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!"
We were very happy with the service of the financial detectives team - with a particular nod to Andy who talked me through the majority of it and was very clear and patient with the options available. I always felt that the service given was thorough and professional and that I could trust the integrity of the advice given. The service was always quick and accurate and at the right price. I'd happily recommend you to other friends and family (and in fact already have.) Look forward to working with you again in the future. J Townsend,
As always I found The Finance Detectives extremely helpful and easy to use. With working full time being able to communicate via email and send documents in the same manner was a godsend. I will always use The Finance Detectives for all my Mortgage and Insurance needs as they provide a first class service which is value for money and with little or no hassle. I have in the past recommended The Finance Detectives to friends and will continue to do so in the future. Thank you again for all your help and assistance in sorting the new Mortgage deal. R Tucker,
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.