Whether you're interested in the smaller business community, are planning to start a business or have an existing business, we have a package for you.
Our most popular package is FSB Business Essentials which includes a whole range of benefits and products designed to make your business fly
A suite of legal benefits including a dedicated helpline, bundled insurance products and a range of online information to keep your business safe. Plus a whole range of negotiated benefits to help save you money and win business.
Our Business Creation package is designed to make starting a business simpler, allowing you time to focus on what's important - making it a success.
Specialist company formation benefits, access to FSB networking, business banking and a range of products to help get you setup in business.
Joining FSB Connect is free and is a great way to be part of the FSB Community and have your voice heard.
You'll be able to access specialist networking events with like-minded members of the community and have your say in our Big Voice survey panel.
Whatever your circumstances, we have a package to suit you and your business. Click the button below to see which benefits are included in each package and start your FSB journey.
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We represent a diverse range of businesses from retailers to marketing agencies and just about everything in between. Take a look at more member stories and see how we could help your business fly.
More Member Stories
We offer three packages to suit your business needs. Joining FSB Connect is free, our Business Essentials package starts at £172.50 in the first year and our specialist Business Creation package has a fixed price of £129.
In its third increase in just two years, insurance premium tax (IPT) rose from 10 to 12 per cent in June; a growing burden since the tax was introduced in 1994 at just 2.5 per cent.
The impact on the public as car insurance premiums rise has attracted much of the attention. But it puts further pressure on UK businesses, particularly those already paying large premiums, at a time of growing uncertainty following the UK’s decision to leave the EU.
Yet there are things a business can try to reduce their premium and match or beat the increase, without reducing the cover provided by their policy:
The first option for those businesses who have used the same insurer for years is to challenge them to ensure they are offering the very best deal. Some insurers and brokers may just hope their clients are too busy to assess what’s on offer and accept the first renewal offer.
Businesses paying significant premiums, typically more than £10,000 per annum, with claims below an agreed level may be able to agree rebates with some insurers when agreeing to renew. Rebates will usually range from 5 to 15 per cent of the annual premium and a good broker will be able to guide a business through the options available.
For businesses with a history of making small or no claims, accepting a larger policy excess could help attract a premium discount that covers the IPT increase.
With experience over time, businesses typically improve their processes, improve security, consolidate services or reduce their overall risk. But many forget to explain the changes to their insurers, who might reduce the premium based on the likely reduction in risk. If in doubt, ask.
The same changes that can reduce risk may also make some additional cover obsolete, but still being paid for. Premiums might include cover for large amounts of cash on the premises, when the majority of transactions involve card payments. It makes sense to consult a broker and consider every aspect of cover to ensure the right cover is achieved, while only paying for what is strictly necessary.
Although it’s still best practice to review your cover annually, there are insurers that may guarantee premiums or offer discounts for policies that run beyond the usual one year, to perhaps two or three years (further IPT increases would still be applied).
This introduces some certainty when budgeting and can make additional benefits available, like interest-free instalments, or even a contribution to make improvements in the business that will reduce risk to the insurer – a genuine win-win.
Hassle free - a dedicated team removes the hard work of searching for insurance, we work as a broker to find you a policy for your circumstances.
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National Federation of Self Employed & Small Businesses LimitedSir Frank Whittle Way / Blackpool / FY4 2FE. National Federation of Self Employed & Small Businesses Limited (FSB) is registered in England, number 1263540