Author: Tegan

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

Mandy Czyz

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

*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date.

Last updated by

15:27:10 GMT • 11 March 2025

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

For the small businesses we support, insurance and financial protection can sometimes seem complicated, especially when getting started. That’s why our content is designed to be clear and practical—providing helpful guidance and ensuring our customers not only find the specialist cover they require but are confident it will do the job they need.

The Competent Person Scheme (CPS) in the UK

By Mandy Czyz

Mandy Czyz

20 March 2025

•

9 mins read

Contributors

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

Mandy Czyz

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

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 Tradesman Insurance from Protectivity

Last updated by

10:59:51 GMT • 19 March 2025

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

How much can Carpenters and Joiners earn?

By Mandy Czyz

Mandy Czyz

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

Mandy Czyz

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

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

Top 10 dog breeds in the UK

By Mandy Czyz

Mandy Czyz

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

Mandy Czyz

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

08:54:07 GMT • 19 March 2025

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

Trade Associations in the UK

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

19 February 2025

•

11 mins read

Contributors

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

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

As a tradesperson, whether you’re a builder, electrician, plumber, or landscaper, you’re likely to be familiar with the concept of trade associations. But what exactly are they, and how can they benefit you and your business?

Trade associations are essential in many industries, and in trades and construction, they offer valuable support, resources, and advocacy to help your business thrive. In this guide, we’ll explain the importance of trade associations, how they can enhance your professional development, and how to identify if a company is a member of one. Additionally, we’ve compiled a list of some of the most useful trade associations in the construction and trades sectors, making it easier for you to find the right support for your business.

What is a Trade Association?

For the trade sector, these organisations bring together companies, contractors and professionals under one roof to support fair regulations, improve working conditions, and enhance training opportunities. They also help members stay informed about industry developments, new legislation, and best practices, making it easier to navigate regulatory requirements within a Tradesman’s busy schedule.

Being part of an association as a tradesman brings a variety of benefits.

Key benefits

Legal and regulatory advice – Avoiding fines and staying compliant is a big tick box.
Training and certification – Want to prove you’re a top-notch tradesman? Associations provide guidance courses and qualifications. These not only develop your skills but look great on your website.
Networking opportunities – Sometimes it’s not what you know, but who you know.
Business support – Whether it’s insurance discounts, financial advice, or dispute resolution, they’re on hand to help.

The biggest Trade Associations in the UK

With so many associations to choose from, which ones are most relevant to your trade and worth looking at further? We’ve highlighted some of the biggest and most well-known trade associations in the UK for tradespeople, broken down by trade.

Federation of Master Builders (FMB): If you’re a builder, you’ve probably come across this one. The FMB supports small to medium-sized building companies, offering training, insurance, and legal advice.
National Inspection Council for Electrical Installation Contracting (NICEIC): A must for electricians, the NICEIC provides accreditation and certification, ensuring that electrical work is safe and meets industry standards.
Gas Safe Register: Not technically a trade association but the gas safe register, but if you work with gas, you must be registered with them. This ensures you’re legally allowed to conduct gas work in the UK.
Construction Industry Training Board (CITB): This training board focus on training and skills development for the construction sector. If you need an apprenticeship or further training, they’re worth checking out.
Association of Plumbing & Heating Contractors (APHC): The APHC supports professional plumbers and heating engineers, making sure the industry stays high-quality and safe.
The Guild of Master Craftsmen: Covers various trades and aims to promote skilled professionals who take pride in their work. The guild is more of a quality stamp than a regulatory body, but it still holds weight with customers.
National Federation of Roofing Contractors (NFRC): If you’re in roofing, this is the UK’s largest association ensuring top-quality standards.

These associations along with many others help keep their industries professional and accountable, ensuring customers receive good service and quality workmanship.

We’ve covered some of the biggest trade associations, now lets have a broader look by trade type.

Builders

Building & Engineering Services Association (BESA): BESA champions the UK’s building engineering sector by offering expert advice, training, and advocacy to help businesses maintain industry standards and deliver exceptional building services.
Building Engineering Services Competence Assessment (BESCA): BESCA helps ensure industry compliance and competence by providing accreditation, certification, and assessment services, enabling businesses to meet regulatory standards and business requirements.
Chartered Institute of Building: The Chartered Institute of Building upholds construction excellence by establishing professional standards, fostering career growth, and advocating for best practices across the built environment.
Concrete Society: The Concrete Society delivers expert technical knowledge, valuable networking opportunities, and industry insights to foster innovation and uphold best practices in concrete usage across construction and engineering sectors.
Construction Equipment Association (CEA): The CEA represents and supports UK construction equipment manufacturers, maintaining and monitoring industry standards, global trade opportunities and innovation.
National Federation of Builders (NFB): NFB represents UK building contractors by offering advocacy, guidance, and resources to promote high standards of professionalism, industry growth, and career development within the construction sector.

Electricians

Electrical Contractors’ Association (ECA): Representing electrical contractors across the UK, the ECA provides essential training, resources, and advocacy to drive innovation, uphold safety standards, and enhance professionalism in the electrical field.
Heating Equipment Testing and Approval Scheme (HETAS): HETAS certifies heating products, fuels, and installers to guarantee they comply with safety and environmental regulations, ensuring the safe and efficient use of solid fuel appliances and heating systems.
Association of Electrical and Mechanical Trades (AEMT): AEMT provides resources and technical expertise to electrical and mechanical businesses, helping them maintain high operational standards and stay ahead in an evolving industry.

Bricklayers

Association of Brickwork Contractors: The Association of Brickwork Contractors supports brickwork specialists by offering expert advice, training programs, and promoting industry best practices to ensure top-notch craftsmanship and adherence to safety standards.
Guild of Bricklayers: The Guild of Bricklayers is a respected body that promotes high-quality bricklaying, offers training opportunities and upholding safety protocols to maintain excellence within bricklaying.
The Brick Development Association (BDA): The BDA champions the use of bricks in construction, offering technical expertise, fostering innovation, and advocating for sustainable practices and superior quality in brickwork across the building sector.

Carpenters and Joiners

British Woodworking Federation (BWF): BWF represents the woodworking industry in the UK, providing training, technical support, and promoting rules and regulations to ensure high standards of craftsmanship, safety and innovation in woodworking.
The Institute of Carpenters (IOC): The IOC focuses on supporting carpenters through continuous professional development, providing access to training, certification, and essential resources to enhance skills and maintain standards.

Other trade types

Chartered Institute of Plumbing and Heating Engineering (CIPHE): CIPHE is a professional organisation that aids plumbing and heating engineers by offering accreditation, training, and resources to promote expertise, safety, and sustainability, while advocating for ethical practices and the value of quality workmanship.
Architects Registration Board (ARB): ARB ensures that only qualified professionals can use the title “architect” by overseeing education, training, and conduct, thereby safeguarding public interests and maintaining the profession’s integrity in the UK.
Asbestos Removal Contractors Association (ARCA): ARCA advocates for the safe removal of asbestos by offering accreditation, training and expert guidance to ensure compliance and maintain the highest standards of safety and management in the industry.
Association of Professional Landscapers (APL): APL supports landscaping professionals by offering resources, training and courses to maintain high standards in design, installation, and upkeep, fostering quality outdoor environments.
British Association of Landscape Industries (BALI): BALI promotes sustainability, best practices, and professionalism in the landscaping industry, helping businesses create exceptional outdoor spaces and thrive in a competitive environment.
Confederation of Roofing Contractors (CORC): CORC provides roofing professionals with essential training, certification, and resources to help them adhere to high standards of safety, quality, and regulatory compliance in the roofing industry.
Contract Flooring Association (CFA): The CFA represents flooring contractors in the UK, providing training, certification, and support to help businesses uphold high standards of quality, safety, and professionalism while advocating for best practices within the flooring industry, ensuring that contractors stay competitive and deliver top-notch service.
Horticultural Trades Association (HTA): HTA provides support through networking and advocacy, helping horticultural businesses grow while advancing the industry’s development and promoting best practices.
London Association of Master Decorators (LAMD): LAMD offers training, certification, and support to decorators in London, helping them uphold high standards of craftsmanship and professionalism while navigating the competitive industry landscape.
Master Locksmiths Association (MLA): MLA represents locksmiths by offering training, accreditation, and resources, ensuring high levels of expertise, security, and professionalism while promoting best practices and trusted services across the industry.

How many Trade Associations are there in the UK?

Would you believe there are over 1,000 trade associations in the UK? That’s a lot of industry groups, covering everything from construction to catering, automotive to arboriculture.

Each sector has multiple associations, often catering to different needs within the industry. For example, within construction, there are dozens of associations dedicated to builders, electricians, roofers, plasterers, and more.

With so many options, it’s important to find the one that best suits your trade and your business goals. Not all trade associations offer the same support, so choosing the right one can make a huge difference in terms of benefits and credibility.

How do you know if a company is part of a Trade Association?

Let’s say you’re hiring someone, or maybe a customer is checking you out. How can you tell if a business is part of a trade association? There are a few ways:

Check their website – Most reputable businesses will proudly display their membership logos on their website. If they’re a member of FMB, NICEIC, or any other association, it’ll likely be on their homepage or ‘About Us’ section.
Look for certification – If a company claims to be accredited by a trade association, they should have an official certificate to prove it. Ask to see it if you’re unsure.
Visit the trade association’s website – Most trade associations have an online directory where you can check if a company is a legitimate member. Just type in their name and see if they show up.
Ask them directly – If you’re a customer or a fellow tradesman working with a new company, just ask. A genuine member will have no problem proving their membership.

Why should you join a Trade Association?

We’ve covered some of the key benefits of trade associations earlier and ultimately whether you think it’s worth joining one is up to you. It may well be different depending on the trade you specialise in or the type of business you operate.

So, whether you’re an established tradesperson running your own business or new to the industry, wondering whether it’s worth signing up, you’ll want to weigh up how it can enhance your business.

If you’re serious about your trade and want to grow your business, being a member of a respected association can help.

Make you stand out from the competition
Give customers peace of mind knowing you’re accredited
Help you stay ahead of industry changes and regulations
Provide legal and business support when needed

However, it does usually come with membership fees, so it’s important to weigh up the benefits. If it means getting more jobs and increasing trust with customers, it could be a good investment.

The takeaway

Trade associations are a massive part of the UK’s business landscape, ensuring standards stay high, regulations are followed, and tradespeople get the support they need. Whether you’re looking to join one yourself or just want to know if a company is reputable, understanding how they work can be a game-changer.

So, whether you’re fixing boilers, laying bricks, or rewiring houses, it’s worth seeing what your trade association can do for you. Who knows? It might just be the boost your business needs!

Get Tradesman Insurance from Protectivity

Unexpected challenges can arise, even for the most experienced Tradespeople who carefully follow procedures. Equipment can malfunction, accidents may occur, and even minor errors can lead to significant expenses. That’s why having the right insurance is crucial, not only to protect yourself, but your business and your earnings. With tailored insurance coverage, you can operate with confidence, knowing your livelihood is safeguarded against financial setbacks beyond your control.

At Protectivity, we offer affordable tradesman insurance designed to cover the specific risks faced in your industry. Our policies include public liability coverage of up to £5 million as standard, with optional add-ons such as Contractor Works cover, Plant and Tools cover, financial loss protection, and employee tools cover (available when selecting other benefits). This ensures you’re prepared for unexpected costs when unforeseen events occur. Plus, you can now insure your tools from just £8.98 a month with our new tools insurance.

Take just two minutes today to explore our trades insurance options and secure the protection you need.

Get Tradesman Insurance from Protectivity

Last updated by

14:03:43 GMT • 12 February 2025

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

How to hire an apprentice to learn a trade

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

30 January 2025

•

10 mins read

Contributors

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

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

If you’re a sole trader, self-employed or run a small business in the trades industry, you may have considered hiring an apprentice to help grow your team. Apprenticeships are a fantastic way to develop skilled workers who are trained specifically for your trade, and they can be an excellent investment in the future of your business.

We’ll walk you through all the main details you need to know for hiring an apprentice—from the benefits and costs to training and enrolling an apprentice. By the end, you’ll have a clear understanding of how apprenticeships work and how they can benefit your trade business.

Why hire an apprentice?

Hiring an apprentice is more than just filling a vacancy; it’s an investment in your business, the individual being trained and the trade industry. Here are some of the key reasons why you should consider it:

Invest in the future of your business

An apprentice can be trained to work to your specific standards, giving you a skilled employee who understands your business inside and out.

Address skill shortages

Many trades are experiencing a shortage of skilled workers. By hiring an apprentice, you’re helping to bridge that gap and future-proof your industry.

Fresh ideas and enthusiasm

Apprentices often bring a new perspective to your team and are eager to learn. Their enthusiasm can boost morale and help your business grow.

Cost-effective way to grow your team

Apprentices are typically less expensive than experienced workers, and with government funding available, the financial investment is manageable.

Support for your workload

An extra pair of hands can ease the pressure on your business, especially during busy periods.

Pros and cons of hiring an apprentice

Pros:

Cost savings: Apprentices earn a lower wage while training, and you may be eligible for government funding to cover their training costs.
Tailored skills: You can train apprentices to meet the exact needs of your business, ensuring they’re a perfect fit.
Loyalty: Apprentices who feel valued often stay with the business after their training, reducing the cost of hiring and retraining.
Reputation: Supporting apprenticeships can enhance your business’s image within the community and industry.

Cons:

Time investment: Apprentices require supervision and training, which can take time away from your daily work.
Risk of leaving: There’s always the chance that an apprentice may leave once qualified, although this can be mitigated with clear progression opportunities.
Initial costs: Although funding is available, you’ll still need to budget for wages and equipment.
Productivity challenges: Apprentices are learning, so they may not be as productive as an experienced worker initially.

By weighing these pros and cons, you can decide if an apprentice is the right fit for your business.

Cost of hiring an apprentice

Understanding the Costs

Hiring an apprentice involves some upfront costs, but these are generally lower than hiring an experienced worker. Here’s a breakdown:

Wages: The minimum apprentice wage (as of 2025) is £5.28 per hour for those under 19 or in their first year of apprenticeship. Beyond this, they must be paid the national minimum wage for their age group.

Training costs: If you’re a small business, most of the training cost is funded by the government. For businesses with fewer than 50 employees hiring an apprentice aged 16-18, the government covers 100% of training fees.

Additional expenses: You may need to budget for tools, equipment, or uniforms.

Funding and financial benefits

Government funding: The UK government offers funding to cover training and assessment costs. Larger employers pay the Apprenticeship Levy, but small businesses are often eligible for funding.

Incentives: Small businesses may qualify for additional payments, such as £1,000 for hiring apprentices aged 16-18 or those with an education, health, and care plan.

Tax relief: Employers are exempt from paying National Insurance contributions for apprentices under 25.

The financial support available makes apprenticeships an affordable way to grow your business.

How to enrol an apprentice

Enrolling an apprentice may sound complicated, but with the right steps, it’s straightforward. These tips should get you started:

Assess your needs: Think about the skills your business needs and the role the apprentice will fill. Be clear about what you want them to learn and contribute.
Choose an apprenticeship standard: Use the UK government’s website to find the apprenticeship standard that suits your trade.
Find a training provider: Partner with a local college or training provider that offers the appropriate apprenticeship programme. They will handle the educational side of the training.
Advertise the role: Use the government’s ‘Find an Apprenticeship’ service or other job boards to promote your vacancy.
Recruit and onboard: Interview candidates and select the best fit for your business. Once hired, provide an induction to help them settle in.

For more information on this process, you can take a look at Find an Apprenticeship Service.

How to train an apprentice

Training an apprentice effectively is key to ensuring they develop the skills and knowledge your business needs. By combining formal education with hands-on workplace experience, apprenticeships allow trainees to gain practical expertise while contributing to your business. Here’s some tips to approach your training process.

Training providers and courses

Apprenticeships in the UK are structured to include both workplace training and classroom-based learning. This dual approach ensures that apprentices gain practical, real-world experience while also developing a strong theoretical foundation.

Role of the training provider

Approved training providers, such as local colleges or private apprenticeship organisations, will deliver the academic portion of the apprenticeship. This typically includes attending classes, completing coursework, and taking assessments.

Workplace learning

As the employer, you’ll provide practical training that aligns with the apprentice’s learning plan. This involves giving them opportunities to apply what they’ve learned in the classroom to real-world tasks.

When selecting a training provider:

Choose one with a proven track record in your trade or industry.
Check their Ofsted rating and speak to other businesses that have used their services.
Ensure their courses align with the specific apprenticeship standard your apprentice is working towards.
Confirm how often they’ll liaise with you about the apprentice’s progress and what support they provide.

Creating a training plan

A structured training plan is essential for guiding the apprentice through their learning journey. It provides a roadmap for their development and ensures they meet the requirements of their apprenticeship.

Set clear goals

Identify the skills, knowledge, and behaviours the apprentice should achieve at each stage. For example, if you’re training an electrical apprentice, outline milestones like learning to install wiring for lighting circuits, testing electrical systems for faults, and completing a full consumer unit replacement.

Integrate On- and Off-the-Job training

Work closely with the training provider to ensure the apprentice’s classroom learning complements the tasks they’re doing at work.

Create a timeline

Map out key development points over the apprenticeship’s duration, ensuring there’s a logical progression from basic tasks to more complex responsibilities.

Schedule regular progress checks

Meet with your apprentice regularly to discuss their progress, address any challenges, and set new goals. This could be done monthly or quarterly, depending on their programme.

Provide mentoring

Assign a mentor within your team to guide the apprentice day-to-day. This could be an experienced worker who can offer advice, answer questions, and model best practices.

Best practices for training

The workplace is where apprentices gain their most valuable experience. As an employer, you play a critical role in shaping their development. Here are some tips to ensure effective training:

Lead by example

Demonstrate professionalism and high standards in your own work. Apprentices will naturally follow your lead, so it’s important to model the behaviours and attitudes you want to see in them.

Provide hands-on experience

Give apprentices the chance to try tasks under

supervision. Start with smaller, simpler jobs and gradually increase their responsibilities as they gain confidence and skills.

Encourage questions

Create an open and supportive environment where apprentices feel comfortable asking for help or clarification.

Rotate their experience

If possible, expose the apprentice to different aspects of the trade. For example, a carpentry apprentice could work on everything from framing to finishing to gain well-rounded skills.

Balance independence and supervision

While it’s important to supervise their work, avoid micromanaging. Allow apprentices to take initiative and problem-solve, stepping in only when necessary.

Supporting long-term development

Training doesn’t stop when the apprenticeship ends. Help your apprentice transition to a more independent role by:

Offering additional training or qualifications, such as advanced courses or certifications.
Providing opportunities for career development, such as moving into a lead role or specialising in a particular area.
Regularly reviewing their performance and setting new goals for growth.

By investing in a well-structured training process and creating a supportive environment, you’ll not only help your apprentice succeed but also gain a valuable team member who contributes to your business for years to come.

Employer checklist for hiring an apprentice

To make the process as smooth as possible, use this checklist:

✅ Define the apprentice’s job role and responsibilities.

✅ Ensure you meet legal requirements, including employment contracts and health and safety standards.

✅ Apply for funding or grants through the government apprenticeship scheme.

✅ Partner with an approved training provider.

✅ Create a clear training and development plan.

✅ Prepare an induction and onboarding process.

✅ Familiarise yourself with apprenticeship standards and compliance rules

Tips for success for both employers and apprentices

Retention: Offer clear career progression to encourage apprentices to stay with your business after qualifying.

Networking: Introduce apprentices to trade shows or networking events to expand their knowledge and industry connections.

Feedback: Regularly ask for feedback from your apprentice to improve their experience and your training approach.

Adaptability: Be prepared to address challenges, such as performance issues or adapting tasks to their skill level.

You can read case studies and advice at the Apprenticeship Standards Finder.

To finish….

Hiring an apprentice can be one of the best decisions you make for your business. By investing time and effort into training, you’re not only growing your team but also shaping the future of your trade. With government support and plenty of resources available, there’s never been a better time to take the plunge.

Get Tradesman Insurance from Protectivity

If you hire an apprentice in the UK, you will also need to consider the cost of Employers Liability insurance. It’s a legal requirement to have this cover for any employees, including apprentices – with fines for failing to comply.

At Protectivity, we provide affordable tradesman insurance to cover specialist incidents commonly faced by trades. Our policies include public liability up to £5 million as standard; you then have the option to add 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.

Get Tradesman Insurance from Protectivity

Last updated by

14:44:00 GMT • 29 January 2025

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

Contractor vs Subcontractor: Understanding the Key Differences for UK Tradespeople

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

22 January 2025

•

9 mins read

Contributors

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

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

When working in the UK’s trades industry, you’ll often come across the terms “contractor” and “subcontractor.” While they might seem similar, these roles have distinct differences that are important to understand. Each role comes with its own set of responsibilities, risks, and opportunities, and understanding these can help you navigate your career or business more effectively.

For contractors, the job involves managing entire projects, working directly with clients, and often overseeing multiple subcontractors to ensure everything runs smoothly. Subcontractors, on the other hand, specialise in specific tasks, providing essential expertise that contributes to the overall success of a project.

Whether you’re looking to grow your business, plan your career, or simply understand how tradesman insurance applies to your role, knowing the differences is essential. Understanding the various types of contractors and subcontractors, their legal requirements, and how they work together can provide clarity in this dynamic industry. Let’s break it down.

What is a Contractor?

A contractor is someone who takes on a project—big or small—and manages it from start to finish. They work directly with the client, whether that’s a homeowner, a business, or another organisation, and are responsible for delivering the final result. Think of the contractor as the project manager; they organise resources, schedule tasks, and oversee every aspect to make sure it’s completed to standard.

Examples of contractors

· A general builder managing the construction of a new home.

· An electrician hired to rewire a commercial property.

· A landscaper creating a bespoke garden design for a client.

What is a Subcontractor?

A subcontractor, on the other hand, works under a contractor. They are hired to perform specific tasks that contribute to the overall project. While the contractor is busy managing the big picture, the subcontractor focuses on their specialised role, whether that’s plumbing, painting, or tiling.

Examples of subcontractors

A carpenter hired to craft wooden furniture.
A plasterer tasked with finishing interior walls.
A roofer brought in to install a new roof.

Subcontractors are often experts in their field, and they thrive by delivering high-quality, task-specific work.

The key differences between a contractor and subcontractor

Responsibility

Contractors are responsible for the entire project, from start to finish. They deal directly with the client, set budgets, and ensure that all work meets the agreed specifications. Subcontractors, meanwhile, focus solely on their assigned tasks, leaving project management to the contractor.

Client relationship

Contractors work directly with clients and are the face of the project. Subcontractors rarely have direct client interaction—their relationship is with the contractor who hired them.

Work scope

While contractors oversee the entire project, subcontractors are specialists who focus on their niche. Contractors might hire multiple subcontractors for a single project to handle different aspects.

Requirements for each role

Contractors

Legal Requirements

Contractors often need to register their business as self-employed or as a limited company. They must comply with the Construction Industry Scheme (CIS) to manage tax deductions for subcontractors and hold public liability insurance to protect against accidents and claims. For larger projects, employers’ liability insurance and professional indemnity insurance may also be necessary.

Skills

Contractors require strong project management and leadership skills. They must be able to coordinate multiple teams, plan budgets, and schedule work effectively while ensuring compliance with safety regulations.

Tools and Equipment

Contractors are usually responsible for sourcing and organising materials, tools, and equipment for the entire project. This might include renting heavy machinery or purchasing bulk materials, depending on the project’s scope.

Subcontractors

Legal Requirements

Subcontractors must be registered under the CIS for tax purposes and ensure they have appropriate insurance, such as public liability insurance. Depending on their trade, they may also need certifications, such as Gas Safe registration for gas engineers or NICEIC certification for electricians.

Skills

Subcontractors need expertise in their specific trade, with up-to-date knowledge of techniques, tools, and safety standards relevant to their field.

Tools and Equipment

Subcontractors are often expected to bring their own tools and equipment to the job. They may also need to invest in specialised tools for niche tasks, ensuring they can deliver high-quality work efficiently.

Salary and payment structure

The way contractors and subcontractors are paid can vary significantly:

Contractors usually negotiate a fixed price for the entire project and are responsible for managing their budget.
Subcontractors are typically paid a day rate or per completed task. Their income depends on the contractor’s payment schedule.

While contractors may earn more overall, they also bear the financial risk if a project goes over budget. Subcontractors, meanwhile, enjoy the stability of being paid for their specific contribution.

Different types of Contractors and Subcontractors

Within both roles, there are different types depending on the industry and project:

General contractors

These contractors manage the entire project and oversee every aspect, from planning to completion. They coordinate with clients, subcontractors, and suppliers to ensure the project stays on track.

Specialist contractors

These professionals focus on specific areas such as electrical systems, plumbing, or HVAC (heating, ventilation, and air conditioning). They are often hired for their niche expertise in delivering specialised components of a project.

Labour-only contractors

Labour-only contractors supply skilled workers to a project but do not provide materials or take responsibility for project management. For example, a team of carpenters hired to frame a house falls under this category.

Specialist tradespeople

Subcontractors in this category are experts in a particular field, such as bricklayers, plasterers, carpenters, or electricians. They are brought in to perform specialised tasks that require a high level of skill and experience.

Labour-only subcontractors

Similar to labour-only contractors, these subcontractors focus solely on providing manpower for specific tasks. They typically work under the direction of a contractor or project manager.

Supply subcontractors

These subcontractors provide specific materials, prefabricated components, or bespoke items required for the project. For example, a supply subcontractor might deliver steel beams or custom joinery pieces designed for a particular build.

By understanding these categories, both contractors and subcontractors can better identify their niche and market themselves effectively within the industry. This clarity also helps clients and project managers hire the right professionals for the job, ensuring smoother and more efficient project delivery.

Pros and Cons of being a Contractor vs Subcontractor

Contractor Pros

Higher earning potential

Contractors often earn more as they manage entire projects and negotiate the overall budget. This control allows for greater financial rewards if projects are managed efficiently.

Leadership opportunities

Contractors oversee teams, coordinate schedules, and liaise directly with clients. This role offers leadership experience and professional growth.

Greater control over projects

As a contractor, you call the shots. You decide which subcontractors to hire, the project timeline, and how resources are allocated.

Contractor Cons

Higher risk and responsibility

Contractors are accountable for the entire project. If something goes wrong—whether it’s delays, budget overruns, or client disputes—the responsibility lies squarely with them.

More paperwork and admin

From managing contracts to invoicing and compliance with legal requirements, contractors often deal with significant administrative tasks.

Requires strong organisational skills

Juggling multiple tasks, budgets, and team dynamics requires excellent planning and time management.

Subcontractor Pros

Focus on your trade

Subcontractors can concentrate on their area of expertise without worrying about the complexities of project management.

Lower financial risk

Unlike contractors, subcontractors aren’t responsible for the project’s overall budget. They get paid for their specific tasks, reducing financial stress.

Flexibility to work on multiple projects

Subcontractors have the freedom to work with different contractors and on various projects, providing variety and potential networking opportunities.

Subcontractor Cons

Dependence on contractors for work

Subcontractors rely on contractors to hire them. This dependence can lead to inconsistent work opportunities during quieter periods.

Limited earning potential

Compared to contractors, subcontractors earn less as they’re paid for their specific tasks rather than managing the entire project budget.

Less influence over project timelines and decisions

Subcontractors have little say in the overall schedule or decisions about the project. They must adapt to the contractor’s plan, even if it’s not ideal for them.

Can you be both a contractor and subcontractor?

You absolutely can! Many tradespeople switch between these roles depending on the job. For example, you might take on a loft conversion project as a contractor, managing the entire build. But on a separate project, you could be hired by another contractor to handle the electrical work as a subcontractor.

Balancing both roles can be rewarding, but it requires careful planning. It also has implications for tax and insurance, so it’s worth staying on top of your legal and financial obligations.

To finish…

Understanding the difference between contractors and subcontractors is essential for navigating the UK’s trades industry. Whether you’re managing a project or specialising in a particular trade, both roles have their own unique challenges and rewards.

At the end of the day, choosing the right role comes down to your skills, ambitions, and the type of work you enjoy. And no matter which path you take, make sure you’re covered with the right insurance to protect your livelihood.

Get Tradesman Insurance from Protectivity

Whether you’re a contractor or subcontractor, having the right insurance is a necessity. Contractors need to protect themselves from risks such as project delays, accidents, and client disputes. Subcontractors, meanwhile, face risks like injury or damage to a client’s property while on the job.

At Protectivity, we provide affordable tradesman insurance, designed for a wide range of contractors and subcontractors, to cover specialist incidents commonly faced by trades. Our policies include public liability up to £5 million as standard; you then have the option to add Contractor Works cover, Plant and Tools cover, financial loss and employee tools (only if you’ve included the other benefits). You can also buy our comprehensive tools insurance to ensure your equipment is covered should you need it. That way, when unforeseen circumstances occur, you can ensure you’re protected from unexpected costs.

Get a quote online to find out more about our trades policies.

Get Tradesman Insurance from Protectivity

Last updated by

10:51:27 GMT • 4 February 2025

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

10 popular dog grooming trends

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

18 December 2024

•

9 mins read

Contributors

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

Get dog grooming insurance from Protectivity

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

Dog grooming has evolved far beyond the basics of a quick wash and trim. It’s now a vibrant mix of artistry, innovation, and specialised care that meets the growing demands of modern pet parents. Today’s dog owners aren’t just looking for a tidy coat – they’re after Instagram-worthy styles, eco-conscious services, and solutions tailored to their pet’s unique needs.

For groomers, staying on top of the latest trends isn’t just about being fashionable – it’s about thriving in an industry where creativity and customer satisfaction are king. Whether it’s creating a picture-perfect teddy bear trim, using eco-friendly products, or offering mobile services that bring grooming to the doorstep, these trends reflect a booming pet care market where owners want the best for their furry friends.

What’s more, UK pet parents are increasingly viewing grooming as an essential part of their dog’s overall well-being. From wellness-focused treatments that soothe sensitive skin to low-maintenance styles that fit busy lifestyles, the expectations have never been higher. For groomers, this shift offers exciting opportunities to expand your skills, boost your business, and stand out in a competitive market.

Whether you’re a seasoned pro looking to shake things up or just getting started in the grooming world, this guide covers everything you need to know about the top trends shaping dog grooming today. Let’s explore the styles, techniques, and services that are transforming the grooming game in the UK.

1. Asian Fusion Grooming

Ever wondered why certain dog styles look like they’ve leapt out of a kawaii cartoon? That’s Asian Fusion grooming for you – a style born from Japan and Korea that’s all about making dogs look unbelievably cute. Think rounded faces, fluffy legs, and that iconic teddy bear look.

This style works wonders for smaller breeds like Poodles, Shih Tzus, and Bichons. The key to nailing it? Precision. You’ll need sharp round scissors and a good eye for symmetry. Clients love it because it gives their pups a playful, youthful vibe – and who doesn’t want that?

2. Eco-friendly grooming – For the planet-loving pooch

Sustainability is the buzzword of the decade, and grooming is no exception. More and more pet parents are choosing eco-friendly products for their four-legged friends, and they expect their groomer to do the same. From biodegradable shampoos to water-saving techniques, going green is good for business and the environment.

To start, swap out single-use plastic tools for sustainable alternatives, like bamboo brushes. And don’t forget to highlight your eco-friendly approach in your marketing – nothing says “premium service” like showing you care about the planet.

3. Mobile grooming – On the go and in demand

Mobile grooming is the perfect solution for busy dog owners (which, let’s face it, is most of them). Instead of making a trek to the salon, clients get their dogs pampered right on their doorstep. It’s a win-win: no car rides for nervous pups and no salon overheads for you.

If you’re thinking of going mobile, a fully equipped van is a must. Make sure it’s kitted out with everything you’d find in a traditional salon, from wash stations to dryers. Flexibility is your biggest selling point, so offer services at times that suit your clients – evenings and weekends will be a big hit.

4. Online grooming tutorials and workshops

Thanks to lockdowns, online learning has skyrocketed – and grooming is no exception. Virtual grooming classes are a great way to connect with clients and create an extra revenue stream. Whether it’s teaching owners how to manage their dog’s coat between appointments or showing them the basics of trimming, there’s a big market for online workshops.

You could start with beginner-friendly classes, like “How to Tackle Tangles,” and expand into breed-specific tutorials. Offer live Q&A sessions to engage your audience, and you’ll soon build a loyal online following.

5. Dog colouring – For a splash of fun

Want to make a statement? Dog colouring is the ultimate way to turn heads. From subtle ombre to bold streaks, there’s a style to suit every pooch. The key here is using pet-safe, non-toxic dyes and being mindful of the dog’s comfort.

Whether it’s a rainbow tail or a seasonal look for Halloween, dog colouring is an Instagram dream. But remember, less is often more – a small pop of colour can be just as impactful as an all-over transformation.

6. Hand stripping

Hand stripping might sound a bit old-school, but it’s an essential skill for groomers working with breeds like Terriers and Spaniels. This technique removes dead hair by hand, keeping the coat’s natural texture intact and ensuring the dog looks its best.

It’s a time-consuming process, but it’s worth it for dogs that compete in shows or owners who want to maintain breed standards. If you haven’t mastered it yet, it’s a skill worth investing in – especially if you want to stand out as a specialist.

7. Low maintenance grooming

Not every dog owner has time to brush and fluff their pup every day. Enter low maintenance grooming – styles that look great with minimal effort. Short cuts and clean, simple lines are key here. It’s all about practicality, but that doesn’t mean sacrificing style.

This trend is especially popular with working professionals and families who want their dogs to look smart without constant upkeep. Offer tailored advice on how to keep coats manageable, and you’ll win loyal clients in no time.

8. Creative grooming

If you love pushing the boundaries of your skills, creative grooming is where it’s at. Think sculpting fur into shapes, carving patterns, and even themed designs (like turning a dog into a lion or a panda). It’s not for the faint-hearted, but the results can be absolutely jaw-dropping.

Perfect for competitions or special occasions, creative grooming is an art form that lets you show off your personality. Just remember comfort comes first. Not every dog is suited to elaborate styles, so always work with the animal’s wellbeing in mind.

9. Wellness-focused grooming

Grooming isn’t just about appearances – it’s about keeping dogs healthy too. Wellness-focused services, like skin treatments, aromatherapy baths, and stress-free handling techniques, are a fantastic way to set yourself apart.

Older dogs, in particular, can benefit from gentle grooming that takes their joints and mobility into account. Highlighting your expertise in canine care will build trust with clients and keep their pups coming back for more.

10. Breed-specific grooming

One size doesn’t fit all in dog grooming, and breed-specific grooming is making a strong comeback as owners look to maintain the unique appearance of their beloved breeds. This trend focuses on tailoring grooming techniques to match the traditional standards and characteristics of different dog breeds, ensuring each pup looks its absolute best.

From the luxurious mane of a Poodle to the wiry coat of a Border Terrier, breed-specific grooming combines artistry with knowledge of breed anatomy and coat types. It’s particularly appealing to show dog owners and those who take pride in their pup’s pedigree.

For groomers, mastering breed-specific cuts can set you apart as an expert in your field. It’s also an opportunity to educate your clients on the importance of proper coat care and how it ties into their dog’s overall health and comfort. Offering this service signals professionalism and a commitment to preserving the unique traits that make each breed special – something discerning dog owners will absolutely love.

Marketing your grooming business

You could offer the best grooming services in the world, but if no one knows about them, what’s the point? Social media is your best friend here – post before-and-after photos, share grooming tips, and showcase your creative styles. Platforms like Instagram and TikTok are perfect for showing off your skills to a wide audience.

You can also partner with local pet shops or vets to expand your reach. And don’t forget to reward your loyal clients – referral discounts and loyalty schemes go a long way.

Dog grooming is more exciting than ever, with new trends and techniques popping up all the time. From offering eco-friendly services, perfecting Asian Fusion styles, or jumping on the mobile grooming bandwagon, there’s plenty of opportunity to grow your business and wow your clients. What’s your favourite grooming trend?

Get Dog Grooming Insurance from Protectivity

Protectivity provides comprehensive, affordable dog grooming insurance for professionals just like you, whether you’re just starting out or have years of experience. Our policies encompass Public Liability that covers injuries or property damage; Care, Custody and Control cover of up to £100,000 in case a dog gets ill or injured, and up to £30,000 of specialist cover for your equipment.

With our insurance, available through flexible payment plans, you can groom dogs with confidence that an accidental error won’t hit you in the pocket.

We cover all kinds of pet businesses so you can offer multiple activities under one policy such as insurance for dog walkers, pet sitters, mobile pet taxis and more.

Get Dog Grooming Insurance from Protectivity

Last updated by

15:17:07 GMT • 17 December 2024

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

What you need in a dog walking contract

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

10 December 2024

•

11 mins read

Contributors

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

Get pet business insurance from Protectivity

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

As a dog walker, you might think a friendly handshake is enough to seal the deal with clients—but trust me, it’s not. Whether you’re walking one dog occasionally or managing a full list of regulars, a written contract is essential. It protects you financially, keeps expectations crystal clear, and safeguards your reputation when things don’t go as planned.

From payment disputes and last-minute cancellations to liability issues if a dog causes damage or gets injured, a contract acts as your safety net. It shows clients you’re professional, builds trust, and ensures you’re fairly compensated for your time and effort. Let’s break down what your contract should include to make every dog walking arrangement smooth and stress-free!

Why bother with a dog walking contract?

You might think a friendly chat and a handshake are enough, but the truth is, having a dog walking contract is about so much more than a quick walk around the block. It sets the foundation for a smooth, professional, and drama-free experience.

Here’s why a contract is an absolute must—and some real-life examples to show why it matters.

Legal Protection

Accidents happen. A contract can cover your back if something goes wrong. It’s like having a safety net for both you and your walker.

Dogs are unpredictable, and even the best-behaved pooch can cause an unexpected incident. A contract acts like a safety net, outlining who’s responsible if something goes wrong.

Here are a few scenarios where this could save the day:

If the dog injures another pet or person during a walk, the contract can clarify whether the owner’s pet insurance covers such situations or if the walker needs their own liability insurance.

Without a written agreement, you’re relying on verbal promises, which don’t hold much weight in legal disputes. A well-crafted contract ensures everyone knows their rights and obligations, avoiding costly misunderstandings later.

Clear Expectations

No more confusion over who’s doing what, when, or how much it costs. It’s all there in black and white.

Misunderstandings are the bane of any arrangement, and dog walking is no exception. A contract lays out the who, what, where, when, and how of the service, so there’s no room for confusion.

The owner might expect you to take their pup on an hour-long, off-lead run in the park, while the session was planned for a 30-minute stroll around the block on a lead. The contract eliminates these mismatched expectations by specifying the walk duration, location, and style.
Payment issues can also arise. Suppose you expect weekly payments, but the owner assumed it was monthly. A clear contract can specify how and when payments are made.

This clarity prevents those awkward, “Wait, we didn’t agree to that” moments and keeps the relationship running smoothly.

Accountability

Everyone knows their role, so there’s less chance of mix-ups or, let’s be honest, awkward arguments. A dog walking contract creates a shared understanding that holds both parties accountable.

If the owner fails to leave the dog’s lead and harness out as agreed in the contract, the walker isn’t left scrambling or blamed for delays.
If the walker skips a scheduled walk without notice, the owner has the written terms to fall back on when discussing compensation or service continuity.

Accountability works both ways and keeps everyone honest. It’s about mutual respect and ensuring the dog gets the care they deserve.

Professionalism

A contract shows that dog walking isn’t just a casual side gig—it’s a serious service. For owners, it reassures them that their pet is in reliable hands. For walkers, it establishes them as trustworthy professionals who value clear communication and quality care.

Imagine a walker who hands over a printed contract outlining their services, rates, and emergency protocols. The owner immediately feels reassured that this person knows what they’re doing and can be trusted with their beloved pet.
On the flip side, an owner who insists on a contract demonstrates they’re a responsible pet parent who respects the walker’s time and effort.

Professionalism builds trust, which is essential for a happy working relationship. After all, a dog walker isn’t just taking a pet for a stroll—they’re being entrusted with a member of the family.

Flexibility for Extras

Life doesn’t follow a set schedule, and dog care often needs a little extra flexibility. A good contract can make it easy to add or adjust services without any drama.

Say the owner suddenly needs weekend walks or an extra service like feeding the dog after the walk. A contract can include an add-on clause, so the walker knows how to handle these requests—and what to charge.
Maybe the walker notices the dog’s nails are getting too long or they need a bath after muddy walks. The contract could allow for these additional services to be offered with clear terms.

Having this flexibility in writing saves time and avoids endless back-and-forth. It also keeps the working relationship adaptable to changing needs.

The must-haves in your dog walking contract

Let’s dive into the nuts and bolts. Here are the key bits every dog walking contract should include:

1. Contact Info

Get the basics sorted:

Full names, addresses, and phone numbers for both parties.
Emergency contacts—because you never know when you might need them!

2. All About the Dog

Make sure the walker knows your furry friend inside and out:

Name, breed, age, and size.
Any quirks, like “hates cyclists” or “loves rolling in mud.”
Medical conditions, allergies, or dietary needs.

3. What’s Included in the Walks

Spelling out the details avoids those “Oh, I thought you meant…” moments:

How often and how long the walks will be (e.g., “30-minute walks, five days a week”).
Where the walks will happen—park, local area, or somewhere else?
Any extras, like feeding, playtime, or administering medication.

4. Money Matters

Nobody likes talking money, but it’s important:

How much you’re paying, how often, and how you’ll pay (cash, bank transfer, etc.).
What happens if you’re late paying or cancel last minute.
Refund policies if a walk doesn’t happen—who’s footing the bill?

5. Scheduling and Cancellations

Life happens, but a plan makes it less messy:

How much notice is needed to cancel or reschedule—24 hours? A week?
What happens if the walker can’t make it due to illness or other emergencies.

6. Liability and Insurance

This is where the “what ifs” come in:

Who’s responsible if the dog causes damage, runs off, or gets hurt?
Does the walker have public liability insurance? If not, you might want to look into that.

7. Emergency Plan

No one wants to think about it, but it’s better to be prepared:

What should the walker do if there’s an emergency?
Vet contact details and your preferred animal hospital.

8. Gear and Supplies

It might sound small, but it matters:

Who’s providing the lead, harness, and waste bags?
Any special equipment, like a specific training lead or booties for cold weather?

9. Health and Vaccination Rules

Keep everyone safe:

Confirm your dog’s up to date on vaccinations and free of contagious illnesses.
Maybe include proof of this in the contract—belt and braces and all that.

10. Dog Walking Forms

Forms? Really? Yes! They can be game-changers for staying organised:

Pet Profile Form: Everything about your dog, from favourite treats to “don’t let him near that one cat on the corner.”
Emergency Contact Form: Essential numbers in case of an “uh-oh” moment.
Daily Walk Report Form: A quick note about what happened on the walk—how far, any incidents, or just a “he was an angel today!”
Authorisation Form: Let’s the walker take your pup to the vet if there’s a real emergency.

11. Optional Add-Ons

Sometimes it’s nice to have extras available:

Weekend or evening walks.
Pet sitting or overnight stays.
Grooming, training, or trips to the vet or daycare.
Outline these in the contract with costs and terms.

12. Confidentiality Clause

If your walker needs access to your home or has your key, a confidentiality clause is a good idea. It keeps private stuff private—simple as that.

13. Termination Clause

If things aren’t working out, what’s the process for ending the agreement? Include a notice period so everyone’s on the same page.

14. Signatures

Finally, both parties need to sign and date the contract.

Other things to think about

A solid dog walking contract should cover more than just the basics. To make sure everything runs smoothly—even when the unexpected happens—here are a few additional points to think about. These might seem minor at first glance, but they can save a lot of stress down the line.

Back-Up Plans

Life happens. You could get sick, take holidays, or face emergencies just like anyone else. It’s important to have a plan in place for those days when you become unavailable. Addressing this upfront in the contract can prevent last-minute panic.

Include a Backup Walker: Do you have someone they trust to step in when needed? If so, make sure this person is introduced to the owner and dog beforehand.
Owner as the Backup: If no replacement walker is available, will the owner step in? Agreeing on this from the start avoids confusion.

Having this contingency spelled out means your dog won’t miss out on their daily walks, even if something unexpected happens.

Photo Permission

We all love adorable dog photos, but not everyone is comfortable with their pet’s pictures being shared online. If you are active on social media or use client testimonials for marketing, make sure you address this in your contract.

Permission to Share: Confirm owners are happy for you to post snaps of your pup, you can specify that in the contract.
Opting Out: If they’d prefer to keep things private, that’s fine too. Just include a clause that politely states no photos of your dog should be shared online.

This small detail can prevent awkward conversations or misunderstandings later.

Behavioural Issues

Not all dogs are easy walkers. Whether it’s pulling on the lead, barking at strangers, or lunging at squirrels, some behaviours can make walks a bit more challenging. Including a section in the contract about managing these situations helps set realistic expectations for both parties.

Behaviour Disclosure: Owners should be upfront about their dog’s quirks or triggers. For instance, does your dog get anxious in busy areas or react poorly to other dogs?
What if it’s unmanageable? Agree on a plan if the dog’s behaviour becomes too difficult for the walker to handle safely. This could include:
- Pausing walks until a behaviourist or trainer is involved.
- Adjusting the route or walk duration to minimise triggers.
- Terminating the contract if the situation poses a risk to the walker, the dog, or others.

By addressing this early, you create a safer environment for everyone involved.

Get Pet Business Insurance from Protectivity

Accidents, injuries, or property damage can occur during walks, and insurance covers medical expenses, legal fees, and potential compensation. This safeguards both your business and the pet owner’s peace of mind, ensuring responsible and secure care for their beloved pets.

Protectivity’s dog walking insurance gives a range of policy options, so you can choose the best level of cover for your needs. Our pet business policy gives between £1m and £10m worth of cover for your business if members of the public are injured, or their property is damaged. Key cover totals up to £10,000 for costs such as new keys and replacement locks, while our care, custody and control policy comes with up to £100,000 worth of cover if animals in your care are lost, injured, become ill or suffer a death. You can also protect your equipment with £250 worth of cover, along with a range of other options and benefits.

Get Pet Business Insurance from Protectivity

Last updated by

11:29:34 GMT • 10 December 2024

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

Side Hustle Services to Start in 2025

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

5 December 2024

•

12 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

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

Looking for ways to make a bit of extra cash in 2025 without needing formal qualifications or specialist skills? Whether you’re saving for a well-deserved holiday, paying down bills, or just want some extra spending money, side hustles are the perfect way to boost your income.

The best part? Many side hustles are incredibly low-cost to start. You don’t need expensive equipment, fancy certifications, or years of experience to get going. From helping out with everyday tasks to offering services people rely on, these gigs are in constant demand. And because they’re flexible, you can fit them around your schedule—whether it’s a few hours in the evening or a couple of weekends a month.

From walking dogs to helping in gardens, catering for events to offering handyman services, there’s something for everyone. Side hustles let you use your time and energy to earn, without committing to the 9-to-5 grind. Plus, they’re a great way to meet new people, learn on the job, and even turn a simple idea into a thriving little business.

So, let’s explore some of the best low-cost, easy-to-start side hustles you can kick off in the UK in 2025. Who knows? One of these ideas might just be your ticket to some extra income!

Pet Care Services

Pet care is booming in the UK, with more households than ever welcoming furry, feathery, and scaly friends. Over 13 million homes now own pets, according to recent surveys. But as life gets busier, many pet owners struggle to keep up with daily responsibilities like walking their dogs or finding someone to care for their pets during holidays.

Enter pet care side hustles – if you love furry friends, why not get paid to hang out with them? With millions of pet owners in the UK, there’s always someone who needs a hand with their pets. Pet care is perfect for getting some fresh air and steps in, while pet sitting gives you a chance to cuddle adorable animals while their owners are away.

Dog Walking

Dog walking is a perfect side hustle if you love getting outside and don’t mind a bit of exercise (hello, free workout!). Dogs need regular walks to stay healthy and happy, but many owners don’t have the time or energy to give them the attention they need.

What You’ll Do: Take one or more dogs for daily or occasional walks. This might involve leashing them up, navigating local parks, and sometimes handling energetic or excitable pups.

What You’ll Earn: £10-£15 per hour, with higher rates in cities like London. Many walkers can increase earnings by taking multiple dogs at once (if you’re confident in handling them!).

How to Start: Advertise in your local area (community boards, Facebook groups, or pet shops). Join platforms like Tailster or Rover, which connect walkers with pet owners.

Why do it: It’s low-cost to start, gives you time outdoors, and lets you build connections with both pets and their owners. Plus, who doesn’t want an adorable walking buddy?

Pet Sitting

Pet sitting offers a more personal way to care for animals, especially when owners go on holiday or need to be away overnight.

What You’ll Do: Stay with pets in their own homes or invite them to stay with you. Responsibilities might include feeding, cleaning litter trays, administering medication, and, of course, providing plenty of love and attention.

What You’ll Earn: £25-£75 per night, depending on the number and type of pets. Longer-term stays or premium care (e.g., for elderly pets) can bring in even more.

How to Start: Build trust by starting with friends, family, or neighbours. Use trusted websites like Rover or Tailster to find clients and collect reviews.

Why do it: You get to enjoy spending time with animals without the full-time commitment of owning one. It’s also an ideal option if you have flexibility in your schedule for overnight stays.

Home Help Services

With busy work schedules, elderly homeowners, and an increasing number of renters moving frequently, home help services have become a lifeline for many. People often don’t have the time, skills, or equipment to tackle basic household tasks. Whether it’s painting a room, mowing the lawn, or fixing a leaky tap, reliable help is always needed.

For those who enjoy hands-on work and solving practical problems, home help side hustles offer flexibility and consistent demand. Plus, you get the satisfaction of completing a job well done—something not every desk job can deliver!

Not afraid of a bit of elbow grease? Home help services are always in demand, whether it’s assembling flat-pack furniture, clearing out a loft, or tidying up someone’s garden. You don’t need to be a DIY expert—just handy, reliable, and willing to pitch in.

Furniture Removal

What You’ll Do: You’ll help clients transport furniture or other bulky items. This can range from delivering a new wardrobe purchased online to helping someone move house. Jobs might also include loading and unloading, dismantling furniture for transport, and ensuring items are safely handled.

What You’ll Earn: £50-£150 per job, depending on the distance, number of items, and complexity of the task.

How to Start: If you have access to a van, you’re already ahead! If not, consider teaming up with someone who does.

Join platforms like AnyVan, Shiply, or Airtasker to connect with clients.
Offer fixed prices for common tasks, such as single-item deliveries or moving small flats.

Painting & Decorating

Painting and decorating services are always in demand, particularly as people refresh their homes or prepare properties for sale or rent.

What You’ll Do: Typical jobs include painting walls, ceilings, and skirting boards, wallpapering, and minor repairs like filling cracks or holes. Larger projects might involve preparing rental properties for new tenants or working on commercial spaces.

What You’ll Earn: £12-£30 per hour or £100-£500 per room, depending on the size and complexity of the job.

How to Start: Begin with smaller jobs for friends or family to build experience. Invest in quality tools and supplies for a professional finish.

Why do it: Painting and decorating require minimal start-up costs but can bring in substantial earnings. Plus, the visual results of your work are instant and rewarding.

Gardening

Gardening is one of the most sought-after home help services, particularly during the spring and summer months when outdoor spaces need the most care.

What You’ll Do: Tasks can range from mowing lawns and trimming hedges to planting flowers, removing weeds, and general garden tidying. Some clients may also need advice on maintaining plants or redesigning their garden layout.

What You’ll Earn: £10-£25 per hour, depending on your location and the complexity of the job. Larger or more specialised jobs can earn more.

How to Start: Advertise locally in Facebook groups, neighbourhood noticeboards, or Nextdoor. Offer seasonal discounts to attract new clients (e.g., spring garden clean-ups).

Why do it: Gardening doesn’t require heavy investment—basic tools and a willingness to work outdoors will get you started. Plus, many clients become repeat customers if they’re satisfied with your work.

Handyman

For those who are naturally good at fixing things or enjoy working with tools, handyman services are a fantastic side hustle option.

What You’ll Do: Handyman tasks can include fixing leaky taps, repairing broken furniture, hanging shelves or curtains, installing light fixtures, or tackling minor household repairs. You can also take on more advanced jobs like tiling or light carpentry if you have the skills.

What You’ll Earn: £15-£40 per hour, with more specialised work commanding higher rates.

How to Start: Use platforms like TaskRabbit or MyBuilder to find clients. Offer package deals for common tasks to encourage repeat bookings.

Why do it: There’s consistent demand for small repair jobs, and clients are often happy to pay a premium for reliable, skilled help. You’ll also have the chance to build long-term relationships with repeat customers.

Cleaning Services

Cleaning is another highly sought-after home help service, with clients ranging from busy professionals and families to landlords and small businesses.

What You’ll Do: Provide regular cleaning services for homes or offices, one-off deep cleans, or even specialised tasks like end-of-tenancy cleaning or decluttering.

What You’ll Earn: £12-£25 per hour, with higher rates for deep cleaning or larger properties.

How to Start: Advertise locally or join cleaning platforms such as Housekeep or Task Rabbit. Invest in reliable cleaning supplies and equipment for a professional finish.

Why do it: Cleaning services are relatively easy to start and often lead to steady, repeat work. Plus, there’s satisfaction in transforming spaces into sparkling, tidy havens.

Event Services

Event services are in constant demand as people celebrate life’s milestones, from birthdays and weddings to anniversaries and corporate functions. The UK loves a good get-together, and while many enjoy hosting events, few have the time or expertise to handle all the logistics.

From catering and décor to entertainment and setup, event services offer plenty of opportunities for side hustlers who are creative, organised, or simply love being part of memorable occasions. With more people opting for personalised and stress-free experiences, reliable event services have become an essential part of any successful celebration.

Catering

If you’re a dab hand in the kitchen, catering is a brilliant way to turn your culinary skills into cash. From finger foods to full buffets, there’s a constant need for delicious and well-presented food.

What You’ll Do: Prepare and deliver food for events such as birthday parties, corporate meetings, or family gatherings. Tasks might include menu planning, sourcing ingredients, and presenting dishes.

What You’ll Earn: £50-£150 per event for smaller gatherings, with the potential to earn more for larger-scale functions.

How to Start: Start small with friends and family to build a portfolio.

Ensure you have a valid food hygiene certificate, which is required for catering in the UK.
Advertise your services on local platforms and attend community events to network.

Why do it: You get to express your creativity, and word-of-mouth referrals can quickly lead to regular bookings. Plus, catering is highly scalable—start small, then expand to larger events as you gain experience.

Market Stalls

Selling goods at markets is a fun and flexible way to share your creativity while earning extra income. From crafts to baked goods, market stalls let you turn your hobbies into profit.

What You’ll Do: Rent a stall at local markets or fairs to sell your products. This could include handmade items like jewellery, candles, or baked goods, as well as second-hand treasures or seasonal products.

What You’ll Earn: £50-£300 per market day, depending on the location, event size, and demand for your goods.

How to Start: Research market opportunities in your area (many councils have dedicated websites for traders).

Focus on seasonal events such as Christmas fairs or summer fetes for higher traffic.
Display your products attractively to stand out from the crowd.

Why do it: Market stalls are a low-risk way to test business ideas, and they offer a great opportunity to meet new people and showcase your skills.

Speakers/Talks

If you’re knowledgeable or passionate about a particular topic, you can get paid to share your expertise. From motivational talks to practical workshops, speaking at events is a rewarding side hustle that lets you inspire others.

What You’ll Do: Deliver talks, run workshops, or host storytelling sessions on topics such as skill development, health and wellness, or personal finance. Tasks might include preparing presentations and interacting with audiences.

What You’ll Earn: £50-£200 per session, depending on your topic and audience.

How to Start: Begin by offering free or low-cost sessions at local community centres, libraries, or schools.

Use platforms like Eventbrite to promote your sessions.
Collect testimonials and build a portfolio to establish your credibility.

Why do it: You’ll gain confidence in public speaking, meet interesting people, and have the chance to make a meaningful impact on your audience.

Other points to consider before starting a side hustle

Start-Up Costs

Some side hustles need a bit of investment upfront, whether it’s cleaning supplies, tools, or transport. But the good news? Most of these gigs have low costs to get started.

Insurance

When running a side hustle, it’s important to consider insurance to protect yourself and your business. Depending on the nature of your venture, you may need specific cover beyond your personal insurance policies.

Additionally, if you work from home, your standard home insurance may not cover business-related equipment or liabilities, so a home business policy could be necessary. Evaluating your risks and seeking advice from an insurance professional can help you identify the right cover to avoid financial losses and ensure compliance with legal requirements.

Licensing or Permits

Catering: You’ll need a food hygiene certificate for preparing food.
Market Stalls: Check with your local council for a trader’s licence.

Get Small Business Insurance with Protectivity

These ideas listed here are just a small fraction of the opportunities you can explore. But whatever option you decide to go for, one thing remains the same: make sure you have the most appropriate cover for your needs to ensure you’re protected from unexpected incidents.

Protectivity offers affordable small business insurance for 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.

Whether you’re looking for pet care business insurance, decorators insurance, catering insurance, crafters insurance, or another another small business, explore the full list of small business insurance we provide today, or get in touch with our team to discuss your specific requirements.

Get Small Business Insurance from Protectivity

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