A new report by the Federation of Small Business (FSB) has revealed that 8% of small businesses are trading without employers' liability

(EL) cover. The report is based on a survey of more than 1,000 small businesses conducted in June.

It found 25% of small businesses are still finding it "difficult or impossible" to secure cover, including those in low risk sectors such as retail.

And 20% of small businesses reported that their premiums had doubled this year.

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.

Topics