How should CBILS/BBL loans affect business insurance renewal terms, and what should you do if insurers penalize borrowers?

Members report mixed experiences with insurance renewals after taking CBILS or BBL loans. Some had no issues with their bar/hospitality insurance despite the borrowing, but others have encountered negative renewal quotes that appear to penalize them specifically for taking out CBILS. **The recommended approach is to push back on the quote**: members who were quoted higher premiums or worse terms explicitly challenged their insurers rather than accepting the penalty. There is no indication from the community that CBILS/BBL borrowing should legitimately affect standard business insurance, and several members successfully renewed without issue, suggesting this may be an error or overly cautious underwriting by some providers. If you receive a penalising quote, contact your broker or insurer to query the reasoning and request a revised quote. Members also note frustration that many insurers failed to honour business interruption insurance claims during the COVID period, so expect pushback on claims generally.