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Category: Affiliate Members

Joining Scottish Agritourism

Posted on by Melanie Allen

Membership is for agritourism businesses.

Working farms, crofts, estates producing food (noted as farms from here on), with a consumer facing offering including selling food direct, tourism or leisure. You may be a member of a farming family but running a separate tourism business based on or adjacent to the family farm.

Examples include –

  • All types of accommodation on farm
  • Farm tours and events including weddings, festivals and pop up food events
  • Farm cafes and restaurants
  • Farm shops selling farm produce including on-line shops
  • Sports and adventure sports on farms including equestrian

Membership is for one year from the date you paid your invoice.

Join here once you have read the category options below https://scottishtourismalliance.co.uk/apply-online/

On joining, you will be sent an invoice from the Scottish Tourism Alliance.

If you are unsure which category of membership you are in, please call Caroline Millar on 01382 320 707 before applying.

Category Which category? Rate
 

A

  

Do you have a self-catering business on your farm?

Go to C or D.

 

If you don’t have self-catering, does the agritourism element of your business have a turnover of less than £200k per annum? (including direct food sales from on-farm retail). Do not include the other elements of your faming turnover.

 

If Yes, you are in this category A.

If no, go to category B.

  

£225 (no VAT)

 

This rate includes automatic membership of the Scottish Tourism Alliance as well as Scottish Agritourism.
 

B

 Do you have a self-catering business on your farm?

Go to C or D.

 

If you don’t have self-catering and the agritourism element of your business (including direct food sales from on-farm retail) is more than £200k per annum, you are in this category, B.

  

£350 (no VAT)

 

This rate includes automatic membership of the Scottish Tourism Alliance as well as Scottish Agritourism.
 

C

  

You have a self-catering business on your farm.

If you are already a member of the Association of Scotland’s Self-Caterers (ASSC) you can join now.

If your turnover is less than £200k per annum from the total agritourism elements of your business, (including direct food sales from on-farm retail), but excluding other farm income, you are in this category, C.

If you are not already a member of ASSC, to take advantage of joining Scottish Agritourism at a reduced rate supplement, go to www.assc.co.uk and join for £129 plus VAT.

Then join here. There is normally a £50 joining fee but this is not payable at the moment, subject to change.

Please note, you MUST join ASSC first before Scottish Agritourism.

  

£100 (no VAT)

 

This rate includes automatic membership of the Scottish Tourism Alliance as well as Scottish Agritourism.
 

D

  

You have a self-catering business on your farm.

If you are already a member of the Association of Scotland’s Self-Caterers (ASSC) you can join now.

If your turnover is more than £200k per annum from the total agritourism elements of your business, (including direct food sales from on-farm retail), but excluding other farm income, you are in this category, D.

If you are not already a member of ASSC, to take advantage of joining Scottish Agritourism at a reduced rate supplement, go to www.assc.co.uk and join for £129 plus VAT. There is normally a £50 joining fee but this is not payable at the moment, subject to change.

Then join here.

Please note, you MUST join ASSC first before Scottish Agritourism.

  

£200 (no VAT)

 

This rate includes automatic membership of the Scottish Tourism Alliance as well as Scottish Agritourism.

ASSC Member’s offer for The Federation of Small Businesses (FSB)

Posted on by Melanie Allen

ASSC Member’s offer for The Federation of Small Businesses (FSB)

The Federation of Small Businesses (FSB) is the UK’s largest business support organisation, promoting and protecting the interests of the self-employed and small businesses.

Established in 1974 to help our members succeed in business, we are a non-profit making and non-party political organisation that’s led by our members, for our members.

Members get an exclusive package of business services including advice, financial products and support. These cover a wide range of benefits such as tax, legal and HR, local networking, business banking, insurance services, funding and much more

How can FSB help your business?  
If you run your own business, chances are you picked an industry you know and are passionate about. You’re confident that you know it well enough to be able to cope with whatever life throws at you. But what happens when you need to deal with something outside your field of expertise? No one person has all the answers. The good news is, joining FSB, the Experts in Business, means having someone on your side who does have the legal, tax or HR expertise needed.

What’s included in membership?
Right from the outset, FSB Business Essentials members have access to a range of advice, financial and support services designed to make your life easier, including:

  • Legal and tax protection scheme and legal costs insurance
  • 24/7 legal advice line
  • An extensive online legal hub with over 750 document templates and 430 factsheets
  • 24/7 employment advice, and fully customisable documents from the legal hub
  • Free business banking (subject to status)
  • Insurance advice
  • Cyber protection insurance
  • Debt recovery service

We can help your business grow by leaving you free to do what you’re best at: running your business.

ASSC Members can benefit from a discounted joining fee*, for more information or to join now, please contact 0808 2020 888 or visit www.fsb.org.uk/join-us/membership  quoting discount code AOSSC30

*FSB Business Essentials membership starts from £147 per annum with a £30 registration fee in the first year. This rate is applicable to businesses with no employees. Rates increase depending on your number of employees. Please see the website for full details of subscription rate bands. Until 5.00pm on the 17/12/2020 the registration fee will be waived for all Business Essentials full members joining and quoting the code AOSSC30. Code must be quoted during the joining process.|AS

Advice from JL Morris

Posted on by Melanie Allen

Advice from JL Morris – Insurance to excess

All insurances are subject to an excess, and this means that the pre-determined first part of any claim is not covered.

Different policies have different excesses so you will need to be aware of the level of financial contribution you will need to make towards your claim.

When you arrange your insurance it will be made very clear as to the level of excess that will apply for which events.  Each policy has a standard level of excess.  It is usual that a different excess will apply to different types of claims. For example, your home insurance policy may have, for all claims except escape of water, an excess of £100.00. For escape of water the excess could be £250.00, or more.

Can you increase the standard excess to an higher level of your choosing to reduce the premium?  Usually, yes, but you should weigh up the potential premium saving against the size of the excess.  If you save £5.00 on your premium and increase your excess from £100.00 to £250.00, is it worth it?

You must be aware as to whether the excess applies to the buildings separately, and the contents separately.  If you have one claim affecting both buildings and contents is there one excess deducted, or two?

Caution must be exercised if you wish to have a large excess.  If the claim occurs, are you able to easily find that level of money to cover your excess?  You may have saved a percentage of the premium, but at the time it matters most, do you have the cash available?

For self catering insurances the level of excess is usually the same whether an escape of water claim, or anything else.  Typically, the excess is £100.00 or £250.00 with no larger excess for escape of water claims.  We have seen an excess of £500.00 (on policies not used by us) for escape of water, so make sure you are aware before the claim occurs!

David J Morris ACII

Chartered Insurance Broker

J L Morris (Insurance Brokers) Limited

www.jlmorris.co.uk

01202 642840