3 Easy Steps to Health & Safety Compliance…

Most small business do not see Health and Safety as high on their list of priorities, they use excuses such as we don’t have time to worry about Health and Safety in our workplace or we don’t know what to do or we’ve never had an accident in all the years we have been trading so we are ok!
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How to tackle Fire Risk Assessments in your Business…

So what is a Fire Risk Assessment? It is a document that is completed yearly to determine the risk of fire in a premises. It looks at all parts of the building to determine risk and the likelihood of a fire and a tragic event. It suggests ways and means to mitigate these risks to ensure ‘life safety’ is paramount and kept at the heart of each building.
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Tax-saving ideas for small business owners…

If you want to stay on the right side of HMRC, which we strongly advise, as a small business owner or sole trader you have to pay tax. However, there is no reason to pay more tax than you need to. You can do various things to minimise your tax bill but, if you run a profitable business, there will always be tax to pay. And though tax avoidance is smart business practice, tax evasion is a crime and knowing the difference is important.
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The Insurance Policy that could prove critical…

Some people might be put off buying a critical illness policy because they believe it’s unlikely to pay out, despite the proportion of claims paid by insurers standing at just over 92%. So why is there such a gap between perception and reality among consumers?
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There have been well-publicised stories in the past where a policyholder has had a claim refused because their circumstances didn’t meet the insurer’s terms and conditions. But in reality, the number of critical illness claims declined are actually a tiny minority compared to the total paid out. Take a look at these numbers of critical illness claims paid from 2017 from some of the UK’s leading insurers;

Aviva 93%
Zurich 95%
Vitality 92%
Legal and General 92%
LV 89%

Reasons why an insurer may not pay a claim…
-The policyholder didn’t inform the provider about important medical or health information when they took out the policy
– The condition claimed for didn’t meet the definition within the plan
– The policyholder tried to claim for conditions that were excluded from their plan

Separating fact from fiction…
A critical illness policy pays out a tax free lump sum on diagnosis for any of the specified serious illnesses – around 100, including cancer, heart attack or stroke. There are additional benefits available with these policies which can be life-changing when called upon.
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The cover might seem costly; a policy from Aviva for a 35-year-old non-smoker needing £200,000 cover over 25 years would cost £64 a month and it gets more as you get older but the value of this type of protection makes it absolutely worth considering. In fact, the Association of British Insurers reported that a total of 96% of critical illness claims made for cancer were paid out across the industry, demonstrating the positive impact these products can have during the worst of times.
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The insurance market can be complex and confusing. Price comparison sites can make it easier to search and compare critical illness policies, but there’s such a large choice and variety of products and you might end up paying for something that doesn’t quite fit your circumstances.

Don’t leave it to chance, seek professional, face-to-face advice from someone who will get to know your circumstances, your family history and your likely protection requirements and recommend critical illness cover that’s right for you.

If you’d like to know more about how Downton & Ali Associates can help you arrange serious or critical illness cover, or you’d like a better understanding of the options available, please get in touch on 0203 0210075.

Building Business Relationships through The Marlowe Theatre…

It’s been a whirlwind 2019 for The Marlowe. This time last year, the theatre was preparing for the transfer of governance from Canterbury City Council to the independently managed Marlowe Trust. Since then, we’ve welcomed over 400,000 people through our doors, and continued to host some of the best in touring theatre, music, and dance. To top it all a 5 week run of Les Miserables, has just been announced for September/October 2020!
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Why Printed Brochures Still Matter in Marketing…

Go online and read any marketing website, and you’ll hear the same thing – online marketing is the new King of the Castle! Many sites are bold enough to claim that print and physical marketing is a dead aspect of marketing that is outdated and unnecessary…
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How Can an ISO:9001 Certification Help Me Win More Business?

Often when we’re out networking or discussing our services with new business owners, we’re asked the ‘so what’ question – “So what will an ISO:9001 certification do for our business and will it help us to win new customers?”
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