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Conop Financial Services, Whitchurch (2026)

21/08/2023

RUNNING OUT OF TIME ALL THE TIME?

When you’re running a small business, we know the pressure is all on you. There are never enough hours in the day.

WE’RE READY TO STEP IN AND HELP

When you decide to share the load with an unflappable online personal assistant, you’ll be back in control. We are simply that 25th hour in your life.

LET’S CREATE TIME AND SAVE MONEY

Our clients enjoy fast, efficient and cost-effective business and lifestyle management, through our personal assistant and virtual assistant services.

Want to send an email newsletter?
We’ll design the template

Receipts all over the place?
Hand them over

An endless to-do list?
Pass it to us and relax

AN ONGOING RELATIONSHIP

We may be virtual personal assistants, but we are real people with long-term professional experience, and you will get to know us.

SMALL BUSINESS EXPERTS ON TAP

Our approachable online personal assistants understand you, as they are small businesses themselves.

LIFESTYLE ASSISTANT

Individuals often need help in their private capacity, organising an event or running a complicated household or Airbnb. We can step in here too.

29/05/2023

Payroll

Is your payroll driving you crazy?

Taking up far too much of your time?

Let us help, we will ensure a smooth process in a timely manner,

You send us the info and we will do it all for you

email: [email protected]
For more info

25/05/2023

Self Assessment season is in full swing, send us a message to see how we can help you 😀

25/05/2023

Welcome to Conop Financial Services. Based on the Wales, Cheshire & Shropshire border we are very lucky to be able to cover all of Shropshire, North Wales and Cheshire.
We are dedicated to finding financial solutions for your business.
Have you ever asked yourself the following questions?
* Am I too busy running my business and finding it a burden to stay on top of my accounts?
* I really need to free up more hours to progress my existing business but how do I find the time?
* Do I need a little guidance with the figures while I start out on my new business venture?
* How to I keep track of all this paperwork?
Don’t worry we can help you.
Business owners can save time and money by outsourcing their bookkeeping & accounting to a reliable and trustworthy accountant.
Conop Financial Services can meet all your bookkeeping and accountancy needs, keeping your business on top of its finances, freeing your time to focus on the growing needs of your business.
We are here to help you with :-
* Completing Year End Accounts
* Preparing and filing VAT Returns
* Preparing your monthly or weekly payroll
* All regular bookkeeping requirements
* Business Planning (i.e. Budgeting, Cash Flow & Preparation)
* Invoicing
* Payroll
* Inital business HMRC registration & setup
* Going limited
We offer monthly, weekly, daily and hourly fixed pricing fees to avoid any nasty surprises.
We can also raise bespoke quotations if your business requires something more flexible.
You can call, Email or contact us using our Facebook, Website or Instagram page to arrange a no obligation 1 hour initial consultation.

28/02/2023

Choosing a tax agent

A tax agent is someone who deals with HMRC on your behalf. You're basically authorising them to discuss your affairs with the taxman. Technically, you could authorise someone like a friend or relative to be your official agent. People sometimes do that when they're ill or otherwise unable to handle HMRC themselves.

For things like tax rebates and Self Assessment returns, though, people generally turn to the professionals.

Of course, it's possible to muddle through without an agent at all, if you like shuffling your own paperwork. Then again, if you don't know your way around HMRC, you might end up missing out on a refund, finding yourself having to sort out being chosen for an HMRC enquiry or getting tangled up in the Self Assessment system.

TAX AGENTS

How do I know I've got the right tax agent for me?
There are a few key things to keep in mind when you're choosing a tax agent:

Remember that you're picking someone to represent you. That means you need to be sure they've got your best interest at heart.
HMRC have standards that they expect agents to stick to.
They'll be looking for your agent to be honest with them and careful with their clients.
They'll need to keep your information secure and up-to-date and to provide it to the taxman whenever it's needed.
There are, of course, plenty of laws and regulations about this sort of thing.
HMRC really doesn't like it when they suspect an agent is trying to put one over on them. That means you've got to be wary of agents making offers that are literally too good to be true.

The point of tax rebate claims and Self Assessment help is to make sure you pay exactly the right amount of tax. HMRC will never deliberately try to cheat you, and they expect the same level of care and honesty from your agent.

AGENT AUTHORISATION

Can an agent sign forms on my behalf?
No. A tax agent can take a lot of weight of HMRC paperwork off your shoulders, but there are some things you need to do personally.
The most important official forms you'll have to sign are:
64-8 Authorizing your agent (this is the one that lets your agent act on your behalf with HMRC)

Those rules may seem annoying but they are actually there for your own protection. It's about keeping you safe from fraud, so run a mile if your ''agent'' offers to handle those signatures for you.

Why should I choose Conop Financial Services?
When you're dealing with complex areas like tax rebates, CIS returns, PAYE, VAT inc Flat rate options & TOMS Scheme, those tiny details can really matter.
Making the wrong choice could means missing out on money you're owed or, worse still, claiming for things you aren't entitled to.
Here at Conop Financial Services our specialist teams to take care of every aspect of your tax refunds or returns.
We don't miss the fine details and we never claim for anything you aren't owed.

22/02/2023

3 Reasons Why You Should Use a Bookkeeper & Accountant

Successful businesses who have become household names and are considered giants in their industries have one thing in common. They all have well-equipped bookkeepers and accountants to take care of their finances and keep everything intact.

In the business world, it’s no secret that every industry titan runs on numbers to keep everything afloat. Regardless of whether it’s a large global company, rising startup, or partnership, each type of business relies on the proper use and management of numbers to attain success and growth.

From marketing to human resources, your business’s financials are connected with every aspect of the company you run, which makes perfect sense as to why you need the services of a professional.

As your business continues to grow, the more you’ll realise that each financial statement and accounting report grows more important. Professional bookkeeping and accounting in particular are the main tools that you need to ensure that your business can achieve growth and success.

Should you find yourself considering the possibility of hiring a bookkeeper and accountant to keep your business running smoothly, then here are a few reasons that can act as a push in the right direction:

You might not be familiar with accounting practices as much as you think
Having a knack for entrepreneurship and the determination to succeed doesn’t necessarily equate to having the same skills as an Accountant or financial professional. If a run-of-the-mill quarterly financial statement confuses you more than it’s supposed to enlighten you, then take your frustration as a sign to outsource the help of an accountant and bookkeeper.

Accountants and bookkeepers can act as your business’s compass regarding its financials, ensuring that everything is set in place and conducive for growth.

Professional accountants and bookkeepers are trained to work around your inability to understand jargons and simplify accounting concepts. They can tell you about what’s happening—and most importantly, what you need to do.

Your revenue may be increasing, but your profit isn’t
A case of “increasing revenue, stagnant profit” is more common in growing businesses. Should you discover that your profit isn’t increasing at all while more sales are rolling in by the day, then it’s best to hire an accountant or bookkeeper to help solve your problem.

By hiring an accounting or bookkeeping professional to understand your profit troubles, you’ll get the help that you need to cut costs, attain growth, and push your profit margins to where they need to be.

Your business is growing, but there’s no way to control what’s happening
Whilst making more money, having an inbox filled with investment pitches, and raking in more sales is a great thing, not being able to control your company’s finances during growth is a recipe for disaster.

When your business expands, the need for investment and spending increases as well— which means more number crunching, paperwork, and analytics that you probably can’t handle. In cases of growth, it is paramount to bring in the services of a bookkeeper or accountant to ensure that your finances are organised, which is essential for business growth and compliance.

As an additional bonus, bookkeepers and accountants take care of all your number work for you, leaving you with spare time that you can use to concentrate on growing your business even more.

The services of both bookkeepers and accountants have been relied upon by global businesses and household names for centuries to keep everything afloat as the challenges of growth stand strong. If you’ve been looking to improve your business in terms of its financials in the long run, then take a tip from the other players in your industry by hiring the services of an accountant and bookkeeper right away.

If you’re looking for accounts and bookkeeping services, get in touch with us today to see how we can help.

18/02/2023

VAT

Most people will have heard of VAT. What people might not realise is that a third of all revenue collected by the government comes from VAT.

VAT not only affects businesses but every one of us in purchases that we make (both online and on our high street). Despite its importance, it remains one of the least understood of all taxes.

To the high street consumer, VAT becomes part of the price, and we often do not even think about it. Businesses, however, have a different outlook on it. VAT is often profit neutral but nevertheless an important area of their activities. Failure to account for it in the correct manner can lead to serious issues.

This guide is aimed towards businesses, rather than the general consumer.

What is VAT?

VAT is a tax imposed on most goods and services in the United Kingdom. VAT is a consumption tax that is levied at each stage of the supply chain, from production to final sale to the consumer. Businesses registered for VAT must charge VAT on the goods and services they supply and pay the VAT they have charged to HM Revenue & Customs (HMRC). They can also claim back any VAT they have paid on their business expenses.

What does VAT stand for?

VAT is an acronym for Value Added Tax and was introduced in the UK in 1973.

What is the VAT rate?

There are 3 rates of VAT chargeable in the UK and each rate depends on the goods or services being provided. The table below sets out these rates and what they generally apply to.

Rate

Charge

Applied to

Standard

20%

Most goods and services

Reduced

5%

Some goods and services such as home energy, children's car seats, residential property conversions, etc.

Zero

0%

Most foods and children's clothing

VAT does not apply to all sales and some are either exempt from or outside its scope. For example, insurance, health care, postage stamps and education are exempt. Statutory fees, goods or services bought and used outside the UK, and donations to charities, are outside the scope of UK VAT.

What is the VAT threshold in the UK?

You must register for VAT if your taxable turnover exceeds £85,000. Taxable turnover is all turnover generated by sales that are not VAT exempt. Even turnover on which the VAT rate is zero is classed as taxable turnover.

Companies who do not pass this threshold do not need to charge VAT on the sale of their goods or services. They also do not need to register with HM Revenue & Customs (HMRC).

This turnover threshold is measured in a rolling 12-month period, rather than a fixed period like the tax year. It could be any period of 12 whole months, for example, the start of June until the end of May.

Un-registered businesses whose turnover is close to the registration limit should keep an eye on this. There are strict deadlines for submitting the registration and charging VAT, once you have passed the turnover threshold.

Registering for VAT

VAT applies companies, partnerships, and sole traders.

HMRC will issue a VAT registration certificate. This will confirm the VAT number, effective date of registration and when the first VAT return is due.

Note that any business with a turnover below the threshold can choose to register for VAT. This is known as voluntary registration. Advantages of voluntarily registering for VAT include reclaiming VAT on purchases and creating a more trustworthy image for your customers.

Accounting for VAT

Once registered, a business will need to include the relevant rate of VAT on all their taxable sales. This is output tax. VAT is ultimately paid by their customers, but it is the business’ responsibility to pay this to HMRC.

Businesses can usually reclaim VAT paid on business related purchases, known as input tax. Some items are not eligible for VAT reclaims. These include entertaining costs, cars and (for unincorporated businesses) private use purchases.

How to calculate VAT

Calculating VAT is quite straightforward. To find VAT-inclusive prices, you can multiply the price excl. VAT by 1.2, thereby adding the standard 20% rate of VAT to the price. For the 5% reduced rate of VAT, multiply the price (excl. VAT) by 1.05.

To calculate VAT-exclusive prices, divide the total price (including VAT) by 1.2 for the standard (20%) rate, or by 1.05 for the reduced (5%) rate.

What is a VAT return?

VAT registered businesses must report the amount of output tax and input tax to HMRC via a VAT Return. This is usually completed every quarter. Most VAT registered businesses with a turnover over £85,000 must also follow the rules for Making Tax Digital (MTD) for VAT. These rules were introduced in April 2019.

What is my VAT number?

A VAT Number is a unique code that is issued to a company that is VAT registered. This is also known as VAT Registration Number. A VAT number is 9 digits long and will usually feature GB at the start. HMRC issues companies a VAT registration certificate which will show their VAT number.

It is very important that you check your VAT number whenever submitting VAT returns. Mistakes in your VAT return can cause delays, while HMRC may disallow your tax input claim.

How to check if a company is VAT registered

You can check whether a UK company is VAT registered using a service on the UK Government website. This service lets you check if a VAT Registration number is valid. It will also let you look up the business name and address that the number is registered against. You cannot use it to keep a record of when you have checked a UK VAT number.

VAT Penalties

VAT registration is a legal obligation. Failure to adhere to these rules can lead to penalties and, in the worst cases, a custodial sentence.

The penalty levied by HMRC for late registration is calculated as a percentage of the VAT due (output tax less input tax), from the date when a business should have registered to the date when either HMRC receive your notification, or became aware that you were required to be registered. The rate of penalty depends on how late you were in registering:

If registered

Penalty rate

No more than 9 months late

5%

More than 9 months but not more than 18 months late

10%

More than 18 months late

15%

HMRC also charge surcharges if they do not receive the VAT return or full payment for the VAT due by the deadline. These surcharges can be up to 15% of the VAT outstanding at the due date. HMRC also have the power to levy penalties of up to 100% of any tax under-stated or over-claimed if a business sends inaccurate returns.

This article aims to be a quick introduction to VAT. But the reality is that the scope of VAT is far wider and can be extremely complicated.

HMRC takes VAT compliance very seriously, so businesses must account for VAT correctly. Specialist advice is highly recommended.

The UK government introduced a new VAT penalty regime in January 2023

Can you claim VAT back in the UK?

You may be able to reclaim VAT on goods and services that are used exclusively by your business. These goods include computers, office furniture, and transportation. You can also include third-party vendor costs (such as accountants).

You cannot reclaim VAT on goods and services intended for personal use. Nor can you claim back VAT on business entertainment costs.

Reclaiming VAT requires completion of a quarterly VAT Return. Calculate the difference between the VAT your business paid, and how much VAT the business charged during an accounting period.

The process of reclaiming VAT is complex, and there are many exceptions, exemptions and caveats to consider. We recommend discussing your requirements with a qualified business taxes expert.

What items are not subject to VAT?

Many goods and services are exempt from VAT. But there are often items within a goods or services category for which VAT is chargeable.

For example, food and drink is generally zero-rated for VAT. Exceptions to this include hot food, crisps, alcoholic drinks, confectionery and soft drinks. Many of these exceptions have exceptions of their own!

There are far too many specific items to list here. For an in-depth look at which items are exempt from VAT (or zero-rated), consult a VAT specialist.

Do charities pay VAT?

Any business that makes sales that exceed the UK VAT threshold must register for VAT. This can include charities and their trading subsidiaries. VAT registered charities must charge VAT on any standard or reduced rated goods or services.

Charities may be able to claim VAT relief on certain goods and services. They may also be able to reclaim some of that VAT from HMRC. We recommend that charities consult a tax expert to determine whether they qualify.

What about properties and VAT?

Property related transactions can cover the full gamut of VAT possibilities. They can be exempt, zero-rated, reduced-rated or standard rated.

Different rules can apply to purchases and sales, residential, commercial, or charitable buildings, construction, renovation and conversion. There can be a little flexibility with commercial property. It is important to decide on the correct approach at the outset because there are also pitfalls.

Property transactions tend to be high value. This means getting the VAT treatment wrong can be expensive

For more guidance on VAT get in touch and speak with one of our team who are on hand to help.

16/02/2023

Payroll

In a nutshell, payroll is the entire process that handles an employee’s wage and tax. The physical payout of wages and taxes is handled by PAYE (Pay As You Earn), which is a UK government scheme administered by HMRC.

Do you need to use payroll?

If you have any employees, then you need to set up payroll. Failure to do so will result in some hefty fines and penalties against your company, so as soon as you hire someone you need to sort payroll out ASAP.

Generally, this only takes 3 steps.

Register your business as an employer through HMRC.
Register your employee with the HMRC using a Full Payment Submission (FPS).
For this, you’ll need details such as your employee’s full name, address, tax code, date of birth, start date, salary and student loan information. You’ll also need their P45.
Set up your PAYE system and begin your payroll process.
The set-up for payroll is relatively simple, but there are steps that you have to do every month to make sure that you pay your employees and tax correctly.

How to run monthly payroll

A tax month runs from the 6th of one month to the 5th of the next. Each tax month, your business will have to complete some actions to make sure that your payroll is correct and compliant.

These actions can be completed using payroll software. If you don’t have payroll software, you can research and choose one from a list of HMRC-approved software here.

Record the pay of all your employees, whether it’s salaried or hourly.
Calculate all deductions from their pay, including Income Tax and National Insurance contributions. You can read more about deductions later in this guide.
Calculate the amount of National Insurance that you’ll have to pay as an employer. This is a fixed rate of 13.8% per employee over 21 years old.
Produce payslips for your employees.
Report all pay and deductions to the HMRC using an FSP (Full Payment Submission).
Once completed, you’ll be sent a balance of what you owe the HMRC in your online account within 2 days. This payment is due by the 22nd of each month unless you pay less than £1,500 a month, in which case you can apply to pay quarterly payments instead.

Any late or incorrect filings can occur a penalty charge, so it’s important that you get this information right and on time.

Eight steps to making your Payroll Year End easier

Meeting your obligations as an employer to your staff and HM Revenue and Customs (HMRC) can often be confusing and time-consuming, preventing you from doing what you do best – running your business.

What’s more the payroll year ends on 5th April 2023, so time to get organised – but don’t panic as you still have time to get everything ready and it’s even easier with the help of our expert team at Conop Financial Services.

To make preparing for the Payroll Year End simpler, we have provided this eight-step guide to putting your payroll in order.

Step 1 – Employee details

Make sure all your employees’ details are correct and up to date on your payroll software.

Step 2 – Pay

Use the time in the lead up to the Payroll Year End to check through the previously submitted pay details to ensure you have reported all your staff’s pay correctly. You will be amazed at how many things can go unnoticed, such as a bonus left on the payroll for three months instead of one.

Step 3 – Last pay run

Process your last pay run that falls on or before 5th April 2023 and check you are happy with your employees’ year-to-date figures.

Step 4 – Process Leavers

You should process any leavers before you do your final submission, so this information is recorded in the correct tax year.

Step 5 – Week 53

If you run a weekly payroll (including fortnightly or four-weekly) then you may have to complete an extra pay run, called a week 53. This will happen if you’re due to pay employees on the tax year end date, 5th April. Your software will reveal this for you by showing an extra pay field.

Step 6 – Send you final Full Payment Submission

Once you are happy with all the above, you can then submit your final Full Payment Submission (FPS) to HMRC. This tells HMRC to lock down the figures for this tax year for each employee. If you didn’t pay anyone in the last period before 5th April, then you will need to submit an employer payment summary (EPS).

Step 7 – P60s

Produce your employees P60 forms as each member of your staff is legally entitled to this form and it needs to be with them by 31st May 2023.

Step 8 – New Year

At this point you will have completed your Payroll Year End process, but this is also a good time to look at the year ahead. You should check that all your current employees have been rolled over into the new tax year 6th April 2023 to 5th April 2024.

Some employers also look at awarding pay increases at this time of year, so it is worth getting these set up if applicable.

We can help with your payroll

Hopefully the above steps will make managing your payroll a little easier, but don’t forget that our friendly and experienced team at Conop Financial Services can take this task off your hands as we offer a comprehensive payroll service.

14/02/2023

What is a business plan?

Starting a business is exciting. You’re bursting with so many ideas, you might be tempted to rush your plan to get to the fun stuff.

But a business plan isn’t something you write down when you’re setting up and never look at again. You’ll refer back to it often, making sure you’re hitting your goals and getting the best from the brilliant ideas you come up with at the beginning.

And if you’re looking for funding, your business plan needs to convince people to back your idea.

So it’s not an overstatement to call your business plan the ‘bible’ you’ll use to help establish your company.

And while business plans come in different formats, most of them include the same core sections. If you want to read an example business plan before you get stuck in, find out where to get one below.

Business plan examples
Before you start writing, it might be useful to get some inspiration from other business plans.

Whether you're looking to start a business as a candle maker or dog walker, read some business plan examples to familiarise yourself with how to approach your type of business.

Once you’ve got an idea of how other businesses have written their business plan, it’s time to start writing your own.

How to write a business plan: step-by-step

How to write an executive summary for a business plan
The executive summary goes at the beginning of your business plan. As it’s a snapshot of your plan, it’s often best to write it last.

This section is common in many business documents, from client reports to business proposals for new projects.

It’s designed to hook readers with your idea, giving an overview of your plan – including what makes you different, how you’re going to market your ideas, and how much money you expect to make (and spend).

As the executive summary is at the beginning of the document, it’s important to make a good impression on your readers. We’ve got a guide on how to write an executive summary, with a quick six-paragraph plan you can use to structure yours effectively.

Your business
This is where you jump in and start talking about your idea. This section should include:

the problem – what’s the need for your business? What’s the problem you’re solving, or what’s the opportunity? Why would people want what you’re selling?
the solution – how are you solving the problem? What will your business do? How does it meet the needs you’ve identified? And importantly, how is it different?
your history – how long has your business been established? If it’s new, what’s your experience in the sector or industry?
business structure – who are its owners and what is its legal structure?
The market
Here you explain industry trends and the competitors you’re up against. It’s where you include the market research you’ve carried out.

This research can be quantitative (based on measurable data and statistics), qualitative (based on gathering individual experiences and opinions), or ideally both. This section should answer:

where you’re selling (and who to) – who are your potential customers and what are their characteristics?

How will you target them?

How many customers are you targeting?

Will that number grow?

Where do those customers shop at the moment?

Do you have any existing customers, or confirmed orders?

market trends – how is the market changing? Is it growing?

Are tastes changing?

What are the reasons?

The competition – a competitor analysis answers questions about your competition.

How will you attract customers from your competitors?

What advantages and disadvantages do you have against them?

How do you think your competitors will react when you start out?

How will you respond?

SWOT analysis
SWOT stands for strengths, weaknesses, opportunities and threats. This is a very important part of your business plan, because it helps you drill down into your idea. You usually format a SWOT analysis in a grid on one page – four squares, one for each section. Then you make notes in each square.

Formatting the SWOT analysis in a grid helps you see how the different elements of your idea interact. For example:

How will your strengths help you capitalise on opportunities?
How will your weaknesses amplify threats – and what strengths can help you overcome them?
Completing SWOT charts for your competitors too should help you see how to win business from them.

Strategy and ex*****on
Now that you’ve done some analysis, in this section you can explain how you’re actually going to run your business.

Here you’ll include a number of sub-sections:

marketing and sales – explain more about your product and service, including its features and benefits.
Talk about your pricing strategy, and how you’re going to promote your product, and how exactly are you going to sell?
Which channels will you use – is it direct to the customer, online, or through other retailers?
operations – where’s your location and what premises are you looking at?
Is it suitable for long-term growth?
How are you going to keep accurate records (for example, of stock, sales, accounts and quality control)?
Your team – are you the only one running your business or are you planning on hiring staff? How will you structure your team?
Outline each team member’s experience, and what they bring.

You might also want to include any outside advisors and experts you’re using, like accountants

Financials
Here you detail the numbers – especially important if you’re looking for investment. The financials need to be realistic, accurate and watertight.

Here’s what to include, presented in raw figures and charts:

Sales forecasts and the cost of goods sold – estimate what your sales will be in the future, listing the goods or services you’re selling as well as the cost of each unit.
From this, you can estimate profit- a profit and loss forecast – an overview of sales, cost of sales, overheads, profit and loss & cash flow statement – cash flow is what keeps you afloat – with no money coming in, you can’t run your business.

The cash flow statement shows you how much money you generate over a specific time period, as well as what you’re paying out.
Balance sheet – shows an overall picture of your financials at a specific point in time. It summarises your assets (what you own), liabilities (what you owe) and equity (the net difference when you subtract liabilities from assets)
The detail you need here depends on what stage you’re at with your business, as well as the size of your business.

You might want to ask for expert help and advice on crunching the forecasts.

Appendices
While the business plan itself shouldn’t be long and complicated, there might be information you choose not to include in the body of the plan itself that people should refer to.

This can include graphs, tables and notes. You can signpost the relevant appendices people should look at throughout the body of the business plan.

Top tips for writing a business plan

When you’re using business plan templates, keep the following in mind.

Know your audience. Remember who you’re writing for – is the business plan primarily for your own use, or are you looking for a loan, or even equity investment? Keeping your audience in mind will help you stay on track.

Keep it concise. Keep your plan snappy. While you don’t want to miss out crucial detail, you should also bear in mind people’s attention spans. Don’t turn in a 100-page plan.

Keep it simple. It’s likely your plan will be seen by people who don’t have intimate knowledge of your industry, so you need to make sure that it’s written in language that’s accessible to people without specialist experience.

Don’t forget the presentation. Tables, graphs and charts can help you get information across better than blocks of text. It’s also worth thinking about how to ‘pitch’ your plan to investors, potentially in a presentation that gives the toplines from your plan.

All ready to go? Now insure your new business

It’s important to look at business insurance when you’re starting out, because it helps protect you if anything goes wrong.

Most businesses should consider public liability insurance, which covers you if a member of the public gets ill or injured and blames your business.

Other covers to think about include employers’ liability insurance (usually a legal requirement if you have staff) and professional indemnity insurance, if you give advice as part of your business.

Conop Financial Services

21/08/2023

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