HR

1. Whether or not we really need to employ staffs? Yes, considering about the technology and the working time, the staffs are necessary. The part-time employees will be better and recruit people with relevant skills and experience.

2. How many staffs do we need? This is basis on the sales. General speaking, we need one for making the pizza and one for delivery at least. And according to the sales for the first month, we can increase the number. If it is essentially, we can find the agency staffs.

3. How about the regular basis wages? Almost all workers aged 18 and over are entitled to the National Minimum Wage (NMW). • The NMW for those aged 21 and over is £5.93. • There is a lower minimum wage of £4.92 for those aged 18 to 20. • Freelance and temporary workers are entitled to the minimum wage. • Workers aged 16 and 17 (except apprentices) are entitled to a minimum of £3.64 per hour. • Apprentices under the age of 19, or older than this but in the first year of the apprenticeship period, are entitled to a minimum of £2.50 per hour. (Minimum wage and statutory pay obligations, Santander, 2010  [Available at: [] ])

4. Will the staffs push up other overhead costs, such as the insurance and working clothes? Probability, the staff may need some insurance, [Sickness issues and SSP]

5. Insurance 5.1 employers’ liability insurance. This covers you against claims from employees for accidents or sickness they may suffer as a result of working for you. • the insurance cover at least £5 million. • the Certificate of Employers’ Liability Insurance at each place of business. we must keep it after it has expired. • our insurance must cover all employees, including contract staff and casual workers.

5.2 third-party motor insurance If delivery by car, we must buy at least third-party motor insurance • Third-party insurance covers your company’s liability for personal injury to someone else or damage to property.

5.3 Insure for common risks 5.3.1 The all-risks policy protects buildings and contents against a range of risks, such as fire, flood and theft in one policy. 5.3.2 Equipment failure can cause serious problems. • Equipment can be insured for the item’s value less a deduction for appropriate wear-and-tear, or on a ‘replacement as new’ basis. Check with your provider which covers your intended policy offers.

5.3.3 Business interruption insurance offers cover for any consequential losses suffered following the original loss (eg after a fire). • Many business insurance packages combine cover for loss of profits. • The amount of business interruption cover

5.4. Staff honesty policies — sometimes called fidelity policies — cover against theft and other forms of dishonesty by employees. These elements are often sold to businesses as a package of policies, with cover tailored for specific sectors, eg retailers, manufacturers, or construction firms (see box below). ** I am not sure whether we need or not **

5.5. Product liability insurance It is useful if our make, sell or repair products. We could be held liable for damage or injury caused by defects in your products’ design or manufacture, even if you have not been negligent. Product liability cover is often included with public liability insurance.

5.6 Credit insurance covers we against the risk of debtors becoming insolvent. • we can choose to insure whole or partial turnover and may be able to insure selected accounts. • Insurers will require to carry at least ten per cent of the risk yourself. [Available at: [] ]

5.7 How to get the most benefits about the insurances. Insurance for small and medium businesses is often sold in packages that group together the most common requirements, such as employers’ liability, buildings and contents, money and business interruption. • Buying insurance as a package can save time for small businesses, as we only source and negotiate once for all our insurance needs.

(© BHP Information Solutions Ltd 2008. ISSN 1369-1996. All rights reserved. No part of this publication may be reproduced or transmitted without the written permission of the publisher. This publication is for general guidance only. The publisher, expert contributors and distributor disclaim all liability for any errors or omissions. Consult your local business support organisation or your professional adviser for help and advice.)