At a glance Buying cheaper off-the-shelf insurance solutions either direct from carriers or via aggregator sites may not provide small businesses with adequate protection for their individual needs As SMEs are becoming more complex, using brokers may help fulfil their insurance requirements Brokers may also plug gaps in cover for small businesses, as well as provide expert risk advice With SMEs increasingly tempted to shop online for their insurance needs in a bid to cut cost

At a glance As summer approaches, pub landlords will need to check outside furniture and fittings for damage to ensure their premises are fit for purpose. Storm damage to smoking shelters was one of the most common claims Zurich received over the winter. Any new activities or services for a pub – such as adding a temporary bouncy castle, barbeque or hosting a fireworks display – could have implications on their existing insurance. After such a wretched winter there will be n