Insurance Without the BS - What Founders Actually Need to Know

The Fractional CFO Show with Adam Cooper

The Fractional CFO Show with Adam Cooper
Insurance Without the BS - What Founders Actually Need to Know
Dec 03, 2025 Season 6 Episode 8
Adam Cooper

This week I’m joined by Michael Henderson, Founder of RiskBox Ltd, a man on a mission to help creative businesses understand what insurance they really need.

Michael brings a refreshingly honest take on one of the more confusing of running a businesses. He shares real stories, practical guidance, and insights that could save your business time, money and headaches when things go wrong.

🌟 Some of my favourite parts of our conversation include:

✅ Legal must-haves vs. nice-to-haves: What’s actually required when starting out.
✅ Overinsured or underinsured? Why many founders get this balance wrong.
✅ Contracts and cover: How to handle insurance clauses in big client agreements.
✅ Cyber and ransomware: What protection looks like in a digital-first world.
✅ “Mitigation of loss”: The little-known insurance clause that could save you thousands.

Episode Artwork Insurance Without the BS - What Founders Actually Need to Know 36:30 Episode Artwork Why Your Business Feels Broken, and How to Fix It 37:36 Episode Artwork From Sales Chaos to Sales Clarity 39:09 Episode Artwork From Accountant to CEO. The Future is Fractional 47:35 Episode Artwork Delay Kills Deals! Legal Lessons for Business Owners Thinking of Selling 28:01 Episode Artwork Moving marketing from a cost to a profit centre 37:19 Episode Artwork Hiring Your First 5 People Without Regret 42:38 Episode Artwork Building a Charity with a CEO’s Mindset 34:35 Episode Artwork Making Metrics Matter - KPIs for Small Businesses 31:31 Episode Artwork The Value Gap - Do or do not. There is no try. 39:23 Episode Artwork Marketing and Technology Driven Storytelling 34:00 Episode Artwork From Data to AI How Martech is Evolving 44:46 Episode Artwork Cost Optimisation for Sustainable Growth 37:42 Episode Artwork Scaling AI Solutions for Business Impact 34:45 Episode Artwork From Startup to Category King 36:20 Episode Artwork From Finance to Strategy: Supporting Small Businesses with Big Ambitions 31:30 Episode Artwork The Power of Networking for Financial Success with Lizzie Phillips 35:37 Episode Artwork Clarity of Mind on the Entrepreneurial Journey 38:58 Episode Artwork Smarter Growth with Design Thinking 38:17 Episode Artwork The Art of Finance 37:58 Episode Artwork Trapped in the Data Black Hole? Time to Upgrade! 41:51 Episode Artwork Navigating Change - Strategies For Small Businesses 36:55 Episode Artwork Considerations starting a business as a 2nd career 38:54 Episode Artwork The Importance of Wellbeing at Work 34:35 Episode Artwork Effective Marketing Plans for Small Business Owners 42:30