demonstrates to insurers that you are a low-risk business. This can support better insurance terms and protect you financially if a claim arises.

How Robison & Co supports your health and safety efforts

At Robison & Co, we understand how important health and safety are to business success. Strong safety procedures protect your people, but they also safeguard your future. Our bespoke insurance solutions are designed to work alongside your internal policies to give you full peace of mind.

We help you by:

  • Offering tailored business insurance that reflects your real risks.

  • Providing risk management advice to improve workplace safety.

  • Supporting policyholders with claims when accidents happen.

Your business deserves protection that works as hard as you do. That is why, at Robison & Co, we are by your side, helping you prepare for whatever the future holds.

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

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.

  1. 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.

  1. 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.

  1. 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.

  1. 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

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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