The UK’s Spring Statement 2025 is being pitched as a pivotal moment for national growth — and the construction and trades sector stands to benefit in a big way. With headline-grabbing announcements on housebuilding, skills investment, and capital funding, this Statement sets the tone for an industry poised for expansion.
We’ve collated an overview of what the Spring Statement means for construction workers, employers, and trades professionals — and how these changes could reshape the landscape in the coming years.
A £6.8 billion boost: The economic impact of planning reform
One of the most significant changes comes from landmark planning reforms. The Office for Budget Responsibility (OBR) has projected a £6.8 billion boost to the economy as a result — with UK housebuilding expected to reach its highest level in over 40 years by 2029–30.
These reforms aim to streamline the building process, unlock stalled sites, and reduce bureaucratic hurdles. For tradespeople and construction firms, this means:
More projects coming online quicker.
Increased demand for skilled labour across the supply chain.
Opportunities for long-term business growth and stability.
Skills investment: Training 60,000 new construction workers
The government is addressing a long-standing bottleneck in the sector: the skills shortage.
A £625 million skills package will fund:
35,000 new places in construction-focused Skills Bootcamps.
10,000 Foundation Apprenticeships for young people entering the trade.
10 new Technical Excellence Colleges specialising in construction.
Increased funding for training providers, helping both young people and adults access training.
40,000 new industry placements each year, jointly funded with the Construction Industry Training Board.
What this means for the industry: Whether you’re a contractor, training provider, or someone looking to enter the field, this injection of funding signals a major opportunity. Employers may be able to tap into government-supported training pathways, helping address staffing shortages and upskilling existing teams.
Affordable housing: £2 Billion for new homes, built now
A new £2 billion fund will deliver up to 18,000 new social and affordable homes during this Parliament. The funding comes with a caveat: it must support developments that will break ground during this Parliament — i.e., no delays.
This means:
Priority for shovel-ready projects in areas like Manchester and Liverpool.
More consistent workstreams for regional contractors.
Faster delivery schedules and potentially tighter project timelines.
Capital investment to spur private growth
The government is injecting an additional £13 billion of capital investment to help “get Britain building.” This comes on top of a £100 billion commitment from the Autumn Budget.
This money will support:
Infrastructure upgrades
Regional development, including the Oxford-Cambridge Growth Corridor
Strategic investments to unlock private sector construction projects
With GDP growth projections rising by 0.6% by 2034–35, the sector is likely to be a key engine for broader economic recovery and expansion.
More money in people’s pockets & increased demand
By the end of this Parliament, people are expected to be £500 a year better off on average. While modest, this rise in disposable income could stimulate:
Greater demand for home improvements
Increased appetite for renovations and private building projects
More confidence in self-employed tradespeople and SMEs
This rise in consumer confidence is essential for maintaining momentum in both residential and commercial construction.
A time of opportunity
The Spring Statement 2025 paints a picture of an ambitious government plan aimed at revitalising the economy with construction at its core. While execution remains to be seen, the commitments to funding, reform, and training offer a real chance for growth.
For trades and construction businesses, now is the time to:
Explore available training grants and apprenticeships
Position for public-sector tenders and affordable housing projects
Engage in planning processes to benefit from reforms
The industry has long called for action on skills, infrastructure, and planning. Time will tell if this statement suggests that Westminster is finally listening.
Get Tradesman Insurance from Protectivity
At Protectivity, we offer affordable tradesman insurance designed to cover the specific risks faced in your industry. Our policies include public liability coverage of up to £5 million as standard, with optional add-ons such as Contractor Works cover, Plant and Tools cover, financial loss protection, and employee tools cover (available when selecting other benefits). This ensures you’re prepared for unexpected costs when unforeseen events occur. Plus, you can now insure your tools from just £8.98 a month with our new tools insurance.
Take just two minutes today to explore our trades insurance options and secure the protection you need.
*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date.
As a sole trader, you might think that hiring employees is out of reach. However, sole traders can hire people, just like other larger businesses. This guide explores who you may hire and the process of hiring people as a sole trader. We’ll also cover key considerations and legal obligations you must meet when bringing on staff. With the right approach, hiring employees can help scale your business and free up time for you to focus on the bigger picture.
What is a sole trader?
A sole trader is a self-employed individual who owns and operates a business. This structure is the simplest and most common form of business. As a sole trader, you are personally responsible for all aspects of the business, including debts and legal obligations. While it may seem daunting to hire staff as a sole trader, many successful businesses start this way. As your business grows, hiring employees or contractors can help you manage tasks, increase productivity, and expand your services.
Can a sole trader hire employees?
Yes, a sole trader can hire employees. While you are the sole owner, you can employ casual workers, full-time staff, or hire self-employed contractors to support your business operations. However, you must adhere to employment laws and regulations, including tax obligations and worker rights. Hiring employees means taking on additional responsibilities, but it can also open up new opportunities for your business. It’s essential to ensure you are compliant with legal requirements, such as PAYE (Pay As You Earn) tax systems, pension schemes, and other benefits that employees are entitled to.
Before hiring anyone, make sure you fully understand your legal obligations as an employer. This includes responsibilities for taxes, national insurance, and providing a safe and fair working environment. Failing to meet these obligations can lead to fines and legal issues.
Budget and payroll management
Hiring employees comes with significant financial commitment. You’ll need to consider wages, taxes, and potential benefits such as sick pay, holiday pay, and pensions. Before hiring, ensure your business can afford to pay salaries regularly and manage the financial impact of staffing. For a clearer understanding of the potential costs involved in hiring an employee, check out our guide on the cost of employing someone.
Job description and recruitment process
Clearly defining the roles and responsibilities of any position will not only help attract the right candidates but also ensure that both you and the employee have clear expectations. The recruitment process should be efficient and transparent, and it’s important to think about how you will train and support your new staff.
Finding good employees
It’s essential to attract the right talent to your business. Building relationships in your industry, networking at business events, and using online platforms can help you find skilled candidates who align with your business needs.
Who might a sole trader hire?
Casual workers
These are temporary or part-time employees who assist in managing workload during busy periods. For example, a retail shop owner might hire extra staff during peak holiday seasons or a catering business might bring on additional servers for a large event. Casual workers offer flexibility, but it’s essential to comply with employment laws regarding pay, working hours, and benefits.
Self-employed labourers or contractors
These are independent professionals who provide specialised services without becoming full-time staff. For instance, a sole trader in construction might hire an electrician or plumber for specific tasks. This approach allows access to expertise without the long-term financial commitment of full-time employment. However, it’s important to establish clear contracts outlining the scope of work and payment terms.
Administrative support
Hiring an office assistant or virtual assistant can help with day-to-day tasks such as managing schedules, responding to customer enquiries, handling bookkeeping, and managing social media accounts. This support can free up your time to focus on core business activities and improve overall productivity.
Specialised professionals
Engaging experts like accountants, marketers, or IT specialists can be crucial for business growth. An accountant can manage your taxes and financial records, a marketing expert can help with advertising and customer outreach, and an IT professional can handle website management and technical support. These professionals can be hired on a freelance basis or for specific projects, depending on your business needs.
Pros and cons of hiring employees as a sole trader
Hiring employees as a sole trader can help you scale your business, but it comes with its advantages and challenges. It’s important to carefully consider both sides before making the decision.
Pros of hiring employees
Increased productivity: Delegating tasks allows you to focus on growing your business and handling higher workloads.
Ability to take on more clients: With additional staff, you can expand your business by taking on more projects or offering additional services.
Improved reputation: Having employees can give your business a more professional image, which can boost customer trust and attract larger clients.
Better work-life balance: With employees handling the day-to-day, you’ll have more personal time and avoid burnout.
Access to specialised skills: Employees can bring in expertise you may not have, such as marketing, accounting, or technical skills, which can improve overall efficiency.
Cons of hiring employees
Increased costs: Wages, taxes, and benefits can significantly affect your business finances.
Legal responsibilities: You’ll need to comply with employment laws, which may involve contracts, tax filings, and insurance.
Management and training: You’ll need to invest time in training employees and managing their work, which can take away from other tasks.
Risk of poor hires: A bad hire can result in wasted time, money, and productivity, so finding the right person is crucial.
Less flexibility: With employees, you may have to accommodate schedules, holidays, and other factors that can limit your flexibility.
How to Find Good Employees
Network within your industry: Attend events and join professional groups.
Leverage online platforms: Use websites like Indeed or LinkedIn.
Referrals and recommendations: Ask existing contacts for recommendations.
Offer competitive benefits: Provide incentives to attract top talent, such as flexible hours, career development opportunities, and performance bonuses.
How to hire casual workers and the typical recruitment process
Casual workers are employed on a flexible, non-permanent basis. Here’s how to hire them:
Identify your needs: Determine the type of work, required skills, and duration of employment. Assess whether you need additional help for seasonal peaks, special projects, or occasional support.
Advertise the position: Use job platforms such as Indeed, community boards, or social media groups to reach potential candidates. Consider word-of-mouth referrals and local job fairs for better outreach.
Screen applicants: Review applications, conduct interviews, and verify references. Ensure that the candidate has the necessary experience and a good cultural fit for your business.
Set terms of employment: Clearly outline working hours, pay rates, and job responsibilities. Specify the duration of employment and any conditions related to termination or extensions.
Ensure legal compliance: Check the worker’s right to work, and meet minimum wage requirements. Provide a written agreement or contract that protects both parties.
Manage payroll and taxes: Register with the tax authority, if necessary, handle tax deductions, and provide payslips. Ensure compliance with any national insurance contributions or pension schemes.
Onboarding and training: Introduce the employee to your business operations and provide any necessary training.
Monitor performance: Provide feedback and support to help casual workers perform efficiently. Maintain proper records of working hours and wages.
How to register as an employer
If you decide to hire employees, you must register as an employer with the relevant tax authority. For instance, in the UK, you would register with HM Revenue & Customs (HMRC).
Steps to register as an employer:
Register with the tax authority: This typically involves providing your business details and employee information.
Set up payroll: To handle employee wages, taxes, and National Insurance contributions.
Obtain employer liability insurance: Protect yourself against claims from employees.
Adhere to employment laws: Ensure compliance with minimum wage laws, working hours, and employee rights.
Technology and tools for managing a team
Payroll software: Tools like QuickBooks or Xero to manage employee wages and tax deductions.
Project management platforms: Trello or Asana for tracking progress and collaborating with contractors.
Communication tools: Slack or Microsoft Teams for seamless team communication.
Time tracking software: Apps like Clockify or Toggl for monitoring working hours and productivity.
Post-hiring strategies
After hiring employees, it’s crucial to set them up for success and foster a positive work environment. Start with a solid onboarding process, where you introduce them to your company culture, explain their role, and provide any necessary training. This helps them feel confident and integrated into the team from day one.
Clear communication about expectations and responsibilities is key. Make sure they understand their goals, and check in regularly to offer support and feedback. Recognising their achievements and providing constructive feedback will help keep them motivated and engaged.
Investing in ongoing development opportunities, such as training or cross-skilling, can help employees grow professionally while contributing to your business’s success. Lastly, creating a positive, supportive work environment encourages employee satisfaction and loyalty, which is essential as your business grows.
Typical examples
Catering business
A sole trader running a catering business hires casual staff for large events, such as weddings or corporate functions, to handle busy periods without the need for permanent employees.
Crafting business
A handmade jewellery maker hires a part-time assistant to help with packaging and order management, and contracts additional crafters during peak seasons like the holidays.
Tradesman
A plumber hires self-employed subcontractors, such as electricians, to help with larger projects or during busy times, allowing for flexibility and expanded services.
Personal trainer
A personal trainer hires additional trainers on a casual basis to manage increased demand during peak seasons, like New Year’s resolution time, or to assist with group classes.
Dog walker
A dog walker hires part-time workers to assist with walking multiple dogs during busy hours, ensuring that the business can handle more clients and larger areas without hiring full-time staff.
To round up
Hiring as a sole trader is entirely possible and can help grow your business. By understanding the legal requirements, identifying the right candidates, and managing payroll effectively, you can build a strong team to support your business goals. Whether you’re looking to hire casual workers or self-employed contractors, following a typical recruitment process will help you find and retain good employees. Expanding your team can be a game-changer for your business, and with the right approach, you can ensure that you hire the best talent to help you succeed.
Get Small Business Insurance from Protectivity
If your business is expanding and you’re bringing new employees on board, it’s essential to consider all the associated costs, including insurance. Ensuring compliance with employment laws and regulations is crucial, and having Employers’ Liability insurance is a legal requirement if you hire staff.
Protectivity’s small business insurance is designed to safeguard your business as it grows. Public Liability insurance is included as standard, protecting you against claims from third parties for injuries or property damage. Additionally, optional Employers’ Liability ensures you’re protected should an employee suffer an injury or illness related to their work.
No matter what type of business you run, having the right insurance in place is key to long-term success. Protectivity offers tailored small business insurance with flexible options, including equipment cover and industry specific add-ons.
Find out more and get a quick quote today to ensure your business, and your team, are fully protected.
*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date.
Hiring the right people is one of the most critical aspects of running a successful small business. The right employees can drive your business forward, but the wrong hires can cost you time, money, and even damage your company culture.
With the increase in minimum wage and higher national insurance contributions taking effect in April 2025, the cost of hiring is set to rise significantly. This puts even greater pressure on small business owners to ensure they are hiring the right people and making every hire count. Wasting resources on the wrong candidates can be more costly than ever, making it crucial to avoid common hiring mistakes that lead to poor staff choices and high turnover.
From acting too fast in the process or failing to onboard effectively, this post will explore some of the most frequent hiring mistakes small businesses make, why they happen, and how to avoid them.
Hiring from large organisations
Many small business owners assume that hiring someone from a large corporation guarantees experience, professionalism, and efficiency. While candidates from big companies may have impressive CVs, they often struggle to adapt to the flexibility, multi-tasking, and hands-on approach required in smaller businesses.
You hire a senior manager from a well-known corporate company, expecting them to bring structure and expertise. However, they’re used to having specialised teams, extensive resources, and defined processes—none of which exist in your smaller setup. As a result, they can struggle to adjust, leading to frustration on both sides.
During the interview, ask situational questions about working in smaller teams and handling a broad range of responsibilities.
Look for candidates who show adaptability, problem-solving skills, and a hands-on approach.
Consider hiring those with experience in SMEs, start-ups, or roles where they’ve had to be resourceful and work independently.
Hiring less experienced staff to save costs
Small businesses often operate on tight budgets, leading them to hire less experienced staff to save money. While this might seem like a cost-effective solution, underqualified employees may require more training, make costly mistakes, and take longer to reach full productivity.
A business owner hires a fresh graduate because they’re enthusiastic and willing to work for a lower salary. However, the role requires decision-making and technical skills that take years to develop. Without adequate experience, the new hire struggles, leading to missed deadlines and customer complaints.
Balance cost-saving with the need for competency—hiring someone who can do the job well will save money in the long run.
If hiring someone with less experience, ensure they have strong problem-solving skills and the ability to learn quickly.
Provide structured training and mentorship to help them grow into the role.
Rushing the recruitment process
When a role needs filling urgently, it’s tempting to hire the first promising candidate without thorough assessment. However, rushed hiring decisions often lead to mismatches in skills, culture, or attitude, ultimately resulting in higher turnover and wasted resources.
A small business loses a key employee unexpectedly and rushes to hire a replacement within a week. The new hire seemed good on paper but lacks key skills and struggles with the company’s pace and culture. Three months later, they leave, putting the business back to square one.
Plan ahead for hiring by anticipating future staffing needs.
Create a structured hiring process, including multiple interview stages, skill assessments, and reference checks.
Consider temporary solutions (e.g., freelancers or interim staff) rather than making a rushed long-term hire.
Lack of an onboarding process
Many small businesses believe that once an employee is hired, they should hit the ground running. However, without a proper onboarding process, new employees may feel lost, underprepared, or disconnected from the team. Poor onboarding can lead to early resignations and lower productivity.
A new hire starts their first day with no formal introduction, no training, and unclear expectations. They struggle to understand their role and don’t feel part of the team. A few months later, they leave for a company that offers better support and structure.
Develop a simple onboarding checklist covering company culture, key responsibilities, and training.
Assign a mentor or buddy to help new employees settle in.
Schedule regular check-ins during the first few months to ensure they feel supported.
Not investing in employee development
Some small businesses see training as an unnecessary expense, assuming employees should “learn on the job.” However, failing to invest in development leads to stagnation, demotivation, and higher staff turnover, as employees look elsewhere for growth opportunities.
A promising employee starts strong but after a year, they feel stuck. Without training or new challenges, their enthusiasm drops. Eventually, they leave for a company that offers better career progression.
Offer regular training opportunities, even if they are low-cost (e.g., online courses, industry events, or mentorship).
Encourage employees to take on new responsibilities and develop their skills.
Conduct regular performance reviews and discuss career development goals.
Not setting clear expectations and milestones
Some small business owners might assume employees will “figure it out” as they go. However, without clear expectations, employees may not know what success looks like, leading to underperformance and frustration.
A new hire is expected to manage social media but isn’t given specific goals. After three months, the business owner is disappointed with the lack of growth, but the employee was never told what was expected in the first place.
Define clear roles, responsibilities, and success metrics from the start.
Set short-term and long-term goals with measurable outcomes.
Schedule regular feedback sessions to track progress and offer guidance.
Not admitting when a hire was the wrong decision
Hiring mistakes happen, but refusing to acknowledge them can harm the business. Keeping the wrong employee too long can lower team morale, reduce productivity, and create unnecessary stress for everyone involved.
A small business hires a salesperson who isn’t meeting targets and struggles with customer interactions. Instead of addressing the issue early, the owner keeps them on for a year, hoping things will improve. By the time they let them go, the business has already lost valuable sales.
Be honest with yourself when a hire isn’t working out.
Provide feedback and support to help underperforming employees improve but set clear timelines for progress.
If it’s clear the role isn’t a good fit, handle the situation professionally and make a timely decision.
Not having Employers’ Liability Insurance
Employers’ liability insurance is a legal requirement for most businesses in the UK that employ staff. Failing to have this cover can result in hefty fines and serious financial risks if an employee makes a claim for a work-related injury or illness. Despite this, some small business owners either overlook it or assume it’s not necessary, leaving them exposed to potential legal and financial trouble.
A small business hires its first employee but doesn’t take out employers’ liability insurance, believing it’s only needed for larger companies. A few months later, the employee suffers a work-related injury and makes a claim. Without insurance, the business faces significant legal costs and compensation payments, putting its financial stability at risk.
Understand your legal obligations—if you have employees, you are required by law to have employers’ liability insurance (with a minimum cover of £5 million).
Regularly review your insurance to ensure it covers your business needs as you grow and take on more employees.
Be aware the penalties also apply for failing to have employers’ liability cover when you have people working for you whether they are full-time, part-time, volunteers or apprentices.
To sum up…
Hiring the right employees is one of the biggest challenges small businesses can face, but avoiding these common mistakes can make the process smoother and more effective. By taking the time to hire carefully, investing in onboarding and development, and setting clear expectations, small businesses can build a strong, motivated team that drives success.
If you’re looking to refine your hiring process, start by evaluating your current approach—small changes can lead to big improvements!
Add Employers’ Liability Insurance from Protectivity
Protectivity offers affordable small business insurance suitable for sole traders, freelancers and other small business owners, specialising in a wide range of different activities.
Public liability is included with options to add extras such as employers’ liability and other specific industry add-ons. It’s a legal requirement to have Employers’ Liability insurance if you employ just one staff member, volunteer or apprentice with penalties for failing to comply.
*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date.
As a tradesperson, running your business means facing various expenses, from tools and transport to insurance and marketing. But how do you know what counts as a business expense? Understanding what you can and can’t claim on your tax return ensures you don’t pay more than necessary. This guide breaks down the key expenses you can claim that could help reduce your tax bill and keep your business financially healthy.
What expenses does a tradesman face?
Tradespeople, whether self-employed or working for a limited company, face various costs to keep their businesses running smoothly. Essential expenses include tools and equipment, work clothing, travel and vehicle costs, insurance, and marketing. Many also pay for training to maintain their skills, rent for premises or workshops, and fees for professional memberships. Some tradespeople may need to hire subcontractors, which adds to overall business costs. Understanding these common expenses is crucial for managing finances and ensuring all allowable deductions are claimed.
What can I claim as work expenses?
If an expense is wholly and exclusively for business purposes, it is usually tax-deductible. Here are some of the key expenses you can claim:
Mileage and Accommodation
If you travel for work (e.g. to job sites or training courses), you can claim:
Mileage at HMRC’s approved rates (currently 45p per mile for the first 10,000 miles and 25p thereafter)
Public transport costs
Hotel accommodation for overnight stays related to work
Tools and Equipment
You can claim for:
Hand tools and power tools used in your trade
Repairs and replacements of work equipment
Safety gear such as gloves and helmets
Uniform and Protective Clothing
Branded workwear (e.g. embroidered company uniforms)
Protective clothing like steel-toe boots and high-visibility jackets
Premises Rent and Utility Bills
If you rent a workshop or office, you can claim rent and utility bills
If you work from home, a portion of your household bills may be deductible
Vehicle Expenses
Fuel, servicing, and maintenance
Road tax and insurance
Lease or loan payments for a work vehicle
Parking and toll fees
Training and Development
Courses to improve your trade skills (e.g. new certifications)
Health and safety training
Industry qualifications
Insurance Premiums
Public liability insurance
Employers’ liability insurance (if you employ staff)
Online advertising (Google Ads, social media promotions)
Signwriting for work vehicles
Professional Fees and Memberships
Trade association memberships
Union subscriptions
Accountant fees
Subcontractor Costs
Payments to subcontractors for work completed
Costs associated with hiring temporary labour
What can’t I claim as work expenses?
While many expenses are claimable, there are certain things you can’t include:
Personal expenses – This includes costs such as meals unless you are travelling specifically for work. Everyday personal expenditures that do not directly relate to your business operations cannot be claimed.
Everyday clothing – Even if you wear certain clothing for work, it cannot be claimed as a business expense unless it qualifies as protective gear required for your job. Standard work attire, such as trousers, shirts, or shoes, does not fall under allowable expenses.
Fines or penalties – Any fines or penalties incurred, such as speeding tickets or parking fines, are not considered legitimate business expenses. These costs are personal liabilities and cannot be deducted.
Home office costs unrelated to business – While some home office expenses may be eligible for deductions, general costs like full rent or mortgage payments do not qualify. Only the portion of your household expenses that is directly attributable to business use can be claimed.
Client entertainment costs – Expenses related to entertaining clients, such as dining out, event tickets, or hospitality costs, are not tax-deductible. While they may be beneficial for maintaining client relationships, they are considered discretionary expenses rather than essential business costs.
Why it’s important to claim expenses back
Claiming allowable expenses is a smart way to reduce your taxable profit, which means you should end up paying less tax. By keeping accurate records of your expenses, you can avoid the risk of overpaying, and make sure you’re not missing out on any deductions that could boost your earnings. Staying on top of your expenses also helps you stay on the right side of HMRC regulations, so you won’t run into any issues down the line. Plus, having a clear picture of your business finances makes it easier to see where you’re at, helping you make better decisions for the future. It’s all about working smarter, not harder!
Tips for managing your expenses
Managing your expenses properly makes claiming them a lot easier and ensures you stay on top of your finances. Here are a few tips to help keep everything running smoothly:
Keep receipts and invoices – Store receipts and invoices digitally for easy access and reference, especially at tax time.
Consider using an accountant – A professional accountant can help you manage expenses, ensure compliance, and maximise your allowable claims. Find out more here about using an accountant.
Use accounting software – Tools like QuickBooks or Xero help track and organise expenses automatically, saving you time.
Separate personal and business expenses – Use a dedicated business account to keep personal and business transactions separate.
Log mileage accurately – Use a mileage tracking app to ensure accurate claims for business-related driving.
Stay up to date with HMRC rules – Keep an eye on changing tax laws to avoid missing deductions or facing penalties.
Hopefully these tips have given you ideas to make the process of claiming expenses more straightforward, leaving you with more time to focus on your business.
Common questions
What expenses can I claim as a self-employed bricklayer?
Work tools, safety gear, work vehicle costs, training and certification fees, subcontractor payments and more
What expenses can a joiner claim?
Joiners can claim similar expenses, including:
Carpentry tools, wood and materials for jobs, protective workwear, workshop rent and utility bills, insurance for tools and liability and more
What happens if I mix personal and business expenses?
Mixing personal and business expenses can cause problems when claiming deductions and can lead to issues with HMRC. It’s best to keep your personal and business expenses separate by using a dedicated business bank account and credit card.
Do I need to keep receipts for everything?
Yes, keeping receipts for all your business expenses is important for record-keeping and for proving your claims if HMRC ever asks for them. Digital copies can be useful and easy to store.
Can I claim for training and certifications specific to my trade?
Yes, if you take courses, attend workshops, or acquire certifications related to your trade, these costs can be deducted as business expenses. These types of professional development expenses are often considered necessary to stay compliant and improve your skills.
Finally…
Understanding what expenses you can claim is essential to managing your finances efficiently as a tradesperson. Keeping detailed records and making legitimate expense claims can significantly reduce your tax bill, allowing you to reinvest in your business. If you’re unsure about what you can claim, consider consulting an accountant to ensure you’re making the most of your deductions while staying compliant with HMRC rules.
Get Tradesman Insurance from Protectivity
Managing your expenses is crucial, and we’ve provided an overview of what you can and can’t claim. By taking control of your expenses, this can help to save you money but what about the things you can’t control? That’s why having the right insurance is essential, to safeguard you from financial setbacks when the unexpected happens.
At Protectivity, we offer affordable tradesman insurance designed to cover common industry risks. Our policies include Public Liability up to £5 million as standard, with optional add-ons such as Contractor Works cover, Plant and Tools cover, Financial Loss, and Employee Tools (available when selecting other benefits). This ensures you’re protected from unforeseen costs when challenges arise.
Whether you’re a carpenter, electrician, painter, builder, handyman, or another tradesperson, take just two minutes today to explore our trades insurance options.
*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date.
If you’re a tradesperson in the UK, you’ve probably heard of the Competent Person Scheme (CPS). But what exactly is it, and why should you consider joining one? For most trades, if you’re an electrician, plumber, gas engineer, or window installer, being part of a recognised scheme can save you time, money, and hassle when it comes to meeting Building Regulations.
We’ve provided a breakdown of everything you need to know about Competent Person Schemes: what they are, the different schemes available, the pros and cons of joining, and how to register. Start thinking about what works for you.
What is the Competent Person Scheme (CPS)?
The Competent Person Scheme (CPS) is a government-approved initiative that allows qualified tradespeople to self-certify that their work complies with Building Regulations. This means you don’t need to go through local authority Building Control, which can be costly and time-consuming. However, it does mean you take on the responsibility for complying with regulations and bear the penalties if you fail to do this correctly.
CPS applies to various types of work, such as electrical installations, plumbing, heating, and glazing. It’s designed to ensure that work meets the required safety and quality standards while reducing unnecessary bureaucracy for skilled professionals.Competent Person Schemes are available in England and Wales. In Scotland and Northern Ireland, different certification schemes apply, so make sure you check local requirements if you work across borders.
List of Competent Person Schemes in the UK
There are several government-approved schemes in the UK, each catering to different trades. Below is a list of some of the most recognised ones:
Each scheme has its own set of criteria and application process, so it’s essential to pick one that best suits your trade and business needs.
Why join a Competent Person Scheme? (Pros & Cons)
Pros of joining a CPS
Legal Compliance
A CPS helps ensure that work complies with Building Regulations without the need for local authority approval, saving time and effort.
Particularly crucial for trades such as electrical work (Part P), plumbing, heating installations (Gas Safe), and window/door installations (FENSA).
Reduces the risk of non-compliance fines or enforcement action, which could result in costly remedial work or legal trouble.
Customer Trust & Credibility
Many homeowners and businesses prefer hiring registered tradespeople because it provides assurance that the work meets industry standards.
Having a CPS registration can set you apart from non-registered competitors, leading to increased client confidence and potential referrals.
Some industries, like gas and electrical work, require compliance schemes by law, making it a critical factor in customer decision-making.
Saves Time & Money
Local authority inspections can be costly and time-consuming. A CPS allows tradespeople to self-certify their work, reducing delays.
Avoids additional paperwork and administration associated with local Building Control applications.
Particularly beneficial for trades that perform frequent installations, such as boiler engineers, electricians, and double-glazing installers.
More Work Opportunities
Some contracts, particularly for commercial and new-build projects, require CPS registration as a prerequisite.
Larger construction companies and property developers often prefer working with CPS-registered contractors to simplify compliance.
Public sector projects or insurance-related work may require CPS accreditation for eligibility.
Insurance & Protection
Many CPS memberships include benefits such as insurance-backed warranties or guarantees for customers.
This can be a major selling point for potential clients, offering peace of mind regarding workmanship and durability.
Some schemes provide dispute resolution services, which can be useful for resolving client disagreements efficiently.
Cons of joining a CPS
Membership Fees
Most schemes require an annual membership fee, which can be a significant cost for small businesses or sole traders.
Additional expenses may include assessment fees, ongoing training costs, and renewal charges.
Trades with lower work volumes, such as self-employed carpenters or decorators, may not find the cost justified.
Compliance Checks & Audits
Registered tradespeople must undergo periodic inspections and audits to ensure work meets the required standards.
Non-compliance or poor-quality work could result in warnings, suspension, or removal from the scheme.
This is particularly relevant for trades where safety is critical, such as gas engineers and electricians, who must meet stringent regulations.
Not Always Mandatory
Some trades do not require CPS registration, making it an optional rather than essential expense.
In cases where work does not fall under regulated Building Regulations, businesses might opt to work without a CPS and rely on local Building Control instead.
For decorators, tilers, and general handymen, a CPS may not provide significant advantages unless they are working on larger projects.
How to register with a Competent Person Scheme
If you’ve decided that joining a CPS is the right move for your business, here’s a step-by-step checklist on how to register:
Step 1: Check Your Eligibility
Before applying, make sure you have the necessary qualifications, experience, and insurance. Most schemes require proof of competency and previous work.
Step 2: Choose the Right Scheme
Select the scheme that fits your trade. For example, if you’re an electrician, look at NICEIC or NAPIT.
Step 3: Complete the Application
Most schemes have an online application process. You’ll typically need to provide details of your qualifications, business information, and proof of work.
Step 4: Undergo an Assessment
Many schemes require an on-site inspection where an assessor reviews your work to ensure it meets the required standards.
Step 5: Get Approved & Start Certifying
Once approved, you’ll receive your CPS registration number and can start self-certifying work.
Step 6: Maintain Compliance
Some schemes require ongoing training, CPD (Continuing Professional Development), and periodic inspections to ensure you continue meeting standards
Differences between schemes for different trades
Not all CPS schemes operate in the same way. For high-risk industries such as electrical, gas, and structural work, CPS registration is often essential for legal and safety reasons. For lower-risk trades, the decision should be based on the specific business model, work volume, and target clientele.
Understanding these factors can help tradespeople determine whether CPS membership aligns with their professional goals and business needs. Here’s a quick look at how requirements can differ depending on your trade:
Electricians – Must comply with Part P of the Building Regulations, ensuring electrical safety in domestic installations. Certification is required for any new electrical installations or major modifications.
Gas Engineers – Must be Gas Safe Registered, which is a legal requirement to work on gas appliances safely. This includes boiler installations, gas pipework, and other gas-related works.
Window Installers – Must ensure compliance with Part L (energy efficiency regulations), ensuring correct thermal performance for new installations. Schemes such as FENSA and CERTASS provide certification.
Builders – May require registration with multiple CPS schemes depending on the type of work they undertake. Compliance with Part A (structural safety), Part B (fire safety), Part C (moisture protection), and Part L (energy efficiency) may be necessary. Builders involved in loft conversions or extensions may need a CPS for structural alterations.
Renewable Energy Installers – Those installing solar panels, heat pumps, or other renewable systems may need to be registered under MCS (Microgeneration Certification Scheme) to meet industry standards and access government incentives.
It’s worth noting that if you work across multiple trades, you may need to register with more than one scheme.
Other considerations on a Competent Person Scheme
Before registering onto a scheme, you might want to consider the following:
Insurance Requirements
Many schemes require Public Liability Insurance, which protects against claims for injuries or property damage.
In some cases, Professional Indemnity Insurance is necessary, particularly for trades offering design or advisory services.
Some CPS schemes include insurance-backed warranties, providing extra reassurance for customers.
Competency & Training
Some schemes require you to prove ongoing professional development (CPD), ensuring that your skills remain up to date.
Certifications, refresher courses, and industry accreditations may be necessary for renewal of membership.
Trades like electrical work, gas engineering, and renewable energy installations often have mandatory competency assessments.
Government Incentives & Grants
Some CPS registrations, like MCS (Microgeneration Certification Scheme), allow you to offer customers access to grants or funding.
Programs such as the Boiler Upgrade Scheme (BUS) provide financial incentives for homeowners installing renewable heating systems.
Being part of a CPS can improve marketability, as customers often prefer contractors who can help them access funding or meet compliance requirements for grants.
Alternatives to CPS
If you don’t want to register, you can still complete work, but you may need to notify and pay for building control approval, which can be more expensive and time-consuming.
Joining a Competent Person Scheme can be a game-changer for tradespeople. It streamlines compliance with building regulations, saves money on inspections, and boosts customer confidence in your work.
However, it’s essential to choose the right scheme for your trade and business. Weigh up the pros and cons, check the eligibility criteria, and make sure it aligns with your long-term goals.
If you’re ready to take the next step, research your trade’s CPS options, apply, and start enjoying the benefits of self-certification!
Secure specialist tradesperson insurance from Protectivity
At Protectivity, we provide affordable tradesman insurance to cover specific scenarios commonly faced by trades. We have policies available for builders, electricians, carpenters, painters and more, just select your activity when you get a quote.
Our policies include public liability up to £5 million as standard; you then have the option to add Employers’ Liability insurance, Contractor Works cover, Plant and Tools cover, financial loss and employee tools (only if you’ve included the other benefits). That way, when unforeseen circumstances occur, you can ensure you’re protected from unexpected costs.
*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date.
Spring is just around the corner, and millions of us will be planning to give our homes and gardens some TLC as the temperatures increase and the days become longer.
With this in mind, we collaborated with five expert tradespeople across various specialisms (including building, joinery and carpentry, gardening, electrics, and painting and decorating) to discover some lesser-known tricks of the trade, with the hopes of increasing consumer’s knowledge, confidence, and (where relevant) competency around various DIY/home maintenance, home improvement/renovation, and building/construction topics. Read on to find out more…
Adding value to your property and refurbishment considerations
First we spoke to Mike Ryan, director of construction atCapstone Developers, who has over 20 years of experience in the construction industry. When it came to which home refurbishments can add the most value to a property, Mike shared that expanding your property’s square meterage is one of the most effective ways to increase its value, with “loft conversions being the most impactful addition I’ve undertaken”. However, Mike stresses that it’s crucial to focus on perceived value rather than just added value – “to maximize returns, you must ensure that your spending on additional square meterage aligns with local square meterage sales prices. I follow a 50-50 rule, spending no more than 50% of the added value per square meter, to avoid overspending while still achieving a strong return on investment”.
Mike Ryan of Capstone Developers
Speaking with Alex Almond Bennett from Almond Bennett Developments, a Leeds and West Yorkshire based joinery and construction company, he shared that extensions will always add value to property, an extra bedroom or bathroom will add the most
Alex also added that filling your home with really expensive items not knowing the top end market price for your house can be a mistake – for example, “if your house has a top end value of £200k don’t put a freestanding bath in and a 30k kitchen, as you will never see the return on your investment. Unless you plan on living there long term and are happy to lose that money”.
Adding to this, Mike shared that before starting any loft conversion projects, his team invites three local estate agents to evaluate the property to “help establish the square meter selling rate, which in turn determines that the homeowner should be looking to spend up to 50% of the uplift on additional square meterage”.
One of the biggest mistakes Mike sees homeowners make when planning a refurbishment is not having the correct drawings – “too often, I see people requesting construction quotes based on planning application drawings, which are simply not sufficient. Relying on these will inevitably lead to numerous variation orders, adding unexpected costs and delays”. To avoid this, it is absolutely essential to have a detailed construction drawing that “outlines every single aspect of the proposed refurbishment. This ensures clarity, accuracy, and a smoother building process”.
Home trends
Alex shared some new trends related to joinery and carpentry that he has noticed in recent months. In particular, he has seen a spike in clients looking to install media walls, feature wall paneling, and garden rooms – adding some further context, he shared “I spoke to an estate agent recently that said the most searched thing on Rightmove currently is garden room and can add up to 5%”.
Natalie Marsden, a Plymouth-based painter and decorator, otherwise known as The Lady Painter, has also noticed that installing panelling and media walls is a big trend at the moment – “if I’m honest I love it and it does bring a different texture and feature to a room. But the newest trend is something called drenching, where the woodwork is brought in the same colour as the walls”.
When it comes to specific paint colours, Natalie shared that warm pastel beige and sage green are hues that a lot of people are using.
Logo of NGM Painter & Decorator
Mike revealed that prioritising sustainability and eco-friendly construction is also a key trend for 2025, and that Capstone implements green practices across every stage of a project – “from construction techniques to painting and decorating, we actively move away from oil-based paints and maximise the use of reclaimed materials, either integrating them directly or setting them aside for future reuse”.
When it comes to electrics, Vishal Narbheram is an electrician with 15 years’ experience, and founder of Onward Shift – a mental health platform to help construction businesses and individuals thrive – shared that LED lighting strips are becoming increasingly popular. However, there’s an important warning to keep in mind – “while they look great and are energy-efficient, the drivers (which power the LED lights) can be costly to replace especially if you can’t find an exact match for your current setup. To avoid unnecessary hassle and expense, always ensure the drivers are installed in an accessible location. Placing them inside ceilings for example, can lead to major issues if they need replacing, as ceilings may have to be damaged just to reach them. A little planning during installation can save you a lot of trouble down the line”.
Gardening trends
Sean Lade, founder of Easy Garden Irrigation, who has 15+ years in gardening and irrigation, revealed four main trends that he has noticed over the last 6 months. These include boundaryless garden spaces – where he expects to see “outdoor kitchens, modular furniture, and even outdoor showers gaining popularity”. This trend particularly appeals to renters and those with small gardens, allowing them to optimise their outdoor space while maintaining flexibility.
Sean Lade of Easy Garden Irrigation
Climate-resilient gardens was another trend Sean noted, in particular implementing “sustainable gardening will continue to dominate, with a greater focus on water efficiency and resilient plant choice”. Sean revealed that gardeners are turning to “drought-tolerant plants like lavender and hardy geraniums, as well as water-saving solutions like drip irrigation, rainwater harvesting, and app-controlled irrigation systems”. He predicts that flood-resistant designs, rainwater retention systems, and dense planting methods will also rise in popularity “to help manage the increasingly unpredictable British weather”.
Vertical gardens and green walls are other trends expected to grow even further in 2025, so Alex expects creative containers that allow greater flexibility, particularly for renters or those with limited space, to become even more popular this year.
Gardeners are embracing ecotherapy, using plants for mindfulness and wellbeing. Biophilic design will continue to be popular this year. The line between indoor and outdoor living is disappearing as homeowners seek to maximise their space, so including houseplant collections that thrive indoors is also expected.
DIY tips and money saving hacks
When it comes to tasks you can DIY, Mike suggested that (if you are fit and able) you could “do some of the demolition work yourself or any other trade you are comfortable doing”. Alex shared that “most people can do anything if they are shown. Most skills are learnt over time and through practice – watch YouTube videos. be patient, and take your time. If it’s not right, take it down and try again. The more you do it, the better you’ll get”.
Logo of Almond Bennett Developments
On painting, Natalie shared that “people often think painting is easy, but it’s not if you want the best finish possible. Put the time and effort in at the beginning with the preparation and it will be beneficial come the end”. When it comes to getting the perfect finish when painting, Natalie stresses that it’s all about the preparation – “use the correct paints for the correct surfaces, make sure imperfections are filled, make sure that gaps in woodwork are filled, and sand back all surfaces in between coats”. She also shared that we should be using the right rollers for the different surfaces too.. “I tend to use a woven mohair or a fused fibre roller for woodwork rather than a medium pile/ microfibre roller that I use on walls and ceilings. Trusting the process is key”.
On wallpapering, she added that “I think people underestimate how detailed wallpapering can be and wallpaper nowadays isn’t cheap so they want the job done to the best it can be”.
When buying paint, Natalie urges DIYers to be mindful of the ‘buy cheap, buy twice’ saying… “People tend to buy the cheaper paints and it takes so many more coats because it isn’t good quality that they end up buying another lot. Stick to a good brand or a brand that is highly recommended and you can’t go wrong”.
Vish gave some ways to cut down on your electricity bills without much effort. These included switching to LED energy efficient bulbs “as they use less power and last longer, saving you money in the long run”, turning off lights and appliances when not in use (“even standby mode consumes energy, so switch them off completely”), and lowering your heating slightly – “a small reduction can make a noticeable difference without sacrificing comfort”.
Electrician Vishal Narbheram
Sean also shared some potential money-saving gardening hacks that you can use this spring… “Applying mulch around your plants reduces water evaporation, meaning you won’t need to water as often. It also helps to suppress weeds, cutting down on maintenance. Installing a drip irrigation system (that delivers water directly to plants’ roots) reduces waste by up to 50% compared to traditional watering methods like the garden hose.
“Using a water butt to collect rainwater helps reduce reliance on mains water and helps to keep costs down. Repurposing household waste (such as eggshells, coffee grounds and banana peels) makes excellent natural fertilisers, providing nutrients without the need for chemical alternatives”.
Propagating plants was another tip – “instead of buying new plants, take cuttings from existing ones to grow your own for free”.
Gardening considerations
Common gardening mistakes include watering too early in the season, not preparing the soil, mowing the lawn too short, and forgetting about pests. Sean shared that “many gardeners start watering heavily as soon as spring arrives, but plants need a balance. Overwatering in cool temperatures can lead to root rot.
“Skipping soil improvement (e.g., adding compost or organic matter) results in poor plant health and lacklustre growth. Cutting the grass too low in early spring weakens the roots, leading to patchy lawns and encouraging weed growth.
“Warmer weather brings pests like aphids and slugs. Preventative measures, such as companion planting or natural deterrents, can help protect plants before problems arise”.
Sean also noted that lawn care and weed prevention is key to a thriving garden… “your lawn starts actively growing in March and April, so give it a good start by raking out moss and thatch, aerating compacted areas, and applying a spring lawn feed. Keep mowing heights around 4cm to encourage strong, lush growth.
“Weeds also begin to take off in early spring… removing them now prevents a bigger problem later. Hoe annual weeds on dry days and hand-pull deep-rooted weeds like dandelions to stop them from spreading. Mulching beds and borders will also help suppress new weed growth”.
When to consult a professional
We also asked the experts about which tasks homeowners should always consult a professional, rather than attempting to DIY.
Mike shared that homeowners should always consult a qualified builder and a professional when a project involves structural work – “it is absolutely essential that DIY enthusiasts avoid undertaking structural modifications themselves. Proper advice, planning consents, and compliance with building regulations are crucial to ensuring safety, durability, and legal approval for any transformation”.
Alex added that you should not attempt to do anything to do with gas or electricity unless you are qualified for safety reasons. Corroborating this, Vish noted that electricity is invisible and often silent, making it unpredictable and dangerous if not handled correctly, saying that “unless you’re a skilled and competent professional, it’s always best to call a qualified electrician for any electrical work. A trained expert will ensure the job is done to current safety regulations, maintain a high standard of workmanship and most importantly, protect you from the risk of a potential fatal electric shock”.
Vish added that ovens and hobs are a major contributor to electrical fires due to loose connections, inadequate cable sizing, and poor installation – “these appliances require a significant amount of electricity to operate, making it crucial to use the correct cable size, which should be determined through proper calculations. For example, a 2.5mm cable is not sufficient to power a 6kW oven or hob, as it would draw excessive power, causing the cable to overheat and potentially ignite, creating a serious fire hazard. Ensuring the correct installation and cable capacity is essential for safety and efficiency”.
Natalie said that, anecdotally in her line of work, woodwork is the main task that she sees people consulting a professional for, due to the level of preparation and desired finish.
While many gardening tasks can be “DIY-ed”, Sean shared some jobs require expert advice, such as installing an irrigation system – “professionals can design a tailored system that maximises efficiency and prevents issues like water waste or uneven coverage. Hardscaping projects, such as laying patios, installing drainage solutions, or creating complex planting schemes, also benefit from professional expertise to ensure long-term durability. Tree pruning is another key task which is best left to arborists, as improper pruning can damage trees or pose safety hazards”.
Tradesman Insurance
Our tradesmen insurance offers the essential business cover you need to protect against potential claims, ensuring you operate securely and avoid financial losses. With public liability included, you also have the option to add extras like employers’ liability, Contractors Works cover, Plant & tools cover, tailored to the specific needs and size of your business. So, whether you operate as a sole trader or run a larger business we can offer the cover you need. Whether you’re a builder, painter or plasterer, our policy is flexible to your needs.
*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date.
Assessing Costs, Productivity, and Market Trends in 2024-2025
The UK business landscape in 2025 presents both challenges and opportunities for small businesses navigating economic uncertainty, rising employment costs, and evolving workforce demands. With increased pressure on businesses to remain agile and cost-efficient, many are reassessing their staffing strategies: should they hire full-time employees or outsource work to freelancers and contractors?
This decision has become even more critical as operating costs continue to rise. Employers face additional financial burdens such as National Insurance contributions, pension obligations, and employee benefits, all of which inflate the true cost of hiring. Meanwhile, outsourcing offers flexibility but comes with higher hourly rates and potential concerns over consistency and control.
According to recent UK business trends, outsourcing is growing in popularity, particularly in sectors like accounting, IT support, administrative services, and compliance, as companies look for ways to reduce fixed costs while maintaining operational efficiency. However, some roles remain essential for long-term stability, and businesses must carefully consider whether outsourcing is a short-term solution or a sustainable strategy.
This article explores the financial implications of hiring verses outsourcing, comparing salaries, hidden costs, and productivity factors to determine which approach is the most cost-effective in the current UK market. Through data analysis and real-world business trends, we’ll showcase key areas for small business owners to consider and decide how to structure their workforce for success in an increasingly competitive environment.
Direct cost comparison: Salaries vs. Freelance Rates
Average UK Salaries vs. Freelance Rates by Role 2024-2025
With rising employment costs, businesses must assess whether full-time hires are viable or if outsourcing is the smarter financial choice.
The cost of hiring in the current market
Rising employment costs
Hiring an employee at £55,000, such as a Marketing Manager, can cost businesses over £65,000 per year once National Insurance (15%), pension contributions (3%), and other benefits are accounted for. Even lower-paid roles, like Admin Assistants with a £29,500 salary, see substantial cost increases due to mandatory employer expenses. These additional costs make hiring a long-term financial commitment, adding pressure to businesses already struggling with rising operational expenses.
Economic uncertainty
Many small businesses in the UK face fluctuating demand, making it difficult to justify hiring full-time employees with fixed annual salaries and long-term obligations. In an economic downturn, layoffs become an expensive and often complicated process, further increasing financial instability. As businesses navigate unpredictable revenue streams, the rigidity of full-time employment may introduce risks that are harder to manage in uncertain market conditions.
While hiring in-house provides stability and a consistent workforce, the increasing financial burden and economic unpredictability make it a less viable option for businesses with variable demand. Companies must carefully evaluate whether long-term employment commitments align with their projected growth and financial resilience.
The cost of outsourcing in the current market
Higher day rates but lower long-term obligations
Freelancers and consultants typically charge premium daily rates, but businesses benefit from avoiding long-term obligations such as National Insurance, pensions, and holiday pay. For instance, a Chartered Accountant costs £589/day as a freelancer compared to £250/day for an employed counterpart. Although this means outsourcing is 2.35 times more expensive per day, it eliminates the need to cover annual employment costs, making it a financially flexible solution.
Similarly, Marketing Consultants charge £561/day – 2.45 times higher than an in-house Marketing Manager, yet businesses only pay for their services when needed, avoiding the overhead costs of full-time employment.
Outsourcing for business agility
More businesses are outsourcing to remain agile in response to economic uncertainty. IT Support freelancers, for example, charge £210/day, which is 58% higher than hiring a full-time IT employee. However, for small businesses that do not require daily IT support, outsourcing eliminates the need to pay an annual salary of £32,000.
Administrative outsourcing is only 22% more expensive than in-house hiring, making it a viable option for businesses that require occasional assistance but cannot justify a full-time role.
While outsourcing may have a higher per-hour cost, it provides businesses with greater flexibility, allowing them to scale services up or down as needed. This makes outsourcing an ideal choice for companies with project-based work or fluctuating workloads that do not justify full-time salaries.
Hidden costs of hiring vs. outsourcing
Hidden costs of hiring employees
National Insurance (NI): 15% on earnings above £9,100.
A £35,000 employee actually costs £42,000 – £45,000 per year when including benefits.
For a Marketing Manager earning £55,000, the total cost of hiring to the business may exceed £65,000 per year.
Hidden costs of outsourcing
Higher hourly rates
Freelancers and contractors often charge significantly more per hour than salaried employees. However, this is balanced by the fact that businesses are not responsible for providing benefits, office space, or long-term commitments. In some cases, the higher per-hour cost is justified by the ability to pay only for work completed rather than covering a fixed salary.
Lack of commitment
Unlike full-time employees who are dedicated to a company’s long-term goals, freelancers often juggle multiple clients. This means they may leave for other projects or become unavailable when needed, leading to disruptions and the added cost of recruiting and onboarding replacements.
Quality control
While outsourcing provides access to a global talent pool, the experience and reliability of freelancers can vary widely. Businesses must invest time in vetting candidates, setting clear expectations, and monitoring work quality to ensure consistency. In some cases, revisions or additional training may be required, which can offset initial cost savings.
For example:
A full-time employee (1,800 hours/year) costs £45,000 (including benefits).
A freelancer at £40/hr for 1,000 hours/year costs £40,000.
Maximising workforce productivity
Workforce productivity is a key factor in business success, influencing hiring and outsourcing decisions. Ensuring the right people are in place while avoiding common hiring mistakes can significantly impact efficiency and profitability. It’s widely reported there’s been a national decline in productivity since 2023, making it more important than ever for small businesses to optimise their workforce through strategic hiring, training, and the adoption of digital tools.
A productive workforce isn’t just about working harder but working smarter. Productivity can be measured by revenue generated per hour worked, and businesses that invest in efficient systems, clear processes, and the right support see the best results. The decision between hiring and outsourcing also plays a major role.
Freelancers offer fast, specialised support but may not always be available for long-term projects, while employees provide consistency but require onboarding, training, and retention strategies. Given the current economic uncertainty in the UK, many businesses are leveraging outsourcing to manage fluctuating workloads without the financial risks of full-time hires.
For roles that are essential and require long-term stability, hiring is often the best approach. However, if workloads are inconsistent or expertise is only needed temporarily, outsourcing can provide flexibility and cost savings. By finding the right balance between in-house employees and external support, businesses can boost productivity while staying agile in an evolving market.
UK businesses increasing outsourcing in 2024-2025
Percentage of Small Businesses Outsourcing (2024 & 2025 Projections)
Outsourcing continues to evolve as small businesses navigate economic pressures. While accounting and finance remain one of the most commonly outsourced functions, projections indicate a decline from 28% in 2024 to 21% in 2025, possibly due to businesses bringing these tasks in-house to reduce external costs. In contrast, administrative support outsourcing is set to rise significantly, from 4% to 12%, reflecting a growing trend of businesses seeking flexible, cost-effective assistance without hiring full-time staff.
Customer communications outsourcing is also expected to increase from 7% to 19%, highlighting the demand for external solutions in handling customer interactions efficiently. Data management remains a smaller but steadily growing outsourced function, projected to rise from 4% to 7%. Meanwhile, IT support is expected to see a notable drop from 19% to 9%, suggesting that more businesses may be investing in in-house technical support rather than relying on third-party providers.
These trends highlight how small businesses are strategically adjusting their outsourcing decisions to balance cost, efficiency, and expertise in a shifting economic landscape.
A hybrid model: The best of both worlds?
Many UK businesses are adopting a hybrid approach, hiring for core functions while outsourcing specialised or fluctuating tasks. For example, they may hire a full-time admin assistant but outsource high-level accounting, employ in-house IT support while contracting cybersecurity projects, or maintain a marketing team but bring in external consultants for campaign strategy.
In the current economic climate, small businesses must carefully decide between hiring and outsourcing. Hiring makes sense for roles essential to operations, long-term stability, and strong company culture, especially when demand justifies employment costs. Conversely, outsourcing is the smarter choice for inconsistent workloads, project-based needs, or accessing specialist skills without the commitment of a full-time salary, offering greater financial flexibility in an uncertain market.
The strategic choice in 2025
With rising employment costs and an unpredictable economy, outsourcing is becoming a strategic advantage for many businesses. While hiring ensures consistency, outsourcing provides flexibility and cost control. The best approach depends on the business model, financial outlook, and long-term goals.
Ultimately, businesses that remain adaptable, leveraging outsourcing where it makes sense while investing in core in-house talent, will be in the strongest position for success in the current UK market.
Specialist Small Business Insurance from Protectivity
Protectivity offers affordable small business insurance suitable for sole traders, freelancers and other small business owners, specialising in a wide range of different activities.
Public liability is included with options to add extras such as employers’ liability and other specific industry add-ons. It’s a legal requirement to have employers’ liability insurance if you employ just one staff member, volunteer or apprentice with penalties for failing to comply.
*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date.
Gone are the days when trade businesses relied solely on word-of-mouth or a well-placed ad in the local paper. Today, if you’re not on social media, you’re missing out on a huge opportunity to find customers, showcase your skills, and grow your business. In fact, research suggests tradespeople obtain nearly 50% of their business through social media channels.*
Regardless of digital experience picking up some tips on using social media is very accessible from some basics to more advanced tactics. You’ll want to know which channels are going to be best and what tools you can utilise to maximise your time.
Let’s be honest—nobody starts a roofing or carpentry business because they dream of posting on Instagram all day! So, how can you use social media effectively without it becoming a full-time job? Let’s break it down.
Best social media platforms for tradespeople
Not all social media platforms are created equal, and for tradespeople, some are far more useful than others. Here’s where you should focus your efforts:
Facebook: Great for engaging with local communities, joining trade groups, and running ads.
Instagram: Perfect for showcasing your work with before-and-after shots, reels, and time-lapse videos.
TikTok: Short, engaging videos showing off skills, DIY tips, and impressive transformations.
LinkedIn: Ideal for networking with suppliers, contractors, and larger commercial clients.
YouTube: A fantastic platform for in-depth tutorials, project highlights, and expert advice.
Local Forums: Hyper-local networks where homeowners actively seek recommendations for tradespeople.
Pick one or two that align with your audience and style and focus on them rather than trying to be everywhere at once.
Using social media to generate leads
Social media is more than just a platform for sharing updates—it’s a dynamic tool for transforming online engagement into real-world leads. By fine-tuning your profiles, delivering valuable content, and leveraging precise local targeting, you can turn casual browsers into committed customers.
You can maximise every interaction and drive growth for your business with these examples:
Optimise your profile
Make sure your contact details, services, and location are clear. A professional-looking profile picture (not a blurry selfie from the pub) goes a long way!
Post engaging content
Showcasing your expertise is strong content and reinforces your credibility.
You could share tips and answer FAQs or – for example, a quick video explaining how to tile a bathroom could attract a flood of local homeowners needing a professional.
Run local ads
Using Meta platforms Facebook and Instagram enables you to be super specific in the audience you target. When running ads, this can be refined to the area you work in, typical projects you specialise in, ensuring your ads reach the right people. It’s also a cost-effective way to build awareness for your services.
Offer incentives
Free quotes, limited-time discounts, or giveaways can encourage people to get in touch.
Finding workers through social media
Struggling to find decent workers is a common challenge, but have you ever considered that many people are actively using social media to search for jobs? Today, younger talent often turn to these platforms as a primary resource for finding work—making them the perfect audience for your recruitment efforts. Here are some enhanced strategies to help you get in front of the right candidates:
Paid Advertising
Running targeted ads on Meta platforms like Facebook and Instagram is not only cost-effective but also allows you to pinpoint exactly who sees your job postings. With advanced demographic and location-based targeting, you can ensure your ad reaches local candidates with the precise skills and interests you need. Including compelling visuals, clear job descriptions, and a direct call-to-action can boost your ad’s effectiveness and attract more qualified applicants.
Private Groups
Many trade-specific or local groups exist on social media platforms where professionals gather to share insights and opportunities. By joining these groups on Facebook, LinkedIn, or even niche community forums, you can post your job opportunities directly to an engaged audience. This approach not only increases the visibility of your listings but also builds trust within the community, as group members often rely on peer recommendations and insider knowledge when seeking new opportunities.
Showcasing Skills
Young apprentices and skilled tradespeople frequently showcase their work on platforms such as Instagram, TikTok, or YouTube. Their profiles serve as a digital portfolio, offering you a firsthand look at their craftsmanship, creativity, and attention to detail. When you spot work that impresses you, don’t hesitate to reach out directly—this proactive approach can help you secure talented individuals who are already passionate about their craft.
Check Reviews & Testimonials
Before making a hiring decision, it’s essential to verify a candidate’s reputation online. Social media profiles, professional pages, and community forums can provide valuable reviews and testimonials from previous employers or colleagues. These insights offer a glimpse into a candidate’s work ethic, reliability, and overall performance, helping you make more informed hiring decisions.
A good worker is worth their weight in gold, so by leveraging these digital tools and strategies, you can build a robust team that not only meets your business needs but also propels your company to new heights.
Promoting your work effectively
It’s not bragging if it’s true! Sharing your work online is one of the best ways to attract new clients. With video and photo imagery more accessible than ever, you can showcase your craftsmanship and creativity to a broad audience. By blending striking visuals with authentic stories, you not only highlight your talent but also build trust and credibility. Here’s how to do it right:
The basics…
Before-and-after shots
People love a good transformation! Capture high-quality images from the start of your project to the final reveal. This visual journey not only demonstrates your ability to bring visions to life but also gives potential clients a clear idea of the quality and impact of your work.
Client testimonials
Ask happy customers if you can share their feedback. Featuring short video clips or written quotes alongside photos of the completed project can add authenticity to your portfolio. These testimonials build social proof and can significantly influence prospective clients who are considering your services.
Mid-level…
Behind-the-scenes content
Offer your audience a glimpse into your creative process. Time-lapse videos of jobs in progress, candid photos of your team at work, or snapshots of your tools and materials can be surprisingly satisfying to watch. This type of content not only entertains but also educates viewers about the craftsmanship and attention to detail that go into your work.
Work-in-progress updates
Keep your followers engaged by sharing regular updates on ongoing projects. These progress reports build anticipation for the final outcome and demonstrate your commitment to quality and transparency, reinforcing the trust your audience has in your brand.
The influencers…
Documentary-style videos
Elevate your storytelling with in-depth videos that document your projects from concept to completion. Integrate expert tips on achieving specific looks or techniques, share insights on overcoming challenges, and explain the creative decisions behind your work. These videos position you as an industry thought leader and can attract a wider, more engaged audience.
Expert interviews and collaborations
Consider featuring interviews with industry experts or collaborating with influencers who align with your brand. These partnerships broaden your reach and add a layer of credibility, as viewers see that respected professionals are connected to your work. This collaborative approach can help you tap into new networks and drive additional interest in your projects.
By integrating these strategies into your promotional efforts, you not only showcase your work in a compelling way but also build a narrative that resonates with potential clients. This dynamic approach to online promotion can set you apart in a crowded market and lead to sustained business growth.
Getting more referrals from social media
Word-of-mouth still works—but often it happens online!
Encourage clients to tag you
When someone posts about their new kitchen, you want them to tag your business in it. Encourage them by offering a chance to be featured on your page or hosting a monthly contest for the best tag, which can increase engagement and exposure.
Run referral incentives
Offer discounts or rewards for customers who refer you to their friends. Consider running time-limited referral programs to create a sense of urgency, prompting customers to actively share your services within their networks.
Leverage recommendations
Ask happy clients to leave reviews on your business page. Follow up with a simple thank-you message and a direct link to your review platform, making it as easy as possible for them to share their positive experiences.
Running social media ads for your trade business
If you’re willing to invest a little money, social media ads can bring great returns.
Facebook & Instagram (Meta) ads
Target specific locations and interests (e.g., homeowners needing renovations). By narrowing your audience, you maximise the relevance of your ads and ensure that every pound spent reaches people most likely to be interested in your services.
Budgeting
Even a small budget (£5-£10 per day) can yield good results if targeted well. Experiment with different budget levels and ad formats to determine what resonates best with your audience, knowing that small, consistent investments can add up over time.
Retargeting
Show ads to people who have visited your website but haven’t booked yet. Retargeting keeps your brand top-of-mind and gently nudges potential customers to reconsider your services, significantly boosting conversion rates.
Test and tweak
Keep an eye on which ads work best and refine your strategy accordingly.
Handling customer feedback online
Both positive and negative feedback offer valuable insights and opportunities to build your brand’s reputation. Here’s how to effectively manage and respond to each:
Negative Feedback
Respond Promptly: A timely reply demonstrates your dedication to customer satisfaction. Invite the dissatisfied customer to continue the conversation offline if needed, so you can address the issue in detail and work towards a resolution.
Positive Feedback
Express Gratitude: Thank your customers for taking the time to share their positive experiences. A simple, sincere thank-you can strengthen customer relationships and encourage loyalty.
Showcase Reviews: Highlight glowing testimonials on your social media channels and website. Sharing positive feedback not only builds credibility but also inspires potential clients to consider your services.
Encourage More: After delivering a great service, gently remind satisfied customers to leave a review. Consistently gathering positive feedback can help balance out any negative reviews and further enhance your online reputation.
By addressing both negative and positive feedback thoughtfully, you not only improve your service quality but also demonstrate transparency and commitment to your customers.
Social media might not be your trade, but it can certainly help grow your business. With the right strategy, you can attract more customers, find great workers, and build a strong reputation.
Secure specialist Tradesperson Insurance from Protectivity
For any trades business securing the necessary insurance is a must to protect yourself.
At Protectivity, we provide affordable tradesman insurance to cover specialist incidents commonly faced by trades. Our policies include public liability up to £5 million as standard; you then have the option to add Contractor Works cover, Plant and Tools cover, financial loss and employee tools (only if you’ve included the other benefits). That way, when unforeseen circumstances occur, you can ensure you’re protected from unexpected costs. You can also insure your tools from as little as £8.98 a month with our new tools insurance offering.
Take two minutes today to take a closer look at our trades policies.
*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date.
Carpentry and joinery are two of the most important trades in the construction industry. While they both involve working with wood, the roles and responsibilities of carpenters and joiners are distinct. If you’re considering a career in these trades, understanding what each profession entails, as well as how much you can expect to earn and how to boost your income, is key to making informed career decisions.
In this blog, we’ll explore the typical salaries of carpenters and joiners in the UK based on experience, location, qualifications and much more. We’ll also touch on which types of carpenters get paid the most, and provide tips on how to earn more in these professions.
Carpenter vs Joiner
Carpenter
Carpenters primarily work on construction sites, focusing on building and installing structural elements such as frameworks, roofs, floors, staircases, doors, and windows. They handle both rough carpentry, like constructing frames for buildings, and finished carpentry, which involves installing elements such as doors and windows. Carpenters also modify components to fit specific measurements during the construction process. Their work is essential to the physical construction of a building, often collaborating with other tradespeople to ensure the structure is sound and functional.
In contrast, joiners typically work in a workshop environment, specialising in crafting detailed wooden items like doors, window frames, cabinetry, and furniture. Their work focuses on precision and fine woodworking techniques, using hand tools and machinery to create intricate, custom pieces. These components are then transported to construction sites for installation. While joiners don’t typically engage in on-site construction, their craftsmanship plays a key role in enhancing the functionality and aesthetic quality of a building’s interior.
You can find out more here about what the key differences between a carpenter and joiner are.
Which carpenters get paid the most?
While both carpenters and joiners can earn good money, there are certain specialisations within the carpentry profession that command higher wages.
Formwork carpenters:
Formwork carpenters specialise in creating moulds for concrete in large-scale projects like bridges and high-rise buildings. Due to the technical skills required, they are in high demand and often earn higher rates than standard carpenters. In the UK, formwork carpenters typically earn between £30,000 and £45,000 annually, with entry-level salaries around £25,000 to £30,000. Those with more experience can earn £30,000 to £40,000, while experienced carpenters can make £40,000 to £50,000 or more, particularly in high-demand areas.
Shopfitters:
Shopfitter carpenters specialise in designing and installing interiors for commercial spaces like shops, restaurants, and offices, often earning premium rates due to the bespoke nature of their work. In the UK, shopfitter carpenters typically earn between £28,000 and £40,000 annually, depending on experience and location. Entry-level shopfitters earn around £24,000 to £28,000, while those with a few years of experience can earn £30,000 to £35,000. Experienced shopfitters can make £35,000 to £40,000 or more, especially on larger projects or in cities with high demand.
Self-employed carpenters:
As a self-employed carpenter, you have the potential to earn more by setting your own rates and taking on multiple projects. Daily rates for self-employed carpenters in the UK typically range from £150 to £400, depending on the type of work and experience level. This can translate to an annual income of £30,000 to £50,000, although it varies based on the amount of work, full-time or part-time status, and location. It’s important to note that self-employed carpenters must cover costs like tools, insurance, and taxes.
Typical salary for a Carpenter and a Joiner in the UK
The salaries for both carpenters and joiners vary based on factors like experience, location, and whether you’re self-employed or working for a company. Below is a breakdown of typical salary ranges:
Carpenter’s Salary
Carpenter Salary Average: Entry-level carpenters can expect to earn around £17,000 – £22,000 per year, with experienced professionals earning between £28,000 – £55,000 annually. Let’s break it down further.
Entry Level – A carpenter with 0-2 years of experience can expect to earn between £20,000 and £25,000 annually.
Mid-Level – Carpenters with 2-5 years of experience typically earn between £25,000 and £35,000 per year.
Experienced – Those with over 5 years of experience can expect to earn between £35,000 and £45,000 annually.
Specialist – Highly experienced or specialist carpenters can earn between £45,000 and £55,000 a year.
Hourly Rate – For ad-hoc work, carpenters generally earn around £17 per hour.
Joiner’s Salary
Average income for a joiner: Like carpenters, joiners working for a company can expect an annual salary ranging from £17,000 – £55,000, with self-employed joiners earning higher amounts due to the ability to set their own rates.
Entry Level – A joiner with 0-2 years of experience can expect to earn between £17,000 and £25,000 annually.
Mid-Level – Joiners with 2-5 years of experience typically earn between £25,000 and £35,000 per year.
Experienced – Those with over 5 years of experience can expect to earn between £35,000 and £45,000 annually.
Specialist – Highly experienced or specialist joiners can earn between £45,000 and £55,000 a year.
Hourly Rate – For ad-hoc work, joiners generally earn around £18 per hour.
While the roles have similarities in terms of woodworking expertise, carpenters often earn slightly higher salaries due to the physical, on-site nature of their work, which may require more specialised skills and the ability to manage large projects.
Ways to earn more as a Carpenter or Joiner
Whether you’re just starting out or looking to maximise your income, there are several ways to boost your earnings as a carpenter or joiner.
Do you need GCSEs or qualifications to be a Carpenter?
While GCSEs in English, Maths, and Design Technology are not a strict requirement to become a carpenter or joiner, they can be beneficial. These subjects provide a foundational understanding of measurements, math, and design principles, which are key to the trade. If you don’t have these qualifications, don’t worry, apprenticeships and vocational courses are excellent ways to gain the necessary skills.
Apprenticeships
Engaging in an apprenticeship is one of the best ways to get hands-on experience while also earning a salary. Apprenticeships typically take 2 to 4 years and combine on-the-job training with formal education. Completing an apprenticeship can lead to industry-recognised qualifications that increase your value in the job market.
Continuous training and specialisation
Taking specialised carpentry courses can increase your skill set and enable you to work in more niche areas, such as roofing, cabinet making, or sustainable construction. Specialising in a high-demand field allows you to charge higher rates for your expertise.
Gain experience
Experience is one of the most valuable assets in the carpentry and joinery trade. As you gain more experience, you’ll build a portfolio of completed projects that can help you secure better-paying opportunities. Whether you work on-site or in a workshop, the more you learn and the more you can demonstrate your capabilities, the higher your potential earnings.
Geographic mobility
If you are willing to work in areas with high demand for carpenters, such as large cities or regions with booming construction industries, you may see an increase in your earnings. Locations like London and the South East tend to offer higher wages due to the increased cost of living and demand for skilled labour.
Who make more money – carpenters or joiners?
In general, carpenters tend to earn slightly more than joiners. Carpenters often work on construction sites, handling both structural and finished carpentry, such as building frameworks, installing roofs, and fitting doors and windows. This versatility and involvement in larger-scale projects can lead to higher wages. On the other hand, joiners typically work in workshops, crafting detailed wooden components like furniture and cabinetry, and their earning potential is generally a bit lower. While both professions are skilled, carpenters may have more opportunities for overtime and varied projects, leading to higher overall earnings.
Maximising your career as a Carpenter or Joiner
Carpentry and joinery offer diverse and rewarding career opportunities, with a wide range of earning potentials depending on your specialisation, experience, and location. Whether you’re just starting out or are an experienced professional, there are numerous ways to increase your earnings and build a successful career. By focusing on gaining experience, continuing education, and potentially specialising in areas like formwork carpentry or shopfitting, you can maximise your income in these essential trades.
If you’re thinking of entering the carpentry or joinery profession, the journey can be both financially rewarding and personally fulfilling, offering long-term career stability and the satisfaction of working with your hands to create something meaningful.
Get Carpenters Insurance from Protectivity
No matter your trade, protecting your business is crucial. That’s why getting carpenters’ or joiners’ insurance is a smart move to cover property damage, accidents, or injuries during woodwork projects.
Our tradesman insurance includes both carpenters and joiners under the same policy, offering financial security and building trust with clients by showing professionalism and responsibility.
Protectivity’s carpenters’ insurance comes with public liability up to £5 million as standard. You can also add Contractor Works cover, Plant and Tools cover, financial loss, and employee tools (if you’ve added other benefits). Plus, we now offer comprehensive tools insurance for tradesmen to keep you covered for unexpected costs.
Get a quote online today and protect your business.
*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date.
There is no doubt that the UK is a nation of dog lovers, with some breeds standing out as favourites, but what’s the most popular dog breed in the UK? According to YouGov’s popularity rankings, the most popular breeds of dog in the UK have earned their place due to a mix of temperament, versatility, and appeal. Whether it’s the loyal Labrador, the intelligent Border Collie, or the energetic Jack Russell, these breeds resonate with owners for their companionship, working ability, or family-friendly nature. Understanding why these breeds top the list can help pet owners choose the perfect companion and offer valuable insights for pet-related businesses looking to cater to the nation’s most-loved dogs.
So, let’s take a look at the most popular dog breeds in the UK:
Labrador
The UK’s favourite dog breed for years, Labradors are intelligent, friendly, and full of energy. They make excellent family pets and are widely used as guide and service dogs due to their trainability.
Cockapoo
This adorable crossbreed between a Cocker Spaniel and a Poodle is loved for its affectionate nature and hypoallergenic coat. Cockapoos are playful, intelligent, and great companions for families and singles alike.
French Bulldog
With their signature ears and charming personalities, French Bulldogs are one of the most popular small breeds in the UK. They require minimal exercise and love human attention, making them ideal for city living.
Cocker Spaniel
Known for their silky ears and wagging tails, Cocker Spaniels are friendly and energetic dogs that love outdoor adventures. They are great family pets and are often used as working dogs due to their excellent sense of smell.
Dachshund
Affectionately called “sausage dogs,” Dachshunds are small but full of personality. They are loyal, brave, and sometimes a little stubborn. Their short legs and long bodies make them stand out in a crowd.
Golden Retriever
Loyal, loving, and always eager to please, Golden Retrievers are perfect family pets. Their intelligence and friendly nature also make them great therapy and assistance dogs.
Jack Russell Terrier
Small but fearless, Jack Russell’s are full of energy and have a big personality. They are highly intelligent and require lots of mental and physical stimulation, making them a great choice for active owners.
English Springer Spaniel
Springer Spaniels are known for their boundless energy and affectionate nature. Originally bred as gun dogs, they love outdoor activities and are a great choice for adventurous owners.
Chihuahua
The smallest breed on the list, Chihuahuas have a huge personality despite their tiny size. They are fiercely loyal to their owners and can be surprisingly confident and sassy!
German Shepherd
A highly intelligent and versatile breed, German Shepherds are often used as police, military, and service dogs. They are loyal, protective, and great family pets when properly trained and socialised.
Each of these breeds has its own unique charm, making them favourites across the UK. Whether you’re looking for a playful companion or a loyal protector, there’s a breed to suit every lifestyle and budget! Why not also check out our blog on cheap and expensive dog breeds in the UK before making a final call!
Get Pet Business Insurance from Protectivity
Whether you’re a dog walker, a dog trainer, dog groomer or any other pet business professional, our Pet Business Insurance provides you with the cover you may need in the event of an unfortunate accident or incident.
Our cover offers you essential protection including Public Liability, Loss of Keys, Equipment cover and much more. Not to mention our policy can cover you for up to 14 different pet care activities all under one policy.
To find out more, head to our website and get a quote today.
*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date.
