Hackers and other criminals are using increasingly sophisticated techniques to scam and exploit people. And nothing is off-limits for them. So you should consider any aspect of your business that relies on digital technologies as a potential weak-spot, as an area that cyber criminals could target. Even if you’re an independent contractor offering painting and…
Cashflow is the lifeblood of your business. But you might sometimes struggle to make a cash flow forecast – particularly if you’re a small business, or if you’re new to the business world. This is your essential guide to cashflow forecasting. We’ll explain what it is and why it matters, before exploring ways you might…
Like all contractors, IT contractors should get adequate professional indemnity insurance to cover them for certain professional risks. This is a guide to professional indemnity insurance for IT contractors. Whether you’re new to the world of IT consultancy, or you’ve just started working with bigger clients and you’ve realised you need insurance, this guide will…
You might think that, as a sensible, law-abiding citizen, you’re unlikely to ever have any legal expenses. And you might be right. However, you don’t need to necessarily break the law to need legal representation. What is Legal Expenses Insurance? Legal expenses insurance does exactly what it says on the tin: It’s insurance that covers…
A HMRC investigation is a daunting prospect for any business. These investigations can be immensely time-consuming and extremely costly. So for self-employed and small businesses, the idea of a HMRC investigation can be genuinely terrifying. You can avoid HMRC investigations if you learn about the sort of circumstances that commonly trigger investigations. There are also…
An insurance intermediary acts as a bridge between insurers and their clients. Some intermediaries work with insurers, whereas others work with their clients. In most cases, though, they work to match the right insurer with the right consumer. They ensure that consumers get all the cover they need at a price they can afford, and…
5 Resources That Have The Potential To Help Your Small Business It can feel like you’re alone when you’re running a small business, particularly if you’re operating as a solopreneur and operating from your private home. While you might be running a company as an individual, these resources could be the company worth keeping around….
Flexible Professional Indemnity Insurance Is Now Available. When you start up as a freelancer, it can be difficult to see yourself as a business. After all, you’re just one individual. Like many freelancers, you see yourself as simply one person doing a job. The only thing that matters however is how the law sees you….
Floods are the most common natural disaster in the UK, and flooding is a major risk of business interruption to firms of all sizes. Don’t think of flooding as something that happens to other people. If you’re not prepared, even a small flood could utterly sink your business. It’s important that you conduct adequate flooding…
In many ways, an office insurance policy does exactly what it says on the tin: It covers your office and its contents for many situations that could compromise your staff, your business, your customers and your clients. But many different things could go wrong in an office environment. So really, there’s no such thing as…