Category Archives: Commercial

the high street
18 Apr

Is the high street really dying? All is not lost…

There’s a lot of doom and gloom about the future of the high street, and there has been for years. The advent of online shopping, the rising cost of petrol, the difficulty of parking in the nation’s town centres – these are all among the numerous factors on which the decline of the high street

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starting your own small business
05 Apr

8 ideas for starting your own small business

According to an article by startups.co.uk, the UK small business landscape is still flourishing. Moreover, the research that was produced for our recent Insurance Spotlight Report showed that self-employment has increased from 3.3 million to 4.8 million over the last sixteen years. With more and more people becoming their own boss, here is some inspiration

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28 Mar

Helping to reduce plastics in our oceans

Over the last few years, there has been a movement from businesses, organisations and charities coming together to carry out ‘clean up’ projects across our inland and coastal waters in a bid to reverse the damage caused by the dumping of plastics. At A-Plan, our specialist marine insurance team has a particularly keen understanding of

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14 Mar

What is the impact of the apprenticeship levy?

Statistics published last week by the National Audit Office (NAO) made interesting reading for businesses employing apprentices. Figures revealed that despite Government targets to create three million new apprenticeships by 2020, the number of people taking up training programmes has fallen significantly. So much, in fact, that the NAO says it’s “very unlikely” that the

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27 Feb

Self employed? What business insurance do you need?

Nothing beats the freedom of being your own boss. But when you’re self-employed, protecting your livelihood is of paramount importance. With that in mind, what business insurance cover is it advisable to have to make sure your business is properly protected? Let’s take a look. Professional indemnity insurance Firstly, you will need professional indemnity insurance.

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self-employed
18 Feb

The Entrepreneurial Generation

With an increasing percentage of the population choosing to become self-employed, it could be assumed that this is reflected in the uptake of relevant insurance policies. However, alarmingly this is not the case. Self-employment has increased from 3.3 million to 4.8 million over the last sixteen years*, yet many are not covered for the associated

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24 Jan

Tax return for self assessment – Top tips

If you are self employed you must complete and submit your tax return, plus pay any tax due, by 31st January. With a week to go, follow our quick tips for a speedy submission and avoid an unnecessary £100 penalty. Begin! Don’t leave completing your tax return until the final day. You’ll need time to

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16 Jan

What’s in your business disaster recovery plan?

In business, as in life, things sometimes happen unexpectedly – things that are beyond your control, and that put your business in danger. Also known as a business continuity plan, a disaster recovery plan is there to give you a framework for action in the event of something catastrophic befalling your business. Making a plan

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business insurance
04 Jan

The basics of business insurance

Life doesn’t always go to plan, and neither does business – that’s what insurance is for. Business insurance is an umbrella term for a huge range of insurance policies and add-ons that you can take out to protect your business from the unexpected, and in today’s post, we’re looking at the different things you might

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indemnity
05 Dec

Is your indemnity period long enough?

An indemnity period is the time frame in which insurance companies will look to contribute towards a business interruption claim for loss of earnings. The indemnity period starts from the time of the initial loss and will operate while the rectification work is being carried out and will also continue once the business re-opens until

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