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!"
The Financial Detectives and Dan were brilliant making the process of getting my mortgage so simple. They explained everything in a simple way. This was my first house buy so its was important for me to understand what was happening. They have also sorted all my insurance, getting it at the budget I wanted. A big thank you to all the team at the The Financial Detectives. A. Locke, Sept 2015
This was our first time buying a house and went with the financial detectives,we wanted to have a mortgage broker that could deal with finding the best deal for us and tell us our options with buying our first house. Dan is a very high skilled mortgage broker and was amazing.Dan worked very hard to get us the mortgage that was right for us and was there every step of the way and so was Jess cannot fault this company they are amazing and would recommend to any of my friends, and would use them again.Far less stressful then going direct to a bank and shopping around yourself so once again to the team at the financial detectives thanks again Mr & Mrs Hichri K & C Hichri, 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.