UK small businesses have the most mishaps on Mondays

Simply Business data has revealed a 41 per cent rise in small business accidents and injuries over the past five years.

New research from Simply Business reveals that small businesses are over a third (37%) more likely to have an accident on Mondays than any other day of the week.

After the excitement of the weekend is over, it seems small businesses struggle the most at the start of a new week. The research shows that business owners are 26 times more likely to have an accident on a Monday than a Sunday, with the likelihood of accidents falling steadily as the week goes on.

Simply Business insures more than 425,000 small businesses and analysed customer injury and accident claims from 2012-2016. The new research reveals that accidents and injuries have risen by 41 per cent in the last five years, however, 2016 did witness the first dip in accidents and injuries over the past five years, showing signs that business owners are beginning to become more cautious.

Simply Business covers over 1000 different trades and professions, from decorating to dog-walking to dance instructing. This detailed analysis unearthed surprising comparisons in the safety of different sectors; as some tradespeople whose professions are typically thought of as ‘dangerous’ were found to be less accident and injury prone than unexpected alternatives. For example:

  • Fitness instructors are three times more likely to have an accident at work than bricklayers
  • Hairdressers and beauticians are seven times more likely to have an accident at work than carpenters
  • Dog walkers, kennel owners and pet parlours are three times more likely to have an accident at work than lorry drivers

Simply Business also conducted regional analysis that reveals cities in the north are the more likely to have an accident. When examining the UK’s top 10 biggest cities, the business insurance broker found that Liverpool, Glasgow and Manchester topped the list.

Ranking - Likelihood to have an accident at work City
1 Liverpool
2 Glasgow
3 Manchester
4 Birmingham
5 Bradford
6 Edinburgh
7 Leeds
8 London
9 Sheffield
10 Bristol

Fiona McSwein, Chief Customer Officer at Simply Business, comments:

“For the self-employed, an accident at work can have huge implications. Whether it’s time away from work, or reputational damage, a workplace accident could potentially put a small business owner out of work.

“Our research shows that even businesses that many would consider low-risk - such as hairdressing or dog walking - carry the risk of injury, and it’s particularly surprising when compared to manual trades like bricklaying or carpentry.

“It’s highly encouraging to see the rate of accidents and injuries starting to dip, with 2016 being the safest of the last five years. It shows that small business owners are increasingly concerned about safety at work. However, no matter how careful small business owners are, we know that any work carries risks. That’s why we’re proud to be insuring not just businesses, but the livelihoods of the self-employed people behind them, offering peace of mind should the worst happen with the likes of public liability, employers’ liability, and personal accident insurance.”

– ENDS –

Notes for Editors:

For more information, please contact:

Sophie Poston +44 20 7199 6415


Simply Business covers over 425,000 SMEs, small businesses, landlords and sole traders across the UK.

Simply Business looked at a sample of 1859 claims in the years 2012-2016. There were 455,700 policies in 2016.

Claims increased 45 per cent between 2012 and 2013, and 66 per cent from 2013 to 2014. The increase slowed in 2015 to just two per cent before claims actually decreased 2015-2016 by 42 per cent to below 2013 levels.

For the location-specific data, Simply Business looked at the ratio of claims in the years 2012-2016 to 2016 policies for each of the 10 biggest cities in the UK by population size. This created an ‘accident-prone’ ratio that enabled us assign each city an ‘accident-prone ranking’.

About Simply Business

Simply Business is the UK’s biggest business insurance provider, specialising in public liability insurance for SMEs and landlord insurance.

Launched in 2005, Simply Business provides an online brokerage service delivering policies tailored to individual business requirements. It has a team of UK based insurance specialists and employs almost 300 people across offices in London and Northampton.

Simply Business provides insurance to more than 400,000 UK SMEs and landlords and owing to its internal underwriting capability can cover over 1,000 trade types. It has been a Sunday Times Tech Track 100 company for the past three years and was recently named in the Deloitte Technology Fast 500 EMEA. Revenues have grown from £4.2 million in 2006, to £25.4 million in 2014, and the company has been named 2015 and 2016 winners of The Sunday Times’ Best Company to Work For.