Contact
FSB Employment Protection
FSB Legal Advice Line: 0345 0727 727
FSB Tax Investigation Protection
FSB Legal Advice Line: 0345 0727 727
Report a claim online via the FSB Legal and Business Hub.
FSB Legal Protection Scheme
FSB Legal Advice Line: 0345 0727 727
Report a claim online via the FSB Legal and Business Hub.
FSB Legal and Business Hub Log in at fsb.org.uk/login to gain access.
FSB PR and Crisis Management
Tel: 0345 0727 727
FSB Debt Recovery Log in at fsb.org.uk/login to gain access.
FSB Training Log in at fsb.org.uk/login to gain access.
FSB Healthcare Log in at fsb.org.uk/login to gain access.
FSB Health and Safety Log in at fsb.org.uk/login to gain access.
FSB Occupational Health Log in at fsb.org.uk/login to gain access.
FSB Insurance Service
Tel: 020 3883 7976
FSB Business Banking Log in at fsb.org.uk/login to gain access.
FSB Payments Log in at fsb.org.uk/logink to gain access.
FSB Payroll and Pensions
Tel: 0808 100 1613
FSB Funding Platform Log in at fsb.org.uk/login to gain access.
FSB Making Tax Digital App Log in at fsb.org.uk/login to gain access.
FSB Customer Services
Tel: 0808 202 0888
Email: customerservices@fsb.org.uk
Hello and welcome to FSB.
I’m delighted to have you as part of our thriving business community.
Our mission is to be the leading champion of the UK’s small business owners and the self-employed, providing support and protection for your business.
Now that you’re a member, you have access to a whole range of benefits designed to make running your business easier, from legal and tax protection to expert helplines, business banking offers, local networking and more.
FSB was founded more than 50 years ago to give small business owners a powerful collective voice to political decision-makers and others. Today, as the UK’s largest grassroots business organisation, this is at the heart of FSB. We campaign effectively on the big issues and concerns of the day which can affect your business, based on the experiences of our members.
Everything you need to know about your membership is covered in this booklet, so I encourage you to keep it to hand and safe to make the most of the many ways we can support you and your business to operate and to grow.
I wish you continued success in your business.
Julie Lilley CEO
Kick-start
your membership
We’re so happy to have you on board. In this pack, you’ll find information about the wealth of resources available to you now you are an FSB member. Time to explore!
Denis Pinto
Paul Stevens , Help Locks
Carla Darling Mauda
Wendy Ashworth Walkies
Put the legal helpline phone number in your phone contacts.
Book onto the next Maximise Your Membership event to make sure you get full use of your membership.
Download the membership logo to use on your website and social media channels.
Visit the Legal and Business Hub, download some handy templates and explore the library. Register with the FSB Insurance Service to access important resources.
Familiarise yourself with your local contacts - we have a team of dedicated staff and volunteers located in every region across the UK.
Find your nearest local networking event to attend, or book onto a virtual one.
Download your Commercial Legal Expenses policy documents from your dashboard.
Follow us on our social media channels so we can keep in touch.
Stephen Hall Aberdeen Sewing Machines
For support
From healthcare to payroll, FSB’s support services ensure your business runs smoothly and your team stays healthy.
Employment Protection
Your go-to for employment advice, available 24/7
Stay compliant with employment law. Speak to employment solicitors for advice, download fully-compliant and customisable template documents and have peace of mind with employment tribunal insurance. Members can access and download easy-to-use templates for contracts, policies, letters and more - all at no extra cost.
We can advise on:
• Employee contracts and policies.
• Performance and disciplinary matters.
• Ex-employees and tribunal actions.
• Firing and dismissal.
• Managing employees.
• Recruitment.
• Redundancy, lay-offs and transfers of workers.
• Resignation and retirement.
• Transfer of employees/business.
Kelly Maxwell Kelly’s Heroes Private Tuition
Health and wellbeing in your pocket for just £39 + VAT per year
The FSB Healthcare App provides cost-effective assistance for both you and your employees, featuring 24/7 digital GP services, three in-person physiotherapy sessions, a dedicated counselling helpline, and additional resources to tackle various life obstacles. Included in the App:
• Unlimited 24/7 access to a private GP, by video or over the phone.
• Unlimited virtual physiotherapy assessment and guidance. Where recommended, three in-person sessions are included.
• Built-in Employee Assistance Programme which includes 24/7 helplines staffed by experienced counsellors.
Expert Occupational Health advice when you need it
Our team of experts are here to help you maintain a healthy, safe and productive work environment.
• Occupational Health helps keep your employees safe and productive by tackling health issues that may have an impact on their work thereby helping them to remain in work.
• Keeping your team healthy in the workplace is easier with expert guidance from trusted practitioners offering end-to-end support.
• Whether you need occasional support or an ongoing service, our flexible options include pay-as-you-go case management at £75 + VAT per case and a comprehensive retained service at £250 + VAT for 12 months of unlimited support, tailored to fit your business needs.
Julian Barnes Biddenden Vineyards
Training Health and Safety
Upskill your small business with an online training platform home to 700+ CPD and RoSPA-certified courses discounted for FSB members, as well as selected face-to-face training sessions.
• CPD-certified courses for both business compliance and up-skilling staff.
• RoSPA-certified health and safety courses.
• Personalised training courses (can be set by employer or chosen by individual).
• Unlimited usage for 12 months.
Pricing starts from just £80 + VAT per person with volume-discounted rates available.
Take the risk out of protecting your business. Industry experts are just a phone call away to answer your questions.
• From fire safety to safe working practices, search a regularly updated library of health and safety documents and guidance, all written and checked by professionals.
• Our easy-to-customise templates include policies, risk assessment forms and checklists, making it simple to stay compliant with health and safety paperwork.
• Stay compliant and support your team with four free CPD-certified training modules included.
• Experienced advisors are on hand to recommend the right actions if you’re facing an inspection, so you can continue to trade during the process.
• FSB members can also access exclusive fixedfee health and safety consultancy services.
“I’m at the point now where I’m looking to take on my first employee and, as a first-time business owner, I didn’t have a clue where to start. So, the resources that FSB offered me to employ somebody for the first time have been invaluable.
Rechenda Smith, Nurture Marketing
“When our business started to grow, we needed to look at our pensions and autoenrolment and FSB was our recognised provider for that. We examined other opportunities, but to be honest, FSB provided the best solution for our business.”
Brian Mullan, Dirty Cars Wanted
Payroll and Pensions
FSB members get a bespoke, discounted and fully supported payroll service. From P45s to RTI for HMRC, you’ll be kept up to date with your PAYE calculations, HMRC submissions, automatic enrolment duties, and statutory requirements, leaving you with more time to run your business.
This includes:
• Calculation of pay with necessary deductions (such as student loans, statutory sick pay, statutory maternity pay, statutory paternity pay and National Insurance contributions).
• Production of electronic or sealed payslips.
• Approved payment via BACS.
• Ensuring compliance with HMRC regulations (liaising with HMRC on your behalf, submitting all necessary documentation, monthly submissions, and the filing of end-of-year reports).
• Comprehensive management of reports.
• Pensions/auto-enrolment.
From data collection to payslip distribution to management of your workplace pension scheme, save time and rely on our experienced team for only £5.00 + VAT per payslip.*
*
PR & Crisis Management
With FSB membership you’re covered for up to £10,000 of public relations consultancy from an experienced team. Speak to a PR expert for guidance and get reassurance you are taking the right action. If the worst should happen, crisis communication support is available when you need it most, so you can get back to business.
Gain access to professional PR experts who can:
• Prepare general communications within your business and externally.
• Advise on how to mitigate negative publicity.
• Provide guidance documents on how to protect yourself.
For protection
From legal advice to insurance, FSB shields your business from risks, so you can focus on success.
Legal and Business Hub
Get the documents you need to run your business, all in one place, without worrying about extra fees. Access contracts, agreements, individual clauses, policies, checklists, letters, notices and forms. All our customisable precedent documents are written by a team of legal and technical experts and checked regularly. Whatever document you need, you can rest assured it will be fully compliant, easy to use, and available to download instantly.
Our online library covers a range of topics, including:
• Employment law.
• Tax.
• Health and safety.
• Business operations.
• Debt recovery.
• Property law.
• Data protection and GDPR.
• Immigration guidance.
• Cyber security.
Call
With our free 24/7 legal and employment helpline, we’ll help you through it. You can also book a call at a time that suits you.
Read
Our monthly legal bulletin is delivered straight to your inbox with a round-up of the latest legal news, so you can stay up to date with the important legislative changes that matter to you.
Appoint
Instruct one of our experienced solicitors to act on your behalf at a discounted rate exclusively for FSB members. You’ll have certainty of costs with fixed-fee packages available on certain common legal matters.
Legal Protection Scheme
Protect your business against the unexpected. Legal expenses insurance designed just for small businesses, backed by 24/7 legal advice, expert tax guidance and online support.
Save thousands in legal bills
Legal expenses insurance designed for small businesses and the self-employed. There are no extra fees to pay or policies to take out - it’s all included with your membership.*
Call us on our 24/7 legal advice line before taking any action, and our solicitors will be able to advise you on your next steps.
Court attendance costs: Access up to £250 per day (£2,500 maximum) to cover wages or salary you pay yourself or an employee each day they attend jury service at a Court.
Regulatory compliance: If you need to appeal against a decision, revocation, or alteration of any of your essential licences, we can cover your legal representation fees. We can also cover your costs for appeals against enforcement notices and data protection defence.
Employment disputes: We’re here to help you with covering the costs for legal representation at an employment tribunal, including cover for awards of compensation you are ordered to pay, costs of paying a settlement dispute and tribunal fees.
Criminal defence: If you or your business are facing criminal proceedings, our insurance policy can help cover the legal costs.
Employee extra protection: Your costs are covered should you need to start legal proceedings for a business-related injury suffered carrying out your business activity, provided that the injuries were not suffered on your property.
Crisis communication: We have public relations experts on hand to help you with everything from advice on handling a bad review to writing a press release.
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Ramon Romero
The Climbing Hub
Insurance Service Tax Investigation Protection
An award-winning full general insurance broking service with preferential rates, tailored support and a dedicated insurance advice line.
• Can’t remember when you last updated your insurance? Our business insurance policy review service helps you check whether your current policy still reflects what you do.
• Whether you’re taking out new insurance or revising your existing policy, you’ll find innovative insurance products and enhancements added regularly, just for small business owners like you.
• Answers are just a phone call away. Our experts explain insurance jargon, help you to understand your legal requirements and can advise you on how you could save money on premiums with risk management efforts.
• From localised flooding to accidental damage, prepare for the unexpected and build your business’ resilience with a free Business Continuity Planning kit and preferential rates for FSB members on selected policies.
• Get the right insurance for your business needs and sector such as employers’ liability, public liability, property, indemnity and much more.
• Registered members get 10 free annual credit checks when they sign up to FSB Insurance Service.
Register today. It’s simple, easy and open to all members.
Tax enquiry protection is essential for all small businesses, which is why it’s part of your FSB membership. If we need help from your accountant during an enquiry, pre-agreed fees are covered. No surprise bills.
Even if your books are in order, you can still be selected by HMRC for an investigation at any time, and the costs of your defence can run into the thousands. With cover of up to £100,000 per claim, we’ve got your back.**
Call our tax and VAT advice line, staffed by tax experts, for guidance on taxation matters.
Capital Gains Tax to VAT returns: We handle full and aspect enquiries on Income and Corporation Tax, as well as disputes regarding employer compliance, IR35 or VAT.
We’ll do the talking: Your tax consultant will liaise with you and your accountant as required, meet with you and the HMRC inspector as necessary and handle all enquiry correspondence.
Ongoing reassurance: Enquiries can take months or even years, but we’ll be by your side through it all with unlimited tax advice, leaving you with more time to focus on your business.
Peace of mind with PAYE: We take away the stress of a PAYE compliance audit. Whether it’s a dispute or information requests from HMRC, our tax experts are on hand to help.
24/7 guidance: Search our online legal library for downloadable guides, templates and factsheets covering a range of taxation matters, all updated regularly.
**Terms and conditions apply.
“FSB membership is extremely good value for money. It must have saved us an absolute fortune – thousands.”
Patrick Campbell, Kube Medical
“
[The FSB Insurance Service is] extremely cost effective and very flexible. Would recommend.”
Mikki Harris, MOMENTUM Business Support
For business
From payments to funding, FSB provides essential financial services and tools to help you operate your business with ease.
Payments
We’ve partnered with Tyl by NatWest to make it easier for your customers to pay you in a fast, secure way that suits you both.
Get paid your way
• A range of card machines and mobile apps to take face-to-face payments.
• Payment pages for online business.
• Virtual terminal to take card payments by phone.
• Payment links and QR codes to send out to get paid quick.
• Whatever your choice, the money’s in your account the next business day.
Fees to please
No extra fees. No ‘minimum monthly service charge’. No nasty surprises.
Speedy set up
It only takes 48 hours to get Tyl up and running.
Exclusive rewards for FSB members
Want an extra incentive* to choose Tyl?
To find out about the latest rewards, visit the Payments section on your member dashboard.
*
Business Banking
Manage your account in a way that suits you.
Mobile banking
Manage multiple businesses from the same account.
Online banking
Send a variety of payment types, receive fraud and account alerts, have safe and secure open banking and set a daily limit up to £250,000.
In branch or Post Office® banking
Get banking support in branch from friendly advisors.
Our FSB exclusive member account offers:
• No introductory period, just free everyday banking (cash limits apply).
• No arrangement fees on overdrafts.*
• Pay in cheques and up to £1,000 in cash free of charge, per charging period.**
• Apply online in minutes.
• Free integration of accountancy software including Sage, QuickBooks and Xero.
• Free access to the Go Get Paid app, giving you a secure way to request payments digitally, get paid on time and boost your cash flow.
Been in business for a year? Explore the business bank account designed for established businesses. FSB members get more with an additional Savings Pot boost.
• A direct line to your own dedicated relationship manager and UK-based customer support.
• No monthly fees.
• Earn up to 1.5% cashback on all eligible card spend.†
• Savings Pot with 24/7 instant access to your money (this includes an additional boost for FSB members*).
• No transaction fees on inbound/outbound faster payments, Direct Debits or ATM withdrawals.
• Accounting software integrations with Sage, Xero and QuickBooks.
• FSCS protection (eligible deposits only).
• Access and manage your account using mobile app or web.
• Multiple director access and two-person authorisation.
• Free Faster Payments and BACS.†
• Switch your business current account through the Current Account Switch Service, a 7-day Switch Guarantee.
Business Banking with 1% cashback
We’ve teamed up with Zempler Bank to bring you a digital business bank account option that includes discounted rates we’ve negotiated for you. Over 650,000 businesses have opened bank accounts with Zempler Bank. Dedicated to supporting small businesses, they’re all about easy-to-access, simple-to-use banking. Apply online and start taking payments straight away.
Save while you spend
• Earn 1% cashback (up to £1,000 per month) on all qualifying debit card spend.*
• No annual account fee in the first two years.
• No transaction fees on inbound/outbound payments, Direct Debits or ATM withdrawals and a low fee of 0.5% on cash deposits via any UK Post Office®.
• Can be used as a business’ sole bank account or additional account, with in-app and online features like spend categorisation, receipt capture and invoicing tools.
• Accounting integration that connects to leading packages (including Xero, QuickBooks, Sage).
• British bank regulated by the Financial Conduct Authority (FCA). Your money will always be protected by the FSCS (Financial Services Compensation Scheme).
• 24-hour fraud monitoring.
• Get help when you need it. Speak to Zempler Bank’s helpful UK-based telephone customer service team.
Funding Platform Franchising Service
Fuel your business growth with an all-in-one funding platform for small businesses, provided by Capitalise.
With credit score checking and access to a panel of 100+ lenders, members can reduce risk to their business, boost cash flow and take control of their financial health.
As part of your FSB membership, you can apply for funding for your business and get access to a free basic credit check.
Access a wide range of business funding options. Whether you are launching, expanding, investing in machinery and property, or just looking to improve your cash flow, we’ve got you covered.
Never borrowed before or unsure what you need? Simply answer a few questions in our step-by-step application and we will do the rest, or chat to a funding specialist at Captitalise for more support.
Get tailored funding results that are a better fit for your business. You will see the most suitable lenders that are also most likely to give you an offer. Negotiate directly with lenders - no obligations.
FSB member discounts are available for subscription and Credit Review Service.
Franchising offers a unique opportunity to leverage established brands and proven systems while still enjoying the autonomy of entrepreneurship.
FSB has partnered with Lime Licensing Group to provide a franchise consultancy that offers practical assistance, education and legal resources for FSB members interested in exploring franchising as a pathway to growth. You get:
• A complementary initial consultation with experts.
• Access to exclusive FSB member discounts on Lime Licensing Group’s franchise consultancy services.
• Franchise-focused workshops, webinars and content.
Trevel Henry NVC Awareness
Debt Recovery Making Tax Digital
Our debt recovery experts, from Markel Law, are here to answer your questions through our legal advice line, so you can have confidence that you are taking the right steps towards a resolution. We offer step-by-step guidance on chasing late payments, 24/7 support, free DIY template letters and clear, discounted legal costs.
With discounted fees on instructing debt recovery experts, we’ve helped hundreds of small businesses like yours to get paid - as of 2025, we’ve recovered over £5 million for FSB members.
If all else fails, legal action is often the last resort - but it can get costly. Instruct one of our solicitors with the peace of mind of discounted fees and certainty of costs - no surprise bills.
From credit control letters and protocolcompliant letters before action, through to court proceedings and enforcement, our experts are here to help you every step of the way.
Unlike other debt collection services, you’re in control of the entire process, and in 80% of cases, we help small businesses to get paid before it comes to legal action.
With an easy-to-use HMRC-recognised app, powered by Rhino, we’ve made MTD compliance simple so you can get back to business and avoid the risk of penalties from HMRC.
Making Tax Digital (MTD) is an HMRC initiative designed to help businesses and individuals correctly calculate their tax through a system that is more efficient, effective and simpler to use.
MTD for VAT is already in place. Since April 2022, all VAT-registered businesses have been obligated to use compatible MTD software to keep digital records and submit VAT returns.
In April 2026 and 2027, MTD for Income Tax and Self Assessments will come into force, but there’s no need to wait - you can start preparing for the new rules today and streamline your processes.
The Making Tax Digital team provide an online 30-minute one-to-one overview session which is free to all FSB members. This overview session provides members with everything they need to know to become compliant with Making Tax Digital.
Connect to your HMRC account with just a few clicks, and tailor the app to suit your personal circumstances by selecting the tax categories that you require.
Naomi Murray Botanica Health
Support near you Where small businesses connect
Local support and guidance is never far away.
One of the unique benefits of joining FSB is the local support we provide through our team of dedicated staff and volunteers located in every region across the UK. As a small business, it’s so important to get support from real people in your area who understand exactly what you’re facing. Living and working locally means our support team really gets it.
Local support isn’t just there for expert advice and guidance, we also work to influence local council leaders, MPs and many other stakeholders on a daily basis to ensure the voice of small business is represented in your town or city.
If there’s something you’re struggling with, we want to hear about it.
Find advice, learn new skills, and expand your network with hundreds of UK-wide events designed for small business owners and the self-employed.
Running a business can feel lonely sometimes, but you’re never alone. FSB’s local events are here to help you connect with like-minded small business owners, learn practical skills, and get the support you need to thrive.
From relaxed networking meet-ups to expertled workshops, there’s something for everyone on our FSB events calendar. We host hundreds of events across the UK every year, with many of them being free and open to both members and non-members.
You can also join us online, learning about key business topics from FSB experts and guest speakers, all from the comfort of your own workspace.
Build strong networks, stay informed, and feel supported no matter where you’re based in the UK, with FSB local events. Check out our events calendar to see what’s coming up next.
Jacqueline Winstanley Universal Inclusion
Our Policy Work
We’re the UK’s leading small business campaigner.
Advocacy and campaigning is wired into our organisation’s DNA, as the reason FSB was originally founded in 1974. Today, championing the voices of small businesses and the selfemployed across the UK is still at the core of what we do.
Our policy experts work tirelessly, both locally and nationally, to influence decision-makers, challenge unfair practices, and push for real change on the issues that matter to you. We create world-class research based on evidence and views from across our membership and community, then we campaign about that with politicians and decision-makers, as well as in the press, on broadcast media and online.
Local and National
Making sure small businesses are heard on local issues.
Our advocacy starts with our team in Westminster, focusing on UK-wide and England issues with the UK Government and Parliament. Our teams in Glasgow, Cardiff and Belfast then work with governments and elected representatives in Scotland, Wales and Northern Ireland. On the FSB website you can find our latest news articles, press releases, survey results and in-depth reports. You can also sign up for our Weekly Brief newsletter and follow FSB Westminster on LinkedIn for all things policy.
There are 5.5 million small businesses in the UK. When we come together with a united front, we are impossible to ignore.
Be part of something bigger. Big Voice
As an FSB member, you’re invited to take part in our monthly online survey programme, Big Voice. Big Voice gives us powerful evidence of the direct impact of policy decisions on small businesses, based on the real-life experiences of our members. We use this information to amplify the voices and opinions of small businesses and the self-employed at the highest levels of Government across the UK.
How it works:
Regularly, we’ll invite you to a survey that’s relevant to you and your business. Surveys take around 10 minutes to complete and the findings result in FSB’s quarterly Small Business Index (SBI), which helps inform decisions taken by every sphere of government.
Just 10 minutes of your time a month could lead to fairer treatment, better support and real change for small businesses like yours.
Start making a difference. Sign up today.