Bionic

10/09/2026

Most businesses pay 20% VAT on gas and electricity. But some pay just 5% — or even 0% soon.

Here’s the thing: your supplier won’t apply the discount automatically. You have to ask.

✅ Charities
✅ Low energy users
✅ Home-based businesses #
If that’s you, you could be owed money — you can claim back up to 4 years of overpaid VAT.
We know tax stuff is a drag. But sorting it means more cash staying in your business, where it belongs.

With Bionic, you can compare energy deals and get expert help understanding what you’re really paying — VAT included.

🔍 search BUSINESS ENERGY VAT BIONIC for more info

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04/09/2026

📧 Issue #139 of should have hit your inbox by now with tips on how to prepare for winter before the heating goes on.

Issue #138 looked at how much the heatwaves may have cost the UK economy.

🍂 It feels a bit mad talking about heatwaves, as autumn has well and truly kicked in today, but if there's one thing that moves fast in this country, it's the weather.

Not subscribed? Get involved for news, tips, words, podcasts, playlists, and more

🔗 Go to https://thebackbone.substack.com/ and sign up to get it straight to your inbox every other Friday at 7am

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26/08/2026

Heads up: the energy price cap is rising again from 1 October.

But here's what a lot of business owners don't realise - the cap only covers domestic energy. It has zero effect on your business energy bills.

If you're out of contract, nothing is stopping your supplier from charging you more.

The fix is simple. Lock in a direct contract instead. The average Bionic customer saves 35% by signing a direct contract with Bionic versus going out of contract.

Coming to the end of your current contract? Compare and lock in your next rate before it runs out.

The price cap can't save your business. But Bionic can.

Compare quotes at Bionic.co.uk and get support with the switch.
🔗 https://bionic.co.uk/business-energy/guides/price-cap/

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26/08/2026

📈 The energy price cap is going up again.
From 1 October, it rises by about 4%.
But remember. It’s a domestic cap and it doesn’t touch your business energy bills.
If you’re out of contract, you could be overpaying right now.
The good news? If you’re out of contract, you can switch straight away. And Bionic customers save an average of 35% by locking in a direct contract instead of drifting on out-of-contract rates.
You’ve got a business to run. Let us sort the energy stuff.
Compare quotes today.
🔍 BIONIC BUSINESS ENERGY PRICE CAP
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25/08/2026

Insurance renewal coming up? Here's what to check before you let it auto-renew.

Most business insurance rolls over automatically, which means you don't have to do anything. But that convenience has a catch — you could end up overpaying, or carrying cover that no longer fits your business.

A lot can change in a year. New staff, new equipment, more stock, a bigger premises. If your cover hasn't kept pace, you might be underinsured without realising it.

Our advice? Start reviewing your policy at least 60 days before renewal. Compare a few quotes. And don't just chase the cheapest price — check what's actually covered, the limits, and the exclusions.

If you do switch providers, make sure your new policy starts before the old one ends. Even one day without employers' liability insurance can mean a £2,500 fine.

With Bionic, our brokers compare quotes from trusted insurers, so you can renew with confidence, not guesswork.

Read the full guide using the link below.
https://bionic.co.uk/business-insurance/guides/top-things-to-consider-when-renewing-business-insurance/

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Business insurance up for renewal? Learn how to renew your insurance now. Compare quotes and avoid gaps in protection with our complete UK renewal guide.

25/08/2026

Quick question: do you actually need public liability insurance?

Here's the short answer — it's not a legal requirement for most UK businesses. But if your business interacts with customers, clients or the public in any way, it's worth having.

Think about it: a customer slips on a wet floor in your shop, or a tradesperson accidentally damages a client's property while working on-site. Without cover, a claim like that could cost your business thousands in compensation and legal fees.

UK insurers pay out around £22 million every single day across business insurance claims, which shows just how often these things happen.

If you run a shop, work on client sites, attend markets, or meet people face-to-face for your work, it's worth checking whether you're covered.

With Bionic, you can compare public liability insurance quotes from trusted insurers and find the right level of cover for your business.

Read the full guide using the link below.
https://bionic.co.uk/business-insurance/guides/cover-types/do-i-need-public-liability-insurance/

25/08/2026

The energy price cap announcement for winter is due tomorrow - and it's expected to rise again!

But remember - there's no price cap on business energy!

Here's all you need to know about the price cap - including historic rates, why there is no business energy price cap, and more.

🔗 https://bionic.co.uk/business-energy/guides/price-cap/
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25/08/2026

Quick question: do you know where to find your MPAN or MPRN number?

If you've ever tried to switch business energy, you'll have been asked for one (or both). They're just reference numbers that identify your electricity and gas meters. Simple once you know where to look.

Your MPAN is a 21-digit number on your electricity bill. Your MPRN is usually printed right on your gas meter. And if you can't find either? There are ways to look them up without a bill in hand.

We've put together a clear, jargon-free guide to help you find both numbers fast, understand what they mean, and get on with switching your business energy.

With Bionic, you get real people cutting through the confusing bits so you can save time and money.

Read the full guide using the link below
https://bionic.co.uk/business-energy/guides/mpan-mprn-numbers/

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25/08/2026

Quick check: do you have a written health and safety policy for your business?

If you employ 5 or more people, it's a legal requirement under the Health and Safety at Work Act. And it's worth getting right — work-related ill health has just hit its highest level on record.

Your policy needs to cover risk assessments, PPE, staff training, and clear procedures for reporting hazards. In 2025/26, it should also stretch to remote workers, covering things like home office setups and mental health.

Get it wrong, and you could face fines, investigations, or even prosecution in serious cases.

We've put together a clear guide covering exactly what's required, who's responsible for what, and how to keep your business protected.

With Bionic, you can also find the right business insurance to back up your safety measures.

Read the full guide using the link below 👇
https://bionic.co.uk/business-insurance/guides/health-and-safety-at-work/

Learn about the latest UK legal requirements for health and safety and how to implement the correct health and safety procedures to protect everyone in your workplace.

18/08/2026

Thinking about switching your business energy supplier before your contract ends? You're not alone - it's one of the questions we get asked most.

Sometimes you can without penalty. Other times it can be trickier. If you can exit early, fees usually apply, since suppliers buy your energy in advance based on your expected usage.

There are a few exceptions worth knowing about, like moving premises, break clauses, or your supplier going bust. But most businesses need to wait for their renewal window, which can be up to 12 months before your contract ends. No fees. More choice. Less hassle.

We've broken down everything you need to know, including the common mistakes to avoid.

Read the full guide and get a quote 👉 https://bionic.co.uk/business-energy/guides/switching-contracts/can-you-switch-business-energy-contracts-early/

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