What has the summer drought taught us about careful insurance planning for business?
This summer’s prolonged dry spell is more than a weather anomaly; it’s a commercial risk event unfolding across the UK. With large regions experiencing officially declared drought conditions and water being consumed faster than it can be replenished, the impact on businesses is becoming increasingly visible.
For B2B insurance brokers, this shift matters. Drought rarely appears as a standalone insured peril, yet it triggers a chain reaction of indirect losses: subsidence, wildfire ignition, supply‑chain disruption, water‑dependent business interruption, and secondary building damage when sudden rainfall hits dried‑out structures.
Your Second-Half Game Plan
The second half of the year is where B2B insurance brokers can create exceptional momentum. Q3 brings renewed energy after the summer slowdown, while Q4 becomes the battleground for retention, revenue protection and strategic growth. Brokers who treat July to December as a deliberate campaign, not just a continuation of business‑as‑usual, consistently outperform their peers. This is your window to tighten operations, deepen relationships and position your brokerage as indispensable going into next year.
Summer, School Holidays & Smarter Broking: Why This Season Matters More Than You Think
Summer arrives with a familiar rhythm: longer days, lighter moods, and the annual scramble to coordinate school holidays and family breaks. For SME B2B insurance brokers, this season isn’t just about juggling diaries, it’s a strategic window that can reshape how you engage clients, manage workloads, and prepare for the high‑intensity months ahead.
What SME Insurance Brokers Can Learn from the World Cup
Every four years, the world stops to watch something extraordinary: teams from every corner of the globe competing on the biggest stage in sport. The World Cup isn’t just about football - it’s about strategy, teamwork, resilience, leadership and seizing opportunity. And if you’re an SME insurance broker, there’s more in common with the World Cup than you might think.
Insurer Due Diligence: What “Good” Looks Like for Brokers in 2026
If there’s one topic the FCA keeps circling back to, it’s insurer due diligence. It’s not glamorous, it’s not exciting, and it’s definitely not the part of broking anyone brags about at conferences. But in 2026, it has become one of the clearest indicators of whether a broker is genuinely acting in the client’s best interests — and the FCA is paying close attention.
Why Smaller UK Broker Firms Can’t Afford to Ignore the Middle East Conflict
For many small and medium sized broker firms in the UK, the war in the Middle East can feel distant, important, yes, but not something that changes how you trade, advise clients, or negotiate renewals. Most clients don’t operate in conflict zones, don’t run international supply chains, and don’t buy political violence cover. So, it’s easy to assume the impact is limited.
But today’s insurance market is global, interconnected, and sensitive to geopolitical shocks. A conflict thousands of miles away can influence underwriting appetite, pricing, supply chain reliability, cyber exposure, and the economic pressures your clients face. And because brokers are often the closest advisors to their clients, you’re the ones who will feel these shifts first.
This is a small reminder of why the Middle East conflict matters to smaller broker firms and how it’s already shaping the conversations you’ll need to have with clients.
What CP25/37 Actually Means for Insurance Brokers (Without the Headache!)
If you’ve been keeping half an eye on FCA updates over the winter, you’ll know that December 2025 and January 2026 weren’t exactly bursting with insurance‑specific publications. Most of what came out was about crypto, listings, banking models, and sustainability disclosures — all interesting in their own way, but not exactly the stuff that keeps general insurance brokers awake at night.
But there was one publication that does matter: CP25/37 – Targeted Clarifications of Handbook Materials.
Q4 2025 - What Insurance Brokers Should Prioritise
The Financial Conduct Authority (FCA) has entered the final quarter of 2025 with a sharper focus on enforcement, consumer protection, and operational resilience. What does that mean for your brokerage?
Winter Insurance Risks: What Every Business Should Consider
As the winter months start to loom large, businesses face a seasonal surge in potential operational risks. What are the risks? What do you need to consider? How can your insurance broker help? How can Insurance Support Solutions help brokers?
A Letter about the Business Insurance Broker
In the day-to-day demands of running a business, insurance can often feel like a background function—important, yes, but rarely front of mind. Yet when it’s done well, insurance isn’t just a safety net; it’s a strategic business asset. And at the heart of that asset is the broker.
The Curious Life of a UK Insurance Broker: Quirks, Laughs, and the Occasional Existential Crisis
Being an insurance broker in the UK is a bit like being the backstage crew at a West End show. You’re not in the spotlight, but without you, the whole production could collapse under a rogue liability claim or a misfiled cyber breach.
Don’t forget the basics…it’s still a sales job!
Everyone who works in sales/customer relationship management has invested time in building a knowledge of the use of open, probing, closed questions to build an understanding of their customer’s needs, wants, plans and expectations.
So what is the link between great questions and sales sucess?
The Crucial Role of Claims Handling for Brokers
Insurance brokers play a crucial role in helping customers navigate complex policies, but many can fall short in keeping up with industry trends and customer insights - What areas do you need to research and how can you ensure that you stay informed, review the right kind of reports & data, analyse them and use the outputs to improve the customer’s buying experience?
Market and product data…got the time to be proactive?
Insurance brokers play a crucial role in helping customers navigate complex policies, but many can fall short in keeping up with industry trends and customer insights - What areas do you need to research and how can you ensure that you stay informed, review the right kind of reports & data, analyse them and use the outputs to improve the customer’s buying experience?
Customer feedback – the treasure trove of brilliant insights!
Customer feedback is a treasure trove of insights that can drive your business forward, fostering growth, loyalty and innovation. When you take the time to actively listen to your customers, they unlock opportunities that not only enhance your offerings but also build stronger relationships.
Unlocking Success: Why Your Business Needs the Right Partner
In today’s competitive market, every business is looking for that extra edge—the one thing that makes the difference between surviving and thriving. But here’s the truth: no business succeeds alone.
Karoshi – don’t die due to overwork!
Karoshi is a Japanese term that translates to 'death from overwork,' referring to the phenomenon where individuals suffer fatal health consequences due to excessive work hours and stress. In the last 12 months 2,900 deaths have been attributed to Karoshi…what a terrifying statistic!
What will be the main themes for the insurance industry in 2025?
This year will see a year of exciting change, innovation and the introduction of some new trends and factors which will impact on the everyday working life of Insurance Brokers. As they say on Gladiators…’are you ready!’
Consumer Duty – it is not going away any time soon!
This month (on 11th December 2024), the FCA issued its latest findings following the completion of a thematic review of the board reports of 180 regulated firms, of which 55 are noted as ‘smaller’ firms…this blog focuses on key findings in relation to those smaller firms.
Data protection – is your customer data being managed compliantly?
Is your customer data being handled compliantly?
It has now been over 40 years since Eric Howe became the first Data Protection Registrar in September 1984, based out of Manchester.
The Registrar was required to oversee the new Data Protection Act and to set up a register of data users and computer bureaux, which would later become the register of data controllers.
Fast forward to 2024 and The Information Commissioner's Office (ICO) has last month (October 2024) launched a new audit framework to assist businesses in assessing compliance with data protection laws. What does this mean?