During the last twenty years there has never been more changes in employment trends in the UK - yet in many cases the insurance industry has been slow to change. This presentation will point out the business opportunities that have arisen due to these changing trends and why they have often been missed. Small business numbers have increased by 2.2 million since 2000! Many more people are now working from home, many more people are now giving advice, many immigrant groups have arrived to provide valuable skills - the demand for commercial insurance products has changed dramatically, but in many cases the policies and sales processes offered are still stuck in the last century! The insurance industry has often been slow to respond to changes in demand and this presentation looks at how employment practices have changed and will continue to change dramatically, and how brokers could increase remuneration if they start amending their processes to make them line up more accurately with the needs of the changing employment sector. The FCA estimate that 40% of SME's are under insured and at the end of 2024 around 80% did not have any cyber cover at all. There will be stacks of interesting facts and figures in this presentation that will get intermediaries and insurers thinking about whether they are making the most of the business opportunities brought about by changing employment trends within the UK.