For your business
What an SME can save on besides tax
Services for an established business, each arranged through IQ Money.
Ways to save money and protect your business
Services that cut your running costs, protect your business and look after your staff.
Business insurance health check
Sums insured, turnover, staff numbers and stock change during the year. The policy was written for the business as it stood at renewal. The health check compares your cover with the business as it is now and is free.
of UK firms with 1 to 9 staff had no employers' liability insurance, which the law requires of most employers. ABI and Public First, January 2026.
Find out moreRelevant life insurance
Life cover a company takes out on a director or an employee. The policy sits in a trust and pays the person's family. The company pays the premiums. HMRC sets conditions for the tax treatment, so the policy has to be set up to meet them.
is the limit on the age the policy can run to. It must pay a capital sum on death under a specified age of no more than 75, and it can have no surrender value. HMRC Employment Income Manual, EIM15045.
Find out moreEnergy switching
Business contracts sit outside the Ofgem price cap and the smallest users pay the highest unit rates. The switching service checks your contract end date, unit rate and standing charge against the market and handles the move.
per kWh was the average electricity price paid by very small businesses in the first quarter of 2026. The average across all non-domestic users was 24.14p. DESNZ Quarterly Energy Prices, June 2026.
Find out moreTrade marks and brand protection
A registered trade mark gives you the right to take action against anyone who uses your name or logo without permission, to put the ® symbol next to it and to sell or license it. A trade mark attorney checks the register, chooses the classes and files the application.
is the Intellectual Property Office fee to register one trade mark in one class, with £50 for each further class. A registration lasts ten years and can be renewed. GOV.UK, Register a trade mark.
Find out moreFinancial services for the business
Loans, overdrafts, invoice finance, asset finance and commercial mortgages from high street banks, challenger banks and non-bank lenders. A broker puts your case to the lenders likely to accept it and compares the terms you are offered.
of gross bank lending went to UK SMEs in 2025, up 9% on the year. Around half of SMEs used external finance, with credit cards and overdrafts the most common products. British Business Bank, March 2026.
Find out moreFinancial wellbeing for your employees
A benefit your staff can use for help with debt, budgeting, pensions and protection. It is provided by a financial education platform used by UK employers and costs the business nothing. Your firm is the employer that made it available.
was the average sickness absence per employee in 2025. 57% of employers said factors outside work, including financial concerns, were among the causes. CIPD and Simplyhealth, Health and Wellbeing at Work 2025.
Find out moreHow an introduction works
You deal with the specialist firm directly. IQ Money arranges the first contact and nothing else.
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You tell us which service
Use the form and name the service. Add the renewal or contract end date if there is one, because that sets how soon the firm needs to speak to you.
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The specialist firm contacts you
Your details go to that firm and to no one else. It will ask for the documents it needs, such as your current policy schedule, your energy bill or your last set of accounts.
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You decide
The firm sets out what it found and what it would cost. There is no obligation to go ahead. IQ Money does not charge you for the introduction.
Which of these has your business not looked at this year?
Tell us which service you want to hear about and the specialist firm will be in touch.
Ask us about a serviceQuestions owners ask
Does IQ Money provide these services itself?
No. IQ Money introduces you to specialist firms and you deal with the firm directly. Each firm is regulated or registered where its service requires it. IQ Money does not give tax, financial or legal advice.
Is there a charge for an introduction?
IQ Money does not charge you for an introduction. The business insurance health check and the staff financial wellbeing benefit cost you nothing. Where a firm charges for its work, such as a trade mark attorney or a finance broker, it tells you the fee before you commit to anything.
Do I need to be a limited company?
Sole traders and partnerships can use the energy, insurance, trade mark and business finance services. Relevant life insurance is a policy an employer takes out on an employee, so it needs a company or an employer with staff. A sole trader cannot cover themselves with one. The staff benefit needs employees.
What happens to my details?
Your details go to the firm you ask about and to no one else, so it can contact you. The privacy policy sets out how IQ Money handles details.
Which service should I look at first?
If you have not looked at your insurance this year, start with the health check. It is free and the ABI found half of UK SMEs had not reviewed which types of cover they held in the previous twelve months. If your energy contract ends within the next six months, start with the energy switch, because a renewal letter sets the price for the next term.
Figures on this page come from the Association of British Insurers with Public First (January 2026), HMRC's Employment Income Manual, the Department for Energy Security and Net Zero Quarterly Energy Prices (June 2026), GOV.UK guidance on registering a trade mark, the British Business Bank (March 2026) and the CIPD with Simplyhealth (2025). Each is quoted as published. The services are provided by independent firms and IQ Money does not perform them. Nothing on this page is tax, financial or legal advice. Speak to your accountant or a regulated adviser before acting on anything here.