Export companies are finding themselves uninsurable and forced to trade illegally, because of difficulty obtaining employers' liability (EL) cover.

The Federation of Small Businesses (FSB) has this week written to minister of state for work Nick Brown to express its concern over the difficulty in obtaining insurance for small businesses.

The letter highlights the effect the shortage is having on exporters.

It emphasises that the vast majority of businesses affected by the current insurance crisis have been in existence for a number of years and have excellent health and safety records. Most have not made claims against their insurance policies.

FSB national chairman John Emmins said the crisis was stifling the "dynamic" export sector. "In a recent survey of 18,000 FSB members, nearly a quarter of all training that took place in small firms was related to exporting," he said.

He added that the FSB was advising businesses without EL to cease trading immediately.

The 2025 Insurance Times Awards took place on the evening of Wednesday 3rd December in the iconic Great Room of London’s Grosvenor House.

Hosted by comedian and actor Tom Allen, 34 Gold, 23 Silver and 22 Bronze awards were handed out across an amazing 34 categories recognising brilliance and innovation right across the breadth of UK general insurance.
Many congratulations to all the worthy winners and as always, huge thanks to our sponsors for their support and our judges for their expertise.

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