SUPERSCRIPT

Authorised by the FCA. The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or WHAT ARE TRADESMEN PAY RATES 2021? A guide to pricing your trade. Whatever your trade - whether you’re a builder, electrician, gardener or carpenter - it’s important to understand tradesmen pay rates and all the factors that affect them. Knowing what your clients expect depending on your rates and how considerations such as location, qualifications and experience impact what you can charge will enable you to ensure your WHAT TO DO IF A CUSTOMER REFUSES TO PAY? What is the Restart Grant and how do I apply? If your business needs a little financial help to reopen because of Covid-19, you could be eligible for the UK Restart Grant. WHAT IS BUSINESS TURNOVER AND HOW DO YOU CALCULATE IT Gross profit = turnover minus cost of goods sold. For the above example, this is: £100,000 - £30,000 = £70,000 is your gross profit. Net profit = gross profit minus expenses. So, this would be: �70,000 - £15,000 = £55,000 is your net profit. In this example, your gross profit is the same as last year, but your net profit is

lower.

PROS AND CONS OF THE AGILE APPROACH If you work in digital business, then chances are you’ve heard the term ‘agile’ bandied about more than once. In fact, recent research found that 97% of organisations are now practicing agile development methods, so chances are that at least some people in your organization are working in an agile way.. But, if you’re relatively new to the term, you may be wondering exactly what agile FOUR GROWTH STRATEGIES FOR YOUR BUSINESS Only around 10% of small businesses survive long enough to make any kind of impression on the market. Those with the most staying power tend to have started out with an understanding of what it means to scale a business, and a roadmap for doing so.

DIGITAL RISKS

In 2015, a tech whiz and an insurance guy joined forces to create an insurance experience fit for businesses in the digital age. This is the origin story of Digital Risks. VENTURE CAPITAL: PROS AND CONS Cons. Loss of some control. The fact that VC firms are invested in your company’s success is great on many levels, but it does also mean that your investors will want a say in the direction your company takes. Precisely how much control you may cede depends a lot on the firm and investors you choose, but it would be a rare VC that didn’t WHAT IS MEDIA LIABILITY INSURANCE? Websites, blogs, social media – they're part and parcel of business today. But the sheer proliferation of media means the chance of making a mistake is greater than ever. WHAT IS AN EMPLOYER REFERENCE NUMBER? When you set up your company as an employer, it can be hard to keep track of all the numbers and codes related to your business. In your HMRC welcome pack, one of the numbers you will see is your Employer Reference Number (ERN).

SUPERSCRIPT

Authorised by the FCA. The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or WHAT ARE TRADESMEN PAY RATES 2021? A guide to pricing your trade. Whatever your trade - whether you’re a builder, electrician, gardener or carpenter - it’s important to understand tradesmen pay rates and all the factors that affect them. Knowing what your clients expect depending on your rates and how considerations such as location, qualifications and experience impact what you can charge will enable you to ensure your WHAT TO DO IF A CUSTOMER REFUSES TO PAY? What is the Restart Grant and how do I apply? If your business needs a little financial help to reopen because of Covid-19, you could be eligible for the UK Restart Grant. WHAT IS BUSINESS TURNOVER AND HOW DO YOU CALCULATE IT Gross profit = turnover minus cost of goods sold. For the above example, this is: £100,000 - £30,000 = £70,000 is your gross profit. Net profit = gross profit minus expenses. So, this would be: �70,000 - £15,000 = £55,000 is your net profit. In this example, your gross profit is the same as last year, but your net profit is

lower.

PROS AND CONS OF THE AGILE APPROACH If you work in digital business, then chances are you’ve heard the term ‘agile’ bandied about more than once. In fact, recent research found that 97% of organisations are now practicing agile development methods, so chances are that at least some people in your organization are working in an agile way.. But, if you’re relatively new to the term, you may be wondering exactly what agile FOUR GROWTH STRATEGIES FOR YOUR BUSINESS Only around 10% of small businesses survive long enough to make any kind of impression on the market. Those with the most staying power tend to have started out with an understanding of what it means to scale a business, and a roadmap for doing so.

DIGITAL RISKS

In 2015, a tech whiz and an insurance guy joined forces to create an insurance experience fit for businesses in the digital age. This is the origin story of Digital Risks. VENTURE CAPITAL: PROS AND CONS Cons. Loss of some control. The fact that VC firms are invested in your company’s success is great on many levels, but it does also mean that your investors will want a say in the direction your company takes. Precisely how much control you may cede depends a lot on the firm and investors you choose, but it would be a rare VC that didn’t WHAT IS MEDIA LIABILITY INSURANCE? Websites, blogs, social media – they're part and parcel of business today. But the sheer proliferation of media means the chance of making a mistake is greater than ever. WHAT IS AN EMPLOYER REFERENCE NUMBER? When you set up your company as an employer, it can be hard to keep track of all the numbers and codes related to your business. In your HMRC welcome pack, one of the numbers you will see is your Employer Reference Number (ERN).

LEADERSHIP TEAM

Setting the pace. Our leadership team drives us forwards. Each individual is an innovator in their own right, with experience growing successful businesses and teams across different sectors. Together, they make a phenomenal team. LOCKDOWN CONSUMER SPENDING TRENDS Lockdown consumer spending trends. “Good food. Luxurious pyjamas. Presents for friends. Skincare. Bed linen. Fancy chocolate.”. We asked friends and colleagues what they’re spending their cash on during quarantine, and the answer is clear: sweet treats and small indulgences are parting us from our cash like never before. HOW MUCH IS EMPLOYERS' LIABILITY INSURANCE? Every insurer offers different prices for their cover. You can view how much employers’ liability insurance is by starting a quote. Building a quote only takes a few minutes and it will be based on your business needs, and therefore unique to you.

FINTECH INSURANCE

Crime. With Superscript, there's no need to obtain a separate crime policy. Our fintech insurance has crime protection included as standard. This means you'll be covered where there is theft of your own funds, or any client money that you are responsible for. We cover theft carried out by both electronic and physical means committed by

both

PERSONAL EXPERIENCE OF STARTING A JOB REMOTELY Personal experience of starting a job remotely. Starting a new job is always difficult. Starting a job remotely during COVID-19 comes with its own set of challenges. Navigating through an unknown company culture is hard enough on its own. Matt, our Senior Designer, joined

the team only a

ARE YOU MAKING TAX DIGITAL READY? Making Tax Digital (otherwise known as MTD) is an initiative from the UK government to modernise the tax administration system with the aim of making it more efficient, effective and easier to work out your tax

accurately.

DO I NEED EMPLOYERS' LIABILITY INSURANCE? If you are employed by a company as a director, you are technically an employee and therefore do not need employers' liability cover. If you own a company and are the sole shareholder and appointed director of that company, who owns over 50% of the shares and has no other employees, you do not need employers' liability insurance. 14 WAYS TO CREATE AN LGBT INCLUSIVE WORKPLACE Creating an LGBT inclusive workplace isn’t just the right thing to do. It makes business sense, too. "Inclusive workplaces ensure employees are safe, respected and able to fully contribute” says Jackie Ferguson, Head of Content & Programming at The Diversity Movement.. “An Oxford study showed that employees that are happy at work are 13% more productive, which means greater profitability THE FIVE STAGES OF VC FUNDING Third stage (AKA Series B or C). By the third stage of VC funding you should be taking in a reasonable revenue, have a substantial user base and have a good rate of growth. The funding you get in the third stage will keep your basic operations running smoothly while you invest in things like product diversification, or maybe international STARTUP INVESTOR PITCH DECK ‘Life all comes down to a few moments. This is one of them.’ Bud Fox, Wall Street. If you didn’t realise before starting a business, it will soon become clear that winning over investors will occupy a significant amount of your time as a founder.

SUPERSCRIPT

Authorised by the FCA. The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or WHAT ARE TRADESMEN PAY RATES 2021? A guide to pricing your trade. Whatever your trade - whether you’re a builder, electrician, gardener or carpenter - it’s important to understand tradesmen pay rates and all the factors that affect them. Knowing what your clients expect depending on your rates and how considerations such as location, qualifications and experience impact what you can charge will enable you to ensure your 14 WAYS TO CREATE AN LGBT INCLUSIVE WORKPLACE Creating an LGBT inclusive workplace isn’t just the right thing to do. It makes business sense, too. "Inclusive workplaces ensure employees are safe, respected and able to fully contribute” says Jackie Ferguson, Head of Content & Programming at The Diversity Movement.. “An Oxford study showed that employees that are happy at work are 13% more productive, which means greater profitability WHAT IS BUSINESS TURNOVER AND HOW DO YOU CALCULATE IT Gross profit = turnover minus cost of goods sold. For the above example, this is: £100,000 - £30,000 = £70,000 is your gross profit. Net profit = gross profit minus expenses. So, this would be: �70,000 - £15,000 = £55,000 is your net profit. In this example, your gross profit is the same as last year, but your net profit is

lower.

PROS AND CONS OF THE AGILE APPROACH If you work in digital business, then chances are you’ve heard the term ‘agile’ bandied about more than once. In fact, recent research found that 97% of organisations are now practicing agile development methods, so chances are that at least some people in your organization are working in an agile way.. But, if you’re relatively new to the term, you may be wondering exactly what agile WHAT TO DO IF A CUSTOMER REFUSES TO PAY? What is the Restart Grant and how do I apply? If your business needs a little financial help to reopen because of Covid-19, you could be eligible for the UK Restart Grant. FOUR GROWTH STRATEGIES FOR YOUR BUSINESS Only around 10% of small businesses survive long enough to make any kind of impression on the market. Those with the most staying power tend to have started out with an understanding of what it means to scale a business, and a roadmap for doing so. VENTURE CAPITAL: PROS AND CONS Cons. Loss of some control. The fact that VC firms are invested in your company’s success is great on many levels, but it does also mean that your investors will want a say in the direction your company takes. Precisely how much control you may cede depends a lot on the firm and investors you choose, but it would be a rare VC that didn’t WHAT IS MEDIA LIABILITY INSURANCE? Websites, blogs, social media – they're part and parcel of business today. But the sheer proliferation of media means the chance of making a mistake is greater than ever. JURISDICTIONAL VS GEOGRAPHICAL LIMITS

SUPERSCRIPT

Authorised by the FCA. The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or WHAT ARE TRADESMEN PAY RATES 2021? A guide to pricing your trade. Whatever your trade - whether you’re a builder, electrician, gardener or carpenter - it’s important to understand tradesmen pay rates and all the factors that affect them. Knowing what your clients expect depending on your rates and how considerations such as location, qualifications and experience impact what you can charge will enable you to ensure your 14 WAYS TO CREATE AN LGBT INCLUSIVE WORKPLACE Creating an LGBT inclusive workplace isn’t just the right thing to do. It makes business sense, too. "Inclusive workplaces ensure employees are safe, respected and able to fully contribute” says Jackie Ferguson, Head of Content & Programming at The Diversity Movement.. “An Oxford study showed that employees that are happy at work are 13% more productive, which means greater profitability WHAT IS BUSINESS TURNOVER AND HOW DO YOU CALCULATE IT Gross profit = turnover minus cost of goods sold. For the above example, this is: £100,000 - £30,000 = £70,000 is your gross profit. Net profit = gross profit minus expenses. So, this would be: �70,000 - £15,000 = £55,000 is your net profit. In this example, your gross profit is the same as last year, but your net profit is

lower.

PROS AND CONS OF THE AGILE APPROACH If you work in digital business, then chances are you’ve heard the term ‘agile’ bandied about more than once. In fact, recent research found that 97% of organisations are now practicing agile development methods, so chances are that at least some people in your organization are working in an agile way.. But, if you’re relatively new to the term, you may be wondering exactly what agile WHAT TO DO IF A CUSTOMER REFUSES TO PAY? What is the Restart Grant and how do I apply? If your business needs a little financial help to reopen because of Covid-19, you could be eligible for the UK Restart Grant. FOUR GROWTH STRATEGIES FOR YOUR BUSINESS Only around 10% of small businesses survive long enough to make any kind of impression on the market. Those with the most staying power tend to have started out with an understanding of what it means to scale a business, and a roadmap for doing so. VENTURE CAPITAL: PROS AND CONS Cons. Loss of some control. The fact that VC firms are invested in your company’s success is great on many levels, but it does also mean that your investors will want a say in the direction your company takes. Precisely how much control you may cede depends a lot on the firm and investors you choose, but it would be a rare VC that didn’t WHAT IS MEDIA LIABILITY INSURANCE? Websites, blogs, social media – they're part and parcel of business today. But the sheer proliferation of media means the chance of making a mistake is greater than ever. JURISDICTIONAL VS GEOGRAPHICAL LIMITS PERSONAL EXPERIENCE OF STARTING A JOB REMOTELY Personal experience of starting a job remotely. Starting a new job is always difficult. Starting a job remotely during COVID-19 comes with its own set of challenges. Navigating through an unknown company culture is hard enough on its own. Matt, our Senior Designer, joined

the team only a

DIGITAL RISKS

In 2015, a tech whiz and an insurance guy joined forces to create an insurance experience fit for businesses in the digital age. This is the origin story of Digital Risks. HOW MUCH IS EMPLOYERS' LIABILITY INSURANCE? Every insurer offers different prices for their cover. You can view how much employers’ liability insurance is by starting a quote. Building a quote only takes a few minutes and it will be based on your business needs, and therefore unique to you. BLOG | PAGE 45 | SUPERSCRIPT The latest startup and SME news and opinions from Superscript. Page 45 LOCKDOWN CONSUMER SPENDING TRENDS Lockdown consumer spending trends. “Good food. Luxurious pyjamas. Presents for friends. Skincare. Bed linen. Fancy chocolate.”. We asked friends and colleagues what they’re spending their cash on during quarantine, and the answer is clear: sweet treats and small indulgences are parting us from our cash like never before.

FINTECH INSURANCE

Crime. With Superscript, there's no need to obtain a separate crime policy. Our fintech insurance has crime protection included as standard. This means you'll be covered where there is theft of your own funds, or any client money that you are responsible for. We cover theft carried out by both electronic and physical means committed by

both

WHAT IS AN SME?

The best Self Assessment software If you need to file a Self Assessment, tax return software can make your life much easier. Discover the best tax return apps on the market. HOW TO BECOME A FREELANCE PHOTOGRAPHER 1. Accept that you’re a business owner as well as a creative. “Becoming a freelance photographer is more than knowing how to make great images, it's about being business savvy as well," says real estate photographer Kristi Foster. "Most of us get into photography because we love the art. No one tells you that to be a successful

freelance

FOUNDER SUCCESS STORIES: YENA We spoke to Ash Phillips, founder of Yena, who made it his mission to help aspiring entrepreneurs do exactly that - turn their ideas into profitable businesses.Yena is an entrepreneurial accelerator platform that provides everything you need to start and grow a small business, meanwhile incorporating you within their global community of business-minded fellows alike. THE FIVE STAGES OF VC FUNDING Third stage (AKA Series B or C). By the third stage of VC funding you should be taking in a reasonable revenue, have a substantial user base and have a good rate of growth. The funding you get in the third stage will keep your basic operations running smoothly while you invest in things like product diversification, or maybe international

SUPERSCRIPT

Authorised by the FCA. The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or WHAT ARE TRADESMEN PAY RATES 2021? A guide to pricing your trade. Whatever your trade - whether you’re a builder, electrician, gardener or carpenter - it’s important to understand tradesmen pay rates and all the factors that affect them. Knowing what your clients expect depending on your rates and how considerations such as location, qualifications and experience impact what you can charge will enable you to ensure your 14 WAYS TO CREATE AN LGBT INCLUSIVE WORKPLACE Creating an LGBT inclusive workplace isn’t just the right thing to do. It makes business sense, too. "Inclusive workplaces ensure employees are safe, respected and able to fully contribute” says Jackie Ferguson, Head of Content & Programming at The Diversity Movement.. “An Oxford study showed that employees that are happy at work are 13% more productive, which means greater profitability WHAT IS BUSINESS TURNOVER AND HOW DO YOU CALCULATE IT Gross profit = turnover minus cost of goods sold. For the above example, this is: £100,000 - £30,000 = £70,000 is your gross profit. Net profit = gross profit minus expenses. So, this would be: �70,000 - £15,000 = £55,000 is your net profit. In this example, your gross profit is the same as last year, but your net profit is

lower.

PROS AND CONS OF THE AGILE APPROACH If you work in digital business, then chances are you’ve heard the term ‘agile’ bandied about more than once. In fact, recent research found that 97% of organisations are now practicing agile development methods, so chances are that at least some people in your organization are working in an agile way.. But, if you’re relatively new to the term, you may be wondering exactly what agile WHAT TO DO IF A CUSTOMER REFUSES TO PAY? What is the Restart Grant and how do I apply? If your business needs a little financial help to reopen because of Covid-19, you could be eligible for the UK Restart Grant. FOUR GROWTH STRATEGIES FOR YOUR BUSINESS Only around 10% of small businesses survive long enough to make any kind of impression on the market. Those with the most staying power tend to have started out with an understanding of what it means to scale a business, and a roadmap for doing so. VENTURE CAPITAL: PROS AND CONS Cons. Loss of some control. The fact that VC firms are invested in your company’s success is great on many levels, but it does also mean that your investors will want a say in the direction your company takes. Precisely how much control you may cede depends a lot on the firm and investors you choose, but it would be a rare VC that didn’t WHAT IS MEDIA LIABILITY INSURANCE? Websites, blogs, social media – they're part and parcel of business today. But the sheer proliferation of media means the chance of making a mistake is greater than ever. JURISDICTIONAL VS GEOGRAPHICAL LIMITS

SUPERSCRIPT

Authorised by the FCA. The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or WHAT ARE TRADESMEN PAY RATES 2021? A guide to pricing your trade. Whatever your trade - whether you’re a builder, electrician, gardener or carpenter - it’s important to understand tradesmen pay rates and all the factors that affect them. Knowing what your clients expect depending on your rates and how considerations such as location, qualifications and experience impact what you can charge will enable you to ensure your 14 WAYS TO CREATE AN LGBT INCLUSIVE WORKPLACE Creating an LGBT inclusive workplace isn’t just the right thing to do. It makes business sense, too. "Inclusive workplaces ensure employees are safe, respected and able to fully contribute” says Jackie Ferguson, Head of Content & Programming at The Diversity Movement.. “An Oxford study showed that employees that are happy at work are 13% more productive, which means greater profitability WHAT IS BUSINESS TURNOVER AND HOW DO YOU CALCULATE IT Gross profit = turnover minus cost of goods sold. For the above example, this is: £100,000 - £30,000 = £70,000 is your gross profit. Net profit = gross profit minus expenses. So, this would be: �70,000 - £15,000 = £55,000 is your net profit. In this example, your gross profit is the same as last year, but your net profit is

lower.

PROS AND CONS OF THE AGILE APPROACH If you work in digital business, then chances are you’ve heard the term ‘agile’ bandied about more than once. In fact, recent research found that 97% of organisations are now practicing agile development methods, so chances are that at least some people in your organization are working in an agile way.. But, if you’re relatively new to the term, you may be wondering exactly what agile WHAT TO DO IF A CUSTOMER REFUSES TO PAY? What is the Restart Grant and how do I apply? If your business needs a little financial help to reopen because of Covid-19, you could be eligible for the UK Restart Grant. FOUR GROWTH STRATEGIES FOR YOUR BUSINESS Only around 10% of small businesses survive long enough to make any kind of impression on the market. Those with the most staying power tend to have started out with an understanding of what it means to scale a business, and a roadmap for doing so. VENTURE CAPITAL: PROS AND CONS Cons. Loss of some control. The fact that VC firms are invested in your company’s success is great on many levels, but it does also mean that your investors will want a say in the direction your company takes. Precisely how much control you may cede depends a lot on the firm and investors you choose, but it would be a rare VC that didn’t WHAT IS MEDIA LIABILITY INSURANCE? Websites, blogs, social media – they're part and parcel of business today. But the sheer proliferation of media means the chance of making a mistake is greater than ever. JURISDICTIONAL VS GEOGRAPHICAL LIMITS

FINTECH INSURANCE

Crime. With Superscript, there's no need to obtain a separate crime policy. Our fintech insurance has crime protection included as standard. This means you'll be covered where there is theft of your own funds, or any client money that you are responsible for. We cover theft carried out by both electronic and physical means committed by

both

DIGITAL RISKS

In 2015, a tech whiz and an insurance guy joined forces to create an insurance experience fit for businesses in the digital age. This is the origin story of Digital Risks. PERSONAL EXPERIENCE OF STARTING A JOB REMOTELY Personal experience of starting a job remotely. Starting a new job is always difficult. Starting a job remotely during COVID-19 comes with its own set of challenges. Navigating through an unknown company culture is hard enough on its own. Matt, our Senior Designer, joined

the team only a

VENTURE CAPITAL: PROS AND CONS Cons. Loss of some control. The fact that VC firms are invested in your company’s success is great on many levels, but it does also mean that your investors will want a say in the direction your company takes. Precisely how much control you may cede depends a lot on the firm and investors you choose, but it would be a rare VC that didn’t

WHAT IS AN SME?

The best Self Assessment software If you need to file a Self Assessment, tax return software can make your life much easier. Discover the best tax return apps on the market. THE FIVE STAGES OF VC FUNDING Third stage (AKA Series B or C). By the third stage of VC funding you should be taking in a reasonable revenue, have a substantial user base and have a good rate of growth. The funding you get in the third stage will keep your basic operations running smoothly while you invest in things like product diversification, or maybe international HOW TO BECOME A FREELANCE PHOTOGRAPHER 1. Accept that you’re a business owner as well as a creative. “Becoming a freelance photographer is more than knowing how to make great images, it's about being business savvy as well," says real estate photographer Kristi Foster. "Most of us get into photography because we love the art. No one tells you that to be a successful

freelance

FOUNDER SUCCESS STORIES: YENA We spoke to Ash Phillips, founder of Yena, who made it his mission to help aspiring entrepreneurs do exactly that - turn their ideas into profitable businesses.Yena is an entrepreneurial accelerator platform that provides everything you need to start and grow a small business, meanwhile incorporating you within their global community of business-minded fellows alike. A GUIDE TO GOING SELF-EMPLOYED Self-employment. Millions choose it, and a good chunk fall into it by accident. Whatever your story for becoming self-employed, an action-driven plan can help ease your business into things – from navigating the official self-employment gov.uk pages to your first self-employment Self Assessment.. You’ll also find details on self employed insurance costs (it’s our specialist subject THE UK’S GREENTECH COMPANIES TO WATCH BioKind. This is a company offering a sustainable alternative to animal feed. BioKind produces a natural source of protein for aquaculture and livestock, as well as pets, with a minimal carbon footprint. Moreover, all this comes from agricultural waste, ensuring the contents of the product are high in protein and minimal in toxins.

SUPERSCRIPT

Authorised by the FCA. The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or WHAT ARE TRADESMEN PAY RATES 2021? A guide to pricing your trade. Whatever your trade - whether you’re a builder, electrician, gardener or carpenter - it’s important to understand tradesmen pay rates and all the factors that affect them. Knowing what your clients expect depending on your rates and how considerations such as location, qualifications and experience impact what you can charge will enable you to ensure your ESSENTIAL LEGAL DOCUMENTS FOR YOUR BUSINESS As a business owner, you are probably over the moon about having brought your business ideas to fruition. Whilst your achievement is absolutely fantastic, such unbridled enthusiasm can make you forget about some arguably less exciting, yet very important legal matters to contend with when running a business. PROS AND CONS OF THE AGILE APPROACH If you work in digital business, then chances are you’ve heard the term ‘agile’ bandied about more than once. In fact, recent research found that 97% of organisations are now practicing agile development methods, so chances are that at least some people in your organization are working in an agile way.. But, if you’re relatively new to the term, you may be wondering exactly what agile FOUR GROWTH STRATEGIES FOR YOUR BUSINESS Only around 10% of small businesses survive long enough to make any kind of impression on the market. Those with the most staying power tend to have started out with an understanding of what it means to scale a business, and a roadmap for doing so. WHAT TO DO IF A CUSTOMER REFUSES TO PAY? What is the Restart Grant and how do I apply? If your business needs a little financial help to reopen because of Covid-19, you could be eligible for the UK Restart Grant.

DIGITAL RISKS

In 2015, a tech whiz and an insurance guy joined forces to create an insurance experience fit for businesses in the digital age. This is the origin story of Digital Risks. VENTURE CAPITAL: PROS AND CONS Cons. Loss of some control. The fact that VC firms are invested in your company’s success is great on many levels, but it does also mean that your investors will want a say in the direction your company takes. Precisely how much control you may cede depends a lot on the firm and investors you choose, but it would be a rare VC that didn’t WHAT IS MEDIA LIABILITY INSURANCE? Websites, blogs, social media – they're part and parcel of business today. But the sheer proliferation of media means the chance of making a mistake is greater than ever. JURISDICTIONAL VS GEOGRAPHICAL LIMITS

SUPERSCRIPT

Authorised by the FCA. The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or WHAT ARE TRADESMEN PAY RATES 2021? A guide to pricing your trade. Whatever your trade - whether you’re a builder, electrician, gardener or carpenter - it’s important to understand tradesmen pay rates and all the factors that affect them. Knowing what your clients expect depending on your rates and how considerations such as location, qualifications and experience impact what you can charge will enable you to ensure your ESSENTIAL LEGAL DOCUMENTS FOR YOUR BUSINESS As a business owner, you are probably over the moon about having brought your business ideas to fruition. Whilst your achievement is absolutely fantastic, such unbridled enthusiasm can make you forget about some arguably less exciting, yet very important legal matters to contend with when running a business. PROS AND CONS OF THE AGILE APPROACH If you work in digital business, then chances are you’ve heard the term ‘agile’ bandied about more than once. In fact, recent research found that 97% of organisations are now practicing agile development methods, so chances are that at least some people in your organization are working in an agile way.. But, if you’re relatively new to the term, you may be wondering exactly what agile FOUR GROWTH STRATEGIES FOR YOUR BUSINESS Only around 10% of small businesses survive long enough to make any kind of impression on the market. Those with the most staying power tend to have started out with an understanding of what it means to scale a business, and a roadmap for doing so. WHAT TO DO IF A CUSTOMER REFUSES TO PAY? What is the Restart Grant and how do I apply? If your business needs a little financial help to reopen because of Covid-19, you could be eligible for the UK Restart Grant.

DIGITAL RISKS

In 2015, a tech whiz and an insurance guy joined forces to create an insurance experience fit for businesses in the digital age. This is the origin story of Digital Risks. VENTURE CAPITAL: PROS AND CONS Cons. Loss of some control. The fact that VC firms are invested in your company’s success is great on many levels, but it does also mean that your investors will want a say in the direction your company takes. Precisely how much control you may cede depends a lot on the firm and investors you choose, but it would be a rare VC that didn’t WHAT IS MEDIA LIABILITY INSURANCE? Websites, blogs, social media – they're part and parcel of business today. But the sheer proliferation of media means the chance of making a mistake is greater than ever. JURISDICTIONAL VS GEOGRAPHICAL LIMITS

SUPERSCRIPT

Authorised by the FCA. The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or

DIGITAL RISKS

In 2015, a tech whiz and an insurance guy joined forces to create an insurance experience fit for businesses in the digital age. This is the origin story of Digital Risks. PERSONAL EXPERIENCE OF STARTING A JOB REMOTELY Personal experience of starting a job remotely. Starting a new job is always difficult. Starting a job remotely during COVID-19 comes with its own set of challenges. Navigating through an unknown company culture is hard enough on its own. Matt, our Senior Designer, joined

the team only a

WHAT IS AN SME?

The best Self Assessment software If you need to file a Self Assessment, tax return software can make your life much easier. Discover the best tax return apps on the market.

CYBER SECURITY

Whether it’s Russian trolls manipulating voters, ransomware encrypting your data, or social engineers trying to run off with your life’s savings, cyber-crime is a billion-dollar business. FOUNDER SUCCESS STORIES: YENA We spoke to Ash Phillips, founder of Yena, who made it his mission to help aspiring entrepreneurs do exactly that - turn their ideas into profitable businesses.Yena is an entrepreneurial accelerator platform that provides everything you need to start and grow a small business, meanwhile incorporating you within their global community of business-minded fellows alike. HOW TO BECOME A FREELANCE PHOTOGRAPHER 1. Accept that you’re a business owner as well as a creative. “Becoming a freelance photographer is more than knowing how to make great images, it's about being business savvy as well," says real estate photographer Kristi Foster. "Most of us get into photography because we love the art. No one tells you that to be a successful

freelance

5 AWESOME APPS FOR WELLBEING 5 awesome apps for wellbeing Why technology can increase stress. Even with excellent technology stacks set up and on our side, the stress of myriad current and future unknowns (will my business survive? will my nursery reopen? what about the economy? where do I go for help with X,Y and Z?) is a serious problem. THE FIVE STAGES OF VC FUNDING Third stage (AKA Series B or C). By the third stage of VC funding you should be taking in a reasonable revenue, have a substantial user base and have a good rate of growth. The funding you get in the third stage will keep your basic operations running smoothly while you invest in things like product diversification, or maybe international THE UK’S GREENTECH COMPANIES TO WATCH BioKind. This is a company offering a sustainable alternative to animal feed. BioKind produces a natural source of protein for aquaculture and livestock, as well as pets, with a minimal carbon footprint. Moreover, all this comes from agricultural waste, ensuring the contents of the product are high in protein and minimal in toxins.

SUPERSCRIPT

Authorised by the FCA. The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or WHAT ARE TRADESMEN PAY RATES 2021? A guide to pricing your trade. Whatever your trade - whether you’re a builder, electrician, gardener or carpenter - it’s important to understand tradesmen pay rates and all the factors that affect them. Knowing what your clients expect depending on your rates and how considerations such as location, qualifications and experience impact what you can charge will enable you to ensure your PROS AND CONS OF THE AGILE APPROACH If you work in digital business, then chances are you’ve heard the term ‘agile’ bandied about more than once. In fact, recent research found that 97% of organisations are now practicing agile development methods, so chances are that at least some people in your organization are working in an agile way.. But, if you’re relatively new to the term, you may be wondering exactly what agile FOUR GROWTH STRATEGIES FOR YOUR BUSINESS Only around 10% of small businesses survive long enough to make any kind of impression on the market. Those with the most staying power tend to have started out with an understanding of what it means to scale a business, and a roadmap for doing so. WHAT TO DO IF A CUSTOMER REFUSES TO PAY? What is the Restart Grant and how do I apply? If your business needs a little financial help to reopen because of Covid-19, you could be eligible for the UK Restart Grant. ESSENTIAL LEGAL DOCUMENTS FOR YOUR BUSINESS As a business owner, you are probably over the moon about having brought your business ideas to fruition. Whilst your achievement is absolutely fantastic, such unbridled enthusiasm can make you forget about some arguably less exciting, yet very important legal matters to contend with when running a business. VENTURE CAPITAL: PROS AND CONS Cons. Loss of some control. The fact that VC firms are invested in your company’s success is great on many levels, but it does also mean that your investors will want a say in the direction your company takes. Precisely how much control you may cede depends a lot on the firm and investors you choose, but it would be a rare VC that didn’t FOUNDER SUCCESS STORIES: YENA We spoke to Ash Phillips, founder of Yena, who made it his mission to help aspiring entrepreneurs do exactly that - turn their ideas into profitable businesses.Yena is an entrepreneurial accelerator platform that provides everything you need to start and grow a small business, meanwhile incorporating you within their global community of business-minded fellows alike.

CYBER SECURITY

GUIDE TO WORKING AS A CONTRACTOR IN THE UK The independence of working as a contractor has many benefits, but also risks. Find out how to manage these risks in our guide to working

as a contractor.

SUPERSCRIPT

Authorised by the FCA. The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or WHAT ARE TRADESMEN PAY RATES 2021? A guide to pricing your trade. Whatever your trade - whether you’re a builder, electrician, gardener or carpenter - it’s important to understand tradesmen pay rates and all the factors that affect them. Knowing what your clients expect depending on your rates and how considerations such as location, qualifications and experience impact what you can charge will enable you to ensure your PROS AND CONS OF THE AGILE APPROACH If you work in digital business, then chances are you’ve heard the term ‘agile’ bandied about more than once. In fact, recent research found that 97% of organisations are now practicing agile development methods, so chances are that at least some people in your organization are working in an agile way.. But, if you’re relatively new to the term, you may be wondering exactly what agile FOUR GROWTH STRATEGIES FOR YOUR BUSINESS Only around 10% of small businesses survive long enough to make any kind of impression on the market. Those with the most staying power tend to have started out with an understanding of what it means to scale a business, and a roadmap for doing so. WHAT TO DO IF A CUSTOMER REFUSES TO PAY? What is the Restart Grant and how do I apply? If your business needs a little financial help to reopen because of Covid-19, you could be eligible for the UK Restart Grant. ESSENTIAL LEGAL DOCUMENTS FOR YOUR BUSINESS As a business owner, you are probably over the moon about having brought your business ideas to fruition. Whilst your achievement is absolutely fantastic, such unbridled enthusiasm can make you forget about some arguably less exciting, yet very important legal matters to contend with when running a business. VENTURE CAPITAL: PROS AND CONS Cons. Loss of some control. The fact that VC firms are invested in your company’s success is great on many levels, but it does also mean that your investors will want a say in the direction your company takes. Precisely how much control you may cede depends a lot on the firm and investors you choose, but it would be a rare VC that didn’t FOUNDER SUCCESS STORIES: YENA We spoke to Ash Phillips, founder of Yena, who made it his mission to help aspiring entrepreneurs do exactly that - turn their ideas into profitable businesses.Yena is an entrepreneurial accelerator platform that provides everything you need to start and grow a small business, meanwhile incorporating you within their global community of business-minded fellows alike.

CYBER SECURITY

GUIDE TO WORKING AS A CONTRACTOR IN THE UK The independence of working as a contractor has many benefits, but also risks. Find out how to manage these risks in our guide to working

as a contractor.

SUPERSCRIPT

Authorised by the FCA. The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or

FINTECH INSURANCE

Crime. With Superscript, there's no need to obtain a separate crime policy. Our fintech insurance has crime protection included as standard. This means you'll be covered where there is theft of your own funds, or any client money that you are responsible for. We cover theft carried out by both electronic and physical means committed by

both

ARE YOU MAKING TAX DIGITAL READY? Making Tax Digital (otherwise known as MTD) is an initiative from the UK government to modernise the tax administration system with the aim of making it more efficient, effective and easier to work out your tax

accurately.

PERSONAL EXPERIENCE OF STARTING A JOB REMOTELY Personal experience of starting a job remotely. Starting a new job is always difficult. Starting a job remotely during COVID-19 comes with its own set of challenges. Navigating through an unknown company culture is hard enough on its own. Matt, our Senior Designer, joined

the team only a

FREQUENTLY ASKED QUESTIONS The most common way to pay is via credit or debit card. We accept Mastercard, Visa, Amex, Diners Club, Discover and JCB cards. We don’t accept cash or cheques, but you can also pay with a BACS transfer if you prefer to pay annually. 14 WAYS TO CREATE AN LGBT INCLUSIVE WORKPLACE Creating an LGBT inclusive workplace isn’t just the right thing to do. It makes business sense, too. "Inclusive workplaces ensure employees are safe, respected and able to fully contribute” says Jackie Ferguson, Head of Content & Programming at The Diversity Movement.. “An Oxford study showed that employees that are happy at work are 13% more productive, which means greater profitability BLOG | PAGE 45 | SUPERSCRIPT The latest startup and SME news and opinions from Superscript. Page 45 SUPERSCRIPT RAISES FURTHER £8.5 MILLION Funding for future growth. We are pleased to have raised investment of �8.5 million (following our Series A funding round earlier this year) which is led by existing investor, BHL Holdings, alongside investment from the Government's Future Fund, Seedcamp, Concentric and the London Co-Investment Fund. This investment will help us to double our SUPERSCRIPT PARTNERS WITH CYBERSMART We are very pleased to announce that we’ve teamed up with CyberSmart, the SME cybersecurity specialists, to provide free cybersecurity insurance for small businesses in just a few clicks.. The partnership is the latest illustration of how Superscript is driving the industry movement towards ‘embedded insurance’. THE BEST SMALL BUSINESS WORKSHOPS AND TRAINING The Hub is a professional business training organisation, offering a wide range of services and events, covering a whole range of topics. Providing both in-house training and centralised workshops, check their ‘Current Events’ section for info on day-courses, seminars, and workshops laid on by their facilitators. Eventbrite.

SUPERSCRIPT

Authorised by the FCA. The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or PROS AND CONS OF THE AGILE APPROACH If you work in digital business, then chances are you’ve heard the term ‘agile’ bandied about more than once. In fact, recent research found that 97% of organisations are now practicing agile development methods, so chances are that at least some people in your organization are working in an agile way.. But, if you’re relatively new to the term, you may be wondering exactly what agile VENTURE CAPITAL: PROS AND CONS Cons. Loss of some control. The fact that VC firms are invested in your company’s success is great on many levels, but it does also mean that your investors will want a say in the direction your company takes. Precisely how much control you may cede depends a lot on the firm and investors you choose, but it would be a rare VC that didn’t

DIGITAL RISKS

In 2015, a tech whiz and an insurance guy joined forces to create an insurance experience fit for businesses in the digital age. This is the origin story of Digital Risks. WHAT ARE TRADESMEN PAY RATES 2021? A guide to pricing your trade. Whatever your trade - whether you’re a builder, electrician, gardener or carpenter - it’s important to understand tradesmen pay rates and all the factors that affect them. Knowing what your clients expect depending on your rates and how considerations such as location, qualifications and experience impact what you can charge will enable you to ensure your WHAT TO DO IF A CUSTOMER REFUSES TO PAY? What is the Restart Grant and how do I apply? If your business needs a little financial help to reopen because of Covid-19, you could be eligible for the UK Restart Grant. WHAT IS BUSINESS TURNOVER AND HOW DO YOU CALCULATE IT Gross profit = turnover minus cost of goods sold. For the above example, this is: £100,000 - £30,000 = £70,000 is your gross profit. Net profit = gross profit minus expenses. So, this would be: �70,000 - £15,000 = £55,000 is your net profit. In this example, your gross profit is the same as last year, but your net profit is

lower.

FOUNDER SUCCESS STORIES: YENA We spoke to Ash Phillips, founder of Yena, who made it his mission to help aspiring entrepreneurs do exactly that - turn their ideas into profitable businesses.Yena is an entrepreneurial accelerator platform that provides everything you need to start and grow a small business, meanwhile incorporating you within their global community of business-minded fellows alike. THE FIVE STAGES OF VC FUNDING Third stage (AKA Series B or C). By the third stage of VC funding you should be taking in a reasonable revenue, have a substantial user base and have a good rate of growth. The funding you get in the third stage will keep your basic operations running smoothly while you invest in things like product diversification, or maybe international GUIDE TO WORKING AS A CONTRACTOR IN THE UK The independence of working as a contractor has many benefits, but also risks. Find out how to manage these risks in our guide to working

as a contractor.

SUPERSCRIPT

Authorised by the FCA. The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or PROS AND CONS OF THE AGILE APPROACH If you work in digital business, then chances are you’ve heard the term ‘agile’ bandied about more than once. In fact, recent research found that 97% of organisations are now practicing agile development methods, so chances are that at least some people in your organization are working in an agile way.. But, if you’re relatively new to the term, you may be wondering exactly what agile VENTURE CAPITAL: PROS AND CONS Cons. Loss of some control. The fact that VC firms are invested in your company’s success is great on many levels, but it does also mean that your investors will want a say in the direction your company takes. Precisely how much control you may cede depends a lot on the firm and investors you choose, but it would be a rare VC that didn’t

DIGITAL RISKS

In 2015, a tech whiz and an insurance guy joined forces to create an insurance experience fit for businesses in the digital age. This is the origin story of Digital Risks. WHAT ARE TRADESMEN PAY RATES 2021? A guide to pricing your trade. Whatever your trade - whether you’re a builder, electrician, gardener or carpenter - it’s important to understand tradesmen pay rates and all the factors that affect them. Knowing what your clients expect depending on your rates and how considerations such as location, qualifications and experience impact what you can charge will enable you to ensure your WHAT TO DO IF A CUSTOMER REFUSES TO PAY? What is the Restart Grant and how do I apply? If your business needs a little financial help to reopen because of Covid-19, you could be eligible for the UK Restart Grant. WHAT IS BUSINESS TURNOVER AND HOW DO YOU CALCULATE IT Gross profit = turnover minus cost of goods sold. For the above example, this is: £100,000 - £30,000 = £70,000 is your gross profit. Net profit = gross profit minus expenses. So, this would be: �70,000 - £15,000 = £55,000 is your net profit. In this example, your gross profit is the same as last year, but your net profit is

lower.

FOUNDER SUCCESS STORIES: YENA We spoke to Ash Phillips, founder of Yena, who made it his mission to help aspiring entrepreneurs do exactly that - turn their ideas into profitable businesses.Yena is an entrepreneurial accelerator platform that provides everything you need to start and grow a small business, meanwhile incorporating you within their global community of business-minded fellows alike. THE FIVE STAGES OF VC FUNDING Third stage (AKA Series B or C). By the third stage of VC funding you should be taking in a reasonable revenue, have a substantial user base and have a good rate of growth. The funding you get in the third stage will keep your basic operations running smoothly while you invest in things like product diversification, or maybe international GUIDE TO WORKING AS A CONTRACTOR IN THE UK The independence of working as a contractor has many benefits, but also risks. Find out how to manage these risks in our guide to working

as a contractor.

FINTECH INSURANCE

Crime. With Superscript, there's no need to obtain a separate crime policy. Our fintech insurance has crime protection included as standard. This means you'll be covered where there is theft of your own funds, or any client money that you are responsible for. We cover theft carried out by both electronic and physical means committed by

both

14 WAYS TO CREATE AN LGBT INCLUSIVE WORKPLACE Creating an LGBT inclusive workplace isn’t just the right thing to do. It makes business sense, too. "Inclusive workplaces ensure employees are safe, respected and able to fully contribute” says Jackie Ferguson, Head of Content & Programming at The Diversity Movement.. “An Oxford study showed that employees that are happy at work are 13% more productive, which means greater profitability STARTING YOUR OWN MOBILE NAIL BUSINESS Thinking of starting your own mobile nail business but feeling overwhelmed? Fear not – we’ve put together a guide to help you, with the wisdom of three successfully established mobile nail technicians: Marta Nagorska, Founder of Furious Filer; Natalie Rose, Founder of Nails by Natalie Rose; and Sabina Uzunovic - Founder of Nailed by Sabina.. Know your market SUPERSCRIPT PARTNERS WITH CYBERSMART We are very pleased to announce that we’ve teamed up with CyberSmart, the SME cybersecurity specialists, to provide free cybersecurity insurance for small businesses in just a few clicks.. The partnership is the latest illustration of how Superscript is driving the industry movement towards ‘embedded insurance’. PERSONAL EXPERIENCE OF STARTING A JOB REMOTELY Starting a new job is always difficult. Starting a job remotely during COVID-19 comes with its own set of challenges. Navigating through an unknown company culture is hard enough on its own. Matt, our Senior Designer, joined the team only a few weeks ago. FOUR GROWTH STRATEGIES FOR YOUR BUSINESS Only around 10% of small businesses survive long enough to make any kind of impression on the market. Those with the most staying power tend to have started out with an understanding of what it means to scale a business, and a roadmap for doing so. LOCKDOWN CONSUMER SPENDING TRENDS Lockdown consumer spending trends. “Good food. Luxurious pyjamas. Presents for friends. Skincare. Bed linen. Fancy chocolate.”. We asked friends and colleagues what they’re spending their cash on during quarantine, and the answer is clear: sweet treats and small indulgences are parting us from our cash like never before. ESSENTIAL LEGAL DOCUMENTS FOR YOUR BUSINESS As a business owner, you are probably over the moon about having brought your business ideas to fruition. Whilst your achievement is absolutely fantastic, such unbridled enthusiasm can make you forget about some arguably less exciting, yet very important legal matters to contend with when running a business. HOW TO UPSKILL YOURSELF Upskilling doesn’t only include ‘hard’ skills and knowledge. Soft skills like communication, teamwork and resilience are increasingly valued by employers. And while an online course can’t teach you everything, it’s amazing how many areas you can get a head start in: from how to succeed at interviews to communication and

negotiation.

THE FIVE STAGES OF VC FUNDING Third stage (AKA Series B or C). By the third stage of VC funding you should be taking in a reasonable revenue, have a substantial user base and have a good rate of growth. The funding you get in the third stage will keep your basic operations running smoothly while you invest in things like product diversification, or maybe international

SUPERSCRIPT

Authorised by the FCA. The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or PROS AND CONS OF THE AGILE APPROACH If you work in digital business, then chances are you’ve heard the term ‘agile’ bandied about more than once. In fact, recent research found that 97% of organisations are now practicing agile development methods, so chances are that at least some people in your organization are working in an agile way.. But, if you’re relatively new to the term, you may be wondering exactly what agile VENTURE CAPITAL: PROS AND CONS Cons. Loss of some control. The fact that VC firms are invested in your company’s success is great on many levels, but it does also mean that your investors will want a say in the direction your company takes. Precisely how much control you may cede depends a lot on the firm and investors you choose, but it would be a rare VC that didn’t

DIGITAL RISKS

In 2015, a tech whiz and an insurance guy joined forces to create an insurance experience fit for businesses in the digital age. This is the origin story of Digital Risks. WHAT ARE TRADESMEN PAY RATES 2021? A guide to pricing your trade. Whatever your trade - whether you’re a builder, electrician, gardener or carpenter - it’s important to understand tradesmen pay rates and all the factors that affect them. Knowing what your clients expect depending on your rates and how considerations such as location, qualifications and experience impact what you can charge will enable you to ensure your WHAT TO DO IF A CUSTOMER REFUSES TO PAY? What is the Restart Grant and how do I apply? If your business needs a little financial help to reopen because of Covid-19, you could be eligible for the UK Restart Grant. WHAT IS BUSINESS TURNOVER AND HOW DO YOU CALCULATE IT Gross profit = turnover minus cost of goods sold. For the above example, this is: £100,000 - £30,000 = £70,000 is your gross profit. Net profit = gross profit minus expenses. So, this would be: �70,000 - £15,000 = £55,000 is your net profit. In this example, your gross profit is the same as last year, but your net profit is

lower.

FOUNDER SUCCESS STORIES: YENA We spoke to Ash Phillips, founder of Yena, who made it his mission to help aspiring entrepreneurs do exactly that - turn their ideas into profitable businesses.Yena is an entrepreneurial accelerator platform that provides everything you need to start and grow a small business, meanwhile incorporating you within their global community of business-minded fellows alike. THE FIVE STAGES OF VC FUNDING Third stage (AKA Series B or C). By the third stage of VC funding you should be taking in a reasonable revenue, have a substantial user base and have a good rate of growth. The funding you get in the third stage will keep your basic operations running smoothly while you invest in things like product diversification, or maybe international GUIDE TO WORKING AS A CONTRACTOR IN THE UK The independence of working as a contractor has many benefits, but also risks. Find out how to manage these risks in our guide to working

as a contractor.

SUPERSCRIPT

Authorised by the FCA. The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or PROS AND CONS OF THE AGILE APPROACH If you work in digital business, then chances are you’ve heard the term ‘agile’ bandied about more than once. In fact, recent research found that 97% of organisations are now practicing agile development methods, so chances are that at least some people in your organization are working in an agile way.. But, if you’re relatively new to the term, you may be wondering exactly what agile VENTURE CAPITAL: PROS AND CONS Cons. Loss of some control. The fact that VC firms are invested in your company’s success is great on many levels, but it does also mean that your investors will want a say in the direction your company takes. Precisely how much control you may cede depends a lot on the firm and investors you choose, but it would be a rare VC that didn’t

DIGITAL RISKS

In 2015, a tech whiz and an insurance guy joined forces to create an insurance experience fit for businesses in the digital age. This is the origin story of Digital Risks. WHAT ARE TRADESMEN PAY RATES 2021? A guide to pricing your trade. Whatever your trade - whether you’re a builder, electrician, gardener or carpenter - it’s important to understand tradesmen pay rates and all the factors that affect them. Knowing what your clients expect depending on your rates and how considerations such as location, qualifications and experience impact what you can charge will enable you to ensure your WHAT TO DO IF A CUSTOMER REFUSES TO PAY? What is the Restart Grant and how do I apply? If your business needs a little financial help to reopen because of Covid-19, you could be eligible for the UK Restart Grant. WHAT IS BUSINESS TURNOVER AND HOW DO YOU CALCULATE IT Gross profit = turnover minus cost of goods sold. For the above example, this is: £100,000 - £30,000 = £70,000 is your gross profit. Net profit = gross profit minus expenses. So, this would be: �70,000 - £15,000 = £55,000 is your net profit. In this example, your gross profit is the same as last year, but your net profit is

lower.

FOUNDER SUCCESS STORIES: YENA We spoke to Ash Phillips, founder of Yena, who made it his mission to help aspiring entrepreneurs do exactly that - turn their ideas into profitable businesses.Yena is an entrepreneurial accelerator platform that provides everything you need to start and grow a small business, meanwhile incorporating you within their global community of business-minded fellows alike. THE FIVE STAGES OF VC FUNDING Third stage (AKA Series B or C). By the third stage of VC funding you should be taking in a reasonable revenue, have a substantial user base and have a good rate of growth. The funding you get in the third stage will keep your basic operations running smoothly while you invest in things like product diversification, or maybe international GUIDE TO WORKING AS A CONTRACTOR IN THE UK The independence of working as a contractor has many benefits, but also risks. Find out how to manage these risks in our guide to working

as a contractor.

FINTECH INSURANCE

Crime. With Superscript, there's no need to obtain a separate crime policy. Our fintech insurance has crime protection included as standard. This means you'll be covered where there is theft of your own funds, or any client money that you are responsible for. We cover theft carried out by both electronic and physical means committed by

both

14 WAYS TO CREATE AN LGBT INCLUSIVE WORKPLACE Creating an LGBT inclusive workplace isn’t just the right thing to do. It makes business sense, too. "Inclusive workplaces ensure employees are safe, respected and able to fully contribute” says Jackie Ferguson, Head of Content & Programming at The Diversity Movement.. “An Oxford study showed that employees that are happy at work are 13% more productive, which means greater profitability STARTING YOUR OWN MOBILE NAIL BUSINESS Thinking of starting your own mobile nail business but feeling overwhelmed? Fear not – we’ve put together a guide to help you, with the wisdom of three successfully established mobile nail technicians: Marta Nagorska, Founder of Furious Filer; Natalie Rose, Founder of Nails by Natalie Rose; and Sabina Uzunovic - Founder of Nailed by Sabina.. Know your market SUPERSCRIPT PARTNERS WITH CYBERSMART We are very pleased to announce that we’ve teamed up with CyberSmart, the SME cybersecurity specialists, to provide free cybersecurity insurance for small businesses in just a few clicks.. The partnership is the latest illustration of how Superscript is driving the industry movement towards ‘embedded insurance’. PERSONAL EXPERIENCE OF STARTING A JOB REMOTELY Starting a new job is always difficult. Starting a job remotely during COVID-19 comes with its own set of challenges. Navigating through an unknown company culture is hard enough on its own. Matt, our Senior Designer, joined the team only a few weeks ago. FOUR GROWTH STRATEGIES FOR YOUR BUSINESS Only around 10% of small businesses survive long enough to make any kind of impression on the market. Those with the most staying power tend to have started out with an understanding of what it means to scale a business, and a roadmap for doing so. LOCKDOWN CONSUMER SPENDING TRENDS Lockdown consumer spending trends. “Good food. Luxurious pyjamas. Presents for friends. Skincare. Bed linen. Fancy chocolate.”. We asked friends and colleagues what they’re spending their cash on during quarantine, and the answer is clear: sweet treats and small indulgences are parting us from our cash like never before. ESSENTIAL LEGAL DOCUMENTS FOR YOUR BUSINESS As a business owner, you are probably over the moon about having brought your business ideas to fruition. Whilst your achievement is absolutely fantastic, such unbridled enthusiasm can make you forget about some arguably less exciting, yet very important legal matters to contend with when running a business. HOW TO UPSKILL YOURSELF Upskilling doesn’t only include ‘hard’ skills and knowledge. Soft skills like communication, teamwork and resilience are increasingly valued by employers. And while an online course can’t teach you everything, it’s amazing how many areas you can get a head start in: from how to succeed at interviews to communication and

negotiation.

THE FIVE STAGES OF VC FUNDING Third stage (AKA Series B or C). By the third stage of VC funding you should be taking in a reasonable revenue, have a substantial user base and have a good rate of growth. The funding you get in the third stage will keep your basic operations running smoothly while you invest in things like product diversification, or maybe international

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�5.13

per month

Essential for all businesses needing protection against bodily injury and lost or damaged property. * Public liability insurance * Employers' liability insurance * Business contents insurance

PROFESSIONAL COVERS

From

�7.58

per month

Protect against risks associated with the professional services you provide and the way you market your business. * Professional indemnity insurance

* Cyber insurance

MANAGEMENT COVER

From

�6.90

per month

Protect your management and shareholders against the operational risks associated with running a company. * Directors' and officers' insurance BOOST YOUR COVER FROM £10.08 PER MONTH LEGAL PROTECTION INSURANCE Covers compensation awards, professional fees and legal costs associated with a range of legal disputes.

Find out more

COVER FOR OVER 1,000 BUSINESS TYPES Explore our most popular cover combinations by sector.

TECH & MEDIA

Software and IT services, marketing, telecommunications, film and TV,

photography

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PROFESSIONAL SERVICES Business consultants, accountants, real estate, financial and legal

services

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WELLBEING

Healthcare and sports professionals, hair and beauty services, complementary therapists

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RETAIL & E-COMMERCE

E-commerce, online marketplaces, pop-up shops, and retail stores

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OTHER SERVICES

Food and cleaning services, pet care and many other trades

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Find yours

WE INSURE THOUSANDS OF INNOVATIVE BUSINESSES AUTHORISED BY THE FCA The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234. A-RATED FINANCIAL STRENGTH PROTECTED BY THE FSCS The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234. Sign up for the latest industry updates, offers and expert tips!

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This website only provides a summary of the cover available. Please see your policy documents for full details of the cover, limitations and exclusions. Copyright ©️ 2021 Superscript. All rights reserved. Superscript is a trading name of Enro Limited, registered in England and Wales 9265254. We’re authorised and regulated by the Financial Conduct Authority 656459. By using this website, you’re agreeing to be bound by our terms of business

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