The Federation of Small Businesses

The UK’s Leading Membership Organisation

A presentation by Alan Cole of AJC Business Management Ltd

The Federation of Small Businesses

• Formed in 1974• Currently has around 200,000 members• Local membership has increased to around 3,500 in CF & NP postcodes• Not-for-profit - owned by the members• There to represent YOU• Powerful lobbying organisation• Offers protection and benefits for all its

members

FSB Engagement at the highest level

Employed teams of

lobbyists for Westminster,

Cardiff, Glasgow & Northern

Ireland

INVALUABLE BUSINESS

PROTECTION FOR

MEMBERS

Legal Advice Help linesExpert Professional Advice on:

• Employment Law.• Tax, VAT, PAYE and DHSS.• Trading Standards.• Health & Safety.• Access to a team of Solicitors, Tax Consultants, H&S Officers and Employment Specialists.and more........

Lines are open 24 hours a day, 365 days a year !

Employment Disputes Protection•Employment Law Advice 24 hours a day 365 days a year. • 240 Legal documents in template form.-Terms & Conditions, Employment Law Contracts, Letters of Warning etc.

• Representation in and cost covered of Employment Tribunals.(Unfair, Constructive Dismissal; Discrimination (sexual, racial, age, religion, disability)-Even if you win you would still have to pay costs-FSB cover you up to £50,000

• FSB pay cost of any compensatory awards.Before taking action against an employee which could lead to dismissal, selection for redundancy, or accepting an employee’s resignation, you must seek and act on the advice of the Consultancy Service.

Protection against HMRC Investigations

• Protection against Tax investigations

• Protection against VAT investigations

• Protection against PAYE investigations

• Protection against DHSS investigations-Random investigations up 20% year on year-Average investigation lasts 16 months- Inspectors opening multiple investigations- FSB cover you up to £50,000

Criminal Prosecution Protection

•Road Traffic Act•Health & Safety Act•Consumer Protection Act•Trade Descriptions Act

and many more.............

•Weights & Measures Act•Data Protection Act•Food Safety Act•Environmental Act

There are 340 Acts a Small Business can fall foul of. (Inspectors at Your Door, 2005)

Legal & Tax Information On-LineLegal Information at your fingertips.

• Legal News• Employment law on-line• Taxation matters on-line• Over 100 fact sheets• Over 200 free template documents

• New employee section• Legal advice request• Member Feedback and Testimonials• Links to Government and Industry websites.• FAQ’s

Jury Service Protection

• £100 per day (tax free) paid to you - max 10 days = £1,000

• If you are called to Jury Service.

• If any of your employees are called to Jury Service.

• In addition to any amount paid by the courts

Statutory Licences ProtectionLegal representation if an essential licence is under threat of suspension,

revocation, alteration or non-renewal. E.g.:-off licences, restaurants, pubs, petrol stations, pet shops, independent financial advisors, haulage contractors and other statutory licence holders.

- FSB cover you up to £50,000

Data ProtectionLegal representation for the defence of actions brought by the Registrar or appeals against refusal of an application or Enforcement Notice. - FSB cover you up to £50,000

Property ProtectionLegal representation for pursuing third parties for nuisance

or damage or for a breach of a repairing covenant. - FSB cover you up to £50,000

Personal ProtectionLegal representation for the pursuit of legal rights following injury also for an injunction to prevent the return of an assailant or troublemaker to your business premises.- FSB cover you up to £50,000

FSB CareSupport for members diagnosed with a serious health condition.

• Members have access to their own Personal Nurse Advisor who is there to provide practical information and emotional support.

• An FSB Personal Nurse Advisor can arrange: -

- a home visit- a course of therapy-a course of specialist counselling

Occupational Health for the Self-Employed!

VALUABLE COST SAVING

BENEFITSFOR

MEMBERS

FSB Insurance• Insurance Advice Helpline

- Free to all members• Commercial Insurance• Employers Liability Insurance• Public Liability Insurance• Business from Home Insurance• Vehicle Insurance• Private Lines (Home, Travel, Car) Insurance• Professional Indemnity (Therapist, Business Coaches,

Marketing Consultants, Business Consultants etc)Negotiating Business Insurance on behalf of over 200,000 members

FSB Business Banking• No monthly service charge•No annual service charges• No fees on standard non-cash transactions• Unlimited number of cheques paid in and debited from your account.

•Lodge up to £2,000 in cash every month.£24,000 per year

• No limit on number of:-direct debits, standing orders, automated credits, debit card transactions and post office deposits.

Members also benefit from:- special rate business or personal loans; Fee free business charge card; Fee free overdraft facility subject to status.

FSB Independent Financial Services:

• Personal Financial Planning

• Corporate Financial Planning

• Retirement Planning

• Savings & Investments

• Life Insurance

Auto Enrolment Pension Schemes for your staffplus

• Life Insurance

• Income Protection

• Business Protection Planning

• Loans & Mortgages

• Tax Planning

FSB Merchant Services

• Free merchant services account.

• Corporate transaction rates for accepting :- all credit card payments-all debit card payments.

• Choose from: - fixed terminal. - mobile terminals. - e-commerce solutions.

With over 20,000 machines, the FSB is one of the UK’s largest affinity groups for accepting credit card transactions.

Business Financial Services-FSB Debt Collection - No win no fee basis. -Credit check your new customers. -International tracings.

-Invoice Factoring

-Asset Finance

-Business continuity planning

-FSB Cash Advance

FSB Telecom• Special rates for fixed line and mobile telephony.• Free line installation FSB Fuel Card• Discount on diesel from hundreds of UK petrol stations.

FSB Vehicle Services• Car and Van discounted prices plus contract and lease buy services

FSB Telecom• Special rates for fixed line and mobile telephony.• Free line installation FSB Fuel Card• Discount on diesel from hundreds of UK petrol stations.

FSB Energy• Savings on utility costs.

Business MarketingServices-FSB Business Leads - Access to discounted data lists – you select post code area, business sector, turnover, number of staff – nationwide.

-FSB Print & Mail – 240 + templates to choose from. Simply select design, add text and images PRINT AND POST FOR LESS THAN THE COST OF A STAMP, no minimum quantity - send just one.

FREE Members exclusive magazines

• Bi-Monthly magazines include:

•First Voice of Business -The FSB’s National Publication

• Voice of Business -Monthly Publications produced by FSB regions. Includes: Business Information –usual subscription £90pa

FREE Members Exhibitions and Events Hosted or Sponsored

by the FSBMembers will be invited to attend:

- Networking Events- Regional Business Events- Local Business Events- Exhibitions- Members’ Corporate Events

Why not meet and introduce your business to other members. Plus free listing on our online directory

FOR MORE INFORMATIONFor further information or a free one-2-one meeting: or if you simply want to join call:

T 07939 510 186E alan.cole@fsb.org.ukW www.alanjcole.com