Running a business is risky. We both admire and support the people who launch or run businesses. Having invested your own money, time and energy, it can be devastating if things go wrong, particularly if it is not of your doing. We can help you manage your risk.
The floods of 2007 hit many businesses hard. This wasn't just through physical damage but also due to the lost business that followed. Insurance helped to put these businesses back on their feet.
If you have employees, you are required to have Employers Liability Insurance. If your employee is injured at work, or becomes ill as a result of their employment, this covers the cost of compensation and legal fees. Employees injured due to your negligence can seek compensation even if your business goes into liquidation or receivership. By law, you need at least £5 million in cover but, in practice, most policies offer at least £10 million. ‡
Your policy should cover all conventional employees, contract, casual and seasonal staff as well as temporary staff, including students or others on work placements. If your organisation involves volunteers, advisers, referees or marshals you should tell your insurer.
The Health and Safety Executive is responsible for enforcing the law on Employers Liability Insurance. You could be fined up to £2,500 for each day that you are without cover. ‡
‡ www.gov.uk/employers-liability-insurance Sep 2015
"Over 50% of our clients are referrals from other customers we have helped... we must be doing something right!"
Yet again the Financial Detectives have delivered excellent service to us by finding the best mortgages and conditions whilst at the same time, guiding us through the mine field that can so often trip up the unwary house buyer. To most people the process of mortgaging and re-mortgaging can be time consuming and bewildering. Dealing with the FD team takes all that way from you. The team listened to what we wanted and then took it from there searching the market for the deals that best suited our special circumstances. They delivered friendly, professional, timely, responses to all our questions and concerns offering excellent value for money. We have used the team in the past and will do again should the need arise. I have recommended them in the past and will do again in the future. Well done and thanks once again. S Haskins,
The Financial Detectives were a joy to have working on our behalf from beginning to end. With professionalism, an ability to calm a frazzled homeowner (me) and no apparent exasperation at all they managed to negotiate a very competitive product for us, consolidating much of our debt and ensuring five years of financial stability mortgage-wise for our family. No easy feat as we were not the easiest of applications due to complicated work situations and the aforementioned debt. I would have no hesitation in recommending the team to anyone, and will certainly return to them for a new mortgage in 5 years time, although I fear they may run and hide from us! M & C Hayden M & C Hayden, 2017
Daniel Rowden trading as The Financial Detectives is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority
The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.