Author: Tegan

15:49:52 BST • 30 April 2025

What is a Gold CSCS Card & how to get one?

By Chris Trotman

29 April 2025

•

7 mins read

Contributors

Chris Trotman

Chris has been with Starpeak Insurance Solutions for 3 years. Before starting with the company, Chris was involve...

Get tradesman insurance from Protectivity

The UK construction industry’s busier than ever — and it’s not slowing down any time soon. In fact, the CITB has estimated that over 250,000 extra workers will be needed by 2028 to keep up with demand across housing, infrastructure, and repair projects. If you’re already working in the trade or running your own business, that’s good news — but it also means the bar is being raised when it comes to skills and qualifications.

Skilled workers are in demand, and that’s reflected in pay too. According to the BCIS, construction wages have gone up by around 6.7% in the past year alone, especially for those with solid experience and recognised qualifications under their belt. That’s where the Gold CSCS card comes in. Whether you’re looking to prove your skills, take on more responsibility, or just boost your earning potential, having a Gold card shows you’re serious about your trade.

In this guide, we’ll cover everything you need to know: what the Gold CSCS card is, who it’s for, what qualifications you need, how to apply, and how it compares to the other card types out there. Whether you’re a seasoned pro or looking to level up, it’s all here.

What is a Gold CSCS card?

The Gold CSCS card is a recognition of your skills, qualifications, and experience within the construction industry. It’s not just a flashy card with a nice colour – it tells employers and site managers that you know your trade inside out.

There are two types of Gold CSCS cards:

Gold Skilled Worker Card – for experienced tradespeople who have completed a Level 3 NVQ or equivalent in their specific trade.
Gold Supervisor Card – for those in a supervisory or foreperson role, often with additional responsibilities like overseeing other workers on-site.

Think of the Gold card as a badge of professionalism. It shows you’re not only capable but certified to work safely and competently.

Why do you need a Gold CSCS card?

Holding a Gold CSCS card isn’t just a box-ticking exercise – it’s a powerful way to show that you’re a skilled professional who takes their trade seriously. From getting through the site gates to landing better jobs and meeting health and safety requirements, a Gold card can open doors and boost your reputation across the construction industry. Here’s why having one really matters:

Site access – Most major construction sites in the UK now require a valid CSCS card. Without one, you might not even make it past the car park.
Proof of skill – It proves you’re properly qualified and experienced, which builds trust with employers and clients.
Better job opportunities – Many higher-paying roles or supervisory positions require a Gold card as standard.
Health & Safety – It shows you’ve passed the relevant Health, Safety & Environment (HS&E) test, which is a key part of keeping everyone on-site safe.

Requirements for a Gold CSCS card

Following requirements is about showing that you’ve gained solid experience on-site, completed the right training, and earned formal, industry-recognised qualifications. Whether you’re applying as a skilled tradesperson or stepping up to a supervisory role, you’ll need to prove your knowledge, capability, and commitment to high standards. Let’s break it down by card type:

For the Skilled Worker Card:

A Level 3 NVQ/SVQ in your trade (e.g., carpentry, plumbing, electrical installation).
Pass the CITB Health, Safety & Environment (HS&E) test for Operatives within the last 2 years.

For the Supervisor Card:

A Level 3 or 4 NVQ/SVQ in Occupational Work Supervision or a relevant supervisory qualification.
Pass the CITB Supervisor-level HS&E test (not the basic Operatives version).

How to apply for a Gold CSCS card

These are the main steps to follow, to ensure you get your card:

Get Your Qualification – Make sure you have the right NVQ or SVQ. If you don’t, you can look into on-site assessment routes or training providers that offer recognised qualifications.
Pass the HS&E Test – Book your test via the CITB website. Choose the Operative or Supervisor test depending on your card type.
Apply Online – Head over to the official CSCS website to apply. You’ll need to upload proof of your qualification and test pass.
Pay the Fee – The application currently costs £36 (as of 2024).
Wait for Delivery – Your card should arrive within a couple of weeks, but you can use your application confirmation as proof while you wait.

Other steps and tips getting a CSCS card

Finding an NVQ Provider – Make sure your training provider is accredited. Some providers even assess you on-site while you work.
Upgrading from a Blue Card – If you already have a Blue Skilled Worker card, upgrading to Gold can be a natural next step once you complete a Level 3 NVQ.
Renewals – The Gold card is valid for 5 years. You’ll need to retake the HS&E test and provide evidence of continued competence to renew.
Lost or Damaged Card? – You can order a replacement easily through the CSCS website.

Gold CSCS vs other cards

To put things in perspective:

Green Card – Labourer (entry-level)
Blue Card – Skilled Worker (Level 2 NVQ)
Gold Card – Advanced Skilled Worker or Supervisor (Level 3+)
Black Card – Manager (Level 5+ in site or project management)

So, if you’re already working at a high level in your trade, or managing others on-site, Gold is the card you should be aiming for.

Read more about the process from the start in our blog on How to get a CSCS card.

CSCS Gold card FAQs

Can I get a Gold card without an NVQ?
Generally, no. But there are experienced worker routes where you can gain an NVQ through on-site assessment.

How long does the whole process take?
If you already have your qualification and HS&E test completed, the card can be with you in as little as 10 working days.

What if my qualifications are from outside the UK?
Some overseas qualifications can be accepted. You may need to go through a UK NARIC (now Ecctis) check or get UK-equivalent certification.

To sum up

Getting your Gold CSCS card is a smart investment in your future. It opens doors to better jobs, more responsibility, and higher pay. Plus, it proves to clients, employers, and site managers that you’re the real deal.

Whether you’re moving up from a blue card or aiming to step into a supervisory role, the Gold card shows you’re serious about your trade.

If you’ve got any questions or want help with the application process, drop a comment or reach out. And if you’re running a small business, getting your team qualified to gold level can really boost your reputation and win more contracts.

Get Specialist Tradesman Insurance from Protectivity

Health and safety is an unavoidable element of the construction industry, which is why having the right tradesman liability insurance is so important. With the everyday risks of site work, like accidents, property damage, or third-party injuries – a solid insurance policy offers essential financial protection. Many clients will also want to see proof of cover before signing a contract, so being insured helps you work professionally and with confidence.

At Protectivity, we offer affordable tradesman insurance tailored to the needs of those in the trade. Our standard policies include up to £5 million public liability cover, with optional add-ons like Employers’ Liability, Contractor Works, Plant and Tools, and more. That way, if the unexpected happens, you’re covered where it counts.

Whether you’re a builder, bricklayer, or other trades we have specific Contractors All Risk cover to suit you. Find out more when you get a quote here.

Get Tradesman Insurance from Protectivity

Last updated by

Chris Trotman

15:49:22 BST • 30 April 2025

How to start a gardening business

16 April 2025

•

10 mins read

Contributors

Mandy has been with Starpeak Insurance Solutions since 2018, starting in sales in the consumer department and mov...

Starting your own gardening business can be a rewarding and profitable venture. The gardening industry offers plenty of opportunities, whether you’re interested in providing basic lawn care or more specialised services like landscaping or garden design. In this comprehensive guide, we will walk you through the essential steps for starting your own gardening business, including costs, necessary skills, and how to find clients.

Gardening services are always in demand, whether it’s for residential properties, commercial spaces, or community projects. If you’re passionate about plants and enjoy working outdoors, starting a gardening business could be the perfect career for you. From lawn care to hedge trimming and garden design, the opportunities are endless. But how do you start a gardening business? This guide will cover everything from the basics to more advanced considerations.

Who should start a gardening business?

Before you dive in, it’s important to determine whether this is the right path for you. While starting a gardening business can be very rewarding, it’s not for everyone. Here are a few traits that make someone well-suited for the job:

A passion for outdoor work: Gardening requires spending a lot of time outdoors, so it’s important to enjoy working in all kinds of weather conditions.
Physical fitness: Gardening can be physically demanding, especially if you’re handling heavy equipment or performing tasks like digging or lifting.
Attention to detail: Successful gardeners need to have a keen eye for design and maintenance. The ability to spot small issues before they become big problems is essential.
Self-motivation: As a business owner, you’ll need to be self-driven and able to manage your time effectively.
Interpersonal skills: You’ll be working directly with clients, so good communication and customer service skills are key to building long-term relationships.

How to start your own gardening business

Getting started involves a few key steps to ensure you’re legally compliant, well-equipped, and ready to start offering services.

Research and planning

Start by researching the gardening services market in your area. Understand the demand for gardening services and identify potential competitors. Know what they offer and what sets you apart. Defining your services is a crucial next step. You can offer everything from lawn mowing and hedge trimming to more specialised services like garden design or tree surgery.

Create a business plan

A solid business plan is essential for guiding your operations. Your plan should include:

Services: What specific gardening services will you offer?
Target market: Identify your ideal customers. Are you targeting residential homes, commercial properties, or a mix of both?
Marketing strategy: How will you attract customers? Consider online marketing, word-of-mouth, and local networking.
Financial projections: Estimate the cost of starting your business, including equipment and insurance, and project your income based on your pricing.

Legal considerations

Before you can start working, you need to make sure you’re following the legal requirements. You’ll need to:

Choose a business structure (sole trader, partnership, or limited company).
Register your business with HMRC.
Apply for necessary licences or certifications. Some services, like pesticide application, require specific qualifications.

Why you should start a gardening business

There are several compelling reasons why you should consider starting your own gardening business:

High demand for services: With more people investing in their outdoor spaces, gardening services are in high demand.
Flexibility: As a business owner, you have control over your schedule. Whether you work part-time or full-time, you decide when and where to work.
Satisfaction: There’s a sense of pride in seeing your work transform an outdoor space. The impact you have on a client’s garden can be immediate and visible.
Low entry barriers: Compared to many other businesses, starting a gardening business has relatively low start-up costs and no formal qualifications are required (although they are recommended).

Cost of starting a gardening business

The cost to start a gardening business can vary depending on the services you offer and the tools you need. Here are some of the major expenses you’ll need to budget for:

Professional gardening tools

Your equipment will be your biggest initial investment. Essential tools include:

Lawnmowers: Ranging from £200 for basic models to £2,000+ for professional-grade machines.
Hedge trimmers: Typically priced between £100 and £400, depending on the quality.
Pruning shears: Can cost £20 to £150 for top-quality, professional models.
Other equipment: Shovels, rakes, pruning saws, etc., which can total £500 to £1,000.
Transport: If you need a vehicle for your tools, a used van could cost between £3,000 and £10,000.

Insurance

Public liability insurance is essential to protect your business from claims due to accidents or damage. Basic coverage starts from around £3.96 per month, with annual premiums starting from around £60 for a small business. Additional coverage like equipment cover or employer’s liability insurance will come as additional costs.

Marketing and advertising

To attract clients, you’ll need some form of marketing. Costs could include:

Website: A basic website might cost £500 to £1,500 for setup, plus around £50 to £100 per year for domain and hosting.
Business cards and flyers: Expect to spend between £50 and £200 on printed materials.
Local advertising: Placing ads or flyers in local community centres or newspapers could cost £100 to £500 for initial campaigns.

Ongoing Costs

In addition to initial start-up expenses, you’ll need to consider:

Fuel: Regular travel to job sites can add up, particularly if you’re using a van.
Maintenance: Tools and vehicles require upkeep, which can range from £100 to £500 annually.

Profitability of gardening

Gardening can be a profitable business, with the potential for steady work year-round. A small, solo gardening business can expect to earn anywhere from £20,000 to £50,000 per year, depending on the number of clients and types of services offered. Your earnings will increase as you build a client base and gain more experience. If you plan to hire employees or expand to offer additional services, the profitability can grow even further.

What skills do you need?

Running a successful gardening business requires a combination of practical skills and business acumen. Here are some key skills:

Horticultural knowledge: Understanding how plants grow, their needs, and how to care for them is fundamental to the business.
Physical strength: Gardening can be labour-intensive. The ability to work efficiently and handle heavy equipment is necessary.
Customer service: Building and maintaining good relationships with your clients will help you retain business and generate referrals.
Business management: Understanding basic business principles, such as bookkeeping, marketing, and managing cash flow, will help ensure your business is financially successful.

Qualifications and licences

Although formal qualifications aren’t strictly necessary to start a gardening business, they can help build credibility and trust with clients. Some qualifications and certifications to consider include:

Horticulture courses: Courses in horticulture or garden design will help you deepen your knowledge and increase your skills.
Pesticide application licence: If you plan to use chemical treatments, you’ll need a licence to apply pesticides legally.
Professional memberships: Joining a professional organisation like the Professional Gardeners’ Guild can increase your credibility and offer networking opportunities.

How to register a gardening business

To operate legally, you’ll need to register your gardening business with HMRC. The process varies depending on the type of business structure you choose.

Sole trader

If you plan to operate as a sole trader, the registration process is relatively straightforward. You simply need to register as self-employed with HMRC, which can be done online through the government website. As a sole trader, you’ll be responsible for keeping accurate financial records, submitting a Self Assessment tax return each year, and paying income tax and National Insurance contributions on your profits.

Limited company

If you decide to set up a limited company, the process is slightly more complex. You will need to register with Companies House and choose a unique company name that complies with government guidelines. Additionally, you must appoint at least one director, prepare a memorandum and articles of association, and register for Corporation Tax with HMRC. Running a limited company comes with extra responsibilities, such as filing annual accounts and submitting confirmation statements.

Additional considerations

Regardless of your business structure, you may also need to register for VAT if your annual turnover exceeds the VAT threshold. It’s also wise to check whether you need any specific licenses or permits, especially if you plan to use pesticides, transport plants, or dispose of garden waste professionally.

Different types of gardening services

There are many different gardening services you can offer, and you may choose to specialise in a specific area or provide a broad range of services:

Lawn care: Regular mowing, edging, and fertilising.
Landscape design: Creating new garden layouts and planting schemes.
Tree surgery: Pruning, trimming, or removing trees.
Hedge trimming: Maintaining the shape and size of hedges.
Garden maintenance: Regular care for existing gardens, such as weeding, pruning, and plant care.

Finding your customers

Building a customer base takes time, but there are many ways to find clients:

Word of mouth: Happy customers will refer you to others. Providing excellent service is the best form of advertising.
Local advertising: Place flyers in community centres, local cafes, or on bulletin boards.
Online presence: Create a professional website to showcase your services, customer reviews, and portfolio.
Social media: Platforms like Instagram and Facebook are great for showcasing before-and-after photos of your work.

Starting a gardening business can be a financially rewarding and personally fulfilling experience. By understanding the necessary steps, costs, and skills involved, you can confidently launch your business and begin cultivating success. Whether you’re offering lawn care, garden design, or tree surgery, there’s a niche for every aspiring gardener. By learning the ropes and investing in the right tools, you’ll be well on your way to building a thriving gardening business.

Get Gardeners’ Insurance from Protectivity

When you’re starting a gardening business, getting gardener’s insurance is crucial for protecting your business from potential risks and liabilities. As a gardener, you work closely with clients and their properties and accidents can happen. Whether it’s damaging a client’s property, causing injury to someone on-site, or even facing a legal claim due to a mishap, having the right insurance ensures you’re covered.

Protectivity’s gardeners’ insurance provides specialist cover for the risks you face while offering gardening services. You can choose the cover that best suits your business needs, with benefits such as public liability coverage up to £5 million as standard. Additional options include Employers’ Liability insurance, tools and equipment cover, and protection against financial loss. This ensures that if anything goes wrong, you won’t be left facing unexpected costs.

Find out more about gardeners’ insurance and get a quote online today.

Get Gardeners' Insurance from Protectivity

Get a quote

Last updated by

15:48:38 BST • 30 April 2025

How to become FENSA registered

By Bee Ingram

11 April 2025

•

7 mins read

Contributors

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

Get tradesperson insurance from Protectivity

If you are a tradesperson involved in the installation of windows and doors in the UK, becoming FENSA approved can be a valuable step for your business. FENSA (Fenestration Self-Assessment Scheme) is a government-authorised certification scheme that ensures installers comply with building regulations for window and door replacements in domestic properties. Gaining FENSA approval allows you to self-certify your work, removing the need for local authority inspections.

In this guide, we will explain what FENSA is, the benefits of becoming certified, the registration process, costs involved, and alternatives available. Whether you are an independent tradesperson or part of a larger business, this blog will help you understand everything you need to know about becoming FENSA registered.

What is FENSA?

FENSA (Fenestration Self-Assessment Scheme) is a government-backed scheme that certifies window and door installations comply with building regulations. It was established in 2002 to ensure that installers meet energy efficiency and safety standards without requiring direct local authority approval for each installation.

When a FENSA-certified installer completes a job, they can issue a certificate to the homeowner, proving that the work meets regulatory standards. This certification not only simplifies compliance for tradespeople but also reassures customers that their installation is legal and energy efficient.

Why is FENSA certification popular with tradespeople?

FENSA certification is widely recognised in the UK construction industry, making it a valuable asset for tradespeople working with windows and doors. The ability to self-certify installations saves time and money by avoiding the need for building control inspections.

Additionally, many homeowners prefer to hire FENSA-approved installers because it gives them confidence that the work will meet the required standards. Displaying the FENSA logo on marketing materials, vans, and websites can help attract more business. Many estate agents and solicitors also request FENSA certificates when selling a property, further increasing demand for certified installers.

Which trades use FENSA the most?

FENSA certification is primarily used by tradespeople involved in the installation of windows and doors in residential properties. The most common professionals who benefit from FENSA approval include:

Glaziers – Specialising in the installation and replacement of glass windows and doors.
Window and Door Installers – Independent contractors or companies fitting PVC, aluminium, and timber frames.
Conservatory fitters – Tradespeople working on conservatories that require compliant window and door installations.
Builders – Those involved in home renovations and extensions often require FENSA registration to ensure compliance.

Any professional who replaces external doors or windows in domestic properties can benefit from becoming FENSA approved.

How to register for a FENSA certificate

The process of becoming FENSA certified is straightforward but requires meeting certain standards. Below is a step-by-step guide:

Check your eligibility – Ensure your business is involved in fitting windows and doors in domestic properties.
Prepare business documents – You will need proof of trading status, relevant insurance, and examples of previous installations.
Apply online – Visit the FENSA website to complete the registration form.
Initial assessment – FENSA will inspect a sample of your work to ensure compliance with building regulations.
Pay the registration fee – Costs vary depending on the size and scope of your business.
Receive approval – Once registered, you can start issuing FENSA certificates and benefit from being listed as an approved installer.

Following these steps ensures that your business is fully compliant and can offer certified installations to customers.

How much does FENSA certification cost?

The cost of becoming FENSA approved varies depending on the size of your business and the number of installations you complete. Typically, fees include:

Initial registration fee – £267.40

Upon application, there is a one-off fee of £267.40 (excluding VAT), which includes the cost of the initial on-site assessment.

Annual membership fee – £172

The yearly registration fee is £172 (excluding VAT), charged annually on 1st January.

Inspection fees

FENSA conducts random checks on installations, which may incur additional charges.
For up to 25 installations per year: Minimum of 1 assessment costing £145.25 (excluding VAT
For 26 to 200 installations per year: Minimum of 2 assessments, totalling £290.50 (excluding VAT
For over 200 installations per year: 1% of all installations assessed, with each assessment costing £145.25 (excluding VAT

*Fees taken from FENSA website 28/3/25

Replacement certificate fees – If a homeowner requires a duplicate FENSA certificate, the cost is £25, including VAT, when ordered online.

The most up to date costs can be found on the FENSA website, but it is important to budget for both the initial registration and any ongoing expenses.

Pros and cons of becoming FENSA registered

Pros:

Legally self-certify window and door installations without needing building control inspections.
Increases credibility and reassures customers about the quality of work.
Saves time and money compared to obtaining local authority approval.
Provides marketing benefits, including the use of the FENSA logo and website listing.
Helps tradespeople comply with government regulations more efficiently.

Cons:

Registration and annual fees add to business expenses.
Initial assessment and ongoing inspections require work to meet strict standards.
Businesses must always comply with FENSA regulations, which may require adjustments to installation methods.

While there are costs and compliance requirements, many tradespeople find that the benefits of FENSA certification outweigh the drawbacks.

Tips for passing the FENSA assessment

To successfully pass the FENSA assessment and maintain certification, tradespeople should:

Ensure all installations meet Building Regulations (Part L), particularly regarding energy efficiency.
Keep records of previous jobs, including materials used and customer details, as proof of compliance.
Maintain valid business insurance and proper documentation.
Stay updated with changes to regulations and consider attending training courses to enhance knowledge.

A proactive approach to compliance will help businesses pass FENSA inspections and maintain a strong reputation in the industry.

Alternatives to FENSA

FENSA is not the only option for self-certifying window and door installations. Other alternatives include:

Certass – Another UK certification body that offers self-certification for window and door installers.
Building Control Approval – Instead of joining a certification scheme, installers can submit applications for local authority inspections, although this is often more time-consuming and costly.
TrustMark and Competent Person Schemes – Additional accreditations that offer consumer protection and credibility.

Depending on the nature of your work and business needs, an alternative certification scheme may be a better fit.

Is it easy to switch to FENSA from another scheme?

Yes, switching to FENSA from another scheme like Certass is relatively straightforward. You’ll need to apply as normal and complete a FENSA assessment, but previous certification can support your application.

Before switching, check for any notice periods or contractual obligations with your current provider. Once approved, you can start issuing FENSA certificates and use the branding in your marketing.

Many tradespeople switch to FENSA for its strong brand recognition and homeowner trust, especially as it’s often requested during property sales.

To sum up…

Becoming FENSA approved is a smart choice for tradespeople working in window and door installation. It provides a recognised certification that simplifies regulatory compliance, boosts credibility, and enhances business opportunities. While there are costs and responsibilities involved, the ability to self-certify installations makes the process more efficient and beneficial for both tradespeople and their customers.

If you are considering becoming FENSA registered, visit the official FENSA website for more information and to start your application. With the right preparation, you can gain certification and enjoy the benefits of being a trusted, compliant installer.

Secure Tradesperson Insurance from Protectivity

At Protectivity, we provide affordable tradesman insurance to cover specific scenarios commonly faced by trades. We have policies available for builders, electricians, carpenters, painters and more, just select your activity when you get a quote.

Our policies include public liability up to £5 million as standard; you then have the option to add Employers’ Liability insurance, Contractor Works cover, Plant and Tools cover, financial loss and employee tools (only if you’ve included the other benefits). That way, when unforeseen circumstances occur, you can ensure you’re protected from unexpected costs.

Find out more about our tradesman insurance and get a quote online.

Get Tradesperson Insurance from Protectivity

Last updated by

09:16:33 BST • 10 April 2025

How much do tilers make in the UK

By Bee Ingram

10 April 2025

•

10 mins read

Contributors

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

Get tiler's insurance from Protectivity

Tiling is an essential trade within the construction industry, with demand across residential, commercial, and industrial projects. Whether laying tiles in a new kitchen, refurbishing a bathroom, or working on large-scale developments, tilers play a key role in creating functional and aesthetically pleasing spaces.

If you’re considering a career in tiling or wondering how much you can earn, we’ve summarised everything from average salaries to self-employment earnings, expenses, and ways to increase your income.

What do tilers offer clients?

Tilers are responsible for installing tiles on walls, floors, and other surfaces using a range of materials, including ceramic, porcelain, natural stone, and mosaics. Their work involves precise measurements, surface preparation, adhesive application, and finishing techniques to ensure a professional and durable result.

Some tilers also specialise in complex designs, waterproofing, and heritage restoration. As tiling is required in homes, businesses, hotels, swimming pools, and more, skilled tilers often enjoy consistent demand for their services.

Are tilers in demand in the UK?

Yes, tilers are in steady demand across the UK, driven by ongoing growth in both the construction and home improvement sectors. From new-build housing developments to renovations, extensions, and commercial fitouts, tiling is a vital finishing trade that remains essential to many types of projects.

Homeowners continue to invest in bathroom and kitchen refurbishments—two areas where professional tiling is crucial for quality, waterproofing, and style. At the same time, developers and contractors require skilled tilers for large-scale residential and commercial projects, including hotels, restaurants, offices, and retail spaces.

There’s also a growing appetite for more complex and design-led tiling work, including large-format tiles, underfloor heating systems, and luxury finishes. This has created opportunities for skilled and experienced tilers to carve out niches and charge premium rates.

With a shortage of skilled tradespeople in some parts of the country, particularly in the Southeast and major urban centres, tilers with strong workmanship and reliability often find themselves with a steady stream of enquiries. The demand is especially high for those who can deliver both functional results and a high-end finish.

Typical career pathway for a tiler

The journey to becoming a professional tiler usually follows a hands-on, skills-based route, often starting with formal training and progressing through practical experience. Here’s an outline of a typical career path:

1. Entry via Apprenticeship or College Course

Most tilers begin their careers through an apprenticeship or a college course in wall and floor tiling. These programmes teach essential skills such as surface preparation, tile cutting, adhesive use, and finishing techniques. Apprenticeships combine classroom learning with real-world experience, typically lasting 2–3 years.

Relevant qualifications include:
- Level 2 or 3 Diploma in Wall and Floor Tiling
- NVQ (National Vocational Qualification) in Tiling

2. Junior or Assistant Tiler

After completing initial training, many tilers start as assistants, working under experienced professionals. This stage allows them to refine their skills, learn how to manage job sites, and gain confidence working independently.

3. Qualified Tiler

Once fully trained, tilers can work independently or as part of a team. They may be employed by building firms, contractors, or specialist tiling companies. At this stage, tilers can take on a wide range of residential and commercial projects and begin to build a portfolio of completed work.

4. Experienced or Specialist Tiler

With several years of experience, tilers often choose to specialise in high-end or technical areas such as:

Natural stone or large-format tiles
Wet rooms and underfloor heating
Heritage tiling and restoration
Commercial or industrial tiling

They may also pursue further qualifications or join trade associations like The Tile Association (TTA) to enhance credibility.

5. Self-employment or business ownership

Many tilers go on to become self-employed, setting up their own business or working as subcontractors. This offers greater control over projects, schedules, and income potential. Some eventually employ other tilers or apprentices, growing their business into a larger operation.

What is the average salary for a Tiler in the UK?

According to recent job market data, salaried tilers typically earn between £25,000 and £35,000 per year. Although, the average salary for a tiler in the UK does vary depending on experience, location, and employment type.

High-demand areas such as London and the Southeast, earnings can be higher. Self-employed tilers, who set their own rates, often have the potential to earn more, depending on the number of jobs they take on.

Average tilers’ salary at different experience levels

Entry-Level Tilers

Those starting out, often through apprenticeships, can expect to earn £18,000–£22,000 per year. Apprentices usually earn a lower wage initially, but earnings increase as skills develop.

An employer cannot pay you below the minimum wage, which, from April 2025, is £7.55 per hour for an apprentice and £12.21per hour for someone over 21 years.

Mid-Career Tilers

With a few years of experience, tilers can earn between £25,000 and £30,000 annually. At this stage, many professionals build a solid client base or move into specialist areas. You are also more likely to be developing more specialist skills that will help to increase your earning potential.

Experienced Tilers:

Those with 10+ years of experience, especially those running their own business or specialising in high-end projects, can earn £40,000+ per year, with some exceeding £50,000.

How much do self-employed tilers make?

Self-employed tilers have the potential to earn more than those in salaried positions, but their income depends on factors like workload, location, and business expenses. Many charge between £150–£250 per day, meaning annual earnings can range from £30,000 to £60,000+, depending on the number of jobs completed.

However, self-employment comes with additional responsibilities, such as sourcing work, managing finances, and covering business costs. These costs have to be taken into account when calculating earnings, although it’s useful to know expenses you can claim for as a tradesperson.

Costs and expenses for tilers

While self-employment can be lucrative, it’s important to factor in business expenses that affect overall profitability. These include both the ongoing costs of running a tiling business and the investment in maintaining or improving skills.

Tools and Equipment

Tilers need a range of essential tools, such as tile cutters, mixing drills, adhesive trowels, levelling systems, and protective gear. Replacing or upgrading tools over time is an additional cost to consider.

Transport and Fuel

Travelling to and from job sites can be a significant expense, especially for those covering large regions or working in rural areas.

Insurance

Public liability insurance is crucial to protect against accidents or damage while on site. Employers’ liability insurance may also be needed if hiring others.

Marketing and Business Costs

To stay competitive, self-employed tilers often invest in marketing, including a professional website, social media advertising, branding, and listing fees on lead-generation platforms like Checkatrade or Rated People.

Qualifications and Training

While many tilers begin with formal training, keeping skills up to date—or branching into specialisms—often involves ongoing costs. This might include advanced tiling courses, health and safety certifications (like CSCS cards), or learning new techniques and materials to meet market demand.

After covering these expenses, take-home earnings may be lower than headline rates suggest, particularly in the early stages of self-employment. Careful budgeting and reinvesting in tools and training can help tilers grow their business and income over time.

How to increase earnings as a Tiler

Tilers looking to maximise their income can consider the following strategies:

Improve skills and gain certifications: Investing in advanced tiling courses or waterproofing certifications can lead to higher-paying jobs.
Specialise in niche areas: Focusing on high-end tiling, underfloor heating installations, or large-format tiles can command premium rates.
Build a strong reputation: Positive customer reviews and word-of-mouth recommendations can lead to consistent work.
Utilise online platforms: Advertising on social media, Google My Business, or trade directories can attract new clients.
Offer additional services: Providing related services like grout restoration, silicone sealing, or tile repair can boost income.

Which specialist tilers make the most?

Tilers who specialise in certain areas can often command higher fees. Some lucrative specialisms include:

Luxury and large-format tiles: These require advanced skills and are often used in high-end properties.
Wet rooms and waterproofing: A growing market, particularly in modern bathroom designs.
Commercial and industrial tiling: Working on hotels, restaurants, and offices often brings larger contracts.
Restoration and heritage tiling: Preserving and restoring historical properties can be highly rewarding and well-paid.

Other factors affecting earnings

Several external factors can influence how much a tiler earns:

Location: Tilers in cities like London often charge higher rates due to demand and living costs.

Economic conditions: The construction industry fluctuates, affecting job availability.

Seasonal demand: Some tilers find work slows down in winter, especially for outdoor projects.

Trade Associations & Networking: Joining professional organisations like The Tile Association (TTA) can lead to better opportunities and higher rates.

In summary

Tiling can be a rewarding career with good earning potential, particularly for those who develop specialised skills and consider self-employment. While salaries vary depending on experience and location, tilers who build a strong reputation, manage their expenses well, and focus on high-value projects can achieve a comfortable income. Whether you’re starting out or looking to boost your earnings, the key to success in tiling is a combination of skill, professionalism, and smart business strategies.

Get Tiler’s Insurance from Protectivity

If you’re working for an employer, then you’ll normally be covered by whatever insurance provision they have in place. But if you’re working on a self-employed basis or running your own tiling 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 liability insurance is essential. We also offer tools insurance from just £8.98 a month.

At Protectivity, we specialise in providing tilers insurance to trades people just like you. Choose the type of cover that best meets the needs of your business, with a range of benefits. 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.

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

Get Tiler's Insurance from Protectivity

*All rates listed are approximate, so it is suggested you do your research and consider what is most applicable to your own situation before setting prices.

Last updated by

11:38:43 BST • 23 April 2025

Hiring staff as a sole trader

26 March 2025

•

11 mins read

Contributors

Mandy has been with Starpeak Insurance Solutions since 2018, starting in sales in the consumer department and mov...

Get small business insurance from Protectivity

As a sole trader, you might think that hiring employees is out of reach. However, sole traders can hire people, just like other larger businesses. This guide explores who you may hire and the process of hiring people as a sole trader. We’ll also cover key considerations and legal obligations you must meet when bringing on staff. With the right approach, hiring employees can help scale your business and free up time for you to focus on the bigger picture.

What is a sole trader?

A sole trader is a self-employed individual who owns and operates a business. This structure is the simplest and most common form of business. As a sole trader, you are personally responsible for all aspects of the business, including debts and legal obligations. While it may seem daunting to hire staff as a sole trader, many successful businesses start this way. As your business grows, hiring employees or contractors can help you manage tasks, increase productivity, and expand your services.

Can a sole trader hire employees?

Yes, a sole trader can hire employees. While you are the sole owner, you can employ casual workers, full-time staff, or hire self-employed contractors to support your business operations. However, you must adhere to employment laws and regulations, including tax obligations and worker rights. Hiring employees means taking on additional responsibilities, but it can also open up new opportunities for your business. It’s essential to ensure you are compliant with legal requirements, such as PAYE (Pay As You Earn) tax systems, pension schemes, and other benefits that employees are entitled to.

If you’re interested in hiring self-employed staff, you can read more about the process in our guide on how to hire self-employed staff.

What to consider before hiring someone

Legal obligations

Before hiring anyone, make sure you fully understand your legal obligations as an employer. This includes responsibilities for taxes, national insurance, and providing a safe and fair working environment. Failing to meet these obligations can lead to fines and legal issues.

Budget and payroll management

Hiring employees comes with significant financial commitment. You’ll need to consider wages, taxes, and potential benefits such as sick pay, holiday pay, and pensions. Before hiring, ensure your business can afford to pay salaries regularly and manage the financial impact of staffing. For a clearer understanding of the potential costs involved in hiring an employee, check out our guide on the cost of employing someone.

Job description and recruitment process

Clearly defining the roles and responsibilities of any position will not only help attract the right candidates but also ensure that both you and the employee have clear expectations. The recruitment process should be efficient and transparent, and it’s important to think about how you will train and support your new staff.

Finding good employees

It’s essential to attract the right talent to your business. Building relationships in your industry, networking at business events, and using online platforms can help you find skilled candidates who align with your business needs.

Who might a sole trader hire?

Casual workers

These are temporary or part-time employees who assist in managing workload during busy periods. For example, a retail shop owner might hire extra staff during peak holiday seasons or a catering business might bring on additional servers for a large event. Casual workers offer flexibility, but it’s essential to comply with employment laws regarding pay, working hours, and benefits.

Self-employed labourers or contractors

These are independent professionals who provide specialised services without becoming full-time staff. For instance, a sole trader in construction might hire an electrician or plumber for specific tasks. This approach allows access to expertise without the long-term financial commitment of full-time employment. However, it’s important to establish clear contracts outlining the scope of work and payment terms.

Administrative support

Hiring an office assistant or virtual assistant can help with day-to-day tasks such as managing schedules, responding to customer enquiries, handling bookkeeping, and managing social media accounts. This support can free up your time to focus on core business activities and improve overall productivity.

Specialised professionals

Engaging experts like accountants, marketers, or IT specialists can be crucial for business growth. An accountant can manage your taxes and financial records, a marketing expert can help with advertising and customer outreach, and an IT professional can handle website management and technical support. These professionals can be hired on a freelance basis or for specific projects, depending on your business needs.

Pros and cons of hiring employees as a sole trader

Hiring employees as a sole trader can help you scale your business, but it comes with its advantages and challenges. It’s important to carefully consider both sides before making the decision.

Pros of hiring employees

Increased productivity: Delegating tasks allows you to focus on growing your business and handling higher workloads.
Ability to take on more clients: With additional staff, you can expand your business by taking on more projects or offering additional services.
Improved reputation: Having employees can give your business a more professional image, which can boost customer trust and attract larger clients.
Better work-life balance: With employees handling the day-to-day, you’ll have more personal time and avoid burnout.
Access to specialised skills: Employees can bring in expertise you may not have, such as marketing, accounting, or technical skills, which can improve overall efficiency.

Cons of hiring employees

Increased costs: Wages, taxes, and benefits can significantly affect your business finances.
Legal responsibilities: You’ll need to comply with employment laws, which may involve contracts, tax filings, and insurance.
Management and training: You’ll need to invest time in training employees and managing their work, which can take away from other tasks.
Risk of poor hires: A bad hire can result in wasted time, money, and productivity, so finding the right person is crucial.
Less flexibility: With employees, you may have to accommodate schedules, holidays, and other factors that can limit your flexibility.

How to Find Good Employees

Network within your industry: Attend events and join professional groups.
Leverage online platforms: Use websites like Indeed or LinkedIn.
Referrals and recommendations: Ask existing contacts for recommendations.
Offer competitive benefits: Provide incentives to attract top talent, such as flexible hours, career development opportunities, and performance bonuses.

How to hire casual workers and the typical recruitment process

Casual workers are employed on a flexible, non-permanent basis. Here’s how to hire them:

Identify your needs: Determine the type of work, required skills, and duration of employment. Assess whether you need additional help for seasonal peaks, special projects, or occasional support.
Advertise the position: Use job platforms such as Indeed, community boards, or social media groups to reach potential candidates. Consider word-of-mouth referrals and local job fairs for better outreach.
Screen applicants: Review applications, conduct interviews, and verify references. Ensure that the candidate has the necessary experience and a good cultural fit for your business.
Set terms of employment: Clearly outline working hours, pay rates, and job responsibilities. Specify the duration of employment and any conditions related to termination or extensions.
Ensure legal compliance: Check the worker’s right to work, and meet minimum wage requirements. Provide a written agreement or contract that protects both parties.
Manage payroll and taxes: Register with the tax authority, if necessary, handle tax deductions, and provide payslips. Ensure compliance with any national insurance contributions or pension schemes.
Onboarding and training: Introduce the employee to your business operations and provide any necessary training.
Monitor performance: Provide feedback and support to help casual workers perform efficiently. Maintain proper records of working hours and wages.

How to register as an employer

If you decide to hire employees, you must register as an employer with the relevant tax authority. For instance, in the UK, you would register with HM Revenue & Customs (HMRC).

Steps to register as an employer:

Register with the tax authority: This typically involves providing your business details and employee information.
Set up payroll: To handle employee wages, taxes, and National Insurance contributions.
Obtain employer liability insurance: Protect yourself against claims from employees.
Adhere to employment laws: Ensure compliance with minimum wage laws, working hours, and employee rights.

Technology and tools for managing a team

Payroll software: Tools like QuickBooks or Xero to manage employee wages and tax deductions.
Project management platforms: Trello or Asana for tracking progress and collaborating with contractors.
Communication tools: Slack or Microsoft Teams for seamless team communication.
Time tracking software: Apps like Clockify or Toggl for monitoring working hours and productivity.

Post-hiring strategies

After hiring employees, it’s crucial to set them up for success and foster a positive work environment. Start with a solid onboarding process, where you introduce them to your company culture, explain their role, and provide any necessary training. This helps them feel confident and integrated into the team from day one.

Clear communication about expectations and responsibilities is key. Make sure they understand their goals, and check in regularly to offer support and feedback. Recognising their achievements and providing constructive feedback will help keep them motivated and engaged.

Investing in ongoing development opportunities, such as training or cross-skilling, can help employees grow professionally while contributing to your business’s success. Lastly, creating a positive, supportive work environment encourages employee satisfaction and loyalty, which is essential as your business grows.

Typical examples

Catering business

A sole trader running a catering business hires casual staff for large events, such as weddings or corporate functions, to handle busy periods without the need for permanent employees.

Crafting business

A handmade jewellery maker hires a part-time assistant to help with packaging and order management, and contracts additional crafters during peak seasons like the holidays.

Tradesman

A plumber hires self-employed subcontractors, such as electricians, to help with larger projects or during busy times, allowing for flexibility and expanded services.

Personal trainer

A personal trainer hires additional trainers on a casual basis to manage increased demand during peak seasons, like New Year’s resolution time, or to assist with group classes.

Dog walker

A dog walker hires part-time workers to assist with walking multiple dogs during busy hours, ensuring that the business can handle more clients and larger areas without hiring full-time staff.

To round up

Hiring as a sole trader is entirely possible and can help grow your business. By understanding the legal requirements, identifying the right candidates, and managing payroll effectively, you can build a strong team to support your business goals. Whether you’re looking to hire casual workers or self-employed contractors, following a typical recruitment process will help you find and retain good employees. Expanding your team can be a game-changer for your business, and with the right approach, you can ensure that you hire the best talent to help you succeed.

Get Small Business Insurance from Protectivity

If your business is expanding and you’re bringing new employees on board, it’s essential to consider all the associated costs, including insurance. Ensuring compliance with employment laws and regulations is crucial, and having Employers’ Liability insurance is a legal requirement if you hire staff.

Protectivity’s small business insurance is designed to safeguard your business as it grows. Public Liability insurance is included as standard, protecting you against claims from third parties for injuries or property damage. Additionally, optional Employers’ Liability ensures you’re protected should an employee suffer an injury or illness related to their work.

No matter what type of business you run, having the right insurance in place is key to long-term success. Protectivity offers tailored small business insurance with flexible options, including equipment cover and industry specific add-ons.

Find out more and get a quick quote today to ensure your business, and your team, are fully protected.

Get Small Business Insurance from Protectivity

Last updated by

10:25:30 GMT • 27 March 2025

Expenses you can claim for as a tradesman

20 March 2025

•

8 mins read

Contributors

Mandy has been with Starpeak Insurance Solutions since 2018, starting in sales in the consumer department and mov...

Get tradesman insurance from Protectivity

As a tradesperson, running your business means facing various expenses, from tools and transport to insurance and marketing. But how do you know what counts as a business expense? Understanding what you can and can’t claim on your tax return ensures you don’t pay more than necessary. This guide breaks down the key expenses you can claim that could help reduce your tax bill and keep your business financially healthy.

What expenses does a tradesman face?

Tradespeople, whether self-employed or working for a limited company, face various costs to keep their businesses running smoothly. Essential expenses include tools and equipment, work clothing, travel and vehicle costs, insurance, and marketing. Many also pay for training to maintain their skills, rent for premises or workshops, and fees for professional memberships. Some tradespeople may need to hire subcontractors, which adds to overall business costs. Understanding these common expenses is crucial for managing finances and ensuring all allowable deductions are claimed.

What can I claim as work expenses?

If an expense is wholly and exclusively for business purposes, it is usually tax-deductible. Here are some of the key expenses you can claim:

Mileage and Accommodation

If you travel for work (e.g. to job sites or training courses), you can claim:

Mileage at HMRC’s approved rates (currently 45p per mile for the first 10,000 miles and 25p thereafter)
Public transport costs
Hotel accommodation for overnight stays related to work

Tools and Equipment

You can claim for:

Hand tools and power tools used in your trade
Repairs and replacements of work equipment
Safety gear such as gloves and helmets

Uniform and Protective Clothing

Branded workwear (e.g. embroidered company uniforms)
Protective clothing like steel-toe boots and high-visibility jackets

Premises Rent and Utility Bills

If you rent a workshop or office, you can claim rent and utility bills
If you work from home, a portion of your household bills may be deductible

Vehicle Expenses

Fuel, servicing, and maintenance
Road tax and insurance
Lease or loan payments for a work vehicle
Parking and toll fees

Training and Development

Courses to improve your trade skills (e.g. new certifications)
Health and safety training
Industry qualifications

Insurance Premiums

Public liability insurance
Employers’ liability insurance (if you employ staff)
Tool insurance
Contractors all risk insurance

Marketing and Advertising

Website development and hosting costs
Business cards and flyers
Online advertising (Google Ads, social media promotions)
Signwriting for work vehicles

Professional Fees and Memberships

Trade association memberships
Union subscriptions
Accountant fees

Subcontractor Costs

Payments to subcontractors for work completed
Costs associated with hiring temporary labour

What can’t I claim as work expenses?

While many expenses are claimable, there are certain things you can’t include:

Personal expenses – This includes costs such as meals unless you are travelling specifically for work. Everyday personal expenditures that do not directly relate to your business operations cannot be claimed.
Everyday clothing – Even if you wear certain clothing for work, it cannot be claimed as a business expense unless it qualifies as protective gear required for your job. Standard work attire, such as trousers, shirts, or shoes, does not fall under allowable expenses.
Fines or penalties – Any fines or penalties incurred, such as speeding tickets or parking fines, are not considered legitimate business expenses. These costs are personal liabilities and cannot be deducted.
Home office costs unrelated to business – While some home office expenses may be eligible for deductions, general costs like full rent or mortgage payments do not qualify. Only the portion of your household expenses that is directly attributable to business use can be claimed.
Client entertainment costs – Expenses related to entertaining clients, such as dining out, event tickets, or hospitality costs, are not tax-deductible. While they may be beneficial for maintaining client relationships, they are considered discretionary expenses rather than essential business costs.

Why it’s important to claim expenses back

Claiming allowable expenses is a smart way to reduce your taxable profit, which means you should end up paying less tax. By keeping accurate records of your expenses, you can avoid the risk of overpaying, and make sure you’re not missing out on any deductions that could boost your earnings. Staying on top of your expenses also helps you stay on the right side of HMRC regulations, so you won’t run into any issues down the line. Plus, having a clear picture of your business finances makes it easier to see where you’re at, helping you make better decisions for the future. It’s all about working smarter, not harder!

Tips for managing your expenses

Managing your expenses properly makes claiming them a lot easier and ensures you stay on top of your finances. Here are a few tips to help keep everything running smoothly:

Keep receipts and invoices – Store receipts and invoices digitally for easy access and reference, especially at tax time.
Consider using an accountant – A professional accountant can help you manage expenses, ensure compliance, and maximise your allowable claims. Find out more here about using an accountant.
Use accounting software – Tools like QuickBooks or Xero help track and organise expenses automatically, saving you time.
Separate personal and business expenses – Use a dedicated business account to keep personal and business transactions separate.
Log mileage accurately – Use a mileage tracking app to ensure accurate claims for business-related driving.
Stay up to date with HMRC rules – Keep an eye on changing tax laws to avoid missing deductions or facing penalties.

Hopefully these tips have given you ideas to make the process of claiming expenses more straightforward, leaving you with more time to focus on your business.

Common questions

What expenses can I claim as a self-employed bricklayer?

Work tools, safety gear, work vehicle costs, training and certification fees, subcontractor payments and more

What expenses can a joiner claim?

Joiners can claim similar expenses, including:

Carpentry tools, wood and materials for jobs, protective workwear, workshop rent and utility bills, insurance for tools and liability and more

What happens if I mix personal and business expenses?

Mixing personal and business expenses can cause problems when claiming deductions and can lead to issues with HMRC. It’s best to keep your personal and business expenses separate by using a dedicated business bank account and credit card.

Do I need to keep receipts for everything?

Yes, keeping receipts for all your business expenses is important for record-keeping and for proving your claims if HMRC ever asks for them. Digital copies can be useful and easy to store.

Can I claim for training and certifications specific to my trade?

Yes, if you take courses, attend workshops, or acquire certifications related to your trade, these costs can be deducted as business expenses. These types of professional development expenses are often considered necessary to stay compliant and improve your skills.

Finally…

Understanding what expenses you can claim is essential to managing your finances efficiently as a tradesperson. Keeping detailed records and making legitimate expense claims can significantly reduce your tax bill, allowing you to reinvest in your business. If you’re unsure about what you can claim, consider consulting an accountant to ensure you’re making the most of your deductions while staying compliant with HMRC rules.

Get Tradesman Insurance from Protectivity

Managing your expenses is crucial, and we’ve provided an overview of what you can and can’t claim. By taking control of your expenses, this can help to save you money but what about the things you can’t control? That’s why having the right insurance is essential, to safeguard you from financial setbacks when the unexpected happens.

At Protectivity, we offer affordable tradesman insurance designed to cover common industry risks. Our policies include Public Liability up to £5 million as standard, with optional add-ons such as Contractor Works cover, Plant and Tools cover, Financial Loss, and Employee Tools (available when selecting other benefits). This ensures you’re protected from unforeseen costs when challenges arise.

Whether you’re a carpenter, electrician, painter, builder, handyman, or another tradesperson, take just two minutes today to explore our trades insurance options.

Get Tradesman Insurance from Protectivity

Last updated by

14:16:38 GMT • 26 March 2025

The Competent Persons Scheme (CPS) in the UK

By Bee Ingram

20 March 2025

•

9 mins read

Contributors

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

Get tradesman insurance from Protectivity

If you’re a tradesperson in the UK, you’ve probably heard of the Competent Person Scheme (CPS). But what exactly is it, and why should you consider joining one? For most trades, if you’re an electrician, plumber, gas engineer, or window installer, being part of a recognised scheme can save you time, money, and hassle when it comes to meeting Building Regulations.

We’ve provided a breakdown of everything you need to know about Competent Person Schemes: what they are, the different schemes available, the pros and cons of joining, and how to register. Start thinking about what works for you.

What is the Competent Person Scheme (CPS)?

The Competent Person Scheme (CPS) is a government-approved initiative that allows qualified tradespeople to self-certify that their work complies with Building Regulations. This means you don’t need to go through local authority Building Control, which can be costly and time-consuming. However, it does mean you take on the responsibility for complying with regulations and bear the penalties if you fail to do this correctly.

CPS applies to various types of work, such as electrical installations, plumbing, heating, and glazing. It’s designed to ensure that work meets the required safety and quality standards while reducing unnecessary bureaucracy for skilled professionals.Competent Person Schemes are available in England and Wales. In Scotland and Northern Ireland, different certification schemes apply, so make sure you check local requirements if you work across borders.

List of Competent Person Schemes in the UK

There are several government-approved schemes in the UK, each catering to different trades. Below is a list of some of the most recognised ones:

NICEIC – National Inspection Council for Electrical Installation Contracting
NAPIT – National Association of Professional Inspectors and Testers
FENSA – Fenestration Self-Assessment Scheme
CERTASS – Certification and Self Assessment
MCS – Microgeneration Certification Scheme – for solar, heat pumps, etc.
Stroma Certification

Each scheme has its own set of criteria and application process, so it’s essential to pick one that best suits your trade and business needs.

Why join a Competent Person Scheme? (Pros & Cons)

Pros of joining a CPS

Legal Compliance

A CPS helps ensure that work complies with Building Regulations without the need for local authority approval, saving time and effort.
Particularly crucial for trades such as electrical work (Part P), plumbing, heating installations (Gas Safe), and window/door installations (FENSA).
Reduces the risk of non-compliance fines or enforcement action, which could result in costly remedial work or legal trouble.

Customer Trust & Credibility

Many homeowners and businesses prefer hiring registered tradespeople because it provides assurance that the work meets industry standards.
Having a CPS registration can set you apart from non-registered competitors, leading to increased client confidence and potential referrals.
Some industries, like gas and electrical work, require compliance schemes by law, making it a critical factor in customer decision-making.

Saves Time & Money

Local authority inspections can be costly and time-consuming. A CPS allows tradespeople to self-certify their work, reducing delays.
Avoids additional paperwork and administration associated with local Building Control applications.
Particularly beneficial for trades that perform frequent installations, such as boiler engineers, electricians, and double-glazing installers.

More Work Opportunities

Some contracts, particularly for commercial and new-build projects, require CPS registration as a prerequisite.
Larger construction companies and property developers often prefer working with CPS-registered contractors to simplify compliance.
Public sector projects or insurance-related work may require CPS accreditation for eligibility.

Insurance & Protection

Many CPS memberships include benefits such as insurance-backed warranties or guarantees for customers.
This can be a major selling point for potential clients, offering peace of mind regarding workmanship and durability.
Some schemes provide dispute resolution services, which can be useful for resolving client disagreements efficiently.

Cons of joining a CPS

Membership Fees

Most schemes require an annual membership fee, which can be a significant cost for small businesses or sole traders.
Additional expenses may include assessment fees, ongoing training costs, and renewal charges.
Trades with lower work volumes, such as self-employed carpenters or decorators, may not find the cost justified.

Compliance Checks & Audits

Registered tradespeople must undergo periodic inspections and audits to ensure work meets the required standards.
Non-compliance or poor-quality work could result in warnings, suspension, or removal from the scheme.
This is particularly relevant for trades where safety is critical, such as gas engineers and electricians, who must meet stringent regulations.

Not Always Mandatory

Some trades do not require CPS registration, making it an optional rather than essential expense.
In cases where work does not fall under regulated Building Regulations, businesses might opt to work without a CPS and rely on local Building Control instead.
For decorators, tilers, and general handymen, a CPS may not provide significant advantages unless they are working on larger projects.

How to register with a Competent Person Scheme

If you’ve decided that joining a CPS is the right move for your business, here’s a step-by-step checklist on how to register:

Step 1: Check Your Eligibility

Before applying, make sure you have the necessary qualifications, experience, and insurance. Most schemes require proof of competency and previous work.

Step 2: Choose the Right Scheme

Select the scheme that fits your trade. For example, if you’re an electrician, look at NICEIC or NAPIT.

Step 3: Complete the Application

Most schemes have an online application process. You’ll typically need to provide details of your qualifications, business information, and proof of work.

Step 4: Undergo an Assessment

Many schemes require an on-site inspection where an assessor reviews your work to ensure it meets the required standards.

Step 5: Get Approved & Start Certifying

Once approved, you’ll receive your CPS registration number and can start self-certifying work.

Step 6: Maintain Compliance

Some schemes require ongoing training, CPD (Continuing Professional Development), and periodic inspections to ensure you continue meeting standards

Differences between schemes for different trades

Not all CPS schemes operate in the same way. For high-risk industries such as electrical, gas, and structural work, CPS registration is often essential for legal and safety reasons. For lower-risk trades, the decision should be based on the specific business model, work volume, and target clientele.

Understanding these factors can help tradespeople determine whether CPS membership aligns with their professional goals and business needs. Here’s a quick look at how requirements can differ depending on your trade:

Electricians – Must comply with Part P of the Building Regulations, ensuring electrical safety in domestic installations. Certification is required for any new electrical installations or major modifications.

Gas Engineers – Must be Gas Safe Registered, which is a legal requirement to work on gas appliances safely. This includes boiler installations, gas pipework, and other gas-related works.

Window Installers – Must ensure compliance with Part L (energy efficiency regulations), ensuring correct thermal performance for new installations. Schemes such as FENSA and CERTASS provide certification.

Builders – May require registration with multiple CPS schemes depending on the type of work they undertake. Compliance with Part A (structural safety), Part B (fire safety), Part C (moisture protection), and Part L (energy efficiency) may be necessary. Builders involved in loft conversions or extensions may need a CPS for structural alterations.

Renewable Energy Installers – Those installing solar panels, heat pumps, or other renewable systems may need to be registered under MCS (Microgeneration Certification Scheme) to meet industry standards and access government incentives.

It’s worth noting that if you work across multiple trades, you may need to register with more than one scheme.

Other considerations on a Competent Person Scheme

Before registering onto a scheme, you might want to consider the following:

Insurance Requirements

Many schemes require Public Liability Insurance, which protects against claims for injuries or property damage.
In some cases, Professional Indemnity Insurance is necessary, particularly for trades offering design or advisory services.
Some CPS schemes include insurance-backed warranties, providing extra reassurance for customers.

Competency & Training

Some schemes require you to prove ongoing professional development (CPD), ensuring that your skills remain up to date.
Certifications, refresher courses, and industry accreditations may be necessary for renewal of membership.
Trades like electrical work, gas engineering, and renewable energy installations often have mandatory competency assessments.

Government Incentives & Grants

Some CPS registrations, like MCS (Microgeneration Certification Scheme), allow you to offer customers access to grants or funding.
Programs such as the Boiler Upgrade Scheme (BUS) provide financial incentives for homeowners installing renewable heating systems.
Being part of a CPS can improve marketability, as customers often prefer contractors who can help them access funding or meet compliance requirements for grants.

Alternatives to CPS

If you don’t want to register, you can still complete work, but you may need to notify and pay for building control approval, which can be more expensive and time-consuming.

Joining a Competent Person Scheme can be a game-changer for tradespeople. It streamlines compliance with building regulations, saves money on inspections, and boosts customer confidence in your work.

However, it’s essential to choose the right scheme for your trade and business. Weigh up the pros and cons, check the eligibility criteria, and make sure it aligns with your long-term goals.

If you’re ready to take the next step, research your trade’s CPS options, apply, and start enjoying the benefits of self-certification!

Secure specialist tradesperson insurance from Protectivity

Find out more about our tradesman insurance and get a quote online.

Get Tradesman Insurance from Protectivity

Last updated by

09:04:21 GMT • 28 March 2025

How much can Carpenters and Joiners earn?

11 March 2025

•

8 mins read

Contributors

Mandy has been with Starpeak Insurance Solutions since 2018, starting in sales in the consumer department and mov...

Get carpenter insurance from Protectivity

Carpentry and joinery are two of the most important trades in the construction industry. While they both involve working with wood, the roles and responsibilities of carpenters and joiners are distinct. If you’re considering a career in these trades, understanding what each profession entails, as well as how much you can expect to earn and how to boost your income, is key to making informed career decisions.

In this blog, we’ll explore the typical salaries of carpenters and joiners in the UK based on experience, location, qualifications and much more. We’ll also touch on which types of carpenters get paid the most, and provide tips on how to earn more in these professions.

Carpenter vs Joiner

Carpenter

Carpenters primarily work on construction sites, focusing on building and installing structural elements such as frameworks, roofs, floors, staircases, doors, and windows. They handle both rough carpentry, like constructing frames for buildings, and finished carpentry, which involves installing elements such as doors and windows. Carpenters also modify components to fit specific measurements during the construction process. Their work is essential to the physical construction of a building, often collaborating with other tradespeople to ensure the structure is sound and functional.

In contrast, joiners typically work in a workshop environment, specialising in crafting detailed wooden items like doors, window frames, cabinetry, and furniture. Their work focuses on precision and fine woodworking techniques, using hand tools and machinery to create intricate, custom pieces. These components are then transported to construction sites for installation. While joiners don’t typically engage in on-site construction, their craftsmanship plays a key role in enhancing the functionality and aesthetic quality of a building’s interior.

You can find out more here about what the key differences between a carpenter and joiner are.

Which carpenters get paid the most?

While both carpenters and joiners can earn good money, there are certain specialisations within the carpentry profession that command higher wages.

Formwork carpenters:

Formwork carpenters specialise in creating moulds for concrete in large-scale projects like bridges and high-rise buildings. Due to the technical skills required, they are in high demand and often earn higher rates than standard carpenters. In the UK, formwork carpenters typically earn between £30,000 and £45,000 annually, with entry-level salaries around £25,000 to £30,000. Those with more experience can earn £30,000 to £40,000, while experienced carpenters can make £40,000 to £50,000 or more, particularly in high-demand areas.

Shopfitters:

Shopfitter carpenters specialise in designing and installing interiors for commercial spaces like shops, restaurants, and offices, often earning premium rates due to the bespoke nature of their work. In the UK, shopfitter carpenters typically earn between £28,000 and £40,000 annually, depending on experience and location. Entry-level shopfitters earn around £24,000 to £28,000, while those with a few years of experience can earn £30,000 to £35,000. Experienced shopfitters can make £35,000 to £40,000 or more, especially on larger projects or in cities with high demand.

Self-employed carpenters:

As a self-employed carpenter, you have the potential to earn more by setting your own rates and taking on multiple projects. Daily rates for self-employed carpenters in the UK typically range from £150 to £400, depending on the type of work and experience level. This can translate to an annual income of £30,000 to £50,000, although it varies based on the amount of work, full-time or part-time status, and location. It’s important to note that self-employed carpenters must cover costs like tools, insurance, and taxes.

Typical salary for a Carpenter and a Joiner in the UK

The salaries for both carpenters and joiners vary based on factors like experience, location, and whether you’re self-employed or working for a company. Below is a breakdown of typical salary ranges:

Carpenter’s Salary

Carpenter Salary Average: Entry-level carpenters can expect to earn around £17,000 – £22,000 per year, with experienced professionals earning between £28,000 – £55,000 annually. Let’s break it down further.

Entry Level – A carpenter with 0-2 years of experience can expect to earn between £20,000 and £25,000 annually.
Mid-Level – Carpenters with 2-5 years of experience typically earn between £25,000 and £35,000 per year.
Experienced – Those with over 5 years of experience can expect to earn between £35,000 and £45,000 annually.
Specialist – Highly experienced or specialist carpenters can earn between £45,000 and £55,000 a year.
Hourly Rate – For ad-hoc work, carpenters generally earn around £17 per hour.

Joiner’s Salary

Average income for a joiner: Like carpenters, joiners working for a company can expect an annual salary ranging from £17,000 – £55,000, with self-employed joiners earning higher amounts due to the ability to set their own rates.

Entry Level – A joiner with 0-2 years of experience can expect to earn between £17,000 and £25,000 annually.
Mid-Level – Joiners with 2-5 years of experience typically earn between £25,000 and £35,000 per year.
Experienced – Those with over 5 years of experience can expect to earn between £35,000 and £45,000 annually.
Specialist – Highly experienced or specialist joiners can earn between £45,000 and £55,000 a year.
Hourly Rate – For ad-hoc work, joiners generally earn around £18 per hour.

While the roles have similarities in terms of woodworking expertise, carpenters often earn slightly higher salaries due to the physical, on-site nature of their work, which may require more specialised skills and the ability to manage large projects.

Ways to earn more as a Carpenter or Joiner

Whether you’re just starting out or looking to maximise your income, there are several ways to boost your earnings as a carpenter or joiner.

Do you need GCSEs or qualifications to be a Carpenter?

While GCSEs in English, Maths, and Design Technology are not a strict requirement to become a carpenter or joiner, they can be beneficial. These subjects provide a foundational understanding of measurements, math, and design principles, which are key to the trade. If you don’t have these qualifications, don’t worry, apprenticeships and vocational courses are excellent ways to gain the necessary skills.

Apprenticeships

Engaging in an apprenticeship is one of the best ways to get hands-on experience while also earning a salary. Apprenticeships typically take 2 to 4 years and combine on-the-job training with formal education. Completing an apprenticeship can lead to industry-recognised qualifications that increase your value in the job market.

Continuous training and specialisation

Taking specialised carpentry courses can increase your skill set and enable you to work in more niche areas, such as roofing, cabinet making, or sustainable construction. Specialising in a high-demand field allows you to charge higher rates for your expertise.

Gain experience

Experience is one of the most valuable assets in the carpentry and joinery trade. As you gain more experience, you’ll build a portfolio of completed projects that can help you secure better-paying opportunities. Whether you work on-site or in a workshop, the more you learn and the more you can demonstrate your capabilities, the higher your potential earnings.

Geographic mobility

If you are willing to work in areas with high demand for carpenters, such as large cities or regions with booming construction industries, you may see an increase in your earnings. Locations like London and the South East tend to offer higher wages due to the increased cost of living and demand for skilled labour.

Who make more money – carpenters or joiners?

In general, carpenters tend to earn slightly more than joiners. Carpenters often work on construction sites, handling both structural and finished carpentry, such as building frameworks, installing roofs, and fitting doors and windows. This versatility and involvement in larger-scale projects can lead to higher wages. On the other hand, joiners typically work in workshops, crafting detailed wooden components like furniture and cabinetry, and their earning potential is generally a bit lower. While both professions are skilled, carpenters may have more opportunities for overtime and varied projects, leading to higher overall earnings.

Maximising your career as a Carpenter or Joiner

Carpentry and joinery offer diverse and rewarding career opportunities, with a wide range of earning potentials depending on your specialisation, experience, and location. Whether you’re just starting out or are an experienced professional, there are numerous ways to increase your earnings and build a successful career. By focusing on gaining experience, continuing education, and potentially specialising in areas like formwork carpentry or shopfitting, you can maximise your income in these essential trades.

If you’re thinking of entering the carpentry or joinery profession, the journey can be both financially rewarding and personally fulfilling, offering long-term career stability and the satisfaction of working with your hands to create something meaningful.

Get Carpenters Insurance from Protectivity

No matter your trade, protecting your business is crucial. That’s why getting carpenters’ or joiners’ insurance is a smart move to cover property damage, accidents, or injuries during woodwork projects.

Our tradesman insurance includes both carpenters and joiners under the same policy, offering financial security and building trust with clients by showing professionalism and responsibility.

Protectivity’s carpenters’ insurance comes with public liability up to £5 million as standard. You can also add Contractor Works cover, Plant and Tools cover, financial loss, and employee tools (if you’ve added other benefits). Plus, we now offer comprehensive tools insurance for tradesmen to keep you covered for unexpected costs.

Get a quote online today and protect your business.

Get Carpenters Insurance from Protectivity

Last updated by

08:53:55 GMT • 19 March 2025

Top 10 dog breeds in the UK

7 March 2025

•

4 mins read

Contributors

Mandy has been with Starpeak Insurance Solutions since 2018, starting in sales in the consumer department and mov...

Get pet business insurance from Protectivity

There is no doubt that the UK is a nation of dog lovers, with some breeds standing out as favourites, but what’s the most popular dog breed in the UK? According to YouGov’s popularity rankings, the most popular breeds of dog in the UK have earned their place due to a mix of temperament, versatility, and appeal. Whether it’s the loyal Labrador, the intelligent Border Collie, or the energetic Jack Russell, these breeds resonate with owners for their companionship, working ability, or family-friendly nature. Understanding why these breeds top the list can help pet owners choose the perfect companion and offer valuable insights for pet-related businesses looking to cater to the nation’s most-loved dogs.

So, let’s take a look at the most popular dog breeds in the UK:

Labrador

The UK’s favourite dog breed for years, Labradors are intelligent, friendly, and full of energy. They make excellent family pets and are widely used as guide and service dogs due to their trainability.

Cockapoo

This adorable crossbreed between a Cocker Spaniel and a Poodle is loved for its affectionate nature and hypoallergenic coat. Cockapoos are playful, intelligent, and great companions for families and singles alike.

French Bulldog

With their signature ears and charming personalities, French Bulldogs are one of the most popular small breeds in the UK. They require minimal exercise and love human attention, making them ideal for city living.

Cocker Spaniel

Known for their silky ears and wagging tails, Cocker Spaniels are friendly and energetic dogs that love outdoor adventures. They are great family pets and are often used as working dogs due to their excellent sense of smell.

Dachshund

Affectionately called “sausage dogs,” Dachshunds are small but full of personality. They are loyal, brave, and sometimes a little stubborn. Their short legs and long bodies make them stand out in a crowd.

Golden Retriever

Loyal, loving, and always eager to please, Golden Retrievers are perfect family pets. Their intelligence and friendly nature also make them great therapy and assistance dogs.

Jack Russell Terrier

Small but fearless, Jack Russell’s are full of energy and have a big personality. They are highly intelligent and require lots of mental and physical stimulation, making them a great choice for active owners.

English Springer Spaniel

Springer Spaniels are known for their boundless energy and affectionate nature. Originally bred as gun dogs, they love outdoor activities and are a great choice for adventurous owners.

Chihuahua

The smallest breed on the list, Chihuahuas have a huge personality despite their tiny size. They are fiercely loyal to their owners and can be surprisingly confident and sassy!

German Shepherd

A highly intelligent and versatile breed, German Shepherds are often used as police, military, and service dogs. They are loyal, protective, and great family pets when properly trained and socialised.

Each of these breeds has its own unique charm, making them favourites across the UK. Whether you’re looking for a playful companion or a loyal protector, there’s a breed to suit every lifestyle and budget! Why not also check out our blog on cheap and expensive dog breeds in the UK before making a final call!

Get Pet Business Insurance from Protectivity

Whether you’re a dog walker, a dog trainer, dog groomer or any other pet business professional, our Pet Business Insurance provides you with the cover you may need in the event of an unfortunate accident or incident.

Our cover offers you essential protection including Public Liability, Loss of Keys, Equipment cover and much more. Not to mention our policy can cover you for up to 14 different pet care activities all under one policy.

To find out more, head to our website and get a quote today.

Get Pet Business Insurance from Protectivity

Last updated by