The Federation of Small Businesses

The Federation of Small Businesses

• Formed in 1974•Currently has 200,000+ members•Membership is increasing by around 3,000 per month•Non profit making•There to represent YOU•Powerful lobbying organisation•Offers protection and benefits for all its members

INVALUABLE BUSINESS

PROTECTION FOR

MEMBERS

Legal Advice Helplines

• Expert Professional Advice on:• Employment Law.• Tax, VAT, PAYE and DHSS.• Trading Standards.• Health & Safety.• Access to a team of Solicitors, Tax Consultants, H&S Officers and Employment Specialists.and more.........

Lines are open 24 hours a day, 365 days a year

Employment Disputes Protection

• Employment Law Advice 24 hours a day 365 days a year. • 240 Legal documents in template form.- Terms & Conditions, Employment Law Contracts, Letters of Warning etc.• Representation in and cost covered of Employment Tribunals.(Unfair, Constructive Dismissal; Discrimination (sexual, racial, age, religion, disability)

-Even if you win you would still have to pay costs- FSB cover you up to £50,000• FSB pay cost of any compensatory awards.

Before taking action against an employee which could lead to dismissal, selection for redundancy, or accepting an employee’s resignation, you must seek and act on the advice of the Consultancy Service.

Protection against HMRC Investigations

• Protection against Tax investigations

• Protection against VAT investigations

• Protection against PAYE investigations

• Protection against DHSS investigations

- Random investigations up 20% year on year- Inspectors opening multiple investigations- FSB cover you up to £50,000

Criminal Prosecutions in the course of running your business. FSB cover you up to £50,000 for prosecutions under:

There are 340 Acts a Small Business can fall foul of. (Inspectors at Your Door, 2005)

Criminal Prosecution Protection

•Road Traffic Act•Health & Safety Act•Consumer Protection Act•Trade Descriptions Act and many more.............

•Weights & Measures Act•Data Protection Act•Food Safety Act•Environmental Act

Jury Service Protection

• £100 per day (tax free) paid to you - max 10 days = £1,000

• If you are called to Jury Service.

• If any of your employees are called to Jury Service.

• In addition to any amount paid by the courts

Statutory Licences Protection• Legal representation if an essential licence is under

threat of suspension, revocation, alteration or non-renewal.

E.g.:-off licences, restaurants, pubs, petrol stations, pet shops, independent financial advisors, haulage contractors and other statutory licence holders.

- FSB cover you up to £50,000

Data Protection• Legal representation for the defence of actions brought

by the Registrar or appeals against refusal of an application or Enforcement Notice.

- FSB cover you up to £50,000

Property Protection• Legal representation for pursuing third parties for

nuisance or damage or for a breach of a repairing covenant.

- FSB cover you up to £50,000

Personal Protection• Legal representation for the pursuit of legal rights

following injury also for an injunction to prevent the return of an assailant or troublemaker to your business premises.

- FSB cover you up to £50,000

Legal & Tax Information On-Line

Legal Information at your fingertips.www.fsblegalinfo.org.uk

• Legal News• Employment law on-line• Taxation matters on-line• Over 100 fact sheets• Over 200 free template documents

• New employee section• Legal advice request• Member Feedback and Testimonials• Links to Government and Industry websites.• FAQ’s

FSB CareSupport for members diagnosed with a serious

health condition.

• Members have access to their own Personal Nurse Advisor who is there to provide practical information and emotional support. •An FSB Personal Nurse Advisor can arrange: -- a home visit- a course of therapy-a course of specialist counselling

Occupational Health for the Self-Employed!

VALUABLE COST SAVING

BENEFITSFOR

MEMBERS

FSB Insurance

•Insurance Advice Helpline - Free to all members

•Commercial Insurance•Employers Liability Insurance•Public Liability Insurance•Business from Home Insurance•Vehicle Insurance•Private Lines (Home, Travel, Car) Insurance•Professional Indemnity (Therapist, Business Coaches, Marketing Consultants, Business Consultants etc)

Negotiating Business Insurance on behalf of over 200,000 members.

FSB Business Banking:

• Genuine Free Banking supplied by the UK’s leading ethical bank exclusive for FSB members.

•No monthly service charge•No fees on standard non-cash transactions•Unlimited number of cheques paid in and debited from your account. •Lodge up to £4,000 in cash every month.

•No limit on number of:-direct debits, standing orders, automated credits, debit card transactions and post office deposits. •Interest paid on your entire credit balance every month.

Members also benefit from:- special rate business or personal loans; Fee free business charge card; Fee free overdraft facility subject to status.

£25 annual loyalty bonus!

FSB Independent Financial Services:

•Personal Financial Planning•Corporate Financial Planning•Retirement Planning•Savings & Investments•Life Insurance•Business Protection Planning•Loans & Mortgages•Tax Planning

FSB Merchant Services

•Free merchant services account.

•Corporate transaction rates for accepting :- all credit card payments- all debit card payments.

•Choose from: - fixed terminal. -mobile terminals. -e-commerce solutions.

With over 20,000 machines, the FSB is one of the UK’s largest affinity groups for accepting credit card transactions.

FSB Private Medical Insurance

• Simple and cost effective insurance plans for the self-employed:-Medical care plans.-Dental plan.-Income protection plan.-Hospital, Sickness and Injury cash plan.-Travel Plan.-Term life plan.-Personal Accident Plan.

Up to 50% saving for members transferring from an existing plan.

FSB Debt Collection

-No win no fee basis.-Credit check your new customers.-International tracings.

FSB Factoring

-Credit approval of your customers-Protection from bad debts-Export funding-Funding of up to 90% of sales invoices.-Credit insurance.

FSB Finance for Business

• Business Finance• Property Finance• Asset and working Capital Finance• Corporate Finance.• Free Business Finance Assessment

FSB Telecom• Special rates for fixed line and mobile telephony.

FSB Fuel Card

-Discount on diesel from hundreds of UK petrol stations.

FSB Post and Mail

- Discounts for mail shots, leaflets, invoices, business letters.

FREE Members exclusive magazines

•Bi-Monthly magazines include: •Business Network Magazine -The UK’s Biggest B2B magazine•First Voice of Business -The FSB’s National Publication•Voice of Business -Monthly Publications produced by FSB regions. Includes: Business Information –usual subscription £90pa

FREE Members Exhibitions and Events hosted or sponsored by the FSB

•Members will be invited to attend: -Network events.-Regional business events.-Local business events.-Exhibitions.-Members’ Corporate events.

Why not meet and introduce your business to other members plus free listing on our online directory.