The Federation of Small Businesses (FSB) is the UK's leading business membership organization, formed in 1974 to represent small businesses. It currently has around 200,000 members. The FSB lobbies at the highest levels of government in Westminster, Cardiff, Glasgow, and Northern Ireland. It provides invaluable legal and tax advice, employment dispute protection, protection against HMRC and other agency investigations, statutory license protection, and other business services and cost savings for its members.

1. The Federation of
Small Businesses
The UK’s Leading
Membership
Organisation
A presentation by Alan Cole of AJC Business Management Ltd

2. 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

3. FSB Engagement at
the highest level
Employed teams
of lobbyists for
Westminster,
Cardiff, Glasgow
& Northern Ireland

4. INVALUABLE
BUSINESS
PROTECTION
FOR
MEMBERS

5. Legal Advice Help lines
Expert 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 !

6. 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.

7. 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

8. 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)

9. Legal & Tax Information On-
Line
Legal 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

10. 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

11. Statutory Licences Protection
Legal 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 Protection
Legal 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

12. Property Protection
Legal 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 Protection
Legal 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

13. FSB Care
Support 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!

14. VALUABLE
COST SAVING
BENEFITS
FOR
MEMBERS

15. 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

16. 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.

17. FSB Independent Financial Services:
•Personal Financial Planning
• Corporate Financial Planning
• Retirement Planning
• Savings & Investments
• Life Insurance
Auto Enrolment Pension Schemes for your staff
plus
•Life Insurance
•Income Protection
• Business Protection Planning
• Loans & Mortgages
• Tax Planning

18. 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.

19. 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

20. 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

21. 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.

22. Business
Marketing
Services
-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.

23. 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

24. FREE Members Exhibitions and
Events Hosted or Sponsored
by the FSB
Members 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

25. FOR MORE INFORMATIONFor further information or a free
one-2-one meeting: or if you
simply want to join call:
T 07939 510 186
E alan.cole@fsb.org.uk
W www.alanjcole.com