As we look forward to leaving the winter months behind us and welcoming the brighter days of spring, it’s the perfect time for businesses to put their plans and projects into action for the year ahead. It’s also an ideal moment to check whether your insurance accurately reflects your risks, assets and growth ambitions for the next 12 months.
At H&H Insurance Brokers, we see how quickly circumstances can change. New purchases, diversification plans, regulatory responsibilities and the day-to-day pressures of running a business can all impact your insurance cover. As 2026 unfolds, taking a proactive approach now could make all the difference.
Diversification: Has your policy kept up with your business?
Diversification has become a powerful way to build resilience, whether that’s through holiday cottages, campsites, farm shops, cafés, mobile food units, contracting services or events spaces. But every new activity, no matter how small, introduces new risks.
As you plan for 2026, consider:
- Public liability risks if customers or visitors are on site
- Products liability if you sell food, drink or goods
- Seasonal or temporary structures such as marquees or pods
- Cyber risks if you’re taking bookings or payments online
- Employer liability when hiring seasonal or casual staff
The rule of thumb is simple: if something changes in your business, it almost certainly changes your insurance.
Renewables: Opportunities for the year ahead
Whether you’re considering solar installations, biomass systems or anaerobic digesters, renewable energy can improve efficiency, reduce costs and strengthen long‑term resilience.
But renewables come with additional insurance considerations. Anaerobic digesters bring mechanical, environmental and business interruption risks. Solar installations require appropriate cover for panels, cabling and inverters, along with protection for lost income if electricity is exported to the grid.
It’s also important to factor in inspection, servicing and compliance obligations.
Reviewing your insurance at the same time as building renewables into your 2026 plans will help ensure your investments are properly protected and reduces the risk of gaps in cover.
Making insurance a priority for the year ahead
Insurance is often treated as a once‑a‑year admin task, but it should form part of your ongoing strategic planning, just like budgeting, staffing or asset investment.
Making insurance a priority helps you:
- Protect your hard‑earned assets
- Avoid underinsurance
- Stay compliant with legal and regulatory requirements
- Gain peace of mind that you can withstand unexpected events
- Strengthen your foundation for growth throughout 2026
Our role is to guide you through the process, ask the right questions and make sure your cover reflects your business as it is today, not how it looked a year ago. We take the time to understand how your business works and where it’s heading, highlighting any risks worth considering as you plan ahead.
Ultimately, we want you free to focus on running your business with confidence, knowing your insurance has you covered.
Contact Corinne Cooper on [email protected] or call the Northallerton office on 01609 710376.