Author: Bee Ingram

10:31:30 BST • 4 June 2025

The rising cost of dog care in the UK

29 May 2025

•

14 mins read

Contributors

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

Britain’s beloved dogs are feeling the pinch – and so are their owners. With “dogflation”, the inflation rate of dog-related expense, from Dogs Trust, hitting 9% in early 2024 (more than double the general UK inflation rate of 4%), caring for a canine has become a serious financial commitment affecting professionals and pet owners alike.

Dog ownership in the UK has boomed, with about one-third of households now owning a dog. But between 2020 and 2024, the cost of keeping a canine companion has surged due to pandemic-era demand, inflationary pressures, and rising business overheads.

Caring for a dog now costs the average owner around £850 per year (for a medium sized dog), pushing the estimated lifetime cost of a large dog to over £15,700.

Below, we break down the rising costs in two key areas: (1) Professional dog handler services (grooming, walking, training, sitting, boarding) and (2) Costs borne by owners (veterinary care, insurance, food, dog care services etc.), followed by a look at regional cost differences across the UK.

Rising costs for professional dog services

Increase business overheads

From dog walkers to boarding kennel operators, professionals across the UK have seen sharp rises in operational costs – often with little room to absorb them.

Energy bills
Energy costs have been another major concern. Grooming salons, doggy daycares, and boarding kennels all rely heavily on gas and electricity. By late 2022, UK energy prices had surged, with gas rising by around 129% and electricity by 66% compared to 2020 levels. Although prices have moderated somewhat by 2024, they remain higher than pre-2022 levels and are still vulnerable to global market shifts.

Rebecca Duguid from Premier Dog Grooming shares how these increases have directly impacted pricing:
“Rising energy bills are a constant battle for our business. We’ve had to implement a small price increase each year for the last 3–4 years just to keep up with the soaring costs—without any help, relief or funding from energy companies or government schemes.”

To combat this, some businesses have invested in energy-saving upgrades. Rebecca explains:
“We’ve switched from an electric shower and stainless-steel bath to a hydrobath system, which saves both water and energy. We’ve also upgraded all lighting to energy-efficient LED lights with motion sensors. We do everything we can to be energy efficient while still operating a busy commercial salon.”

Labour and wages
For dog care businesses that employ staff, such as daycares, grooming salons, or kennels, rising wages have been another significant factor. The National Minimum Wage rose to £11.44/hour in April 2025. For staff-heavy businesses, this has meant substantially higher payroll costs.

Rebecca comments:
“With the recent rise in minimum wage, staff payroll has become our biggest business expense. We now have to work harder to cover these costs or reduce staff hours to keep the business cost-effective—which, of course, can limit availability and impact our overall earnings.”

Equipment and supplies
Costs for shampoo, clippers, and training equipment have all risen. Higher expectations from clients have also pushed professionals to invest in better-quality (and often imported) tools.

Rebecca elaborates:
“We’ve seen clear increases in the cost of tools, products and equipment. That said, we choose to use high-end, top-quality products because we’re committed to offering premium services to our clientele. These costs are expected and absorbed as part of maintaining our standards.”

And it’s not just tools—expectations have driven further investment:
“Our clients know we provide a high-quality, professional service, and they trust us to use the best products and tools. We constantly invest in training and qualifications to ensure we’re giving the best care possible. Clients appreciate that, and our social media helps keep them informed about the value they’re receiving—our pricing reflects that quality.”

Insurance & licensing
While some businesses feel regulatory costs are a financial burden, others see them as a standard part of operating.

Rebecca’s take:
“These are essential costs when running a pet care business. We don’t see them as a large burden—we simply couldn’t operate legally without them. Our insurance through Protectivity has been reliable for eight years and remains reasonably priced.”

General perception of costs
Rising backend expenses—energy, wages, equipment—naturally influence service pricing. But do clients understand this?

Rebecca believes many do:
“From what our clients say, they absolutely understand how tough it is to run a pet business in today’s climate. Everyone is feeling the cost-of-living increases—not just in dog grooming. Our prices may not suit everyone’s budget now, and we accept that. Every pet owner has different needs, and there’s a groomer for every client. We are so grateful for the loyalty our clients continue to show us year after year.”

Liability and claims risks

Running a professional dog care business comes with a host of legal and financial responsibilities. From licensing requirements to insurance coverage, the risks associated with dog handling are significant – and getting it wrong can have costly consequences.

Insurance and claim trends

Professional dog carers are legally and ethically expected to hold appropriate insurance, including public liability, pet business insurance. As with most sectors, premiums have risen with inflation, and these higher costs often result in increased prices for customers.

Claims research from Protectivity in 2023–2024

Key findings

Dog care activities with the most claims.
Highest paying claims.
The most common incidents leading to claims.

Our claims data shows the dog care activities with the highest volume of insurance claims were:

Dog walking – 39%
Dog grooming – 27%
Boarding and kennels – 10%
Dog sitting – 7%
Dog training and behaviourists – 2%
Other activities – 15%

Although dog walking had the highest number of claims overall, largely due to its frequency and the risks associated with public spaces, dog boarding and grooming led to the most expensive claims, with the highest grooming-related claim exceeding £12,000 during this period.

Common incidents leading to claims

Injuries from fights or other dogs – Many claims involve dogs being bitten or injured during interactions with other dogs, particularly in boarding, daycare, or walking scenarios. These often result in high vet bills and liability costs.
Ingestion of dangerous substances or items – Dogs frequently consume harmful or foreign items—such as grapes, chocolate, onions, sticks, or even clothing—which can require induced vomiting or emergency care. These incidents are common in sitting, boarding, and walking settings.
Accidental injuries during walks or play – Claims include broken legs, fractures, and cuts from barbed wire, sticks, or fences—mostly occurring during outdoor walks or exercise. These can be sudden, costly, and difficult to prevent without proper control.
Grooming injuries – A significant volume of claims stems from accidental cuts during grooming. These range from nicks to more serious lacerations affecting ears, tongues, paws, and other sensitive areas.
Lost or escaped dogs – Dogs escaping through unsecured gates, doors, or fields can lead to claims involving search efforts and subsequent accidents that result in costly vet bills.
Personal accidents to handlers – Handlers themselves are at risk, with claims involving dislocated shoulders, broken bones, or surgeries due to being pulled by dogs. These often result in time off work and loss of earnings.
Property damage – Incidents also include broken phones, damaged grooming equipment, lost keys, and destruction of client property, adding to overall claims volume.

Claims research shows that the highest-cost claims typically involve severe accidents, especially dog-on-dog injuries and ingestion of harmful items, where vet bills can run into the tens of thousands. These are not only expensive but also emotionally distressing for all involved.

Most claims fall under Care, Custody, and Control (CCC) liability, where the handler is responsible for the dog’s welfare and actions. A recurring theme is poor hazard control, including unsecured environments (e.g., open gates, off-lead dogs, or barbed wire) and grooming areas lacking proper safety measures. These incidents are largely human error, including walking dogs off-lead without consent or leaving access points unsecured.

By being aware of these high-risk scenarios and proactively putting controls and protocols in place, dog care professionals can reduce the likelihood of costly incidents, protecting both their business and the dogs in their care.

Legal and regulatory responsibilities

Dog care professionals must of course operate within the law, and non-compliance can lead to serious financial penalties. Further to this, failing to be properly regulated or licensed can invalidate insurance policies, leaving businesses exposed in the event of a claim. Whilst not officially regulated there are dog walking laws and dog grooming laws that dog care professionals will need to follow.

Key penalties under the Control of Dogs Order 1992 include:

Transporting dogs without proper restraint: up to £5,000
Allowing dogs in public without a collar and ID tag: up to £5,000
Dogs dangerously out of control in public: up to £5,000
Failing to pick up dog fouling in public areas: £100–£1,000

Some local authorities have also significantly raised licensing fees, for example, a council in North Yorkshire reportedly increased dog boarding licence fees by 500%, adding to the financial strain on small businesses.

Rising costs for dog owners

Dog owners across the UK are really starting to feel the pressure, with nearly every part of pet care becoming more expensive between 2022 and 2024. From vet bills and insurance premiums to food, grooming, and everyday supplies, the costs of keeping a dog have noticeably gone up.

Recent data shows that 90% of owners say pet ownership has become more expensive, and over a quarter (26%) admit the rising cost of living is directly impacting how they care for their pets. In response, around 35% of owners have adjusted manage costs, whether that means cutting back on personal luxuries, tightening household spending, or rethinking how they access pet services. Even the hidden or unexpected costs of owning a dog are becoming harder for many to absorb.

Veterinary care

Veterinary costs have risen sharply in recent years, with prices increasing faster than many other services – including private healthcare for humans. As of February 2024, inflation for veterinary services was running at 10.7%, compared to the general UK inflation rate of 3.8%. This followed a peak of 13.1% in June 2023 for pet services overall, even as broader inflation was beginning to ease.

Routine treatments haven’t been spared. The average cost of annual booster injections climbed from £41.78 in January 2020 to £62 by February 2024, a 48.4% increase, more than double the rate of general inflation. Prices now vary widely too, ranging from £23 to £107 depending on the provider.

More complex care is even harder on the wallet. Procedures like cruciate ligament repair can set owners back £3,000 to £5,000, while surgeries for fractures or internal issues often cost thousands. Diagnostic tools such as MRI scans have also become more expensive, partly due to rising overheads at veterinary practices and the high-tech equipment involved.

Pet Insurance

As a consequence of rising vet bills pet owners feel obligated to invest in pet insurance, often opting for lifetime cover. However, many may not appreciate that making a claim leads to higher premiums later on.

Insurance premiums for pet insurance rose by 4% in 2023, averaging £389/year. Premiums reflect higher vet costs and an increase in claims. Older dogs and certain breeds saw steeper hikes. Some insurers also raised excess fees. Insurers processed 1.8 million claims in 2023, the highest on record.

Food and pet supplies

Pet food prices jumped, with inflation peaking at 15% in 2023. Feeding costs have climbed due to supply issues and ingredient costs. Premium brands also rose more sharply. In some cases, owners have turned to cheaper alternatives or food banks.

Unexpected costs

It’s not just the obvious expenses catching dog owners off guard. While it only applies to some, post-Brexit pet travel to the EU now requires documentation that adds over £100 per trip.

However, more common for some, dog behavioural issues post-lockdown also prompted expensive training. Some owners faced legal liability or insurance needs due to behavioural incidents.

Rehoming pressures

Sadly, the financial strain has led to a spike in people giving up their pets. In 2023, Dogs Trust received more than 45,000 handover requests, more than double the number in 2022. The most common reason? Owners simply couldn’t afford to keep their dogs. In response, charities have stepped in, expanding support through pet food banks, low-cost vet clinics, and behaviour support services.

Regional cost differences

The amount dog owners pay for care services across the UK can vary quite a bit depending on where they live. In London, for example, prices are at the higher end of the scale. Dog day care costs between £50 and £60 per day, and overnight boarding can be as much as £70. A full grooming session in the capital might set owners back up to £150. These high prices reflect not only strong demand but also the higher overheads that come with running a business in a busy, expensive city, things like rent, wages, and limited-service availability.

In other major cities like Manchester, Bristol, and Southampton, prices are a little more moderate, but still far from cheap. In Manchester, daycare typically costs £30 to £35 per day, while boarding tends to be around £28 to £32 per night. Dog grooming costs in these areas usually comes in at about £50. Owners in these regions might have access to a broader range of price points, as local providers try to strike a balance between affordability and rising operational expenses, such as fuel, utilities, and staffing.

Head further into Scotland and Wales, in cities like Edinburgh or Cardiff, and you’ll generally find slightly lower prices. Daycare can start from around £25, and grooming averages closer to £45. But even at these lower price points, costs still reflect ongoing inflation and the unique challenges of running pet care services in less densely populated areas, like longer travel routes and fewer clients per day.

In the end, what businesses charge comes down to a mix of local demand, cost of living, and competition. For dog owners, that means weighing up not just the price tag, but also availability, reliability, and the quality of care when choosing the right service for their pet.

Demand remains strong regardless or price rises

Despite the mounting financial pressures across the dog care industry, one fact stands out: demand hasn’t declined. The UK’s dog population continues to grow, and for both pet owners and professionals, the bond between people and their pets remains a powerful force that often outweighs economic concerns.

For pet care businesses, rising costs across fuel, wages, energy, insurance, and licensing have made price increases unavoidable. But crucially, many of these services exhibit what economists call “inelastic demand” – meaning that even when prices rise, usage stays relatively stable. This is especially true among working households who depend on reliable dog walking, grooming, sitting, or daycare services to balance their routines.

In London, for example, dog daycare is in such high demand that some owners continue to pay for their dog’s place even while their pet is recovering from surgery, simply to avoid losing the spot.

Still, the resilience of this sector is clear. With 25% of dog owners using grooming services monthly, and a growing reliance on walkers and sitters, dog care has become deeply embedded in modern life. While both professionals and owners would welcome greater cost stability, the strength of demand continues to carry the sector forward – even in the face of rising prices.

Sources:

Data has been taken from recent UK media reports, industry surveys, and official data on pet care costs including: dogstrust.org.uk, assets.publishing.service.gov.uk, Association of British Insurers abi.org.uk, globalpetindustry.com, dogster.com, Analysis by Dogs Trust/Oxford Economics, Competition & Markets Authority. https://www.pdsa.org.uk/, ONS – Veterinary prices, Rover – Dog care service prices (May 2025), The Times, The Huddersfield hub

Pet Business Insurance from Protectivity

At Protectivity, we understand the unique risks that come with working in the dog care industry. Whether you’re out dog walking for your clients, running a grooming salon, or offering dog training sessions, our dog-specific insurance provides essential protection tailored to your profession. With 14 dog-related activities covered you’re protected as your business grows.

Our pet business insurance includes Public Liability as standard, with flexible cover levels to suit your business size and services. You can also tailor your policy with optional extras like Care, Custody & Control, Equipment Cover, and Loss of Key Cover.

Get Pet Business Insurance from Protectivity

Last updated by

21:29:18 BST • 6 October 2025

Electrician tools – What you need in your tool bag

28 May 2025

•

8 mins read

Contributors

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

Before you land your first job or start quoting for work, there’s one crucial thing you need to get sorted: your electrician tools. Not just any tools – the right ones. And with so many options out there (and keeping your pressured bank balance in mind), knowing what to buy first can feel like a job in itself.

Investing in specialist tools is a considerable expense, especially when you’re just starting out. Separating what’s essential and what’ you’ll need for specialist jobs can help you assess what you’ll need to own.

In this guide, we’ll walk through the tools you need, how much you might spend, and how to keep your toolbox in top shape.

Essential tools every electrician needs

Every spark needs a solid foundation, and that means reliable, everyday tools. Here are the basics, along with the types of jobs they’re used for:

Pliers: At least a pair of needle-nose, lineman’s, and side cutters. These are used daily for cutting, twisting, and gripping wires, making them essential for general wiring, installing sockets, and consumer unit work.
Screwdrivers: A set of insulated screwdrivers is non-negotiable. Go for a mix of flathead, Phillips, and a multi-bit driver for flexibility. These are used for installing and removing screws on faceplates, backboxes, and terminals.
Wire Strippers: Save yourself time and avoid damaging wires – invest in a good pair with clear gauge markings. Perfect for stripping insulation off cables before making connections.
Voltage Tester or Multimeter: For checking if a circuit is live and diagnosing faults. Multimeters are more versatile and ideal for fault finding, continuity checks, and verifying voltage levels.
Tape Measure: A 5-metre tape does the job. You’ll use it for marking out positions for sockets, switches, and conduit runs.
Utility Knife: Used for stripping cable sheaths, trimming insulation, and opening boxes – useful for first fix work and cable prep.
Fish Tape or Cable Puller: Essential when running wires through conduits, trunking, or wall cavities, especially on new installations or rewires.
Spirit Level: Keeps sockets, switches, and trunking aligned and looking professional – important for visible installs.
Hammer: Not just for nails – handy for knocking cable clips into place, freeing stuck parts, or securing fixings during installation.

Look for VDE-rated tools where needed to make sure they’re safe for electrical work.

Specialist tools for different electrical jobs

Once you’re doing more advanced or specific work, you’ll need tools to match the task. These aren’t necessarily for day one, but definitely worth knowing about:

Circuit Tracer & Breaker Finder: Ideal when trying to identify which breaker controls a specific circuit – helpful during fault finding, repairs, or additions.
Cable Crimper: Needed for attaching lugs, ferrules, and terminals securely – essential for working with armoured cable or connecting to distribution boards.
Conduit Bender: For neat and accurate bends in metal or plastic conduit. Crucial for commercial installs, where exposed conduit is common.
Thermal Imaging Camera: Not cheap, but useful for fault-finding and preventative maintenance. Great for identifying overheating components, loose connections, or overloaded circuits.
PAT Tester: Essential if you plan to test portable appliances in domestic, commercial, or industrial environments. Often required for landlords, offices, and workshops.
RCD / Earth Loop Testers: These are a must for proper testing and certification of installations. Used during EICRs, new installs, or when troubleshooting protection devices.
Punchdown Tool: For working on structured data cabling and telecoms work. Ideal if you’re branching into networking, CCTV, or home automation.

Pick these up as your work expands – no need to break the bank upfront.

What should be in an electrician’s tool bag?

You don’t want to lug your entire workshop around with you. A good tool bag should be compact but packed with the essentials:

Core hand tools (pliers, screwdrivers, strippers)
Tester and multimeter
Utility knife, tape, and level
Pencil and marker
Cable ties and tape (insulating, electrical, duct)
Small torch or headlamp

Many electricians swear by tool backpacks for comfort and better organisation. Keep less-used or larger gear in the van.

Organising your tools

A well-organised toolkit saves time and prevents damage to your gear. Here’s how to keep things tidy and efficient:

In your tool bag or backpack:

Use internal compartments and pouches to separate hand tools, testers, and accessories.
Store sharp items like utility knives in blade guards or designated holders.
Keep small bits (screws, rawl plugs, terminal blocks) in clear mini-containers or pouches.
Label key compartments if your bag has multiple layers or sections.

In the Van:

Use stackable organisers or drawer systems for larger tools like drills, crimpers, and benders.
Keep power tools in their cases to avoid damage and tangling cords.
Dedicate zones for frequently used items (e.g. left-hand side for test equipment, right-hand side for install tools).
Use magnetic strips or pegboards for wall-mounted tool access.
Restock your tool bag at the start or end of each day so you’re always job ready.

Good organisation not only makes you faster and more professional but also helps prevent lost tools – and nothing wastes time like rooting around for a missing screwdriver! Consider doing a monthly tidy-up to keep your setup in top shape.

How much do electrician tools cost?

Here’s a ballpark idea of what you might spend:

Basic starter kit: £150–£300
Mid-range kit: £400–£800
Professional setup: £1,000+

Specialist tools like RCD testers or thermal cameras can push the budget up, but you don’t need everything at once. Look out for deals at trade counters or bundle kits from brands like CK Tools, Wera, or Fluke.

Tips for buying tools on a budget

Starting out can be costly, but there are ways to save:

Buy essential tools first – don’t overstock early on
Consider second-hand tools from reputable sellers or colleagues
Watch for trade discounts or cashback offers
Stick to known brands that offer warranties and replacements

Remember: cheap tools often end up costing more in the long run.

Maintaining and upgrading your tools

Treat your tools well and they’ll last:

Clean tools regularly – especially after dusty or damp jobs
Keep cutting tools sharp
Store them in a dry, organised tool bag or box
Calibrate meters and testers annually
Consider insurance for high-value items, especially if stored in your van

Safety considerations and tools

When you’re working with electricity, safety should always come first. The right safety tools and procedures not only protects you but also those around you. Here’s what to keep in mind:

Insulated Tools: Always use VDE-rated tools when working on or near live circuits. These are tested to 1,000V and help prevent accidental shocks.
Voltage Testers: Always test circuits before starting work – even if you think they’re isolated. A non-contact tester is a quick check, but a two-pole voltage tester gives greater certainty.
Lockout/Tagout Kits: For isolating circuits safely while you work. Essential for commercial settings or anywhere someone else might unknowingly re-energise a system.
PPE (Personal Protective Equipment): At minimum, carry insulated gloves, safety glasses, and a dust mask. For certain environments, you may need arc-flash rated gear.
First Aid Kit: Keep a basic kit in your van or tool bag. Even small cuts and burns need proper treatment to avoid infection.
Fire Extinguisher: Especially important if you’re working in older buildings or near distribution boards. A CO2 extinguisher is ideal for electrical fires.

Safe working habits

Always double-check isolation before touching any conductors.
Work methodically and avoid distractions.
Use proper signage or barriers when working in public or shared spaces.

Investing in safety isn’t just about ticking boxes – it gives you peace of mind and shows clients you take your trade seriously.

Digital tools for the modern electrician

It’s not just about screwdrivers and testers these days. Digital tools can seriously boost your efficiency:

Job management apps like Tradify or Fergus
Certification software (e.g. NICEIC, iCertifi)
Cable calculators, voltage drop tools, and load calculators
AutoCAD Electrical or EasyPower for layout and design

Final checklist: Build your first electrician’s tool kit

Start simple, then expand:

Basic Kit:

Pliers, screwdrivers, strippers, knife
Voltage tester, tape measure
Tape, level, tool bag

Intermediate Kit:

Multimeter, crimper, fish tape, torches

Advanced Kit:

RCD tester, conduit bender, thermal imager, PAT tester

Getting your electrician tool kit right is a big part of becoming a confident, capable trades professional. Start with the basics, grow as you go, and don’t be afraid to ask fellow sparks for their recommendations. The right tools don’t just make your work easier – they make it safer and more professional too.

Insure your tools with Electricians’ Insurance from Protectivity

At Protectivity, we provide affordable tools insurance to cover incidents commonly faced by electricians’ and other tradespeople, including tools of trade theft.

Our electricians’ insurance 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.

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

Get Electricians' Insurance from Protectivity

Last updated by

09:17:12 BST • 28 May 2025

Popular fitness trends to offer as a Personal Trainer

14 May 2025

•

7 mins read

Contributors

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

The fitness industry is evolving faster than ever driven by advances in technology, shifting client needs, and fresh training formats that challenge the status quo. Whether it’s AI-driven workouts, recovery-based training, or community-focused events, staying on top of these trends isn’t just a nice-to-have—it’s a competitive edge.

If you’re a personal trainer or fitness instructor looking to attract new clients, keep existing ones engaged, or future-proof your services, this guide is for you. We’ve broken down some of the most exciting fitness trends gaining momentum in 2025 and grouped them into actionable categories. Whether you run 1-to-1 sessions, group classes, or hybrid programs, you’ll find plenty of inspiration to keep your offering fresh and future-ready.

Mind-body & recovery-inspired trends

Hybrid strength & mindfulness classes

Hybrid classes that blend strength training and mindfulness practices have gained traction over the past few years, especially post-pandemic, as people seek a balance between physical exertion and mental well-being. A typical session may begin with compound lifts or kettlebell circuits and finish with breathwork, stretching, or a short meditation. This kind of integrated training helps clients improve performance, recover faster, and reduce stress levels.

Popular with: Professionals, stressed-out parents, wellness-focused clients.
Tips to incorporate: Upskilling with CPDs in mindfulness or yoga and integrating short breathwork flows after strength sessions.

Flow State sessions

Flow State is part of a growing trend of holistic wellness that merges movement with mental clarity. These sessions typically include 15-20 minutes of mobility or light flow-based training (inspired by yoga or primal movement), followed by guided breathwork and 5-10 minutes of journaling. They tap into the same audience that attends sound baths or mental wellness workshops.

Popular with: Burned-out professionals, mental health-conscious clients.
Tips to incorporate: Running morning or Sunday reset sessions in studios or parks with mats and music. Great for retreats, too.

Sound bath recovery sessions

Originally used in wellness and yoga communities, sound baths have become increasingly popular as a recovery tool for active populations. Using instruments like singing bowls, chimes, or gongs, these sessions help stimulate parasympathetic nervous system activity (the rest-and-digest state), promoting deep relaxation and recovery. They’re often used as a recovery complement to intense training programs or stressful lifestyles.

Popular with: Yoga-goers, high-stress clients, wellness seekers.
Tips to incorporate: Partnering with a local sound healer or learning the basics yourself through short courses.

Digital & tech-enhanced training

Virtual Reality fitness (VR Workouts)

VR fitness started picking up momentum in the late 2010s, but now it’s becoming mainstream with accessible apps and affordable headsets. Platforms like FitXR, Supernatural, and Les Mills XR turn fitness into immersive gaming experiences—from boxing and dance to full-body HIIT. It offers a fun, motivating, and often social way to train at home or in a gym with a VR area.

Popular with: Younger clients, gamers, busy professionals wanting fun ways to move.
Tips to incorporate: Creating hybrid programs or remote support packages around VR fitness.

AI-supported training

AI in fitness is no longer futuristic – it’s here. From form correction via smart mirrors to adaptive plans that adjust based on client feedback or wearable data (e.g., heart rate variability, sleep patterns), AI can make coaching more efficient and personalised. This trend complements online coaching models and is often bundled with monthly app-based support.

Popular with: Data-driven clients, athletes, biohackers.
Tips to incorporate: Integrating wearables into your coaching or offering a monthly digital coaching package using AI support tools.

Creative movement & dance fusion

Dance-based fitness fusions

Dance fitness is evolving with vibrant and culturally influenced fusions. These classes combine cardio, rhythm, and fun in formats that feel more like parties than workouts:

Afrobeats HIIT: Rhythmic, high-energy cardio
K-Pop Cardio: Fan-favourite routines for Gen Z
Clubbercise: Glow-stick dance raves in the dark
Ballet Bootcamp: Strength meets elegance

Popular with: Party lovers, dancers, Gen Zer’s.
Tips to incorporate: Hosting themed evening classes or streaming sessions online. Partner with dance instructors if needed.

Aquatic & recovery-based fitness

Aqua boxing & deep water HIIT

Aquatic training has long been used in rehab and senior fitness, but new formats like aqua boxing bring a high-energy twist. Clients wear aqua gloves or resistance gear and follow boxing combos, agility drills, or plyometric-style movements in the water. The water’s resistance provides strength training, while buoyancy reduces joint stress. Think of it as HIIT meets hydrotherapy.

Popular with: Rehab clients, older adults, those with joint issues or recovering from injury.
Tips to incorporate: Running sessions at local leisure centres or hotel pools. You’ll likely need water fitness or lifeguard certification.

Functional performance & playful training

Parkour fitness (for adults!)

Parkour, once a niche activity for adrenaline junkies, is being adapted into gym-friendly formats with safety in mind. Adult parkour focuses on vaults, climbs, balance, and jumps using soft equipment and modular setups. It improves body awareness, coordination, and mental agility, similar to functional fitness but with a playful edge.

Popular with: Adventurous adults, urban clients, ex-athletes.
Tips to incorporate: Using soft equipment, obstacle-style gym layouts, or collaborating with parkour specialists.

Weighted vests for functional conditioning

Weighted vests are enjoying a resurgence, especially among outdoor training groups and minimalist trainers. They add resistance to bodyweight training, perfect for incline walks, circuits, or even yoga. Unlike dumbbells or kettlebells, they allow for a more natural movement pattern.

Popular with: Outdoor training groups, military-inspired bootcamps, athletic clients
Tips to incorporate: Offering progressive vest-based training blocks and educating clients on safe use.

Experience-based fitness

Fitness festivals & pop-up events

Fitness festivals blend movement, community, and lifestyle, offering an all-day experience that might include HIIT, yoga, wellness talks, food stalls, and DJ sets. These events are an amazing brand-builder and help you reach new audiences who value both social connection and health.

Popular with: Millennials, group fitness fans, brands looking to partner
Tips to incorporate: Partnering with other PTs, DJs, and wellness vendors. You can host these quarterly or as seasonal specials.

What to consider before launching a new trend

1. Qualifications & Insurance

Ensure you’re trained to deliver the session and covered legally. Many trends require CPDs or updates to your insurance policy.

2. Safety

Always do a risk assessment. Whether you’re rebounding on trampolines or boxing in water, know the limits of your space and clients.

3. Know your clients

Trendy doesn’t mean relevant. Consider their goals, ability, and personality before introducing something new.

4. Cost vs Value

Some ideas (like VR or weighted vests) require investment. Start small and scale up once you validate the demand.

5. Authenticity

Only offer what you genuinely enjoy and believe in. Clients can feel your enthusiasm—or lack of it.

Final thoughts

There’s no shortage of exciting ideas to explore in the coming year. Whether you’re introducing tech to your coaching, turning recovery into a revenue stream, or offering fun new formats like dance fusions or parkour, these trends can energise your business and inspire your clients. The key is to experiment with intention and to never stop learning.

Get Personal Trainer Insurance from Protectivity

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.

Last updated by

20:50:52 BST • 8 October 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

08:48:11 BST • 7 October 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.

Last updated by

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.

Get Small Business Insurance from Protectivity

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.

Last updated by

08:56:57 BST • 7 October 2025

How to leverage word of mouth marketing for your small business

17 April 2025

•

9 mins read

Contributors

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

Get small business insurance from Protectivity

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.

Get Small Business Insurance from Protectivity

Last updated by

17:11:19 BST • 17 April 2025

Latest scams affecting small businesses

15 April 2025

•

9 mins read

Contributors

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

Get small business insurance from Protectivity

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

Get Small Business Insurance from Protectivity

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.

Get Small Business Insurance from Protectivity

Last updated by