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Employing Labour-only & Bona-fide Subcontractors

Correctly classifying subcontractors in your business is a crucial part of understanding your legal requirements and liability. There are also different insurance requirements for the different types of subcontractor, which we will hopefully be able to clarify for you in this blog.

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Insuring Your Heat Work Correctly

Use of heat can affect your premiums and excesses depending on your trade and conditions you make to mitigate any risk involved. In this blog we will explain the different types of heat work you will need to declare in order to arrange adequate cover for your business.

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‘Working Away’ As A Shop Owner

As a shop owner, you make sure all activity on your premises insured, but it can be easy to get caught out as your insurance may not cover all your activity away from the physical shop. ‘Working away’ is a term used in the insurance world to describe any occasion in which you’re working away from your usual business premises.

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Disaster Strikes! Practising What We Preach

On returning to the office on Tuesday, we discovered that our offices were suffering an escape of water, resulting in the basement being flooded and the building suffering severe water damage. We had to jump into action in order to make sure we continued trading, and luckily we had a plan…

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How Your Shop Security Could Save You Money

How risk control can save you money on your insurance premiums, and what terms to look out for when speaking to your business insurance broker. Insurers may ask you to meet security standards for protection of your contents, computers and stock.

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The Story of a Frustrated Geologist

We catch up with a new policyholder of FSB Insurance Service, Barry Roberts to talk about his unique business.. Barry is a self-declared ‘frustrated geologist’ who co owns Bolton-based Northern Geological Supplies Ltd.