Author: Bee Ingram

Get Personal Trainer Insurance from Protectivity

Whatever training approaches you implement as a PT having suitable personal trainer insurance in place is necessary to cover your clients’ safety and your own. That’s because you never know what might happen, whether it’s an accident or injury to a client, an injury that prevents you from working, or loss, theft or damage to your equipment. If you own a gym, we also offer gym insurance to cover your property.

Protectivity has years of experience insuring personal trainers just like you. Our cover includes personal injury, equipment cover, public liability, and employer’s insurance if you run a business that employs other people. With our affordable, flexible policies, you can take your business to the next level with confidence that you aren’t at risk of long-term financial stress.

Take a closer look at our affordable, flexible personal trainer insurance policies, compare prices when you get a quote online.

*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 Information is factually accurate at the time of publishing but may have become out of date.

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12:06:21 BST • 14 May 2025

How to get more reviews for your small business

8 May 2025

•

9 mins read

Contributors

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns wi...

In today’s digital-first world, customer reviews aren’t just nice to have—they’re essential. For UK small businesses that rely on online bookings and local word-of-mouth, reviews are often the first (and most powerful) impression you make.

Recent research from Bright Local suggests that over 90% of consumers read online reviews before making a purchasing decision, and 84% trust them as much as personal recommendations. That means your reviews directly impact whether someone chooses your business or scrolls past to a competitor.

But reviews do more than just influence buying decisions. They shape your reputation, boost your visibility in search engines, and offer valuable insights into your customer experience. When collected and used strategically, reviews become one of the most cost-effective marketing tools available, helping you attract new customers, refine your service, and ultimately, grow your sales.

If you’re wondering how to get more reviews, where to collect them, and how to handle them (even the awkward or negative ones), this guide is packed with practical tips and real-world examples to help you get started.

Why reviews matter for small businesses

Online reviews are the new word-of-mouth—and unlike traditional recommendations, these are public, permanent, and powerful. In fact, most people will read multiple reviews before they ever consider booking or buying.

Whether you’re a beauty therapist in Brighton or a dog walker in Derby, the strength of your online reviews can be the key driver of your business growth. This is why they matter so much:

Build trust instantly

In a world where customers are flooded with choices, trust is everything. When someone discovers your business online – whether through Google, Facebook, or a booking platform – the first thing they’ll look for is reassurance that you’re credible and deliver a good experience.

Positive reviews act like personal recommendations from real people. They give potential customers the confidence that you’re trustworthy, experienced, and worth their time and money. Without that trust signal, they may simply move on to a competitor who has it.

Improve local SEO

If you want your business to appear in Google’s local search results or on Google Maps, reviews play a major role. Google uses reviews as one of the key signals when ranking businesses. The more high-quality, recent reviews you have, the more likely it is that Google will show your business to potential customers searching for services like yours nearby.

This means that reviews don’t just build credibility – they also drive visibility. It’s like getting free advertising, just for being good at what you do and encouraging feedback.

Boost conversions

It’s one thing to get people to find your business but turning them into paying customers is another challenge altogether. That’s where reviews shine.

When a potential customer is sitting on the fence, a glowing review can tip them over the edge. Seeing someone just like them rave about your friendly service, easy booking system, or high-quality results makes the decision feel safer and more justified.

In marketing terms, reviews reduce “friction” in the buying process. They squash doubts, answer unspoken questions, and provide that final nudge to click “Book Now.”

Amplify word-of-mouth

Traditionally, word-of-mouth meant one friend telling another about a great experience. Now, thanks to online reviews, that word-of-mouth lives online available for anyone to see, 24/7.

When a happy customer leaves a review, it’s like they’re putting in a good word for you to everyone who discovers your business from then on. It doesn’t just impact one potential customer, it impacts hundreds or even thousands.

This is especially powerful for service-based businesses that thrive on personal referrals. Online reviews scale those referrals and help you grow your reputation far beyond your existing network.

The best review platforms

You don’t need to be on every platform—just the ones your audience uses most. Here are the top options:

Google Reviews

Most important for local search.
Shows up directly in search results and Maps.
Great for SEO and credibility.

Trustpilot

Strong brand recognition in the UK.
Ideal for service and product-based businesses.
Integrates well with websites and emails.

Facebook Recommendations

Useful if you’re active on social media.
Customers can leave recommendations on your business page.

Booking Platform Reviews (e.g. Fresha, Treatwell, Booksy)

Integrated into the customer booking experience.
Potential customers rely on these when comparing providers.

Yell & Yelp

Still used, especially in certain sectors.
Yell is more UK-centric and often used alongside paid advertising.

It’s recommended to stick to 1–2 platforms that best align with where your customers spend time. Don’t overwhelm yourself trying to collect reviews everywhere.

How to get more reviews?

Asking for reviews doesn’t have to be pushy or uncomfortable—in fact, when done right, it feels natural and even appreciated. The key is to make it easy for your customers, be mindful of how and when you ask, and build it into your regular workflow. These are a few tips that might help to make the most of every review opportunity.

Get the timing right

Ask for a review while the experience is still fresh – right after a service or appointment.
Use your booking system to send an automated follow-up email or SMS with a direct review link.

Keep it simple

Include a direct link to your Google or Trustpilot review page.
Display a QR code in-store or on receipts.
Keep your request short and sweet.

Ask in directly

Train your staff to ask casually: “If you enjoyed your visit, we’d love it if you left us a quick review.”
It’s amazing how many people will say “sure!” if you just ask.

Offer light incentives (ethically)

Run a monthly prize draw or offer a small discount off their next visit.
Make sure it’s about encouraging honest feedback—not just chasing 5-star ratings.
Avoid “review gating” (e.g. only asking happy customers), as this goes against most platforms’ guidelines.

Prompt (Gently)

Don’t be afraid to follow up – a polite reminder a few days later can double your chances.
Use automated tools from platforms like Fresha, Square, or Treatwell to streamline this.

What to do if you get a bad review

First of all, don’t panic. Even the best businesses get the occasional less-than-stellar review.

Keep it calm

Don’t take it personally.
Respond professionally and publicly.
Thank them for their feedback, apologise if necessary, and explain how you’ll improve.

Spot the difference: Constructive vs. fake

If a review seems fake or malicious, report it to the platform with any evidence you can.
But don’t ignore it, try to drown it out with positive reviews from real customers.

Use criticism to get better

Repeated issues in reviews? Take them seriously.
Your customers are telling you exactly how to improve.

How to make the most of your reviews

Show them off

Placing your reviews in key places and within your marketing can be a strong tool to show potential customers how other people rate you.

Feature glowing reviews on your website and social media.
Create a “what our clients say” section on your homepage.
Share screenshots of positive reviews on Instagram Stories.

Feed the feedback loop

Let your customers know you’re listening. For example – “You asked for more evening slots, so we added them!” is powerful messaging.

Use reviews as a growth strategy

Reviews aren’t just feedback, they’re marketing tools. They build trust, increase visibility, and help you stand out in crowded industries.

Brands that are winning with reviews

You don’t need a huge budget to build a reputation—just consistency and customer care. These are a few examples of some success stories:

Blush Beauty (London) – via Treatwell

This salon collects reviews after every single appointment through Treatwell.
They respond to almost every review, creating a sense of community and showing they care.
Result: Hundreds of glowing reviews and top-ranking search presence in their borough.

Breathe Yoga Studio (Manchester) – via Google

Encourages reviews through automated emails after classes.
Features top reviews on Instagram with shoutouts to loyal clients.
Uses bad reviews as learning moments and responds publicly.

Paws & Relax Grooming (Brighton) – via Facebook

Leverages Facebook reviews for social proof.
Shares customer photos + review quotes as part of their content strategy.
Actively asks for feedback after each groom, making it part of their brand culture.

Making reviews part of your daily routine

Getting more reviews shouldn’t feel like a chore—it should be part of your regular workflow. Build it into your process, train your team, and track your progress over time.

It’s worth celebrating every review, your customers just gave you free marketing.

Get Small Business Insurance from Protectivity

Get small businesses insurance from Protectivity

Even with the best service and intentions, things can occasionally go wrong, whether it’s a scheduling mix-up, a customer misunderstanding, or an unexpected incident. How you respond in those moments can be the difference between a negative review and a loyal customer. While a clear approach to resolving issues is key, being prepared for things beyond your control is just as important – and that’s where the right business insurance becomes essential.

Protectivity provides flexible, affordable small business insurance cover tailored to small businesses, including sole traders, freelancers, and self-employed professionals across a wide range of industries.

Our standard policies include public liability insurance, with options to add extras such as employers’ liability (a legal requirement if you employ even one staff member, apprentice or volunteer), as well as industry-specific add-ons depending on the nature of your work.

Whether you’re looking for pet care business insurance, decorators insurance, catering insurance, crafters insurance, or another small business, explore the full list of small business insurance we provide today!

Last updated by

09:27:38 BST • 9 May 2025

Most in-demand electrical services for Electricians’

7 May 2025

•

11 mins read

Contributors

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns wi...

From home EV chargers to solar panels and smart heating systems, the UK electrical trade is experiencing unprecedented demand. With over 1.3 million consumer searches for electricians on Checkatrade in 2024 alone, it’s clear that customers are actively looking for trusted professionals. This surge is being driven by new laws, green tech trends, and shifting homeowner and business priorities.

For electricians—whether you’re a sole trader or running a small firm—there’s never been a better time to refine your offerings. This guide breaks down the most in-demand services for 2024–2025 across domestic, commercial, and new build markets. Use it to identify new opportunities, get qualified where needed, and ensure you’re offering services customers are actively seeking.

Top services in demand: Overview

Rank	Service	Key Drivers
1	EV Charger Installation	EV boom, building regs
2	Solar PV + Battery	Energy prices, green incentives
3	EICRs + Consumer Unit Upgrades	Legal compliance, aging stock
4	Smart Home Tech	Convenience, energy saving
5	LED Lighting Retrofits	Ban on fluorescents, cost-cutting

Residential sector

Here’s a breakdown of the key areas where residential demand is strongest right now – and where your skills are most valuable.

1. EV Charger Installation (Home)

With electric vehicles now accounting for nearly 18% of all new UK car sales, more homeowners are seeking dedicated home charging solutions—typically 7kW wall-mounted units.

Since 2022, building regulations in England require all new homes to include an EV charging point or at least be pre-wired for one. This has made charger installs standard on new build sites and in high-growth housing areas.

Electricians are seeing particularly high demand in London, the Southeast, and affluent suburban regions where EV ownership is more concentrated.

On top of the basic install, many jobs require upgrading the consumer unit or adding surge protection to ensure compliance and safety.

2. Solar Panel & Battery Storage

The drive for energy independence has made solar a top priority for homeowners. By late 2024, over 1.4 million UK homes had solar panels installed. Increasingly, customers are adding battery storage to these systems to store daytime energy for evening use, boosting self-sufficiency.

Demand is especially strong in the Southeast and Southwest, where solar exposure is higher and roof space more readily available.

Electricians looking to work in this space should consider gaining relevant qualifications such as MCS certification, as proper training is crucial for both compliance and customer trust.

3. EICRs, Rewiring & Consumer Units

Safety and compliance continue to be a core pillar of residential work. Since 2020, landlords are legally required to obtain an Electrical Installation Condition Report (EICR) every five years. This means the first major wave of renewals hits in 2025–26, creating a sharp spike in demand for inspection services.

In addition, many older properties, especially those built before 1946, still rely on outdated wiring, making partial or full rewires a common requirement. Fuse board (consumer unit) replacements are also frequently needed when homeowners install upgrades like EV chargers or modern kitchens.

Industry analysts estimate that to keep up with the inspection cycle, more than 12,000 EICRs need to be completed daily across the UK during peak periods.

4. Smart Homes & Automation

Smart home technology is quickly becoming the norm, not the exception. Devices such as smart thermostats, lighting, security cameras, and video doorbells are now widely expected in mid-range homes.

Homeowners are seeking energy efficiency, security, and the convenience of remote control. For electricians, this opens up a steady flow of installation work, especially for those with a working knowledge of IT basics like Wi-Fi setup, Zigbee or Z-Wave protocols, and mobile app integration.

Electricians who can offer both electrical expertise and smart tech know-how are increasingly in demand.

5. LED Lighting & Energy Efficiency

With the ban on most fluorescent lighting and the rising cost of energy, clients are prioritising LED upgrades for their efficiency and long-term savings. LEDs use up to 75% less energy than traditional bulbs, making them a go-to for cost-conscious and eco-minded homeowners alike. Many are combining LED installs with automation, such as motion-activated lights, timers, or app-based controls, to maximise efficiency.

For electricians, this offers frequent opportunities to recommend and install efficient lighting systems that deliver quick returns on energy bills.

Commercial sector – for bigger contracts

For electricians looking to take on larger-scale projects or specialise in commercial systems, this sector is rich with opportunities, from fleet EV infrastructure to full lighting control upgrades. Whether you’re subcontracting for public projects or managing facilities for businesses, there’s steady demand for skilled professionals across the board.

1. Workplace EV Charging

Electric vehicle adoption isn’t just reshaping domestic installations, it’s transforming commercial sites too. Government schemes like the Workplace Charging Scheme are incentivising companies to install EV charge points on business premises, making it easier and more cost-effective to start a rollout. However, commercial charger installs come with additional complexity.

Many businesses now require smart systems that can balance loads across multiple chargers, particularly when managing fleets. This often involves configuring energy management systems and ensuring demand doesn’t exceed the site’s supply capacity.

Electricians carrying out this work must be confident with three-phase systems, larger cable runs, distribution board upgrades, and sometimes integrating chargers with solar or storage.

2. Commercial Solar

The push for green credentials and long-term energy savings has triggered a commercial solar boom. Warehouses, schools, NHS sites, supermarkets, and factories are all leveraging unused roof space to generate electricity.

Solar installations in the commercial space grew by 25% in 2024 alone, reflecting widespread investment across sectors. Many of these projects include battery systems to store power for peak-time usage and often involve integrating backup generators to provide resilience.

Demand is especially high in the Midlands and rural parts of the Southwest, where larger roof spans and government funding have made installation more viable. This work tends to favour electricians with experience in higher-capacity systems and energy regulation compliance.

3. Lighting Retrofits & Building Controls

The 2023 ban on most fluorescent lighting under the RoHS directive has pushed a wave of lighting upgrades across the UK. Offices, shops, public buildings, and schools are now replacing legacy lighting with modern, energy-efficient LED solutions.

These retrofits are typically done at scale, entire floors, campuses, or buildings at a time and often bundled with smart lighting controls. This includes motion sensors, dimming modules, daylight-responsive systems, and timers to improve energy efficiency and meet building performance targets.

Electricians are central to planning and installing these systems, and familiarity with building management systems (BMS) and control wiring is increasingly valuable in this space.

4. Ongoing Testing, PAT & Maintenance

Compliance is non-negotiable for commercial clients, which creates consistent demand for electricians who offer testing and long-term maintenance services. Under BS 7671, periodic inspections are required every five years in commercial environments, but many businesses schedule them more frequently for insurance and operational safety.

Portable appliance testing (PAT) is often outsourced, providing additional work for electricians across offices, hotels, schools, and retail spaces. Many organisations also enter into ongoing maintenance contracts that include regular system checks, fault finding, and minor repairs.

Services like surge protection, AFDD installation, and emergency lighting maintenance are also in demand, especially as businesses aim to reduce risk and enhance safety across their premises.

New build opportunities

From large-scale housing developments to smarter, greener commercial premises, electricians have a key role in shaping the electrical systems of tomorrow. New build projects offer structured, high-volume work, often with cutting-edge technologies built into the spec. For electricians looking for consistent, forward-looking contracts, this is a safe bet for the future.

1. Full House/Flat Wiring

New build housing continues to be a stronghold for electrical contractors, with over 220,000 homes completed in the last year alone. First-fix and second-fix wiring work remains the core of residential new build projects, often handled at scale across entire estates.

What’s changed is what clients now expect: every new home must include provisions for EV charge points, and many also come equipped with solar panels, electric heating systems, and smart-ready wiring.

Electricians working on these sites need to be confident in both standard installations and the additional requirements of modern energy systems and compliance frameworks.

2. Smart-Ready Homes

Homebuyers are increasingly expecting smart features from the moment they walk in the door. Builders are responding by integrating structured cabling for data and telecoms, smart door entry systems, and connected heating controls right from the construction phase.

Electricians who can wire both power and data, or who understand how to install and test smart devices like thermostats and doorbell cameras, are in particularly high demand. A basic knowledge of networking and low-voltage wiring systems will give electricians an edge in this fast-developing area.

3. Electric Heating

With the UK’s transition away from gas boilers in full swing, new homes built from 2025 are expected to be gas-free by default. This shift creates a growing need for electrical heating infrastructure, including high-current feeds for immersion tanks, electric panel heaters, and air-source or ground-source heat pumps.

These systems often require load calculations, new circuit design, and careful distribution board planning, giving electricians more technical work on each install. As gas disappears from the blueprint, electric heating will be one of the defining features of new homes, making it a must-know area for installers.

4. Regulations & Safety

Electrical safety and efficiency standards are tightening with each update to the wiring regulations, and all new builds must comply with the 18th Edition (Amendment 2). This includes mandatory use of surge protection devices (SPDs), arc fault detection devices (AFDDs) in some circuits, and RCDs across the board. Installers must not only ensure compliance but also design systems that meet environmental and energy-use targets.

For electricians, staying updated on changes to BS 7671 and understanding how to implement them on-site is essential, particularly in new build environments where inspections and certifications are closely monitored.

Regional hotspots to watch

Region	Key Trends
London	Highest charger density, smart office refits
Southeast	Top for home solar and EV charger demand
Southwest	Highest % of solar homes, rural energy upgrades
Midlands	Industrial solar boom, new housing developments
Scotland	Leading public EV infrastructure, wind/solar installs
Wales/NI	Steady demand; public-funded retrofit projects

How to stay ahead

The next two years are pivotal for the electrical trade in the UK. Regulations, green tech, and customer expectations are aligning to create a strong, sustained demand for skilled electricians.

To take advantage:

Get certified for solar and EV installs (e.g., NICEIC, MCS, OZEV).
Stay updated on BS 7671 and green energy incentives.
Consider partnering with smart home tech suppliers or taking IT training.
Market your services around upcoming regulatory deadlines (like EICRs).

Whether you’re just starting out or growing your team, focusing on these high-demand areas can ensure a busy, profitable future.

Remember: The future is electric – and electricians are powering the change.

Sources: Checkatrade, gov.uk, SunSave, EquipTest, The Guardian, The Logical Group, Fixflo, EcoGreen Electrical, LearnTradeSkills, Weiss Technik, NHBC, Statista, OpenRent, Rentokil

Get Specialist Electricians’ Insurance from Protectivity

If you’re working on a self-employed basis or running your own electrician business where you’re employing other people, then having your own cover in place is a must. If something goes wrong, the financial implications can be severe, which is why having the correct tradesman insurance is essential.

At Protectivity, we specialise in providing electricians’ insurance to professionals just like you. 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. Our tools insurance, is ideal for electricians needing to protect their equipment.

Find out more about our affordable policies, excellent claims handling, and monthly payment options when you request a quote today.

Get Electricians' Insurance from Protectivity

Last updated by

16:44:16 BST • 7 May 2025

How much to charge as a gardener

23 April 2025

•

8 mins read

Contributors

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns wi...

https://www.bark.com/en/gb/gardeners/gardener-price-guide/

Gardening is a rewarding profession, offering the freedom to work outdoors, manage your own schedule, and build a thriving business. However, one of the biggest challenges for self-employed gardeners and small businesses is deciding how much to charge for their services. Set your prices too low, and you may struggle to make a living; too high, and you risk losing potential clients.

For sole traders, seasonal gardeners, and small businesses, one of the most important yet tricky parts of running a gardening business is setting the right rates. Charge too little, and you may not cover your costs. Charge too much, and you risk pricing yourself out of work. In this guide, we’ll walk through industry averages, income expectations, and tips for setting fair, competitive prices that reflect the true value of your services.

How much do gardeners earn?

On average, qualified self-employed gardeners in the UK with 10 or more years of experience are targeting around £270 per day in 2024, up from £258 in 2023. This equates to approximately £36 per hour, based on 7.5 chargeable hours per day.

It’s worth noting that this isn’t pure take-home pay, it reflects the cost of running a gardening business, which includes tools, insurance, vehicle upkeep, training, fuel, and more. Gardeners can expect around 25% of their annual turnover to go towards these business expenses.

Your actual earnings will vary depending on your level of experience, services offered, region, and how many months of the year you’re actively working, since income typically dips during the winter.

How much do gardeners charge on average in the UK?

If you’re deciding how much to charge, it’s useful to understand what gardeners typically cost clients. Rates depend on factors like the size of the job, location, and whether the work is general maintenance or more skilled labour.

For clients hiring a gardener, the average hourly rate is between £25 and £36, depending on whether it’s a one-off job or a regular contract. Gardeners may charge more for specialised work or if the job involves significant travel, use of high-risk equipment, or tasks requiring specific qualifications.

Here are average hourly rates for various gardening services in 2025:

Landscape design: £100/hr
Garden levelling: £140 (per job, equipment included)
Lawn mowing & general maintenance: £20/hr
Weeding: £30/hr
Tree trimming: £60/hr
Planting flowers: £35/hr

Prices may also vary by region, the complexity of the job, and the type of service, routine vs. specialist, for example.

Average hourly rate for gardeners

Hourly rates are most commonly used for regular maintenance or smaller one-off jobs. The national average falls between £25 and £36 per hour depending on experience and type of service.

Charging by the hour works well when the job duration isn’t easily defined in advance. However, it’s crucial to be transparent with clients and provide an estimate beforehand to avoid misunderstandings. Also, ensure your hourly rate accounts for time spent on non-billable activities like travel, quoting, and tool maintenance.

Average day rate for gardeners

For full-day bookings or larger jobs, such as full garden clearances or landscaping, many gardeners prefer to charge a day rate. Based on current data, a qualified, experienced gardener in 2024/2025 may charge around £270 per day, though rates typically range from £150 to £300 depending on location and services included.

A day rate is often more convenient for both the gardener and the client and can offer better value overall. Just make sure to define what’s included in your daily rate, such as equipment, waste removal, or travel.

Considerations in how much to charge as a gardener?

Setting your rates as a self-employed gardener involves more than just matching the going rate in your area, it’s about building a sustainable business that covers your costs and rewards your expertise. Your pricing should reflect the true cost of running your business, your level of experience, and the value you provide to clients.

Here are key considerations when working out how much to charge:

Understand your costs

Factor in all your business outgoings such as tools, fuel, vehicle maintenance, insurance, licensing, protective clothing, waste disposal, and marketing. Your rate should ensure these are covered, with room for growth.

Research the market

Look into what other local gardeners charge for similar services. This helps you stay competitive and gives you a benchmark to work from.

Reflect your experience and skill

If you have qualifications, specialist knowledge (like plant care or landscaping), or use high-grade equipment, your pricing should reflect that added value.

Consider demand and availability

If you’re consistently busy or booked in advance, that may be a sign you can increase your rates slightly. High demand justifies higher pricing.

Include a profit margin

Don’t just break even. You’re running a business, so ensure your prices include a profit margin to make your work financially worthwhile.

Set a minimum charge for small jobs

Many gardeners set a minimum call-out fee to account for travel time, set-up, and overheads, especially for quick or one-off tasks.

Review rates regularly

Reassess your pricing at least once a year to keep up with inflation, rising costs, and changes in demand.

By taking all of these into account, you’ll be in a strong position to set fair and confident rates that support both your livelihood and your professional reputation.

Winter vs. Summer – Seasonal income

Gardening is a highly seasonal profession, with peak demand in spring and summer. Many gardeners find they can charge higher rates during these months due to increased demand. However, the average income can drop by up to 37% during winter, primarily due to shorter days, poor weather, and fewer garden-related tasks. To maintain earnings in the off-season, consider offering additional services such as:

Winter pruning: Many trees and shrubs require pruning in colder months.
Fence and shed repairs: Structural garden maintenance is in demand year-round.
Leaf clearance and composting: Many clients still need garden upkeep during autumn and winter.

By diversifying your services, you can generate a more consistent income throughout the year.

Setting up a gardening business & startup cost

If you’re launching a gardening business, it’s important to plan for some upfront investment. Basic startup costs may include:

Tools & equipment: £500 – £2,000+
Vehicle (van or trailer): £2,000 – £10,000 (used)
Insurance (public liability, tools): £100 – £300 annually
Marketing (website, flyers, signage): £200 – £1,000
Licences (waste carrier, pesticide handling): Variable

Starting small with essential tools and reinvesting as you grow can help manage costs effectively.

Additional pricing considerations

Beyond your standard rates, you may need to factor in additional costs to ensure your business remains profitable. Some key considerations include:

Travel expenses: If you’re travelling long distances, charging for fuel and time can be necessary.
Package deals: Offering regular clients discounted rates for ongoing maintenance can provide steady work.
Waste disposal: If you remove garden waste, charging an additional fee can cover disposal costs.
Cancellation fees: A cancellation policy ensures you don’t lose income from last-minute changes.

Being transparent about these costs with clients helps build trust and prevents misunderstandings. Setting the right price as a gardener is crucial for building a sustainable business. Understanding industry rates, factoring in your costs, and adjusting prices based on demand can help ensure profitability.

Whether you charge hourly, daily, or per project, always ensure your pricing reflects your expertise, time, and expenses. Regularly reviewing your rates and diversifying services can also help you maintain a steady income year-round. By charging confidently and fairly, you can grow a thriving gardening business while providing excellent value to your clients.

Sources:

https://www.thegardenersguild.co.uk/2024_gardener_hourly_rates_garden_maintenance.html

Get Gardeners' Insurance from Protectivity

Get Gardeners’ Liability Insurance from Protectivity

We’ve explored how setting the right rates can help you run a profitable and sustainable gardening business – but what about the things you can’t control? That’s where having the right insurance comes in, helping protect your income and your business when the unexpected happens.

As a professional gardener, you’re often working in other people’s homes and gardens, using tools, machinery, and occasionally dealing with risks like damage to property or injury. Gardeners’ liability insurance gives you peace of mind and financial protection if something goes wrong.

At Protectivity, we provide affordable gardener’s insurance to cover specific incidents commonly faced. Our policies include Public Liability up to £5 million as standard; you then have the option to add Plant and Tools cover, Employers’ Liability 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.

Whether you’re a gardener, handyman or involved in domestic property maintenance -take two minutes today to take a closer look at our trades policies.

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15:48:57 BST • 30 April 2025

Making Tax Digital Deadline April 2026

17 April 2025

•

7 mins read

Contributors

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns wi...

The tax landscape is changing, and if you’re a small business owner, sole trader or landlord in the UK, now is the time to start paying attention to Making Tax Digital (MTD). From April 2026, a major shift is coming for those who file Income Tax through Self-Assessment (ITSA), requiring them to keep digital records and submit tax updates more frequently using approved software.

We’re all about helping you avoid losing money, whether that’s through the right insurance cover or by staying ahead of costly regulatory changes. MTD is one of those changes that can easily slip under the radar, until the penalties hit. While over 1.4 million VAT-registered businesses are already using MTD, millions of sole traders and landlords still haven’t signed up for the Income Tax version, and take-up of the government’s pilot scheme remains low. That means many could end up scrambling to comply at the last minute, or worse, face avoidable fines.

By getting informed now and making a few simple changes, you can avoid stress and unnecessary costs down the line. In this guide, we’ll walk you through what’s changing, who it affects, and the practical steps you can take to prepare in plenty of time.

What is Making Tax Digital (MTD)?

Making Tax Digital is a government initiative from HM Revenue & Customs (HMRC), designed to make tax reporting more efficient and accurate. The idea is simple: get rid of paper records and manual tax returns and move towards digital systems that help reduce errors and improve compliance.

MTD has already rolled out for VAT-registered businesses, and next up are those who file Income Tax through Self-Assessment.

What will be different under MTD for income tax?

Here’s what’s changing under MTD for Income Tax:

Quarterly updates

Instead of one tax return per year, you’ll need to submit updates to HMRC every three months, summarising your business income and expenses.

End of Period Statement (EOPS)

After the end of the tax year, you’ll confirm your income and make any necessary accounting adjustments.

Final Declaration

This replaces your Self-Assessment return and confirms your total taxable income, including anything outside of your business (like dividends or savings interest).

Digital record-keeping

You’ll need to keep digital records of your income and expenses using MTD-compatible software.

Who does MTD apply to

It applies to you if:

You’re self-employed or a landlord, and
Your combined business and/or property income is more than £50,000 per year from April 2026, or
More than £30,000 per year from April 2027.

Who may be exempt?

If your income is under £30,000, you won’t be required to use MTD (for now), but you can opt in voluntarily.

You might be exempt if you can’t use digital tools due to disability, age, remote location, or other valid reasons.

To be officially exempt, you must apply to HMRC with supporting evidence.

When is the deadline?

The MTD rollout for Income Tax is happening in stages:

April 2026: MTD becomes mandatory for self-employed individuals and landlords with income over £50,000.
April 2027: MTD expands to those earning over £30,000.

HMRC is encouraging businesses to start preparing now—or even sign up early—so the switch is smooth and stress-free.

What are the penalties for missing the deadline?

HMRC is introducing a points-based penalty system under MTD:

You’ll get one penalty point each time you miss a submission deadline.
Once you hit a certain threshold (usually 4 points), you’ll receive a £200 penalty.
Penalty points expire after 2 years, as long as you stay compliant.
Late payment interest will also apply if you don’t pay your tax on time.

So, missing deadlines under MTD could lead to frequent penalties, not just once a year.

How to prepare for the MTD changes

Here’s a step-by-step guide to get you ready before the 2026 deadline:

1. Check if MTD Applies to You

Work out your gross income from self-employment and property. If it’s over £50,000, you’ll need to follow MTD from April 2026. If it’s over £30,000, you’re next in line in 2027.

2. Apply for an exemption (if you qualify)

If you’re not able to use digital tools for genuine reasons, apply to HMRC for an exemption as early as possible.

3. Choose Your MTD software

Find HMRC-approved software that suits your business. Make sure it offers:

Easy-to-use dashboard
Quarterly reporting tools
Support for digital links

Speak to your accountant if you’re unsure which one to go with.

4. Start keeping digital records

If you’re still using notebooks or spreadsheets, it’s time to go digital. Start logging:

Sales and income
Business expenses
Bank transactions

Most software lets you photograph receipts and upload them straight to your records.

5. Get familiar with quarterly updates

Instead of just one big return, you’ll send HMRC four quarterly updates, plus an EOPS and Final Declaration each year.

Your updates are due:

End of July (for April–June)
End of October (for July–Sept)
End of January (for Oct–Dec)
End of April (for Jan–March)

6. Set up digital links

Whether you use bank feeds, POS tools, or bridging software, make sure all systems talk to each other automatically.

7. Speak to an accountant or bookkeeper

If you already work with an accountant, they’re probably up to speed on MTD. If not, now’s a great time to get some advice to ensure you’re fully compliant.

Choosing MTD-compatible software

To comply with MTD, you’ll need to use software that can:

Keep digital records.
Submit quarterly updates and final declarations directly to HMRC.
Maintain digital links (no manual copy-pasting between systems).

Popular options include:

QuickBooks
Xero
FreeAgent
Sage
Zoho Books
And several others listed on the HMRC website

Some providers offer free or low-cost versions for sole traders, especially those with simple accounts. If you already use accounting software, check with the provider whether it’s MTD-compatible.

What is a digital link—and is it necessary?

A digital link is an electronic connection between different software programs or tools where data flows without manual input. For example, importing bank transactions directly into your accounting software is a digital link.

Under MTD rules:

Manually copying and pasting figures from one system to another is not compliant.
Digital links ensure accuracy and help HMRC reduce errors and fraud.

If you use spreadsheets, they must be connected to bridging software that automatically pulls data into HMRC’s systems—again, no manual input allowed.

Final Thoughts

Making Tax Digital might sound like a hassle at first, but it can actually make your life easier in the long run. Real-time reporting means fewer surprises, better financial visibility, and more time to focus on your business—not your bookkeeping.

Start early, choose the right software, and don’t be afraid to ask for help. April 2026 might seem far off now, but it’ll be here before you know it.

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Affordable 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.

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11:42:06 BST • 23 April 2025

How to leverage word of mouth marketing for your small business

17 April 2025

•

9 mins read

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Word of Mouth Marketing (WOMM) is one of the most influential tools a small business can use. Unlike traditional advertising, which depends on paid placements and polished messaging, WOMM is driven by genuine conversations and real-life recommendations. When customers share positive experiences, whether in person or online, they help build trust and credibility for a brand, often influencing others to engage or make a purchase.

Historically, word of mouth was spread through face-to-face chats, phone calls, and personal referrals. Small businesses built their reputations locally, thriving on strong relationships and consistent service. While those traditional roots remain relevant, today’s word of mouth has evolved to include social media, online reviews, and influencer endorsements, allowing even the smallest businesses to reach wider audiences.

In fact, data strongly supports its impact. According to Nielsen, 92% of consumers trust recommendations from people they know over any other form of advertising, while reviews and endorsements from trusted figures, such as celebrities or influencers, also carry significant weight. This unparalleled level of trust makes WOMM not just effective, but essential for any small business looking to grow authentically and affordably.

So, what is word of mouth marketing, how easy is it to roll out for your small business and is it worth it? We’ve put together a short guide to help you decide.

What is word of mouth marketing?

Word of Mouth Marketing (WOMM) is when customers voluntarily share their experiences about a business with others. It can occur naturally, without any prompting, or be encouraged through strategic efforts by the business.

Types of WOMM

Organic WOMM – This occurs when customers genuinely enjoy a product or service and talk about it with friends, family, or social media followers. There is no incentive involved; it stems purely from enthusiasm and satisfaction.

Amplified WOMM – In this case, businesses actively encourage and promote word-of-mouth sharing. This could be through referral schemes, social media engagement, or influencer collaborations.

Why is WOMM essential for small businesses?

Small businesses often operate with limited marketing budgets, making WOMM an invaluable strategy. It allows companies to grow organically, as happy customers naturally spread the word about great products and services. Additionally, recommendations from friends and family carry significant weight, making potential customers more likely to trust and act on them.

Why do people share recommendations?

People are naturally inclined to share recommendations, and much of this behaviour is rooted in psychology. At the heart of it lies the principle of social proof – when people endorse a product or service, it reinforces their own decision-making and provides a sense of validation. Sharing a great experience also creates an emotional payoff; there’s satisfaction in helping others discover something valuable.

On a deeper level, recommending a business can subtly provide a positive reputation, as it signals taste, insight, or being ‘in the know.’ This intrinsic motivation is often complemented by external incentives, such as discounts or referral rewards, which can further nudge people to spread the word.

WOMM channels in the digital era

Today, digital platforms have transformed how word of mouth spreads. With just a few clicks, customers can share their experiences with a much larger audience. Some of the most powerful modern WOMM channels include:

Social media: Platforms like Facebook, Instagram, Twitter, TikTok, and LinkedIn allow businesses to engage with customers and encourage them to share their experiences.
Online reviews & ratings: Feefo, Trustpilot and Checkatrade can be essential tools for businesses that rely on reputation and customer feedback.
Influencer marketing: Businesses collaborate with micro-influencers for authentic promotion, leveraging their credibility and following.
Referral & loyalty Programmes: Offering incentives for referrals helps encourage organic recommendations.
User-Generated Content (UGC): Customers posting photos, testimonials, and reviews about a business can generate powerful word-of-mouth exposure.

As an example: A small café that once relied on local chatter can now experience a surge in customers due to a viral Instagram post or a glowing online review.

How to use Word of Mouth Marketing for your small business

Deliver outstanding service & experiences

Providing exceptional service is the foundation of WOMM. Customers only recommend businesses they genuinely love. A memorable, seamless experience makes people more likely to talk positively about your brand, both online and offline.

Encourage reviews & testimonials

Asking satisfied customers to leave reviews can significantly boost credibility. Positive reviews serve as social proof, reassuring potential customers and influencing their purchasing decisions.

Leverage social media

Encourage customers to tag your business, use hashtags, and share their experiences online. This not only increases your visibility but also creates a stream of authentic content that can attract new audiences.

Use referral & loyalty programmes

Reward customers for referring friends to your business. These programmes turn happy customers into active promoters, helping you grow your base through trusted personal networks.

Work with micro-influencers & brand advocates

Authentic endorsements from real people can be highly effective. Micro-influencers, in particular, often have stronger connections with their followers, making their recommendations more persuasive.

Engage in community & networking

Attending local events and networking can help spread the word about your business. Building genuine relationships in your community can lead to lasting loyalty and consistent word-of-mouth referrals.

Benefits of Word of Mouth Marketing

Higher trust & credibility

Recommendations from friends and family are more influential than traditional advertising. People tend to trust real experiences over brand messages, making word of mouth a powerful driver of consumer confidence.

Cost-effective

WOMM requires little to no financial investment compared to paid advertising. This makes it especially valuable for small businesses looking to maximise impact without straining their budget.

Builds customer loyalty

Encouraging repeat customers helps businesses thrive. When people feel heard and valued, they’re more likely to return and promote your business to others.

Boosts brand awareness

More exposure with less effort. Every share, mention, or recommendation extends your reach to new potential customers without the need for constant promotion.

Increases conversions

Referred customers are more likely to make a purchase. They often arrive with a level of trust already established, making them easier to convert and more likely to become loyal patrons.

Costs of using Word of Mouth Marketing

Organic WOMM: Free, however it relies on satisfied customers receiving positive experiences and natural advocacy. Conversely if customers have negative experiences the cost to recover from this could be detrimental.

Paid WOMM Strategies:

Offering referral rewards such as discounts, free products.
Collaborating with influencers.
Investing in reputation management tools.

WOMM is far more cost-effective than traditional advertising and has long-term benefits.

Small businesses that benefit most from WOMM

Local service-based businesses

Businesses that rely on trust and credibility naturally benefit from WOMM. Restaurants, cafés, salons, auto mechanics, and cleaning services all thrive on personal recommendations. If someone has a great dining experience, a fabulous haircut, or finds a trustworthy mechanic, they are likely to tell others.

Professional services

Word of mouth is crucial for professional services such as real estate agents, consultants, and freelancers. Clients who have had a positive experience will be more inclined to recommend their service provider to friends and colleagues.

Retail & E-commerce

Shops selling unique or handmade products can benefit greatly from word of mouth, particularly if their products stand out on social media. Hobby shops and niche retailers can also build loyal customer communities that naturally generate recommendations.

Fitness, health & wellness

Gyms, personal trainers, and wellness businesses see significant benefits from WOMM. People are more likely to join a gym or try a new fitness class if they hear about it from a friend who had a positive experience.

Examples of successful word of mouth marketing campaigns UK

Wild Cosmetics

Wild Cosmetics specialises in refillable deodorants and body care products aimed at reducing single-use plastics. The brand’s commitment to sustainability and innovative product design resonated with consumers, leading to organic discussions and recommendations. This positive word-of-mouth contributed to a 77% revenue increase, reaching £46.9 million in 2023, and culminated in the company’s acquisition by Unilever for nearly £100 million in April 2025.

Wingstop UK

In 2018, entrepreneurs Tom Grogan, Herman Sahota, and Saul Lewin introduced the American chicken wing franchise Wingstop to the UK. The brand rapidly gained popularity, particularly among Gen Z consumers, thanks in part to endorsements from celebrities like Stormzy and AJ Tracey. These endorsements and the ensuing buzz led to organic word-of-mouth promotion, fuelling the expansion to 50 restaurants across the country and resulting in the company’s sale for over £400 million in December 2024

Why small businesses can thrive with WOMM:

Customers naturally talk about businesses that deliver excellent experiences.
Trust is a key factor in decision-making.
Repeat customers and referrals lead to long-term growth.

Word of mouth marketing plan checklist

Provide excellent customer experiences
Set up a referral programme
Encourage customer reviews & testimonials
Actively engage on social media
Partner with local influencers & brand advocates
Attend community events & network
Monitor & respond to online reviews & mentions
Track results & optimise strategies

Word of Mouth Marketing is one of the most powerful and cost-effective ways for small businesses to grow. It builds trust, increases visibility, and generates customer loyalty. By delivering outstanding service, leveraging social media, and using referral programmes, small businesses can harness WOMM to drive sustainable success.

Specialist Small Business Insurance from Protectivity

While word of mouth marketing thrives on positive experiences, it’s important to be prepared for when things don’t go to plan. Although insurance can’t protect your reputation from negative perceptions, it can provide vital cover for unexpected incidents beyond your control.

Protectivity offers affordable small business insurance suitable for side-hustlers and budding entrepreneurs just like you, specialising in a wide range of different activities. Public liability is included with options to add extras such as equipment cover, employers’ liability and other specific industry add-ons.

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17:11:19 BST • 17 April 2025

Latest scams affecting small businesses

15 April 2025

•

9 mins read

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For small businesses, falling victim to a scam isn’t just an inconvenience – it can lead to serious financial loss, operational disruption, and reputational damage. In fact, a recent Visa survey found that UK SMEs lose an average of £3,800 per fraud incident, with 6–8% of cases resulting in damages exceeding £10,000. As cyber criminals become more sophisticated, digital fraud has emerged as a growing threat, with more than 41% of UK small and medium businesses reporting they were targeted in the past year. Unlike physical crimes such as theft or vandalism, cyber scams often go unnoticed until it’s too late, making them especially dangerous.

Yet despite the scale of the problem, insurance policies often don’t cover the financial or operational impact of these attacks. This highlights the need for greater awareness and stronger preventative action. There are practical steps that both businesses and insurers can take to reduce the risk. This article explores the most common types of digital scams, the cost and scale of fraud affecting small firms, and how businesses can better protect themselves through awareness, training, and strong internal controls.

Types of scams

Phishing emails

Phishing continues to be the most common cyber-attack on businesses. In these scams, fraudsters pose as trusted organisations – such as banks, HMRC, or suppliers – and send emails designed to trick staff into clicking malicious links or revealing sensitive login details. Other variants include vishing (fraudulent phone calls) and smishing (deceptive text messages), all designed to manipulate employees into sharing information or making payments.

Invoice fraud & fake supplier scams

Also known as mandate fraud, this scam involves criminals impersonating a regular supplier and requesting a payment to a new bank account. Often, they use hacked email accounts or convincing lookalike invoices, making the request appear legitimate. The business only realises something is wrong when the real supplier later contacts them about a missing payment. This category also includes fake purchase orders or bogus procurement schemes – scams that cost small businesses millions every year and are among the most frequently reported.

Business identity theft

This involves criminals hijacking or imitating a legitimate business to commit fraud. It could mean altering official registration details, setting up a similarly named sham company, or even cloning a company website or social media profile. The goal is typically to take on debt, order goods, or mislead customers and partners. Aside from financial losses, these scams can cause lasting damage to a business’s reputation and credit rating.

CEO and impersonation scams

In these attacks, scammers pretend to be someone in authority – such as a CEO, director, client, or bank official – and instruct staff to make urgent payments or share sensitive data. Known as CEO fraud, this tactic relies on employees’ trust and the pressure to act quickly. A common example is a fake email from a senior executive demanding an urgent transfer outside of normal protocols. These scams exploit human behaviour rather than technology – making them particularly dangerous.

Cyber fraud and malware

Not all scams rely on social engineering. Some involve more technical threats like ransomware, viruses, or direct hacking. For example, fraudsters may gain access to a business’s phone systems and make premium-rate calls, or hack into email systems to redirect payments. While less common than phishing, these incidents can cause significant disruption and financial harm, particularly when critical data is compromised or lost.

Cost of scams

The financial impact of fraud is significant. According to UK Finance, a total of £1.17 billion was stolen through fraud across the UK in 2023. Small businesses are a major part of this figure. In just the first half of 2023, businesses lost £42.6 million through authorised push payment (APP) scams – where companies are tricked into sending money to fraudsters.

On average, UK SMEs that fall victim to fraud lose around £3,800, according to Visa’s survey, but this can be much higher in complex scams. The average cost of a cybercrime incident is estimated at £1,120, though 6–8% of cases result in losses of over £10,000.

Scale of scams to small businesses

Prevalence

Fraud targeting small firms is widespread. The Federation of Small Businesses (FSB) reports that 37% of SMEs experienced fraud or cybercrime over a 12-month period. A separate survey by Visa in late 2024 found that 41% of UK small and medium businesses had been affected by fraud in the past year – a clear sign that this threat is not going away.

Top tactics

Phishing is still the most common form of cyber-attack – accounting for around 84–90% of incidents. Impersonation scams also remain prevalent, experienced by roughly 35% of businesses. In terms of financial fraud, invoice fraud tops the list at 31% of reported cases, followed by card/cheque fraud (29%) and unauthorised bank payment fraud (26%).

Are small businesses keeping up?

Many SMEs are taking steps to improve their defences – 92% report implementing some form of cyber or anti-fraud measure. However, as criminals continue to evolve their tactics, there’s still a knowledge gap. Nearly half of small businesses are unaware of threats like invoice fraud, making them easier targets. Without dedicated cybersecurity teams or regular training, smaller firms often struggle to spot and stop scams in time.

Preventative measures

Experts and authorities urge small businesses to take proactive steps to guard against scams. Here are key preventative measures based on official advice:

Be sceptical and verify requests

Encourage your team to question unexpected requests, especially those involving payments or sensitive information. If you receive an email requesting a payment or a change of bank details – even if it appears to come from a known supplier or your boss – verify it via an independent channel. For example, call the supplier using the phone number you have on file (not a number provided in the email) to confirm the request.

Always confirm changes to bank details or unusual payment instructions through a separate, trusted communication channel – such as phoning the supplier directly using a known number. Don’t rely solely on email or caller ID, as both can be spoofed.

Educate and train employees

Regular training is key. Help staff recognise red flags such as strange email addresses, unexpected urgency, or generic greetings. Make scam awareness a routine part of your operations – much like health and safety. Campaigns like Take Five to Stop Fraud and quizzes from UK Finance offer excellent training tools to keep your team alert and informed.

Strengthen cybersecurity hygiene

Adopting good cyber habits can go a long way. Use strong passwords, turn on multi-factor authentication, keep devices and software up to date, and install reliable antivirus protection. Back up your data regularly and limit who has access to key systems. The NCSC’s Small Business Guide offers simple, practical tips for building digital resilience.

Secure your business identity

Protect your business’s official records by signing up for the PROOF scheme at Companies House, which helps block unauthorised changes. Use the Follow service to get alerts for any updates to your business’s filings. Be cautious about what you share online – details about suppliers or contracts could help a scammer craft convincing messages.

Implement strong payment controls

It’s worth introducing checks and balances into your payment processes. Require dual approval for high-value transactions and consider setting daily transfer limits. Make the most of banking tools like Confirmation of Payee – if the account name doesn’t match, investigate before sending funds. Separating responsibilities for payment approvals and execution can further reduce risk.

Report and respond quickly

If you do suspect a scam or fall victim to one, act immediately. Contact your bank’s fraud team if you think you’ve sent money to a wrong account – banks can sometimes freeze or recall funds if alerted in time. Likewise, if your system is hacked or you notice suspicious account changes, notify your IT provider or cybersecurity response service without delay.

Next, report the incident to Action Fraud (the UK’s national fraud reporting centre) either online or by phone. Prompt reporting not only aids possible investigations, but also ensures authorities capture the details to warn others and build intelligence on scam trends.

Small businesses can also reach out to helplines from bodies like the National Cyber Security Centre or industry associations for guidance after an incident. Remember that you’re not alone – law enforcement and industry groups are encouraging all businesses to speak up about fraud attempts so that the perpetrators can be tracked and stopped.

By staying vigilant, educating staff, and putting these protective measures in place, small businesses can significantly reduce their exposure to scams. As fraud experts often stress, a combination of human scepticism and robust processes is the best defence.

Sources

Action Fraud (UK police fraud reporting centre) – alerts and prevention tips

UK Finance – industry reports on fraud losses and scam types

Federation of Small Businesses (FSB) – research on small business crime trends

National Cyber Security Centre (NCSC) – Small Business Guide for cybersecurity (gov.uk)

Companies House – guidance on protecting your company from identity fraud (PROOF scheme)

Visa UK – SMB Fraud research 2024 (press release)

Barclays Bank – fraud prevention advice for businesses (invoice scam guidance)

Avena Group

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The most effective way to stay protected is to understand the risks and how they could impact your business, while keeping up to date with the latest scam trends. For other risks such as injury and damage liabilities it’s worth investing in business insurance.

At Protectivity, our affordable small business insurance* suitable for sole traders, freelancers and other small business owners, specialising in a wide range of different activities.

*Currently cybersecurity cover is not included in Protectivity small business policies as we aim to keep premiums as affordable as possible.

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15:08:16 BST • 14 April 2025

How the 2025 Spring Statement impacts the UK trades sector

28 March 2025

•

4 mins read

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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.

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09:40:25 GMT • 28 March 2025

Common hiring mistakes made by small businesses

25 March 2025

•

8 mins read

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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).
Ensure you have the right small business insurance policy in place before hiring staff.
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.

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13:59:55 GMT • 26 March 2025

Expert tradespeople’s “tips and tricks” of the trade

19 March 2025

•

12 mins read

Contributors

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns wi...

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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 at Capstone 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.

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