Running a business

But, for employers at least, the weather isn’t the only bringer of winter woes. Colds, ‘flu and other illnesses tend to rear their ugly heads at this time of year, and holiday requests for the festive season can empty a small business of its staff.

Thinking of using freelancers? Find out about the disadvantages of subcontracting your work and get tips on how to avoid being blamed for others' mistakes.

Changing address, increasing turnover, new business activities, a new company name and increasing your level of cover all have ramifications.

It’s a good idea to be aware of what client sign off means, why it makes good business sense to get it and how you can make sure you do.