FSB Benefits & Membership Costs – What You Actually Get and What It Actually Costs

  • What You’re Probably Wondering First

Is FSB Membership Worth It — and How Much Does It Actually Cost?

If you’ve landed here, you’re likely asking two questions:

  • What do I actually get if I join the Federation of Small Businesses?
  • How much does it cost — and is it worth it for me?

Those are the right questions. You’re not looking for fluff or sales talk — you’re looking for real answers to help you make a smart decision for your business.

So that’s exactly what this page will give you.

Here’s What You’ll Find Below:

  • A full breakdown of everything included in FSB membership — with no vague promises or hidden extras.
  • How the benefits actually help businesses like yours every day — whether you’re a sole trader or running a growing team.
  • A simple explanation of how the pricing works — so you know exactly what to expect.
  • How I (Christine Steele, your local Membership Advisor) can help you choose the right level of membership, and avoid paying for what you don’t need.
Why This Matters: There are a lot of schemes out there claiming to “support” small businesses. The truth is, many offer very little once you’ve joined. But with the FSB, you’re not just buying a badge — you’re gaining access to real, expert help when you need it most.

Legal advice. Tax protection. HR support. Training. Banking. Discounts. Peace of mind. All in one place — for a single, fair membership fee.

  • Everything You Get With FSB Membership

Support, Protection, and Practical Tools — All in One Place

Whether you’re just starting out, running a side hustle, or growing a team, one thing’s true: you’re wearing a lot of hats. Legal. HR. Tax. Payroll. Insurance. And somehow, you still need to make money and sleep at night.

That’s exactly why thousands of small business owners choose FSB membership.
This isn’t just a newsletter or a name badge. It’s a complete package of real-world support, tailored for small businesses like yours — grouped here by what matters most to the people I speak to every day.

Legal & Business Protection

What if something goes wrong — do I have anyone backing me up?

  • 24/7 Legal Advice Line – Call day or night and speak to qualified legal professionals. No bots. No waitlists.
  • Legal Expenses Insurance – Covers issues like employment disputes, tax investigations, and contract claims — because problems don’t always come with a warning.
  • Employment Tribunal Cover – Legal fees and awards are covered — even if a claim doesn’t go your way.
  • Tax Investigation Support – If HMRC ever comes knocking, FSB gives you expert representation at no extra cost.
  • Jury Service Cover – Protect your business income if you (or an employee) are called to serve.
  • 1,500+ Legal Documents – From employee contracts to non-disclosure agreements — download and customise instantly.
  • Director & Company Protection – Get peace of mind with advice tailored for limited company owners and directors.

HR & Health & Safety Support

I’ve got people depending on me — how do I stay compliant and covered?

  • Dedicated HR Department – Whether you’re hiring, firing, or just feeling stuck — FSB’s experts are on hand.
  • Health & Safety Advice Line – Talk to professionals about staying legally compliant, creating safe working environments, and understanding your responsibilities.
  • Occupational Health Services – Return-to-work planning, absence management, and employee wellbeing support.
  • Crisis PR Support – If a situation hits the press, you’ll have expert help to manage your message.

Healthcare & Wellbeing (Optional Add-On: FSB Care)

Who looks after me while I’m busy looking after the business?

  • Online GP Appointments – 24/7 video consultations without the wait — for you and your family.
  • Mental Health Counselling – Confidential support from qualified professionals, whenever you need it.
  • Online Physiotherapy – Injury recovery support from registered physiotherapists — from the comfort of home.
  • Dementia Counselling Support – Help for you or a loved one during what can be a very difficult time.

Training & Skills Development

How do I upskill myself or my team without huge costs?
  • 700+ Online Courses — Just £80 Per Person – Health & safety, business skills, marketing, leadership, GDPR and more — all CPD-certified and ready to access online.

Financial, Banking & Lifestyle Perks

Can I actually save money by joining?
  • Free Business Banking – Exclusive offers through Co-operative Bank, Zempler, or TIL by NatWest.
  • Funding Platform Access – Easily find small business loans and grants in one place.
  • Payroll & Pensions Help – Get affordable, compliant solutions without the hassle.
  • FSB Insurance Service – Access tailored, reliable insurance policies built for small businesses.
  • Member Discounts – Save money on everyday essentials — from software to gyms, office supplies to restaurants.
  • 🔄 Bonus: All of This, In One Place — With Someone to Help You Use It

And here’s what makes this different: you’re not left to figure it out alone.
I’ll personally walk you through what’s most useful for your business, and make sure you’re using what you’re paying for.

  • Why Join Through Christine?

No Guesswork. No Confusion. Just Personal Support From Someone Who Gets It.

If you’ve ever tried to join a membership or service online and ended up lost in forms, confused by jargon, or unsure if you were doing it right — you’re not alone.

That’s exactly why I do what I do.

I’m Christine Steele, your local FSB Membership Advisor for Bristol and South Gloucestershire. I work with small business owners every day — people just like you who want to make smart decisions without wasting time or money.

When you join the FSB through me, you don’t just get a login and a welcome pack. You get a real person who knows the system inside out — and who’s here to help you every step of the way.

What You Can Expect When You Work With Me

  • Friendly, Pressure-Free Advice – I’ll listen to what you need, walk you through your options, and help you decide if FSB is right for your business.
  • Help Choosing the Right Membership Level – I’ll help you avoid underpaying or over-covering — and explain exactly what you’re getting.
  • Support With the Application – I’ll guide you through the signup process, make sure it’s done right the first time, and ensure your benefits are active from day one.
  • I Stick Around – Need help accessing your legal helpline? Want to understand how a benefit works months down the line? I’m still here.
The Best Part? There’s no extra cost to work with me. You pay exactly the same membership fee as you would online — but you get it with clarity, confidence, and a real person who cares about helping your business succeed.
  • What Does FSB Membership Cost?

No Surprises, No Hidden Fees — Just a Straightforward Price Based on Your Business Size

Your FSB membership fee is based on the size of your business — specifically, how many employees you have. Whether you’re a sole trader or managing a growing team, the pricing is designed to be affordable, fair, and proportional to the protection and support you’ll receive.

There are no sneaky upsells, no hidden costs, and no automatic renewals without notice.

Business Size

Annual Fee

✅ There is No VAT on membership fees
✅ Your renewal date is always clear and your benefits continue without interruption

Need Help Choosing the Right Level? If you’re not sure how your team size affects your cover — or if you’re right on the edge between tiers — that’s exactly what I’m here for.
One Last Thing: Unlike some memberships, you’re not locked in for life. If your business changes or you decide not to renew next year, that’s your call — no cancellation headaches, no guilt trips.

I had been a member of the FSB for over 10-years and enjoyed the peace of mind knowing I had cover. However, after a 10-minute conversation with Christine, and I changed my bank to free banking, saving me almost all of my FSB membership fees. When recently I was threatened with a false and malicious threat of legal action - 5 minutes on the phone with an FSB solicitor and I was assured there was no case to answer, saving hours, days and weeks of worry - priceless!”
Marketing Agency Owner, Bristol.
  • What’s the Right Membership Level for You?

Not Sure What Level You Need? You’re Not the Only One — and You Don’t Have to Guess.

It’s completely normal to feel unsure about what level of membership is right for your business.

  • I don’t want to underpay and miss something important… but I also don’t want to spend more than I need to. What should I do?

That’s exactly what I’m here to help with.

Let’s Make It Simple When we talk, I’ll ask you a few quick questions about your business — like whether you have employees, if you operate as a sole trader or limited company, and whether you plan to grow this year.

From there, I’ll help you:

  • Pick the right membership level based on your size and needs
  • Understand exactly what’s included at each tier
  • Get signed up quickly — without confusion or wasted time

Here’s the Truth: You don’t need to read through pages of small print or second-guess every option. You just need someone who knows the system and is on your side.

Bonus Tip: If your business changes during the year — you grow your team, change structure, or scale things back — just let me know. We can review your membership and make sure it still fits.

Request the full FSB benefits breakdown by email — no spam, no pressure.

  • Ready to Take the Next Step?

Still Exploring or Ready to Join? Here’s the Easiest Way to Move Forward

Whether you’re 90% sure or still weighing things up, the next step doesn’t need to be complicated. You don’t have to commit right now, and you don’t need to fill in a long form.

You just need a simple way to get the answers you need — from someone who knows the ins and outs and genuinely wants to help.

That’s what I’m here for. Pick What’s Right for You:

  • Book a Free, No-Pressure Call
  • I’ll answer your questions, help you choose the right membership level, and walk you through how to make the most of your benefits.
  • Request Info by Email
  • Prefer to take it away and read in your own time? I’ll send you a clear, easy-to-read breakdown of benefits and pricing.
  • Not Quite Ready? That’s OK.
  • You’re welcome to browse, ask questions, and come back when the time’s right.
  • Final Reassurance

I know how much is on your plate. If joining the FSB helps lift even a little of that load — it’s worth it. Let’s see if it’s the right fit for you.

  • Christine Steele
FSB Membership Advisor for Bristol & South Gloucestershire