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To: "" <admin@sarahharvey.com>
Message-ID: <A7.21.16312.389DD5A6@i-0ed925b9e69ce275e.mta1vrest.sd.prd.sparkpost>
Date: Mon, 20 Jul 2026 08:17:07 +0000
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Reply-To: enquiries@bateman-group.co.uk
From: "The Bateman Group" <enquiries@bateman-group.co.uk>
Subject: News from The Bateman Group
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y's newsletter from The Bateman Group -&nbsp; experienced insurance brokers=
 helping businesses, families & individuals since 1967.</p></div></div></td=
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in-top:0;margin-bottom:0;mso-line-height-alt:28px">SMEs and Underinsurance:=
 The Hidden Risk Destroying Business Resilience</h1></td></tr></table><tabl=
e class=3D"paragraph_block block-3" width=3D"100%" border=3D"0" cellpadding=
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ll and medium-sized enterprises are making a dangerous gamble. Facing mount=
ing costs and economic uncertainty, many are cutting back on&nbsp;business =
insurance&nbsp;or dropping coverage altogether. Yet new research from Premi=
um Credit shows that 42% of SMEs believe their level of underinsurance will=
 increase in the year ahead, with&nbsp;40% reporting that underinsurance al=
ready increased in the past 12 months.</p></div></td></tr></table><table cl=
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anyapqadaabvaazaaliamuadsabvabsqayiaguadeabvaawqazaamuadeabqaawqanaag4admad=
eaawqaoiamqagiabvaawqanyageadmabzaa2qamqamiadsabvaazaamaameahyabqaa2qaoiafu=
adaabzaazaayqagmadmabwaazaaliamuagiadbaa4aaliagqadeabxaa4qaliahaadqabwabsaa=
liameadiabwabsqazaagmadoabvabqqazqamiagiad4aayaamaageac2abwaazaanaaguadkabz=
abtaazqafuaggadgaayqayiafuadiadbaa4aayqafuageadcaayqayqafuadiabtabrqamaagqa=
dmabxaa2qaoaageaggabrab6aayyagiadiabzaazqanqammadcabnabraaniageagmabnaa2aan=
yameadkabnabqqanyammagcabnaa3aanyaheadkadbabraanqamqadeabyabqqayqapqaecad4a=
a=3D=3D=3D=3D=3D=3D" target=3D"_blank"><img =0Asrc=3D"https://inboxguru.s3.=
amazonaws.com/001-624559ff-cf1a-4a8b-bb1b-43c0467581c1/Bateman%20Group%20Ne=
wsletter%20Images%2024_3.png" style=3D"display:block;height:auto;border:0;w=
idth:100%" width=3D"600" alt=3D"" title=3D"" height=3D"auto"></a></div></td=
></tr></table><table class=3D"heading_block block-7" width=3D"100%" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"m=
so-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad" style=3D"width:=
100%;padding-top:10px" align=3D"center"><h1 =0Astyle=3D"margin:0;color:#555=
;direction:ltr;font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-s=
ize:23px;font-weight:700;letter-spacing:normal;line-height:1.2;text-align:c=
enter;margin-top:0;margin-bottom:0;mso-line-height-alt:28px">Supply Chain D=
isruptions: Insuring Against the Unexpected</h1></td></tr></table><table cl=
ass=3D"paragraph_block block-8" width=3D"100%" border=3D"0" cellpadding=3D"=
10" cellspacing=3D"0" role=3D"presentation" =0Astyle=3D"mso-table-lspace:0;=
mso-table-rspace:0;word-break:break-word"><tr><td class=3D"pad"><div style=
=3D"color:#000;direction:ltr;font-family:Arial,Helvetica Neue,Helvetica,san=
s-serif;font-size:14px;font-weight:400;letter-spacing:0;line-height:1.2;tex=
t-align:center;mso-line-height-alt:17px"><p style=3D"margin:0;margin-bottom=
:16px">=0ASupply chain disruptions =E2=80=93 the three words no business ow=
ner wants to hear! Unfortunately, disruptions outside of our control can ha=
ve huge consequences for businesses resulting in financial losses, dissatis=
fied customers, and business interruptions.</p><p style=3D"margin:0">So, wh=
at can you do to protect yourself from supply chain issues=3F&nbsp;</p></di=
v></td></tr></table><table class=3D"button_block block-9" width=3D"100%" bo=
rder=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" =0Ast=
yle=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad" align=
=3D"center"><a href=3D"https://clickeu.actmkt.com/s2/001-624559ff-cf1a-4a8b=
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hgadbabzaayianaagqadbabzaa5qamuahsaboabrqa3yanuahyabuab6aamyammadsabxabrqan=
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a4qayyagmagcabsaa3qanyapqadaabvaazaaliamuadsabvabsqayiaguadeabvaawqazaamuad=
eabqaawqanaag4admadeaawqaoiamqagiabvaawqanyageadmabzaa2qamqamiadsabvaazaama=
ameahyabqaa2qaoiafuadaabzaazaayqagmadmabwaazaaliamuagiadbaa4aaliagqadeabxaa=
4qaliahaadqabwabsaaliameadiabwabsqazaagmadoabvabqqazqamiagiad4aayaamaageac2=
abwaazaanaaguadkabzabtaazqafuaggadgaayqayiafuadiadbaa4aayqafuageadcaayqayqa=
fuadiabtabrqamaagqadmabxaa2qaoaageaggabrab6aayyagiadiabzaazqanqammadcabnabr=
aaniageagmabnaa2aanyameadkabnabqqanyammagcabnaa3aanyaheadkadbabraanqamqadea=
byabqqayqapqaecad4aa=3D=3D=3D=3D=3D=3D" target=3D"_blank" style=3D"color:#f=
fffff;text-decoration:none;"><!--[if mso]>=0A<v:roundrect xmlns:v=3D"urn:sc=
hemas-microsoft-com:vml" xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
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absaaliameadiabwabsqazaagmadoabvabqqazqamiagiad4aayaamaageac2abwaazaanaagua=
dkabzabtaazqafuaggadgaayqayiafuadiadbaa4aayqafuageadcaayqayqafuadiabtabrqam=
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a2aanyameadkabnabqqanyammagcabnaa3aanyaheadkadbabraanqamqadeabyabqqayqapqae=
cad4aa=3D=3D=3D=3D=3D=3D"  style=3D"height:42px;width:132px;v-text-anchor:m=
iddle;" arcsize=3D"31%" fillcolor=3D"#00529b">=0A<v:stroke dashstyle=3D"Sol=
id" weight=3D"0px" color=3D"#00529b"/>=0A<w:anchorlock/>=0A<v:textbox inset=
=3D"0px,0px,0px,0px">=0A<center dir=3D"false" style=3D"color:#ffffff;font-f=
amily:sans-serif;font-size:16px">=0A<![endif]-->=0A<span class=3D"button" s=
tyle=3D"background-color: #00529b; border-bottom: 0px solid transparent; bo=
rder-left: 0px solid transparent; border-radius: 13px; border-right: 0px so=
lid transparent; border-top: 0px solid transparent; color: #ffffff; display=
: inline-block; font-family: Arial, Helvetica Neue, Helvetica, sans-serif; =
font-size: 16px; font-weight: 400; mso-border-alt: none; text-align: center=
; width: auto; word-break: keep-all; letter-spacing: normal;"><span class=
=3D"btn-pad" style=3D"word-break: break-word; padding-left: 20px; padding-r=
ight: 20px; padding-top: 5px; padding-bottom: 5px; display: block;"><span s=
tyle=3D"word-break: break-word; line-height: 32px;"><strong>Read Article</s=
trong></span></span></span>=0A<!--[if mso]></center></v:textbox></v:roundre=
ct><![endif]--></a></td></tr></table><table class=3D"image_block block-10" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pre=
sentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D=
"pad" style=3D"width:100%" align=3D"center"><div style=3D"max-width:600px">=
<a href=3D"https://clickeu.actmkt.com/s2/001-624559ff-cf1a-4a8b-bb1b-43c046=
7581c1/055-d81dd570-1323-4fd0-870d-e450b00568a4=3Fenr=3Dnaahiaduabyaa4yahia=
c6abpab3qa5yao4ac4adcabqqa5aamuag2adbabxaaliam4aheadpab2qa4aafyaggadpaaxaa5=
ianmac6adtabqqa3aameaheadzaawqa4yameaggadsabuqazqaneaggadfaawqa5ianyagiadfa=
bzaaliaoqagqadsabsqayiaoqac2aduabuaaziafuadeabqaayaamaafuag4adjaawqayyameah=
aabnabrqa3yanuagsadoabtqaliagiadaabsaa4qalyapqagcadeabwqa2ianyaeaadtabqqa4q=
ameagqadiabqqa4qaoyagkadzaaxaayyan4ag2ad4aa3aa7aagmaggabzaa3qayyaguadsadfaa=
wqazqaguadiabvaawqanaamiadaadfaawqayqamiagkabqaawqayqagiagkabwabrqaoiammadg=
adbaazaanyag4ahyabqaa2qamqafuagkabzaa2qaziameadkabsaa2qaliamqagkabsaayaalia=
gqadoabwabsaaliaheagiadeaa2qaliag4adcabwaa4qaniagiageabzaa2qamqagaagcad4aay=
aaniaheac2abqaa4qamqamiadgabwaa3aamqafuagkadeabqqaoaafuadiabsaa3qaoiafuadqa=
byaa3aazaafuagcabuaa3aaziamqadgabxaa2qayiamyageadeab6aamaagaadcabnaa3aamqag=
qadkabvaa4qazqamyac2addabtaamiameac2abuabqqaoaamiac2adcabraamiamiac2abuaazq=
ayyagaadiabwaa3qaniahaadcaddaayqa7aammadeabuaa4qamyagyaggabraawqayqaguadcad=
gaawqanaag4agcabvaawqayiag4aggadbaawqanqag4adsabvabqqayqagyagiabsaa4aayiami=
ahyacbab6aa=3D=3D=3D" target=3D"_blank"><img =0Asrc=3D"https://inboxguru.s3=
.amazonaws.com/001-624559ff-cf1a-4a8b-bb1b-43c0467581c1/Bateman%20Group%20=
Newsletter%20Images%2024%20%281%29_19.png" style=3D"display:block;height:au=
to;border:0;width:100%" width=3D"600" alt=3D"" title=3D"" height=3D"auto"><=
/a></div></td></tr></table><table class=3D"heading_block block-11" width=3D=
"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentatio=
n" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad" st=
yle=3D"width:100%;padding-top:10px" align=3D"center"><h1=0A style=3D"margin=
:0;color:#555;direction:ltr;font-family:Arial,Helvetica Neue,Helvetica,sans=
-serif;font-size:23px;font-weight:700;letter-spacing:normal;line-height:1.2=
;text-align:center;margin-top:0;margin-bottom:0;mso-line-height-alt:28px"><=
span class=3D"tinyMce-placeholder" style=3D"word-break: break-word;">Salary=
 Sacrifice Under Threat: The =C2=A32,000 NI Cap Coming 2029</span></h1></td=
></tr></table><table class=3D"paragraph_block block-12" width=3D"100%" bord=
er=3D"0" cellpadding=3D"10" cellspacing=3D"0" =0Arole=3D"presentation" styl=
e=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><tr><td c=
lass=3D"pad"><div style=3D"color:#000;direction:ltr;font-family:Arial,Helve=
tica Neue,Helvetica,sans-serif;font-size:14px;font-weight:400;letter-spacin=
g:0;line-height:1.2;text-align:center;mso-line-height-alt:17px"><p style=3D=
"margin:0;margin-bottom:16px">=0AFor employers seeking to offer tax-efficie=
nt pension benefits, significant changes are coming in April 2029. The gove=
rnment=E2=80=99s National Insurance Contributions cap on&nbsp;<a href=3D"ht=
tps://clickeu.actmkt.com/s2/001-624559ff-cf1a-4a8b-bb1b-43c0467581c1/055-d8=
1dd570-1323-4fd0-870d-e450b00568a4=3Fenr=3Dnaahiaduabyaa4yahiac6abpab3qa5ya=
o4ac4adcabqqa5aamuag2adbabxaaliam4aheadpab2qa4aafyaggadpaaxaa5ianmac6adqabs=
qa3qaomagsadpabxaaliaomagkadsab3aa2iammagkadtaaxqa7aameagiadnabuqa3qaiaahga=
dbabzaayianaagqadbabzaa5qamuahsaboabrqa3yanuahyabxab6aamyammadsabxabrqaniah=
eagkabnabtaaniagqadkabnaa2aayqagaagkabnabraayqamuadaabnabraamqamuadmaddaa4q=
ayyagmagcabsaa3qanyapqadaabvaazaaliamuadsabvabsqayiaguadeabvaawqazaamuadeab=
qaawqanaag4admadeaawqaoiamqagiabvaawqanyageadmabzaa2qamqamiadsabvaazaamaame=
ahyabqaa2qaoiafuadaabzaazaayqagmadmabwaazaaliamuagiadbaa4aaliagqadeabxaa4qa=
liahaadqabwabsaaliameadiabwabsqazaagmadoabvabqqazqamiagiad4aayaamaageac2abw=
aazaanaaguadkabzabtaazqafuaggadgaayqayiafuadiadbaa4aayqafuageadcaayqayqafua=
diabtabrqamaagqadmabxaa2qaoaageaggabrab6aayyagiadiabzaazqanqammadcabnabraan=
iageagmabnaa2aanyameadkabnabqqanyammagcabnaa3aanyaheadkadbabraanqamqadeabya=
bqqayqapqaecad4aa=3D=3D=3D=3D=3D=3D" style=3D"text-decoration: underline; c=
olor: #0068a5;">salary sacrifice pension contributions</a>&nbsp;will limit =
employees to contributing just =C2=A32,000 annually without triggering Nati=
onal Insurance charges =E2=80=93 a decision that could fundamentally reshap=
e how UK businesses structure employee benefits.=0A</p><p style=3D"margin:0=
">This isn=E2=80=99t a distant concern. With less than three years to prepa=
re, now is the time for forward planning.</p></div></td></tr></table><table=
 class=3D"button_block block-13" width=3D"100%" border=3D"0" cellpadding=3D=
"10" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;ms=
o-table-rspace:0"><tr><td class=3D"pad" align=3D"center"><a href=3D"https:/=
/clickeu.actmkt.com/s2/001-624559ff-cf1a-4a8b-bb1b-43c0467581c1/055-d81dd57=
0-1323-4fd0-870d-e450b00568a4=3Fenr=3Dnaahiaduabyaa4yahiac6abpab3qa5yao4ac4=
adcabqqa5aamuag2adbabxaaliam4aheadpab2qa4aafyaggadpaaxaa5ianmac6adtabqqa3aa=
meaheadzaawqa4yameaggadsabuqazqaneaggadfaawqa5ianyagiadfabzaaliaoqagqadsabs=
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anaamiadaadfaawqayqamiagkabqaawqayqagiagkabwabrqaoiammadgadbaazaanyag4ahyab=
qaa2qamqafuagkabzaa2qaziameadkabsaa2qaliamqagkabsaayaaliagqadoabwabsaaliahe=
agiadeaa2qaliag4adcabwaa4qaniagiageabzaa2qamqagaagcad4aayaaniaheac2abqaa4qa=
mqamiadgabwaa3aamqafuagkadeabqqaoaafuadiabsaa3qaoiafuadqabyaa3aazaafuagcabu=
aa3aaziamqadgabxaa2qayiamyageadeab6aamaagaadcabnaa3aamqagqadkabvaa4qazqamya=
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iahaadcaddaayqa7aammadeabuaa4qamyagyaggabraawqayqaguadcadgaawqanaag4agcabva=
awqayiag4aggadbaawqanqag4adsabvabqqayqagyagiabsaa4aayiamiahyacbab6aa=3D=3D=
=3D" target=3D"_blank" style=3D"color:#ffffff;text-decoration:none;"><!--[i=
f mso]>=0A<v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:w=3D=
"urn:schemas-microsoft-com:office:word"  href=3D"https://clickeu.actmkt.com=
/s2/001-624559ff-cf1a-4a8b-bb1b-43c0467581c1/055-d81dd570-1323-4fd0-870d-e4=
50b00568a4=3Fenr=3Dnaahiaduabyaa4yahiac6abpab3qa5yao4ac4adcabqqa5aamuag2adb=
abxaaliam4aheadpab2qa4aafyaggadpaaxaa5ianmac6adtabqqa3aameaheadzaawqa4yamea=
ggadsabuqazqaneaggadfaawqa5ianyagiadfabzaaliaoqagqadsabsqayiaoqac2aduabuaaz=
iafuadeabqaayaamaafuag4adjaawqayyameahaabnabrqa3yanuagsadoabtqaliagiadaabsa=
a4qalyapqagcadeabwqa2ianyaeaadtabqqa4qameagqadiabqqa4qaoyagkadzaaxaayyan4ag=
2ad4aa4qa7aagmaggabzaa3qayyaguadsadfaawqazqaguadiabvaawqanaamiadaadfaawqayq=
amiagkabqaawqayqagiagkabwabrqaoiammadgadbaazaanyag4ahyabqaa2qamqafuagkabzaa=
2qaziameadkabsaa2qaliamqagkabsaayaaliagqadoabwabsaaliaheagiadeaa2qaliag4adc=
abwaa4qaniagiageabzaa2qamqagaagcad4aayaaniaheac2abqaa4qamqamiadgabwaa3aamqa=
fuagkadeabqqaoaafuadiabsaa3qaoiafuadqabyaa3aazaafuagcabuaa3aaziamqadgabxaa2=
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buabqqaoaamiac2adcabraamiamiac2abuaazqayyagaadiabwaa3qaniahaadcaddaayqa7aam=
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anqag4adsabvabqqayqagyagiabsaa4aayiamiahyacbab6aa=3D=3D=3D"  style=3D"heigh=
t:42px;width:132px;v-text-anchor:middle;" arcsize=3D"31%" fillcolor=3D"#005=
29b">=0A<v:stroke dashstyle=3D"Solid" weight=3D"0px" color=3D"#00529b"/>=0A=
<w:anchorlock/>=0A<v:textbox inset=3D"0px,0px,0px,0px">=0A<center dir=3D"fa=
lse" style=3D"color:#ffffff;font-family:sans-serif;font-size:16px">=0A<![en=
dif]-->=0A<span class=3D"button" style=3D"background-color: #00529b; border=
-bottom: 0px solid transparent; border-left: 0px solid transparent; border-=
radius: 13px; border-right: 0px solid transparent; border-top: 0px solid tr=
ansparent; color: #ffffff; display: inline-block; font-family: Arial, Helve=
tica Neue, Helvetica, sans-serif; font-size: 16px; font-weight: 400; mso-bo=
rder-alt: none; text-align: center; width: auto; word-break: keep-all; lett=
er-spacing: normal;"><span class=3D"btn-pad" style=3D"word-break: break-wor=
d; padding-left: 20px; padding-right: 20px; padding-top: 5px; padding-botto=
m: 5px; display: block;"><span style=3D"word-break: break-word; line-height=
: 32px;"><strong>Read Article</strong></span></span></span>=0A<!--[if mso]>=
</center></v:textbox></v:roundrect><![endif]--></a></td></tr></table><table=
 class=3D"divider_block block-14" width=3D"100%" border=3D"0" cellpadding=
=3D"10" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0=
;mso-table-rspace:0"><tr><td class=3D"pad" align=3D"center"><table border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"1=
00%" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"divid=
er_inner" =0Astyle=3D"font-size:1px;line-height:1px;border-top:1px solid #b=
bb"><span style=3D"word-break: break-word;">&#8202;</span></td></tr></table=
></td></tr></table><table class=3D"text_block block-15" width=3D"100%" bord=
er=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D=
"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><tr><td class=
=3D"pad" style=3D"padding-top:10px;padding-bottom:20px;padding-left:5px;pad=
ding-right:5px"><div style=3D"font-family:sans-serif"><div class =0Astyle=
=3D"font-size:12px;font-family:Arial,Helvetica Neue,Helvetica,sans-serif;ms=
o-line-height-alt:14.399999999999999px;color:#555;line-height:1.2"><p style=
=3D"margin:0;font-size:14px;text-align:center;mso-line-height-alt:16.8px"><=
span style=3D"word-break: break-word; font-size: 14px;">For advice on any o=
f the topics covered in this newsletter speak to our experts by calling </s=
pan></p><p style=3D"margin:0;font-size:14px;text-align:center;mso-line-heig=
ht-alt:16.8px">=0A<span style=3D"word-break: break-word; font-size: 14px;">=
0800 731 6689 or email us <a href=3D"mailto:enquiries@bateman-group.co.uk" =
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