Month: May 2026

Whether you’re baking cupcakes on weekends, freelancing as a graphic designer or running an Etsy shop, your side hustle is more than just a passion project – it’s a business. And like any business, it deserves protection. As an insurance broker, we’ve seen too many side hustlers overlook the risks that come with turning a hobby into income. Let’s fix that. 

Why insurance matters for your side hustle 

You might think, “It’s just a small gig – I don’t need insurance.” But here’s the truth: 

• Accidents happen: A client trips at your home studio. A product causes an allergic reaction. A data breach exposes customer info. 
• You could be liable: Even if you’re operating solo, you can be held legally responsible. 
• Your personal insurance may not cover it: Home or motor policies often exclude business-related claims. 

Types of insurance to consider 

Here’s a breakdown of cover options that can help to safeguard your side hustle: 

1. Public Liability Insurance: If your business interacts with the public – clients visiting your home, attending markets or events – this is highly recommended. It can cover injury or property damage claims. 
2. Professional Indemnity Insurance: Perfect for consultants, designers or anyone offering advice or services. It can help to protect you if a client claims your work caused them financial loss. 
3. Product Liability Insurance: Selling physical goods? This can cover you if your product causes harm or damage. 
4. Business Equipment Insurance: Your laptop, camera, baking tools – whatever you rely on – can be covered against theft, loss, or damage. 
5. Cyber Insurance: If you store customer data or take online payments, cyber cover can help with data breaches, hacks and digital threats. 
6. Income Protection: If illness or injury stops you from working, this cover can help replace lost income. 

Tips for getting the right cover 

• Be honest about your business activities: Insurers need accurate information on which to base your policy. 
• Keep records: Track income, expenses and customer interactions. It helps with claims and tax. 
• Review annually: As your side hustle grows, your cover may need to evolve too. 

Final thoughts 

Your side hustle is a reflection of your creativity, drive and ambition. Don’t let unexpected setbacks derail it. With the right insurance, you can focus on growing your business – knowing you’re protected. 

If you’re unsure where to start, reach out to QMT Commercial Insurance Brokers – we understand the unique needs of small and solo entrepreneurs. Let’s help you find cover today. 

Let’s be honest – insurance doesn’t always have the warmest reputation. For many, it conjures images of jargon-filled documents, endless phone queues and faceless corporations. But at QMT Commercial Insurance Brokers, we believe insurance can – and should – be more human. 

Because behind every policy is a person. Behind every claim is a story. And behind every business is a dream worth protecting. 

The rise of empathetic insurance 

The industry is evolving. Technology is streamlining processes, AI is enhancing risk assessment and data is driving smarter decisions. But amid all this innovation, one thing remains irreplaceable: the human touch. 

Recent insights show that empathy, transparency and trust are now just as important as price and cover [1] [2]. Customers want to feel heard, understood and supported – not just processed. 

How QMT Commercial stands out 

At QMT Commercial, we’ve built our reputation on a simple but powerful idea: professionalism doesn’t have to be cold. We bring: 

• Approachability: Whether you’re a driving instructor, fleet manager, courier or HGV operator, we speak your language – less corporate fluff, less confusing jargon. 
• Expertise with personality: Our team knows the ins and outs of commercial insurance, but we also know how to crack a smile. We’re serious about protection, but we don’t take ourselves too seriously. 
• Tailored advice: We listen, ask questions and source cover that fits your unique business – not just your industry. 
• A bit of banter: Insurance can be dry. We’re not. Expect a laugh, a story and maybe even a cheeky metaphor or two. 

Real support, not just sales 

We’re not here to sell you a policy and disappear. We’re here to guide you through renewals, changes and curveballs. Our clients know they can call us with a question, a concern or even a “just checking” – and get a real person who genuinely cares. 

Why it matters 

Human-centred insurance isn’t just nicer – it’s smarter. When brokers build relationships, they understand risks better. When clients feel comfortable, they share more. And when trust is mutual, cover becomes a partnership – not a transaction. 

Final thoughts 

So, can insurance be more human? Absolutely. At QMT Commercial Insurance Brokers, it already is. We’re proud to combine deep industry knowledge with a friendly, down-to-earth approach that makes our clients feel like more than just a policy number. 

Need cover? Let’s chat. We promise it’ll be helpful – and maybe even a little fun. 

Sources:   

1. https://businesscloud.co.uk/news/how-will-ai-transform-the-human-side-of-insurance/ 
2. https://www.forbes.com/councils/forbestechcouncil/2024/11/08/ai-will-make-insurance-human-again/ 

In today’s hyper-connected world, cyber threats are no longer reserved for large corporations. Small and medium-sized enterprises (SMEs) are also targeted by cybercriminals, often with devastating consequences. At QMT Commercial Insurance Brokers, we’re urging businesses to act now and make Cyber Cover part of their insurance strategy. 

Here’s what you need to know to protect your business in 2026 and beyond. 

Why SMEs are prime targets 

Cyber attacks on SMEs are still fairly common. Hackers know that smaller businesses often lack the advanced security infrastructure of larger firms, making them easier targets. In 2025 alone, high-profile breaches have disrupted major UK brands, but SMEs are just as vulnerable.  

Even if your business isn’t directly attacked, you can suffer losses through third-party breaches, supplier vulnerabilities or malware spread via shared platforms.  

What Cyber Insurance covers 

Cyber Insurance helps mitigate the financial fallout from incidents such as: 

• Data breaches and customer information leaks 
• Ransomware attacks and extortion demands 
• Business interruption due to system outages 
• Legal costs and regulatory fines 
• Reputation management and PR support 

Modern policies are evolving from reactive to proactive – offering continuous risk assessments and support throughout the policy term. 

Is Cyber Insurance tax-deductible? 

In most cases, Cyber Insurance premiums are considered a business expense and can be deducted from your taxable profits. However, it’s important to consult your accountant to ensure your policy is structured correctly for tax efficiency. 

What to look for in a policy 

When choosing Cyber Insurance, SMEs should consider: 

• Cover limits: Ensure they match your exposure 
• Incident response support: Look for 24/7 access to experts 
• Third-party liability: Especially if you handle client data 
• Compliance support: Help with GDPR and other regulations 
• Risk management tools: Some insurers offer training and monitoring 

Premiums are rising and underwriting is more rigorous – a broker will help you to compare price and cover levels to find a policy that balances protection with affordability.

Cyber Essentials and insurance 

In the UK, Cyber Essentials certification is increasingly expected by insurers. It demonstrates that your business has basic cyber hygiene in place – and may even help to reduce your premiums. 

How QMT Commercial can help 

At QMT Commercial Insurance Brokers, we help SMEs: 

• Assess their cyber risk exposure 
• Find policies that fit their budget and needs 
• Access tips and advice on staying ahead of evolving threats 

Final thoughts 

Cyber Insurance isn’t just a safety net, it’s a strategic asset. As digital threats grow, SMEs must be proactive in protecting their data, operations and reputation. With the right cover in place, you can face the future with confidence. 

Ready to review your cyber protection? Contact QMT Commercial Insurance Brokers today and let’s help secure your business together.