The insurance industry, perhaps more than some others, is sometimes on the receiving end of myth creation – and that may apply to life insurance quotes: all life insurance is broadly similar – no, it is not and there may be significant differences between both different types of life insurance cover and the insurance providers [...]
Critical illness insurance for business owners
Critical illness insurance can protect a business owner’s lifestyle, family and company in the event that they contract a serious illness that is covered under the policy. These policies provide financial assistance to cover re-training and repay loans offering peace of mind for everyone involved in the business. What is critical illness insurance? Critical illness [...]
Top ten things you may need to know about public liability insurance
While public liability insurance is not generally a legal requirement (though there are some exceptions), doing without it as part of your business insurance protection portfolio may not be a sensible idea. Here are ten things you may need to bear in mind when considering public liability cover: if you do not have public liability [...]
Who makes the best small business telephones?
Who makes the best small business telephones is never an easy question to answer, as the best solution for one company or organisation may not be the best for another. There are, however, a few general points that may be applicable: remember that choosing the best small business telephones may be more than just a [...]
Website designers and your business
If you have ever asked yourself why you should use professional website designers rather than do things yourself, you may find the following points interesting: of course, if you use professional website designers you will have to pay for their services and products, however, this may prove to be rather more cost-effective than trying to [...]
How to prepare a business plan for a financial adviser
A business plan is a vital document when you are starting a new business. It serves a number of purposes, including being the basis of your discussion with a financial adviser about how to move forwards. Your financial adviser will be one of several people who want to see your business plan, since this is [...]
Risk management and the commercial insurance broker
Risk management entails identifying areas of possible loss and then transferring the potential costs associated onto the insurer. As such, an insurance broker will be able to provide key advice in making sure you receive the right cover. In the field of risk management, a ‘risk’ is anything that could have an adverse effect on [...]
The Ability to Repay Credit Card Bills
When deciding what to do about having spent beyond the ability to repay credit card bills and all that is possible is to pay the minimum balances or not even that amount, it is a good time to consider credit card debt consolidation. The feeling is overwhelming, credit card debt that is out of control. [...]
Why small businesses need an accountant
The skills required to manage and audit the finances of even the smallest modern business are diverse and varied. A chartered accountant is trained and qualified in all the disciplines necessary to keep a modern commercial enterprise on a sound (and above all legally compliant) footing. The first and most obvious is the complex world [...]
Small Business Insurance – Are you Covered?
If you are in the process of setting up your first small business, then with everything you have going on the chances are you might not have thought too much about insurance yet. But there are a few policies you need to consider – some of them optional and some compulsory. Some insurance policies, such [...]