The Forum of Private Business is the  2nd largest small business lobby group in the UK. For an annual fee of as little as £175pa Members of The FPB have free access to the following services: 24/7 HR, Legal, Health and Safety, Tax protection, Vat protection  Data Protection. Free membership of buying group, utility savings, Card processing Review, Free fuel card,  Commercial Finance, No win no fee debt recovery service, Private medical care, Free auto enrolment consultation and tailored report highlighting obligations timings and cost. Jury service compensation for business owners and staff. Can you afford not to be a member? HMRC investigations are random acts or group acts, and you have to pay all the costs involves. Do you have £25,000 - £30,000 to throw away on that? Many accountants offer insurance for this but it only covers the company not the officers or partners whereas FPB cover does. Fraud enabled by identity theft costs the UK £billions each year, and it’s on the increase, according to UK fraud prevention service CIFAS, which works with businesses in a variety of different sectors. There were 81,626 cases of identity fraud reported to CIFAS between January and September 2011, an increase of 2.2% on the same period in the previous year. Identity fraud represents just under half of all fraud reported to CIFAS. FPB membership covers prosecution cost.