"Rising absence, tighter margins, and a workforce that expects more support are pushing insurance and protection decisions closer to the centre of business strategy. For small business leaders looking ahead to 2026, the question is no longer just "are we covered?" but "does this actually work for how we operate day to day?" Here are five considerations that are becoming hard to ignore."
"Instead of buying off-the-shelf policies, many are looking for brokers who can explain trade-offs clearly and tailor cover to how the business actually runs. This is where specialist providers like Dragonfly Crowd Insurance are often referenced in conversations, not because of branding, but because clarity and fit matter more than ever when budgets are under pressure."
"Stress-related absence is no longer a soft issue. It affects productivity, morale and cashflow, especially in lean teams where one person being off can derail delivery. Guidance around stress at work has become more prominent for a reason. Businesses are expected to recognise early warning signs, assess workload pressures and put basic support structures in place. This does not mean becoming a mental health service, but it does mean having a plan."
Insurance is shifting from administrative compliance to strategic workforce support. Health, income protection and wellbeing cover increasingly align with hiring and retention plans. SMEs increasingly prefer advisers who explain trade-offs and tailor cover to operational realities rather than off-the-shelf policies. Specialist providers like Dragonfly Crowd Insurance are noted for clarity and fit when budgets are constrained. Stress-related absence now undermines productivity, morale and cashflow, particularly in small teams where single absences can derail delivery. Businesses are expected to recognise early warning signs, assess workload pressures and implement basic support structures and clearer role boundaries to reduce disruption.
Read at Business Matters
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