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Protect your staff with insurance
Insurance to protect you and your staff - key person, critical illness, income protection, private health cover.
Reduce your business insurance risks and premiums
How to pay less for insurance by managing risk - perhaps by improving your health and safety performance.
What insurance does my business need?
Learn about the different types of insurance and how to get help from an insurance broker.
What types of business insurance are legally required?
Information on the types of cover you must have by law - typically employers' liability and motor insurance.
Liability and professional indemnity cover
Insurance against legal claims for damages - public and product liability and professional indemnity cover.
Business insurance when working from home
How working from home could affect your cover - perhaps requiring an increased premium or changes to your property.
Business insurance losses and claims
The information you should provide when making a claim and the role of the loss adjuster.
The purpose of business insurance
Why businesses should consider insurance and the types of events your business can insure against.
Business insurance: the basics
Details of the different types of insurance for businesses and finding a broker.
Checklist: buying insurance for your business
Key stages when choosing and buying insurance.
Avoid the problems of overtrading: debts
Debt factoring, prompt payment discounts and regulating cashflow help reduce the risk of overtrading.
What is overtrading?
How insufficient finance and resources to sustain a business’s level of trading can lead to overtrading.
Avoid the problems of overtrading: assets
How to solve cashflow shortfalls and bring new money into the business in a variety of ways.
Assessing your cash needs: creditors and debtors
Debtor days ratios and creditor days ratios estimate how long you take to pay debts and customers take to pay you.
Example of overtrading
A case study of a situation of overtrading and the potential disaster it causes.
Avoid the problems of overtrading
How expanding businesses can match production and order cycles using gearing, working capital or quick ratio tests.
Compare balance sheets to assess business performance
Use simple balance sheet comparisons to assess business performance internally and against competitors.
Interpreting balance sheet figures
Liabilities, assets, debtors and intangibles can all give you a picture of a business' financial health.
Business accounting periods
The balance sheet portrays a business' performance over the financial year or accounting period.
What is in a balance sheet?
Fixed and current assets and liabilities are important contents of a balance sheet.