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.
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.
'I just felt wow, I want to be part of this organisation so I joined.'
'Having someone there like the FSB who you can just call on for those other things you’re not quite sure on, it’s been invaluable.'
'What you can save by taking up some of the membership offers will save you your membership fee.'
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 £177 in the first year and our specialist Business Creation package has a fixed price of £133.
Understanding whether or not your business needs to sign up to workplace pensions might feel a little tricky at times.
While most businesses will already be at the point where automatic enrolment is an obligation, there are also many situations in which a business won’t have to do so. A common worry is not fully understanding a business’s obligations, and facing the risk of escalating fines from the Pensions Regulator.
Our guide on workplace pension exemptions will help you work out if you do or do not have any workplace pension enrolment obligations, and who among your staff will be exempt.
If you’re a sole trader with no other employees, you have no workplace pension obligations whatsoever.
Keep in mind, however, that your business might eventually grow, and you may not stay a sole trader for very long. Once you’re in a position where you need an additional member of staff to keep your business running smoothly, you cease being considered a sole trader.
Once you’ve hired a new staff member, you are both considered employees by the government. As such, whether or not you decide later to opt out, you and all your employees will have to enrol into a workplace pension.
One of the more interesting exemptions is when multiple people in the business are classed as directors, but there are no standard employees working for you. This might be the case for example in a family-run business..
If you are the director of your business and you hire an employee, then you’ll need a workplace pension.
However, if there are three people working in the business, for example, and all three are officially noted as directors of the company, there are no workplace pension obligations to meet.
None of these staff members will be considered employees by the government.
That said, despite being exempt from auto-enrolment, there is nothing to stop yourself and other directors choosing to take part in a workplace pension scheme if you’d like to get a head start on saving for the future.
As before, though, once a regular staff member is hired, all staff, directors or not, will have to be signed up to a workplace pension.
If you have any staff working for you part time, then there may not be any pension obligations for them depending on how many hours they work and what their eventual, pre-tax, annual salary is.
There are two main circumstances where your employees will be classed as exempt from automatic enrolment to a workplace pension:
If your employees earn either below £5,876 or between £5,876 and £10,000 annually, automatic enrolment into a workplace pension will not apply.
However, these staff members still have the right to ask for access to a workplace pension. The key difference here is that employers are not required to contribute to the pension fund for staff earning under £5,876, while they will have to contribute as normal for those earning between £5,876 and £10,000.
Staff who earn above £10,000 will have to be automatically enrolled as normal, but they can choose to opt out if they prefer.
No matter how many of your staff choose to remain enrolled in a workplace pension, making sure you’ve met your obligations when it comes to eligible staff is vital to ensure that you avoid any costly fines.
FSB Workplace Pensions can help ensure the process of signing up to and offering a workplace pension is simple and efficient. Features and benefits of this service include:
To find out more about this service, which is available as part of our FSB Business Essentials package, take a look at our Workplace Pensions page or get in touch with a member of our team now.
With expert advice and guidance from a leading provider, it's one of the most popular FSB Member Benefits.