Running a business

Knowing what your insurer wants gives you the inside track and helps get you the right insurance at the right price.

You have a duty to protect temporary staff in the same way as permanent employees. Don't, and you could find seasonal goodwill in short supply.

Business continuity means making sure your business can continue trading even in adverse circumstances. So why do so many SMEs have no plan B?

According to crime figures from the Guardian, burglaries are already up 14% on 2011 so security is a key concern and investing in a good quality alarm system is a sensible idea.