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Small business advice

Here's where we lift the lid on insurance and explain it all simply.

There's essential help with how best to protect your business or not-for-profit. Plus, useful advice on running your organisation and life as a freelancer.

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What’s an Employer Reference Number?
What's an employer reference number? Why do you need one? Wondering why we’re asking you these questions? Here's your answer.
29/10/2025

What insurance do I need for my business?
What business insurance do I need? What don't you need, more like. If you're after a more helpful answer than that, try reading this.
28/10/2025

What’s claims made insurance?
Professional indemnity and medical malpractice are 'claims made' insurance. Find out what this means and why it matters.
27/10/2025

What to do when clients don’t pay on time: how to get your invoices paid
When clients don't pay on time, cash flow problems can be the inevitable outcome. Here's how to make sure your invoices get paid.
26/10/2025

What’s employment practices liability insurance (EPLI)?
Employee disputes can happen despite your best efforts. If you're threatened with legal action, employment practices liability insurance has your back.
17/10/2025

Employers’ liability insurance guide
Employers' liability insurance protects you if employees claim for injuries and illnesses they suffer at work. Get it or get a fine from HSE.
15/10/2025

Do virtual assistants need cyber insurance?
A handy guide to cyber insurance for virtual assistants, spelling out what it is, why you need it, and how it can help protect your business.
15/10/2025

What insurance does a limited company need?
What does being 'incorporated' mean for your business? And what kind of insurance does a limited company need? Find out in this guide.
12/09/2025

Freelance, sole trader and self-employed. What’s the difference?
What's the difference between being freelance, a sole trader, or self-employed? And what are the legal and tax implications? Find out here...
10/09/2025

What insurance do sole traders need?
Public liability? Professional indemnity? What insurance do sole traders need and why should they have it?
06/09/2025

What insurance do IT contractors need?
Want to know the IT contractor insurance requirements? Learn about different types of insurance, what they cover, and how they protect you.
01/09/2025

How to become an IT contractor 
IT professional looking to get into contracting? Our guide on how to become an IT contractor has all the info you need to get started.
28/08/2025