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To: "" <admin@sarahharvey.com>
Message-ID: <9A.BB.44710.CA292B96@i-0b94e1f5994e17326.mta1vrest.sd.prd.sparkpost>
Date: Thu, 12 Mar 2026 10:17:16 +0000
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Reply-To: enquiries@bateman-group.co.uk
From: "The Bateman Group" <enquiries@bateman-group.co.uk>
Subject: New Risks for Pubs & Restaurants
Feedback-ID: 052-25340bd9-a4f2-4867-8b12-203e4fff9ff2:001-624559ff-cf1a-4a8b-bb1b-43c0467581c1:swiftpage-eu:actsend

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"600"><tbody><tr><td class=3D"column column-1" width=3D"100%" style=3D"mso-=
table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:left;padding-b=
ottom:5px;padding-top:20px;vertical-align:top"><table class=3D"text_block b=
lock-1" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" rol=
e=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;word-brea=
k:break-word"><tr><td class=3D"pad" =0Astyle=3D"padding-bottom:35px;padding=
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serif;mso-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:1=
6.8px">Welcome to March's newsletter from The Bateman Group -&nbsp; experie=
nced insurance brokers helping businesses, families & individuals since 196=
7.</p></div></div>=0A</td></tr></table></td></tr></tbody></table></td></tr>=
</tbody></table><table class=3D"row row-3" align=3D"center" width=3D"100%" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" styl=
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ody><tr><td =0Aclass=3D"column column-1" width=3D"100%" style=3D"mso-table-=
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resentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=
=3D"pad" style=3D"width:100%"><div class=3D"alignment" align=3D"center"><di=
v style=3D"max-width:600px">=0A<a href=3D"https://clickeu.actmkt.com/s2/001=
-624559ff-cf1a-4a8b-bb1b-43c0467581c1/055-506ef1ee-f997-44da-9265-28cbe735a=
894=3Fenr=3Dnaahiaduabyaa4yahiac6abpab3qa5yao4ac4adcabqqa5aamuag2adbabxaali=
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iapqaa=3D=3D=3D=3D" target=3D"_blank"><img src=3D"https://inboxguru.s3.amaz=
onaws.com/001-624559ff-cf1a-4a8b-bb1b-43c0467581c1/Bateman%20Group%20Newsle=
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/td></tr></table><table class=3D"heading_block block-2" width=3D"100%" bord=
er=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =0Astyle=
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adding-top:10px;text-align:center;width:100%"><h1 style=3D"margin:0;color:#=
555;direction:ltr;font-family:Arial,Helvetica Neue,Helvetica,sans-serif;fon=
t-size:23px;font-weight:700;letter-spacing:normal;line-height:1.2;text-alig=
n:center;margin-top:0;margin-bottom:0;mso-line-height-alt:28px">New Risks f=
or Pubs and Restaurants</h1></td></tr></table><table class=3D"paragraph_blo=
ck block-3" width=3D"100%" border=3D"0" cellpadding=3D"10" =0Acellspacing=
=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0=
;word-break:break-word"><tr><td class=3D"pad"><div style=3D"color:#000;dire=
ction:ltr;font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:1=
4px;font-weight:400;letter-spacing:0;line-height:1.2;text-align:center;mso-=
line-height-alt:17px"><p style=3D"margin:0;margin-bottom:16px">=0AIf you ha=
ve been relying on your pension as a way to pass on wealth to your family f=
ree of inheritance tax, the rules are about to change in a significant way.=
 From April 2027, most unused&nbsp;<a href=3D"https://clickeu.actmkt.com/s2=
/001-624559ff-cf1a-4a8b-bb1b-43c0467581c1/055-506ef1ee-f997-44da-9265-28cbe=
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maag4agcabsabtaaliamqadeabsabsaaliagqadeabraazqaliameadeabtaazaaliaheadoadc=
absqamyag4adeabxaayqamaagmadcad4aayaamaageac2abwaazaanaaguadkabzabtaazqafua=
ggadgaayqayiafuadiadbaa4aayqafuageadcaayqayqafuadiabtabrqamaagqadmabxaa2qao=
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=3D=3D=3D" style=3D"text-decoration: underline; color: #0068a5;">pension fu=
nds</a>&nbsp;will be brought into the scope of inheritance tax (IHT) for th=
e first time.&nbsp;</p><p style=3D"margin:0">=0AThere is still time to act,=
 but the window is closing, and the planning decisions you make in the next=
 twelve months could make a substantial difference to the financial legacy =
you leave behind.</p></div></td></tr></table><table class=3D"button_block b=
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dding-right:0;padding-left:0"><div class=3D"alignment" align=3D"center"><di=
v class=3D"fullWidth" style=3D"max-width:600px">=0A<a href=3D"https://click=
eu.actmkt.com/s2/001-624559ff-cf1a-4a8b-bb1b-43c0467581c1/055-506ef1ee-f997=
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afuadkadbaa4qamyamuadsabzaa4aamiamyagkabvab6aaqiapqaa=3D=3D=3D=3D" target=
=3D"_blank"><img src=3D"https://inboxguru.s3.amazonaws.com/001-624559ff-cf1=
a-4a8b-bb1b-43c0467581c1/Bateman%20Group%20Newsletter%20Images%2024_8.png" =
style=3D"display:block;height:auto;border:0;width:100%" width=3D"600" alt t=
itle height=3D"auto"></a></div></div></td></tr></table><table class=3D"head=
ing_block block-7" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacin=
g=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:=
0">=0A<tr><td class=3D"pad" style=3D"padding-top:10px;text-align:center;wid=
th:100%"><h1 style=3D"margin:0;color:#555;direction:ltr;font-family:Arial,H=
elvetica Neue,Helvetica,sans-serif;font-size:23px;font-weight:700;letter-sp=
acing: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"wor=
d-break: break-word;">Top 5 Reasons Residential Landlord Claims Get Rejecte=
d</span></h1></td></tr></table><table =0Aclass=3D"paragraph_block block-8" =
width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"pr=
esentation" style=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-fa=
mily:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:14px;font-weight:4=
00;letter-spacing:0;line-height:1.2;text-align:center;mso-line-height-alt:1=
7px"><p style=3D"margin:0">=0AOwning rental property can be a smart investm=
ent, but it also comes with responsibilities and risks. One of the most fru=
strating situations a&nbsp;residential landlord&nbsp;can face is having an =
insurance claim denied. Unfortunately, claim rejections are more common tha=
n you might think. According to the Financial Ombudsman Service (FOS), land=
lord and property insurance complaints are among the most frequently disput=
ed cases. In many instances, claims are rejected due to issues that could h=
ave been avoided with a bit more planning and attention to detail.=0A</p></=
div></td></tr></table><table class=3D"button_block block-9" width=3D"100%" =
border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" sty=
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ss=3D"alignment" align=3D"center"><a href=3D"https://clickeu.actmkt.com/s2/=
001-624559ff-cf1a-4a8b-bb1b-43c0467581c1/055-506ef1ee-f997-44da-9265-28cbe7=
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ab6aaqiapqaa=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=
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tyle=3D"background-color: #00529b; mso-shading: transparent; border-bottom:=
 0px solid transparent; border-left: 0px solid transparent; border-radius: =
13px; border-right: 0px solid transparent; border-top: 0px solid transparen=
t; color: #ffffff; display: inline-block; font-family: Arial, Helvetica Neu=
e, Helvetica, sans-serif; font-size: 16px; font-weight: 400; mso-border-alt=
: none; padding-bottom: 5px; padding-top: 5px; padding-left: 20px; padding-=
right: 20px; text-align: center; width: auto; word-break: keep-all; letter-=
spacing: normal;"><span style=3D"word-break: break-word; line-height: 32px;=
"><strong>Read Article</strong></span></span>=0A<!--[if mso]></center></v:t=
extbox></v:roundrect><![endif]--></a></div></td></tr></table><table class=
=3D"divider_block block-10" width=3D"100%" border=3D"0" cellpadding=3D"0" c=
ellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-tabl=
e-rspace:0"><tr><td class=3D"pad" style=3D"padding-bottom:10px;padding-top:=
5px"><div class=3D"alignment" align=3D"center"><table border=3D"0" cellpadd=
ing=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"100%" style=3D"m=
so-table-lspace:0;mso-table-rspace:0"><tr><td =0Aclass=3D"divider_inner" st=
yle=3D"font-size:1px;line-height:1px;border-top:1px solid #bbb"><span style=
=3D"word-break: break-word;">&#8202;</span></td></tr></table></div></td></t=
r></table><table class=3D"image_block block-11" width=3D"100%" border=3D"0"=
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le-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad" style=3D"width:100%">=
<div class=3D"alignment" align=3D"center"><div style=3D"max-width:600px">=
=0A<a href=3D"https://clickeu.actmkt.com/s2/001-624559ff-cf1a-4a8b-bb1b-43c=
0467581c1/055-506ef1ee-f997-44da-9265-28cbe735a894=3Fenr=3Dnaahiaduabyaa4ya=
hiac6abpab3qa5yao4ac4adcabqqa5aamuag2adbabxaaliam4aheadpab2qa4aafyaggadpaax=
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4aamiamyagkabvab6aaqiapqaa=3D=3D=3D=3D" target=3D"_blank"><img src=3D"https=
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t:auto;border:0;width:100%" width=3D"600" alt title height=3D"auto"></a></d=
iv></div></td></tr></table><table class=3D"heading_block block-12" 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">=0A<tr><td class=3D"pad"=
 style=3D"padding-top:10px;text-align:center;width:100%"><h1 style=3D"margi=
n:0;color:#555;direction:ltr;font-family:Arial,Helvetica Neue,Helvetica,san=
s-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;">Is Yo=
ur Business Insurance Keeping Up=3F</span></h1></td></tr></table><table cla=
ss=3D"paragraph_block block-13" =0Awidth=3D"100%" border=3D"0" cellpadding=
=3D"10" 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"><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">=0AMost busi=
ness owners renew their insurance the way they renew their broadband contra=
ct =E2=80=93 they check the price, wince slightly, and accept it. If the pr=
emium has not gone up dramatically, it feels like a win. But in 2026, that =
approach carries a real and growing risk, and it is not the one you might t=
hink.</p></div></td></tr></table><table class=3D"button_block block-14" wid=
th=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"prese=
ntation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr>=0A<td class=
=3D"pad"><div class=3D"alignment" align=3D"center"><a href=3D"https://click=
eu.actmkt.com/s2/001-624559ff-cf1a-4a8b-bb1b-43c0467581c1/055-506ef1ee-f997=
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=3D=3D=3D"  style=3D"height:42px;width:132px;v-text-anchor:middle;" arcsize=
=3D"31%" fillcolor=3D"#00529b">=0A<v:stroke dashstyle=3D"Solid" weight=3D"0=
px" 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-family:sans-seri=
f;font-size:16px">=0A<![endif]-->=0A<span class=3D"button" style=3D"backgro=
und-color: #00529b; mso-shading: transparent; border-bottom: 0px solid tran=
sparent; border-left: 0px solid transparent; border-radius: 13px; border-ri=
ght: 0px solid transparent; border-top: 0px solid transparent; color: #ffff=
ff; display: inline-block; font-family: Arial, Helvetica Neue, Helvetica, s=
ans-serif; font-size: 16px; font-weight: 400; mso-border-alt: none; padding=
-bottom: 5px; padding-top: 5px; padding-left: 20px; padding-right: 20px; te=
xt-align: center; width: auto; word-break: keep-all; letter-spacing: normal=
;"><span style=3D"word-break: break-word; line-height: 32px;"><strong>Read =
Article</strong></span></span>=0A<!--[if mso]></center></v:textbox></v:roun=
drect><![endif]--></a></div></td></tr></table><table class=3D"divider_block=
 block-15" 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"><div class=3D"alignment" 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=
></div></td></tr></table><table class=3D"text_block block-16" width=3D"100%=
" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" st=
yle=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><tr><td=
 class=3D"pad" style=3D"padding-bottom:20px;padding-left:5px;padding-right:=
5px;padding-top:10px"><div style=3D"font-family:sans-serif"><div class =0As=
tyle=3D"font-size:12px;font-family:Arial,Helvetica Neue,Helvetica,sans-seri=
f;mso-line-height-alt:14.399999999999999px;color:#555;line-height:1.2"><p s=
tyle=3D"margin:0;font-size:14px;text-align:center;mso-line-height-alt:16.8p=
x"><span style=3D"word-break: break-word; font-size: 14px;">For advice on a=
ny of the topics covered in this newsletter speak to our experts by calling=
 </span></p><p style=3D"margin:0;font-size:14px;text-align:center;mso-line-=
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