If you work for an employer, you’ll receive statutory sick pay if illness or injury ever puts you out of work. Depending on your employer, you may even receive additional benefits on top of your statutory pay. But self-employed workers don’t always have this safety net. So how can you insure yourself against long-term illness…
It’s hard to know where you stand when it comes to Covid. Government restrictions can change at a moment’s notice, and it’s almost inevitable that businesses will suffer when a lot of people are wary of leaving the house. But support is available, if you know where to look. And there are plenty of resources…
The process of registering your business name is different depending on whether you’re setting up as a sole trader or a limited company. See our guide to learn about the difference between these two arrangements. How to Choose Your Business Name Many businesses go for snappy names that’ll help them stand out from their competitors….
Treatment liability insurance is essential cover for anyone who provides certain forms of treatment, including therapy, counselling, and other health, beauty and wellbeing treatments. So whether you’re a therapist, a counsellor, a hairdresser or a masseuse, treatment liability insurance will protect you against injury or damage claims that may result from your work. What Does…
On 15 January 2021, the Supreme Court made an unprecedented decision. It ruled that small businesses affected by the Coronavirus pandemic should have their claims paid under Business Interruption insurance. The judgment was based on a test case brought before the Supreme Court by the Financial Conduct Authority (FCA), who regulate the insurance industry. The…
Starting a business is hard. There are so many things that need sorting out. If you’re a freelancer or a contractor, you often have to do everything all by yourself. And one thing that many freelancers and contractors worry about is VAT. Do you need to register for VAT? And if so, how do you…
Simple On-Demand Insurance Isn’t That Interesting, Right? Let’s face it, no one wants to read about on-demand insurance. It’s like reading about wearing your seatbelt. But, like wearing your seatbelt, insurance is important and could save you from serious terrors. Of course, with insurance, the terror of not being covered will often be financial. This…
On-Demand Insurance Is Vital For Those Operating In The Gig Economy. In March 2018, a report revealed that there are now over five million people operating in the gig economy across the UK, with the growth rate in London nearly doubling other regions. Many people operating in this industry are freelancers, often on individual contracts….
Employers liability insurance So you think you don’t need employers liability insurance? Imagine that an employee that you hired is injured while working for you or operating on your premises. What happens next? You will likely face a lawsuit and a personal injury claim against your business which could cost you a fortune. You might…