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We’re here with practical legal information for your business. Learn about employment law, company law and more.


Setting up a business involves complying with a range of legal requirements. Find out which ones apply to you and your new enterprise.

What particular regulations do specific types of business (such as a hotel, or a printer, or a taxi firm) need to follow? We explain some of the key legal issues to consider for 200 types of business.

While poor governance can bring serious legal consequences, the law can also protect business owners and managers and help to prevent conflict.

Whether you want to raise finance, join forces with someone else, buy or sell a business, it pays to be aware of the legal implications.

From pay, hours and time off to discipline, grievance and hiring and firing employees, find out about your legal responsibilities as an employer.

Marketing matters. Marketing drives sales for businesses of all sizes by ensuring that customers think of their brand when they want to buy.

Commercial disputes can prove time-consuming, stressful and expensive, but having robust legal agreements can help to prevent them from occurring.

Whether your business owns or rents premises, your legal liabilities can be substantial. Commercial property law is complex, but you can avoid common pitfalls.

With information and sound advice, living up to your legal responsibilities to safeguard your employees, customers and visitors need not be difficult or costly.

As information technology continues to evolve, legislation must also change. It affects everything from data protection and online selling to internet policies for employees.

Intellectual property (IP) isn't solely relevant to larger businesses or those involved in developing innovative new products: all products have IP.

Knowing how and when you plan to sell or relinquish control of your business can help you to make better decisions and achieve the best possible outcome.

From bereavement, wills, inheritance, separation and divorce to selling a house, personal injury and traffic offences, learn more about your personal legal rights.

Who’s responsible for an employee’s financial wellbeing?

When financial problems occur, it feels as if disaster has struck. In many cases it really has, as plenty of people feel driven to rack up unpayable debts and harm their credit score in the process. It’s a spiral of misery, and employers can’t afford to look the other way.

However, aside from a few standard legal obligations, employers aren’t required to step in and lend a hand. Of course, from a moral and ethical standpoint, things may feel rather different.

It’s worth asking the question; who’s legally responsible for an employee’s financial wellbeing?

Employer responsibilities

The employer must maintain keen oversight of their business, ensuring that all the correct processes are followed when it comes to paying workers on time and enrolling them on efficient pension schemes. These issues come with a great deal of responsibility, and can’t be ignored at the convenience of the employer or business. It’s the law!

It’s also the responsibility of employers to keep on top of all the legal changes that occur with pensions. For example, it was only two years ago that the qualifying age for enrolment in a workplace pensions schemes was cut, meaning that 18-21 year olds are now automatically enrolled to help them save for retirement.

Employers need to stay on top of these big changes, so that they can adapt their business in accordance with the law to better support their workers.

The role of accounts

Of course, one could argue that employers don’t usually make salary and pension payments themselves. This role usually falls to accounting staff, who perform the processes that ensure everyone is financially looked after. To a major degree, they are responsible for ensuring employees receive their pay on time and in full.

In the event of fraudulent activity, those responsible would certainly face firings and even prosecution, depending on the nature of their offence.

The employer would face their fair share of finger-pointing, for not checking their staff's competence and activities. The business itself could be liable for legal action too, depending on what transgressions took place.

However, as long as the business and its staff stay within the law, and make all due payments on time, they are not responsible for their employees' financial status outside work.

Going above and beyond

Perhaps it’s wrong to suggest a business bears any responsibility for their employees' financial wellbeing.

All the same, when employers go above the bare minimum of what’s required of them, employees will appreciate the help and feel a sense of gratitude and loyalty. Productivity improves and staff turnover goes down when employees feel as though their employers are there for them in times of additional need.

Employers can provide extra support for employees by providing a wage advance scheme, enabling employees to get an advance on their monthly wages if needed. This can help them avoid turning to 'payday' loans in emergency situations, which can lead to high charges and further debt.


There’s no one person who’s responsible for the entirety of an employee’s financial wellbeing. As with so many things in life, it’s a team effort.

Although all businesses must stick to their legal responsibilities around pay and pensions, a diligent workplace can take things a step further, and provide additional support to show that they value and care about their employees.

Copyright © 2019 Article was made possible by site supporter Victoria Harrison.

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