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!"
This year I bought my own property, what a headache!! Surveyors, Solicitors, mortgage & life insurance where do you start. Well with the help of The Financial Detectives my mortgage and life insurance policy were arranged in a very professionally manner, I was kept informed of the progress all the way. The teams help was impeccable, they listen to my requirements and concerns and found a Mortgage and Life Insurance Plan that suited me. There was no stress or worry involved they took care of everything. I would most definitely use them again A Hughes A Hughes, 2017
From the initial phone call all the way through to the completion date Hannah and the team at the Financial Detectives were fantastic! Their knowledge and understanding of the market and all of the processes involved in purchasing a house inspired great confidence and certainly put our mind at ease. They talked us through all of our options and made sure that the mortgage we went for was the best product for us. The team also helped move along our purchase and make sure that any queries regarding our mortgage were followed up immediately. Their service was always carried out to a high standard, and nothing was too much trouble. We have already been recommending you to friends, family and colleagues. Thank you so much for all of your help! H & S Lodge,
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.