The Business Insurance Bureau

We're all at our wit's end about Retail...

One shop or one thousand shops. It's all about overheads.

Will the 7 crushing costs of High Street Hell kill the Wit's End Clothing Company?

It’s tough being a shopkeeper, in a Nation of online shoppers…

Well, Black Friday, Cyber Monday, Christmas and the January Sales are well and truly over, taking Toys R Us and Maplin with them.

But will the retail meltdown take the Wit’s End Clothing Company with it too? Or maybe even you?

Yet another round of restructuring and store closures for some, and for others, store openings: trying to get the mix of ‘brick to click’ and ‘click to brick’ round the right way. Is the shop a billboard for the website or the website a billboard for the shop?

Retail Insurance The Business Insurance Bureau

Video didn't kill the radio star, in fact...

There are plenty of retailers out there who are doing just fine. Under the microscope we’d find they share one thing in common: they are overtly cost conscious – they kill overhead.

There’s maybe not much you can do about:

  • squeezed incomes
  • online shopping
  • rising business rates
  • pensions
  • exchange rates
  • the living wage
  • debt repayments…

But looking at the price tag, plainly the Wits’ End Clothing Company has got a problem with these costs…Maybe you have too? 

There are four GREAT INDISPUTABLY UGLY TRUTHS about business insurance

We can work wonders on one of your biggest costs – business insurance.  Firstly we recognise the four great, indisputably ugly truths about business insurance:

1.   Insurance companies dispute 50%*of all large claims from businesses.

2.  They do this for two reasons:

     a. breach of policy conditions (which you’ve never read or remembered)

     b. inadequate information disclosure (like if you forgot to tell them about the live entertainment)

3.   It takes on average three years to resolve a large disputed insurance claimǂ (if you can resolve it). Meanwhile, without cash flow, your business goes into administration.

4.  This is why 43%* of all businesses experiencing a disaster never recover – not because they have experienced a disaster, but because their insurance is a disaster!

0 %

large claims disputed


reasons this happens


years to resolve

0 %

businesses never recover

Let's make it cheaper, by doing it right

So, what’s the answer?

At the Business Insurance Bureau, we know that it’s not about how cheap you make it, but how you make it cheaper.

Bob the Broker’s business philosophy is called: Making it cheaper, by doing it right™

There is only one legitimate way to make your insurance cheaper: cutting down claims by controlling the risk.

That takes partnership, relationships, service commitment, expertise and ‘going the extra mile’.

No one else will provide this – a Risk Management Rebate Voucher worth up to £500.00† towards the cost of:

  • Cleaning Kitchen Extract Systems 
  • Fixed Electrical Testing 
  • PAT Testing 
  • Fire Risk Assessment 
  • Health & Safety Compliance 
  • Security Compliance 
  • ISO Accreditation 
  • and other risk improvement
Bob the Broker

How does it work?

The small print...

†Terms and conditions apply. Rebates are calculated based off your final premium amount and on receipt of legitimate certification that the work has been carried out. The £500 figure is based on a sample of 101 clients who received a rebate between 2016-2017.

*sources: business continuity institute/london chamber of commerce and industry ǂ July 2014 MacTavish

Let's make it cheaper, by doing it right

Not ready for a quote? Explore our related products

Public Liability

"I left the blow torch on for a moment and took the phone call..."

Business Interruption

"When the water came up to our knees we realised we might be a problem..."

Motor Fleet

"Well the driver thought the lorry would go under the bridge..."

Who are The Business Insurance Bureau?​

The Business Insurance Bureau is a niche specialist underwriter and commercial insurance broker, defying conventional categorisation, comprising of a small number of gifted individuals forming a collective intellectual giant.

We have developed our own unique range of quality insurance products, which has given the business a competitive advantage in several areas. Being in control of the entire process, from enquiry to policy issue, has allowed our business to deliver service levels hitherto unimaginable in this sector, or indeed for a business of its physical size.

We insure a spectacularly diverse clientele, similarly exclusive and excellent in their field, who rely on The Business Insurance Bureau to protect their assets, minimise their liabilities and secure their future.


Here's what our clients say about us...


Roll up, roll up! Read all about it...

The Business Insurance Bureau is famous for it’s simplification of the complex world of insurance. With corporate jargon galore, we believe that in order to run your business with peace of mind, you need simplistic and entertaining material when it comes the ‘boring but important’ things like business insurance. In order to help you along the way we have created many colourful and cheery leaflets to help you understand what risks your business can face and how we can help you reduce them.