dental nurse welcoming a patient
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Insurance For Dental Nurses – What’s The Difference Between Treatment Risk and Medical Malpractice Insurance?

As a dental nurse, you need medical malpractice insurance. Your GDC registration depends on it. But you may also have heard of treatment risk insurance, or treatment liability insurance. And as dental nurses offer certain treatments, you might be wondering – do I need treatment risk insurance? In this post we’ll explore the differences between…

a block saying data breach on a computer keyboard
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Does Your Small Business Need Cyber Breach Insurance?

According to a 2019 report by the Federation of Small Businesses, small businesses fall victim to around 10,000 cyber-attacks every day. Cybercrime is estimated to cost small businesses a staggering £4.5 billion each year, with the average cost of a single attack at £1,300. The latest 2020 Cyber Breach Survey from the government, reported that…

What is a Director’s Loan Account & How Does it Work?
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What is a Director’s Loan Account & How Does it Work?

A director’s loan account (DLA) allows directors, or their family members, to take money out of their company. To qualify as a “director’s loan”, this money must not be a salary, a dividend, or an expense repayment. Also, it must not be money you’ve previously paid into or loaned to the company. How Does A…

Cyber Security Policies for Small Businesses
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Cyber Security Policies for Small Businesses

All businesses need cyber security policies. But if you’re running a small business, it’s particularly important that you take steps to protect yourself against the risks of cybercrime. Why? Because studies show that cyber-criminals are more likely to target small businesses over larger businesses. Indeed, one study found that up to 96% of all cyber…

patient on a couch
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What Insurance Do Counsellors and Therapists Need?

Like all professionals, counsellors and therapists need insurance to protect them from the various risks of the job. Let’s take a look at some of the most essential insurance products for counsellors and therapists. What Insurance do Counsellors and Therapists need? The types of insurance counsellors and therapists need can be far reaching, depending on…

What is Cyber Insurance?
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What is Cyber Insurance?

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…

cash on a table
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How to Make a Cashflow Forecast for Small Businesses

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…

image of an It consultant replace harddrive in datacenter
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IT Contractors – How Much Professional Indemnity Insurance Do I Need?

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…

tax forms on a table
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What is Legal Expenses Insurance?

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…