Hi Sarah
With regard to Insurance. When we incorporated our company in November our first stop was our "family broker" who you'd think would've tried their darndest to find a competitive quote, to no avail.
We tried Darwin Clayton who specialise in 'cleaning insurance' wasn't impressed with their 'take it or leave' it attitude so I left it! Eventually we settled on:
Allied Insurance Services based in Wigan. tel 0844 815 6211 friendly down to earth advice, not pushy in any way, really helpful. Forgot to add, specialise in Cleaning.
There are lots of factors to take into consideration depending on your current & future needs. We are, perhaps, slightly different in that we'll have 150 cleaners by March and have £10 million Public Liability & £10 million Employer Liability and have to offer Stakeholder Pensions :
I'm sure Allied could tailor you a package for peace of mind...give them a ring, nothing ventured......ask for Mark.
I can't comment on expanding your business, we've been fortunate in that clients & cleaners have 'followed' my co-director so to speak.