Running a business is challenging. Whether it be sales and marketing, finance, ensuring adequate cashflow or staffing, there are a myriad of topics that need to be addressed. Here we explain the various issues that business owners need to consider in relation to protecting themselves and their workforce.

Auto-enrolment legislation has been designed to encourage a retirement savings culture in the UK. This legislation requires all employers to automatically enrol some or all members of their workforce (depending on age and salary level) into a pension scheme that meets certain minimum standards. Some workers will also have the right to ask their employer to enrol them.
In the interests of financial security, business stability, and continuity - particularly for private limited companies where there may only be a small number of principal shareholders - it is essential to provide a safety net following the loss of a shareholder
One of the great risks of a business partnership is that one of your colleagues may die, with his or her share of the business passing to someone else. The safety net is a pre-arranged scheme to ensure the surviving partners have enough funds to buy out the interest in the business, or compensate the deceased’s dependents.
Key person insurance, also formerly called key man insurance, is an important form of business insurance. There is no legal definition for 'key person insurance'. In general, it can be described as an insurance policy taken out by a business to compensate that business for financial losses that would arise from the death or extended incapacity of the member of the business specified on the policy.

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