Author: Tegan

11:31:56 GMT • 14 November 2024

What Insurance do Builders Need?

28 March 2024

•

8 mins read

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

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As a builder, you play a crucial role in constructing, renovating and maintaining buildings, contributing to the growth and development of communities, businesses and infrastructure. However, working in the construction industry also comes with its own set of risks. To protect yourself, your business, and your clients, it’s essential to have the right insurance coverage.

It’s a legal requirement for builders to have insurance, so not only does it give you reassurance in situations that could be dangerous, it makes good business sense. By carefully considering the specific needs of your construction business and consulting with an insurance professional, you can tailor your insurance portfolio to suit your requirements and work more confidently.

If you’re wondering what insurance builders need, we’ll walk you through the various types in this extensive guide. We’ll explore scenarios in which you might require each insurance and the benefits of having adequate insurance coverage.

Public liability insurance

Builders need public liability insurance, which is pretty fundamental as it covers you in case someone (like a client or a passerby) is injured or their property is damaged as a result of your construction work. Accidents can happen, and without this insurance, you could be held financially responsible for medical bills or property damage claims.

Scenarios when you might need public liability insurance include:

– A passerby trips over debris near your construction site and sustains injuries.

– You accidentally damage a client’s property while working on their project.

Employers’ liability insurance

Employers’ liability insurance is a legal requirement for anyone in the UK employing staff, even on a casual or temporary basis. This insurance covers your employees if they’re injured or become ill due to their work. Failing to have this insurance can result in significant fines.

Here are a couple of scenarios in which you might need employers’ liability insurance:

– One of your employees sustains an injury on the job.

– An employee develops a work-related illness, such as exposure to hazardous materials.

Do self-employed builders need insurance?

Self-employed builders still need insurance. In fact, insurance is just as important for sole traders as it is for larger construction companies. While the specific insurance requirements may vary depending on the size and nature of your construction business, having adequate insurance coverage will protect you against legal fines and financial risks arising from accidents or damages.

Many people require proof of insurance before hiring a builder. Having this in place can make you a more attractive and reliable option for potential clients, as they want to ensure that they won’t be financially burdened in case of any mishaps during the construction project. Being insured demonstrates professionalism and a commitment to the safety and wellbeing of your customers and employees. It can enhance your reputation and build trust among your clients and partners.

In addition, self-employed builders often operate as sole proprietors, which means their personal assets can be at risk if they’re personally liable for accidents, injuries, or damages on a construction site. Insurance can help protect your personal assets from being used to cover liabilities related to your business.

Do owner-builders need insurance?

Owner-builders do usually need insurance, as they are professionals who take on the responsibility of managing and overseeing their own construction or renovation projects, often acting as their own general contractor. Specific insurance types owner-builders may need include:

Contract works insurance*: This insurance provides coverage for the construction work itself, including the building structure, materials, and tools. It can protect against risks such as fire, theft, vandalism, or damage to the construction project during the course of the work.

Home warranty insurance*: In some jurisdictions, owner-builders may be required to obtain home warranty insurance, especially when building a new home. This insurance covers defects or incomplete work after the construction project is finished, ensuring that future homeowners are protected.

Builders’ risk insurance*: If you’re an owner-builder, you need builders risk insurance for renovations. It’s particularly important for substantial renovations and new construction. Builders’ risk insurance protects against damage or loss to the structure while it’s being worked on, due to events like fire, theft, or vandalism.

How much public liability insurance does a builder need?

The amount of public liability insurance a builder needs can vary depending on several factors, including the size and type of projects you take on, your specific circumstances, and contractual requirements. There’s no one-size-fits-all answer, but here are some factors to consider when determining how much coverage is appropriate:

Contractual requirements: Some clients or construction contracts specify that you must have a minimum level of public liability insurance. In such cases, you will need to meet those requirements to secure the contract.

Project size and scope: The size and scope of your construction projects will determine the coverage you need. Larger and more complex projects may require higher coverage limits. You’ll need to take the potential risks of the work you do into account, including the possibility of accidents or damage to third parties.

Industry standards: Research industry standards and practices within your region to get an idea of what is typically required. Each sector of the construction industry has its own expectations for insurance coverage.

Asset protection: Evaluate your personal and business assets. Your insurance coverage should be sufficient to protect your assets in case of a liability claim. Consider what you stand to lose if a significant claim were made against you.

Client expectations: Think about the expectations of your clients. Some clients may prefer or require higher coverage limits to ensure they are adequately protected.

Risk assessment: Conduct a risk assessment of your work. Weigh up the potential risks you face in your day-to-day operations and how much coverage would be necessary to mitigate those risks. Think about the worst-case scenarios and plan accordingly.

Legal requirements: Ensure that you meet the legal requirements for Public Liability Insurance in your jurisdiction. In the UK, there is no specific minimum coverage amount required by law, but you must have adequate coverage to meet potential liability claims.

Workers’ compensation insurance: If you hire workers to help with your construction project, you may need workers’ compensation insurance to cover their medical expenses and lost wages if they’re injured on the job. The specific requirements for workers’ compensation insurance vary by location and the number of employees.

It’s important to note that the coverage amount should be enough to cover potential claims, including legal fees, medical expenses, property damage, and other associated costs. As a rough guide, amounts of £1 million to £5 million are common for many builders in the UK. However, some projects, especially those in high-value or high-risk sectors, may require even higher limits.

Get Builders Insurance with Protectivity

Being a builder involves an assortment of inherent risks, so it’s crucial to be prepared for unexpected events that can disrupt your projects and your livelihood. Having the right insurance coverage in place can provide peace of mind, protect your business, and ensure that you can continue to provide your valuable services without worrying about the financial impact.

Protectivity’s Builders Insurance offers protection against a range of events, so you have the assurance you need to focus on doing your job well. Our Public Liability offers up to £5 million worth of cover arising from accidental injury to a client, or property damage. Employers’ Liability includes up to £10 million of compensation if one of your staff members is injured while working. You can also choose the Products Liability extension, which will protect you in the event that claims are brought against you over third-party products. If you want to insure your tools and equipment, we’ve got you covered as we now offer tools insurance.

Find out more about our liability insurance for tradesman and get an instant quote tailored to your business needs. If you have any questions, our team are on hand to help.

*Not all insurance benefits listed in this guide are included in our Builders Insurance policy. Be sure to check policy documents to make sure you have the correct cover for your needs.

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20:59:46 BST • 6 October 2025

Sole Trader vs. Ltd. Company: What’s the difference?

26 March 2024

•

9 mins read

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Running a business involves various critical decisions, with none more significant than choosing the right business structure.

If you’re wondering whether to set up as a limited (ltd.) company or a sole trader, the decision isn’t one to take lightly. You may be eligible for both and they each carry a range of benefits. From understanding their definitions to exploring tax obligations, it’s important to arm yourselves with as much knowledge as possible to make your business a success.

In this comprehensive guide, we’ll give you all the essential information on operating as a sole trader vs a ltd. company.

What is a sole trader?

In the UK, a sole trader is the simplest form of business structure, where one person runs a business as a self-employed entity. Operating as a sole trader involves minimal bureaucratic hurdles, so it’s an attractive option for anyone starting small enterprises. Sole traders have complete control over their businesses and retain direct access to all profits.

The process of becoming a sole trader is relatively straightforward. You must register with HM Revenue and Customs (HMRC) for self-assessment and adhere to taxation and reporting requirements. Sole traders are responsible for managing their own financial records and filing tax returns on time.

What is a limited company?

In contrast to a sole trader, a limited company is a distinct legal entity separate from its owners. It provides a higher level of protection to the owners, known as shareholders, as their liability is limited to the amount invested in the company. This structure requires formal registration with Companies House, involving the submission of various documents detailing company structure and operations.

The shareholders own the company, and its operations are overseen by directors. Limited companies are subject to corporation tax on profits, which is separate from the personal income tax paid by sole traders.

Advantages and disadvantages of sole trader’s vs a Ltd. company

If you’re wondering whether it’s better to be a sole trader or a limited company, there are pros and cons to both. Operating as a sole trader offers distinct advantages and disadvantages. On the positive side, the simplicity of setting up and managing a sole proprietorship is a major advantage. Sole traders have full control over their businesses, allowing for quick decision-making without the need for extensive consultations.

Another advantage is the direct access to profits. As the sole owner, any profits generated by the business belong entirely to them. This autonomy means efficient financial management and the ability to reinvest profits according to the owner’s priorities.

However, the most significant disadvantage of being a sole trader is the concept of unlimited liability. In the unfortunate event of business debts or legal issues, the sole trader’s personal assets are at risk, including their home and savings. This risk factor can deter entrepreneurs who want to protect their personal wealth.

Access to capital can also be challenging for sole traders, as financial institutions may see them as riskier, compared to limited companies with multiple shareholders.

Advantages and disadvantages of limited companies’ vs sole traders

Limited companies come with their own set of advantages and disadvantages. One key advantage is the limited liability protection afforded to shareholders. Unlike sole traders, the personal assets of shareholders are separate from those of the company. This provides a crucial layer of security, mitigating risks associated with business debts and legal liabilities.

Additionally, limited companies often enjoy increased credibility in the business world. This can be advantageous when attracting investors, negotiating contracts, or building relationships with clients who may prefer the stability associated with a corporate structure.

From a financial perspective, limited companies can benefit from tax advantages, such as lower corporate tax rates and the ability to optimise personal and corporate tax planning.

While there are benefits of a ltd. company vs a sole trader one, they come with corresponding disadvantages. Limited companies face more complex administrative requirements, including the submission of annual financial statements to Companies House. This increased scrutiny can compromise privacy, as financial information becomes publicly accessible. Decision-making can also be more intricate in limited companies, involving a balance between the interests of shareholders and the decisions made by directors.

Can one person own a limited company?

Yes, in the UK, a limited company can be owned and operated by a single person. They assume the roles of both the sole director and shareholder. While, as director, they oversee the day-to-day operations and decision-making, they also hold shares in the company, representing ownership.

This structure, commonly known as a ‘sole director and sole shareholder’ setup, is a popular choice for entrepreneurs who want the benefits of a limited company while maintaining complete control over the business.

While a single-person ownership structure is allowed, you should be aware of the associated responsibilities and obligations that come with being a director and shareholder. You’ll still need to adhere to the legal and regulatory requirements imposed on limited companies with more employees.

How to change from a sole trader to a limited company, or vice versa

Transitioning from a sole trader to a limited company, or vice versa, is a significant decision that requires careful consideration and proper execution. The way that you’ll do this has numerous similarities whichever way you’re switching, though there’ll be subtle differences to be aware of.

Here are the general steps involved for each.

Changing from a sole trader to a limited company

Register with Companies House: To become a limited company, you need to register with Companies House. This involves choosing a unique company name, defining the company’s structure, and appointing at least one director.

Inform HMRC: Notify HM Revenue and Customs (HMRC) about the change in your business structure. This involves updating your tax status and ensuring compliance with new tax obligations.

Transfer assets and liabilities: Transition your business assets and liabilities from the sole trader entity to the newly-formed limited company. This includes updating contracts, agreements, and informing clients or customers about the change.

Open a business bank account: Establish a separate business bank account for the limited company to keep personal and business finances distinct.

Changing from a limited company to sole trader

Inform Companies House: Notify Companies House about the decision to cease operating as a limited company. This involves filing the necessary forms and meeting the legal requirements for dissolution.

Update HMRC: Again, you’ll need to inform HMRC of the change, being aware of any tax implications that may arise during the transition.

Transfer assets and liabilities: Similar to the process of becoming a limited company, adjust contracts, agreements, and notify clients or customers about the change in your business structure.

Close your business bank account: Close the business bank account associated with the limited company and open a new one for the sole trader entity.

Seeking professional advice, especially from accountants or business consultants, is crucial during this transition to ensure compliance with legal requirements and manage potential tax implications effectively.

What do you need to know about paying tax in the UK as a limited company or a sole trader?

Understanding the tax implications of your business structure is essential for compliance and effective financial management. It may help with your research to find a ltd. company vs sole trader tax calculator online, or to proceed with seeking the advice of an accountant.

Common considerations for both structures include:

VAT registration: Depending on the turnover, both sole traders and limited companies may need to register for Value Added Tax (VAT) and submit regular VAT returns.

Record keeping: Both structures are expected to maintain accurate financial records, including income, expenses, and transactions, for tax purposes.

Tax deadlines: Both sole traders and limited companies must meet specific tax deadlines, including filing annual tax returns and paying any taxes owed on time.

Here’s an overview of the different considerations for limited companies and sole traders.

Paying tax as a sole trader

Sole traders are subject to income tax on their business profits. The profits are declared on the annual self-assessment tax return, and tax is calculated based on the individual’s total income. They are also liable for Class 2 and Class 4 National Insurance Contributions (NICs), which contribute to state benefits and pensions.

Sole traders can benefit from various tax allowances and deductions, including the Annual Investment Allowance (AIA) for eligible capital expenditure and expenses related to running the business.

Paying tax as a limited company

Limited companies are subject to corporation tax on their profits. The current corporation tax rate is applied to the company’s taxable profits. If the company distributes profits to shareholders in the form of dividends, shareholders may be liable for dividend tax. The tax rates vary depending on the individual’s overall income.

If the limited company employs staff, it must operate a Pay as You Earn (PAYE) scheme and contribute to employee National Insurance.

Get small business insurance with Protectivity

In order to protect yourself and your business, it’s essential to take out the right insurance. We offer insurance for sole traders, and ltd company insurance from just £3.14 a month.

Protectivity’s small business insurance includes public liability up to the value of £5 million, employers’ liability for those who have a team, products liability and optional commercial legal protection.

Find out more and get an online quote tailored to your needs.

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21:40:29 BST • 6 October 2025

How much do Massage Therapists Earn in the UK?

20 March 2024

•

8 mins read

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Massage Therapy can provide a varied career supporting customers with a more holistic approach to mental and physical health and wellbeing. With the wellbeing sector in the UK still maintaining a steady growth rate, demand for massage services is consistent and wages higher than average.

The average salary for a massage therapist in the UK is £18.00 per hour. However, this figure can vary depending on a variety of factors. This could be where you work as massage therapists in the UK, the level of experience you have and how specialist the services are that you offer.

Hourly Range:

Massage therapists earn between £8.07 and £48.69 per hour, depending on their expertise and the type of massage they offer.

Annual Earnings:

Based on a 20-hour working week, this translates to an annual salary range of £8,392.80 to £50,637.602.

What massage services are most in demand?

Whether you’re looking to get into massage therapy or thinking of specialising it’s worth doing some research into the most popular services customers want to book. This will help to increase your earning potential by targeting a wider pool of potential customers. You may also want to read our tips on How to become a massage therapist.

Here are some of the most popular massages to offer in the UK:

1. Swedish Massage

Swedish massage is a popular and widely practiced form of therapeutic massage that focuses on promoting relaxation and overall well-being. The method is commonly sought after for stress relief and relaxation and has become a foundational technique in Western massage therapy.

The primary purpose of Swedish massage is to relax tight muscles, promote blood circulation, reduce stress and tension, and boost immunity through improved lymphatic drainage. It is commonly chosen for its gentle and soothing nature, making it suitable for individuals seeking stress relief, relaxation, or those new to massage therapy.

2. Deep Tissue Massage

Deep Tissue Massage is a therapeutic approach that specifically targets the deeper layers of muscles and connective tissues. It proves to be highly effective for addressing chronic pain, muscle tension, and facilitating injury recovery.

It plays a crucial role in breaking up scar tissue formed post-injury and alleviating tension in muscles and tissues. The promotion of healing is facilitated through potential increased blood flow and reduced inflammation.

3. Sports Massage

A sports massage is a specialist form of massage that targets muscles and joints used in a specific sport. It employs various techniques to reduce muscle pain, enhance recovery, and improve flexibility. Geared toward athletes and active individuals, the technique can aid in muscle recovery, flexibility, and injury prevention.

4. Hot Stone Massage

A hot stone massage is a type of massage therapy that uses smooth, flat, heated stones placed on specific parts of your body. These stones are typically made of basalt, a type of volcanic rock that retains heat. The heated stones are placed on specific points to relax muscles, enhance circulation and relieve tension.

5. Prenatal Massage:

Catering to pregnant women, prenatal massage helps alleviate discomfort associated with pregnancy, such as back pain and swelling. Therapists focus on providing a safe and soothing experience for expectant mothers.

Prenatal massage is generally considered safe during a healthy pregnancy, but consultation with a healthcare provider is recommended, especially if there are any complications or high-risk factors. Massage therapists need a good understanding of different stages of pregnancy and encourage expectant mothers to share their concerns.

6. Thai Massage:

Thai massage, also known as Thai yoga massage, is a traditional form of bodywork that originated in Thailand over 2,500 years ago. Drawing from traditional Thai healing techniques, Thai massage incorporates stretching, compression, and acupressure. It is sought after for its holistic approach to wellness.

Instead of lying on a massage table, you lie on a mat on the floor during a Thai massage. Stretching, pulling, and rocking techniques to manipulate your body, aiming to stimulate organs and improve flexibility. Unlike other forms of massage, you remain fully clothed during a Thai massage, wearing comfortable attire that allows movement.

How to increase Earnings as a Massage Therapist?

Specialise

Consider becoming an expert in a specific type of massage (e.g., sports massage or prenatal massage). These services are often more widely in demand and can attract a niche clientele willing to pay a premium. Alternatively, you can provide a broader range of massage, increasing repeat business with a greater choice for customers.

Build a Client Base

It goes without saying that you’ll want to offer exceptional service to your clients. Massage therapists often find word-of-mouth referrals a particularly good way to increase their customer base.

You could consider loyalty programs or discounts for repeat customers to further encourage this. Networking at local events and other wellbeing professionals can also help to expand your reach to further customers.

Training & Qualifications

Staying updated with industry trends and techniques is important in any sector. You could enhance your professional development by attending workshops, conferences, and advanced training courses.

Broadening your qualifications will add credibility to your services and allow you to charge a higher rate based on a higher level of experience.

Marketing and Branding

Create an online presence through a professional website and social media, showcasing your expertise including client testimonials.

Distribute flyers, business cards, and brochures to local businesses, gyms, and health centers. Offer promotions for first-time clients.

Partner with other local businesses, such as spas, gyms, or wellness centers, to cross-promote services and expand your reach.

Exceptional Customer Service

Seek feedback from clients and use it to improve your services. A satisfied customer is more likely to become a repeat customer, which will in turn lead to more consistent income.

Maintaining a clean and professional environment. Professionalism fosters trust and can contribute to a positive client experience.

Reduce costs & Expenses

If you’re self-employed or a small business owner, however much you earn, if you’re not on top of expenses costs can quickly creep up and affect what you earn. Manage your time effectively to maximise time spent with clients rather than getting wrapped in admin tasks.

Where you work could have a big impact; mobile massage or home-based massage therapists will have lower costs of workspace compared to hiring a room in a gym for example.

Whatever you’re buying for your business it’s sensible to shop around for the best deals. Buying items in bulk, you know you’ll need in the longer term and setting a realistic budget to stick to.

What are the highest paying cities in the UK?

According in Indeed.co.uk here are some of the highest paying cities where massage therapists tend to earn more:

Nottingham: £22.40 per hour
London: £22.14 per hour
Manchester: £20.04 per hour
Reading: £18.04 per hour
Basingstoke: £17.96 per hour
Leeds: £17.69 per hour
Birmingham: £17.29 per hour
Bristol: £16.54 per hour
Edinburgh: £16.39 per hour

What massage therapists make the most money?

Medical or Clinical Massage Therapists:

These therapists work closely with healthcare professionals, such as chiropractors, physical therapists, or physicians. They often focus on treating specific medical conditions or injuries, which may lead to higher earning potential due to the specialist nature of their work.

Sports Massage Therapists:

Professionals specialising in sports massage often work with athletes to prevent injuries, promote recovery, and enhance performance. You may find opportunities in elite sports teams, fitness centers, or rehabilitation facilities, potentially leading to higher earnings.

Self-Employed or Private Practitioners:

Massage therapists who establish their private practices or work as freelancers may have the potential to earn more, as they can set their own rates and retain a larger portion of the fees. However, they also need to consider business expenses and the challenges of self-employment.

Specialist Services:

Therapists who specialise in certain niche or high-demand services, such as deep tissue massage, or prenatal massage, may attract clients willing to pay premium rates, especially if this is combined with experience and a strong reputation.

High-End Spas and Resorts:

Massage therapists working in luxury spas, resorts, or high-end wellness facilities may earn higher incomes, especially if they cater to affluent clientele who are willing to pay more for a premium experience.

Get Massage Therapist Insurance with Protectivity

Ensuring you have the specialist insurance you need as a massage therapist is essential to help protect you from costly financial losses.

Protectivity’s massage therapy insurance offers a range of cover options with over 200 therapies covered in the policy. Other benefits include public liability that will cover you up to £5 million if a client sues you for injury or property damage. Our professional indemnity will protect you in the case of legal costs being brought against you from advice you give out to clients. We also offer up to £3,000 of equipment cover, which protects the items you use to operate your business.

Find out more and get an online quote. If you need any support, our team are available to answer any questions.

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09:40:40 GMT • 11 November 2024

How to Become a Joiner

13 March 2024

•

8 mins read

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Joinery can be a rewarding career for anyone who loves woodwork, and the idea of creating high-quality structures for clients in the construction industry. If you’re wondering how to become a joiner in the UK, it’s essential to grow your knowledge of this profession.

Whether you’re transitioning careers or looking to capitalise on an existing passion, you’ll need to know everything from the required qualifications to the financial prospects, challenges, and daily responsibilities. You can then look into the niches you could go on to specialise in within joinery, empowering you to strengthen your offering.

In this guide, we’ll provide a detailed roadmap for how to become a joiner.

How do I become a joiner?

To become a joiner in the UK, you’ll generally need to follow these steps:

Research the profession: Understand the duties and requirements of a joiner to ensure it fits with your interests and career goals.

Gain relevant education: Enrol in a carpentry and joinery course at a college or training centre. An apprenticeship could take the place of a college course, if you find construction companies offering them; see more in the next step.

Complete an apprenticeship: Even if you’ve already studied and qualified at college, for example, practical experience is crucial in joinery. An apprenticeship provides hands-on training under the guidance of experienced professionals, to further cement what you’ve learned.

Pursue further qualifications: You could look at gaining NVQ levels two and three in Carpentry and Joinery, to enhance your qualifications.

Build a portfolio: Document your work throughout your training, creating a portfolio that showcases your skills and craftsmanship.

Apply for jobs or self-employment: Look for joinery positions with construction companies or consider starting your own business if you prefer working independently.

Continued professional development: Stay informed about industry trends and consider additional courses or certifications to enhance your expertise.

We’ll go into more detail around some of these areas throughout the article.

What skills do I need to become a joiner?

Successful joiners have a combination of technical, practical, and interpersonal skills. These include:

Precision and attention to detail

Problem-solving

Hand-eye coordination

Communication skills

Physical fitness

Creativity

Teamwork

Time management

Developing and refining these skills through education, apprenticeships, and on-the-job experience is essential for a successful career in joinery.

What qualifications do I need to become a joiner?

To summarise, the typical educational path of a joiner may include some or all of the following:

GCSEs or equivalent

Carpentry and joinery courses

Apprenticeship

NVQ qualifications

What are the responsibilities of a joiner?

The responsibilities of a joiner encompass a range of tasks related to making, installing, and maintaining wooden structures and components. Joiners commonly:

Read and interpret technical drawings: You’ll need to understand and follow detailed drawings to create precise wooden components.

Measure and cut materials: Accurate measurement and cutting of wood are fundamental tasks in joinery, to ensure a proper fit and finish.

Assemble and install structures: Joiners assemble components on-site, ensuring they fit seamlessly and are securely fixed.

Repair and maintain wooden structures: Joiners may be called upon to repair or restore existing wooden elements, requiring skills in restoration techniques.

Use hand and power tools: Proficiency with a variety of tools, both manual and power-driven, is essential for a joiner to shape, cut, and finish wood.

Collaborate with other professionals: Joiners often work closely with architects, builders, and other tradespeople to ensure projects are completed successfully.

These responsibilities highlight the diverse skill set required in joinery, combining precision, creativity, and technical expertise.

How long does it take to become a qualified joiner?

If you’re wondering how long it takes to become a joiner, it depends on how much time you have to learn. Becoming a qualified joiner in the UK typically involves a combination of education, apprenticeship, and on-the-job training. You could take a full-time apprenticeship and become qualified in two years; if you study part-time it could take four. If you want to develop a niche or be a master carpenter, the journey can span several years.

After completing an apprenticeship, some joiners may choose to pursue further qualifications, such as NVQ (National Vocational Qualification) levels two and three in Carpentry and Joinery. This additional training can take an extra one to two years.

Do joiners make good money?

Joiners in the UK can earn a decent income, with the salary likely to vary based on factors like experience, location, and specialisation. Entry-level joiners may earn around £18,000 to £25,000 per year. With experience, this figure can rise to between £30,000 and £40,000, while highly skilled or specialised joiners may command even higher salaries.

Self-employed joiners have the potential to earn an attractive income, as they can set their own rates and take on various projects. The average daily rate in the UK is around £300.

Is joinery a hard job?

Joinery is a physically demanding and mentally challenging profession. The work involves using various hand and power tools, lifting heavy materials, and precision in crafting woodwork. Joiners often face tight deadlines, requiring them to manage time effectively. The job can also be mentally taxing, as joiners need to interpret technical drawings, solve problems, and communicate effectively with clients and other professionals.

Despite its challenges, many find joinery rewarding due to the tangible results of their craftsmanship and the satisfaction of bringing designs to life. The difficulty level can vary depending on the complexity of projects, your skills and experience.

What is the difference between a joiner and a carpenter?

While the terms joiner and carpenter are often used interchangeably, there are distinctions in their roles. Joiners mainly focus on designing, making and assembling wooden components in a workshop, such as doors, windows, and furniture. They typically work with a high level of precision and attention to detail.

Carpenters are involved in on-site construction work, installing wooden structures, frameworks, and finishes. They may also work with other materials, such as metal and concrete.

What types of joinery can I specialise in?

Joiners can choose to specialise in various areas based on their interests and skill sets. Choosing a specialisation allows you to refine your skills in a particular area and cater to specific client needs. It can also open up opportunities for niche markets and higher-paying projects.

Some common specialisations within the field of joinery include:

Bespoke joinery: Creating custom, one-of-a-kind pieces such as fitted wardrobes, bespoke furniture, and intricate woodwork tailored to a client’s specifications.

Architectural joinery: Specialising in the creation of wooden elements for buildings, including doors, windows, stairs, and other architectural features that require precision and attention to detail.

Restoration joinery: Focusing on the repair and restoration of historical or antique wooden structures, preserving their original craftsmanship and ensuring authenticity.

Furniture joinery: Creating a variety of furniture pieces, ranging from traditional to contemporary designs, often working closely with designers or producing original pieces.

Kitchen and bathroom joinery: Designing and installing custom kitchen and bathroom cabinets, countertops, and other wooden fixtures, combining functionality with aesthetic appeal.

Boat joinery: Specialising in the construction and repair of wooden components for boats, including cabinetry, decking, and other marine-specific joinery

Exterior joinery: Involving the creation and installation of wooden elements for the outside of buildings, such as cladding, balconies, and outdoor structures.

How do you become a joiner at 30?

Becoming a joiner at the age of 30, or 40 and upwards for that matter, is entirely feasible. Many people change career or decide to pursue their passion for woodworking later in life. You can follow the same steps to enter the industry that you would at any other stage.

Becoming a joiner at 30 or older can allow you to bring a wealth of life experience, dedication, and a fresh perspective to the profession. Embrace the learning journey and with determination, you can successfully transition into a fulfilling new vocation.

Get Carpenters Insurance with Protectivity

Protecting your business is crucial. That’s why it’s always smart to take out carpenters’ insurance, to safeguard against property damage, injuries, or accidents that may occur during woodwork projects. Our insurance for tradesman not only provides more financial security for you, but it also cements trust with clients, demonstrating professionalism and responsibility in the face of potential uncertainties. We now also offer comprehensive tools insurance for tradesman.

Protectivity’s carpenters insurance has public liability with up to £5 million worth of cover, as well as employers’ liability for those who employ staff. You can also choose the products liability extension for claims arising from third-party goods. Our optional commercial legal protection is designed for specific issues and gives you access to a legal helpline.

Get Carpenters Insurance from Protectivity

Last updated by

22:01:46 GMT • 22 January 2025

Dog & Pet Events in 2024

6 March 2024

•

9 mins read

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The Pet Event scene has already got off to a roaring start this year and pets and owners are geared up for some treats ahead. Pet culture has transformed in recent years with 1 in 4 pet owners now reporting to have a social media account for their pets. As we’ve become absorbed (well…obsessed) with social media sensations, the event scene is no different and the experiences on offer are as mad and marvelous as you’re prepared to go.

For the traditionalists amongst you the old favourites are firm fixtures with classic dog shows and specialist animal extravaganzas to visit throughout the country. Dog lovers can take their pick of canine celebrations from doggy festivals with celebrity guests, workshops and all the latest pet products for your doting companion. Let’s look at the highlights ahead of us and a few tips to promote your business at the next pet event.

Crufts: The World’s Greatest Dog Show

7-10 March 2024

The best in show of dog events has got to be the world-famous Crufts. Held annually at the NEC Birmingham, Crufts is the world’s largest dog show, attracting competitors and spectators from around the globe.

With 18,000 dogs competing in 2024 Crufts is a showcase of the finest canines, meticulously trained and groomed to perfection. Beyond the competitions, visitors can explore the Discover Dogs area, watch the finals of Scruffts, the crossbreed competition and explore the 500 exhibitor stands for the latest products.

Groomfest

14^th April 2024 (South)

15^th September 2024 (North)

GroomFest 2024 is an exciting event tailored for dog groomers, combining workshops, talks and shopping, plus the chance to interact with other grooming professionals in the industry.

Enhance your skills with valuable insights and training for groomers. Learn about the latest techniques and equipment to ensure you stay at the cutting edge.

Explore a variety of stalls featuring specialist grooming products, tools, and accessories. Connect with fellow groomers, industry experts, and suppliers. Share experiences, exchange ideas, and build valuable relationships.

DogFest: A Festival Tailored for Dogs and their Humans

27th – 28th April: Loseley Park, Surrey

25th – 26th May: Ragley Hall, Warwickshire

8th – 9th June: Burghley House, Lincolnshire (NEW for 2024!)

15th – 16th June: Tatton Park, Cheshire

31st August – 1 September: Ashton Court, Bristol

7th – 8th September: Harewood House, Yorkshire

21st – 22nd September: Knebworth House, Hertfordshire

DogFest, set amongst some super posh backdrops at lavish country estates, is the upmarket dog event to be seen at. With multiple locations across the UK, now in its 10^th year DogFest combines thrilling dog shows, interactive activities, and expert talks on dog health and well-being, you may even see a few celebs.

Join the ‘Big Dog Walk’ where thousands of canines and companions meet up to ramble through the grounds. Get some behavioural tips from the experts to help understand the different training needs of your dog.

The festival also features a dedicated shopping village with every doggy-related product and service you’ll ever need.

Paws in the Park

18-19 May 2024 – Sussex

15-15 September 2024 – Kent

For a family day out in the Southeast, Paws the Park is jammed with activites to keep everyone entertained. Highlights here are the range of ‘Have-a-Go!’ activities that are laid on for fitness, fun, basics and working your pooch. Take your pal along to try some Canicross, Flyball or K9 Aqua Zone.

Take a look at the talent with some extraordinary displays from top performers. See some doggy dancing, stunt shows and search and rescue displays. If you’re feeling competitive why not enter your own canine companion, there’s a category for everyone!

Woofstock

14-16 June 2024 – Exeter

A Glastonbury style dog festival, Woofstock UK 2024 is an exceptional event that combines the love for dogs with music and festivities. It is a true celebration of all things doggy, the perfect day out for you and your pooch.

In the grounds of Powderham Castle, Woofstock transforms into a buzzing festival for dogs and their family companions. Expect dog shows, agility demonstrations, and a variety of stalls offering pet-related products and services. Transforming into a concert in the evening, Woodstock can entertain you further with a range of popular tribute bands, perfect for a sing or howl along.

Agility European Open

1-4 August 2024

For those who appreciate the athleticism and agility of our canine companions, the Canine Agility Championships are a must-see. Hosted by the Kennel Club in dedicated arenas with challenging courses, these championships bring together the fastest and most nimble dogs from various breeds.

Watch in awe as dogs navigate tunnels, weave through poles, and leap over obstacles with precision and speed. The championships showcase not only the incredible bond between handlers and their dogs but also the remarkable abilities that make each breed unique.

PATS 2024: Pet & Aquatic Trade Show

29 September – 30 October 2024

Whatever your pet business, PATS 2024 is the trade event to attend. This is the place to expand your business network, speak to suppliers, learn what’s new and be amongst your industry peers.

Exhibit your wares and check out the competition or alternatively find opportunities to see the latest products on the market, all things aquatics and dog grooming demos as well as advice and resources to get your own business off the ground.

How to promote your pet business at pet events in the UK

Promoting your pet business at events across the UK can significantly boost your brand visibility. As you can read above there are some big hitters in the pet event space to attend that could help attract potential customers and create lasting connections in the pet world. Here are some suggestions of how you can raise your profile exhibiting at pet events.

Local & Community Events

Participate in Local Events

Local events are often well attended by people and their pets, so take advantage of fairs and markets occurring in your local area. Set up a stall or display to showcase what you offer. Engage with attendees, share information about your business, and distribute promotional materials.

Partner with local organisations

Partner with animal charities, vets, or pet-friendly businesses in your area. You could team up to organise events or workshops to raise awareness for a relevant issue and promote your brands alongside.

Design an eye-catching Display

Design an attractive booth or display area. Use banners, posters, and signage that feature your business logo, tagline, and high-quality images of pets. Incorporate interactive elements like pet product demonstrations, mini grooming sessions, or pet photo booths. Encourage attendees to participate and engage with your brand.

If an animal is drowning, remove them from the water immediately. Clear their airway, perform rescue breathing if they’re not breathing, and check for a pulse. Administer CPR if necessary. Get in touch with a vet as soon as possible, even if the pet seems recovered, as complications may arise.

Promotional Giveaways

Merchandise

Everyone loves freebies so giving a way branded merchandise can help your brand be memorable. Consider themed, useful accessories such as leads, dog toys and treats.

Discount Vouchers

Provide event-specific discount codes for your products or services, encouraging attendees to redeem them within a specified time frame.

Social Media

Live Updates

Use social media platforms (Facebook, Instagram, TikTok) to share real-time updates from the event. Post photos, videos, and stories.

Event Hashtags

Creating a unique event hashtag can encourage attendees to engage with the event. Often event organisers will set up an event hashtag, which can help to increase your online visibility and connect you with a broader audience, combining their own social media following.

Email Marketing

At the event, collect a list of email addresses from interested attendees. Ask if they’d like to receive updates, special offers, or newsletters. After the event, send a personalised email thanking attendees for visiting you and reminding them of exclusive event offers or discounts.

Workshops and Demos

Positioning yourself as an expert in your field provides a great platform to showcase your skills and services. Often larger events will have guest spots for industry experts to share essential tips of the day.

You could host short workshops or demonstrations yourself, either online or face-to-face, related to pet care, grooming, nutrition, or training. Special offers can help attendance and audience participation is a great way to engage with your customers.

Networking

Building relationships is a large part of exhibiting at events. Talk to fellow exhibitors, event organisers, and attendees to share experiences and gain industry insights and trends from other professionals. They’re also a great opportunity to discuss potential collaborations or partnerships.

Capture Feedback

Surveys

Events are a great opportunity to ask for real-time feedback from current or potential customers to help you stay ahead of the curve and offer the latest products and services available. Creating a short survey to ask visitors is an easy way to keep a record.

Reviews

If attendees’ express satisfaction with your products or services, ask for a review. Have a quick way of transforming it into a sharable piece of content, for example capture their positive experiences on camera and turn it into a striking social media post to help spread to the word.

Get Pet Business Insurance with Protectivity

Knowing your pet business is properly protected gives you peace of mind to focus on the more creative and fun side of your business, like attending Pet Events.

Protectivity’s Pet Business Insurance covers 14 different activities including insurance for dog walkers, pet sitters and more for a broad range of services in the sector. Offering public liability with between £1 million and £10 million of cover and key cover up to £10,000 for new keys and locks, if you enter a client’s property to walk their dogs.

Also included is equipment cover, non-negligent cover, and a close family extension and our care, custody and control cover provides up to £100,000 worth of cover for animals in your care. For additional extras choose employers’ liability and commercial legal expenses.

Find out more about our comprehensive pet business cover and get a quote today.

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11:42:01 GMT • 14 November 2024

What is the NAPIT scheme?

27 February 2024

•

8 mins read

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In the electrical industry, staying ahead requires not only technical expertise but also recognition and credibility. Among the various accreditation bodies, the National Association of Professional Inspectors and Testers (NAPIT) is a great choice for electricians seeking a mark of excellence in their field.

As an electrician, it’s important to understand the intricacies of the NAPIT scheme, its significance, the process of accreditation, and how it can shape and elevate your career. From the basics of memorising the acronym NAPIT in the first place, to exploring the nuances of certification, there’s plenty of information that can help you to make informed decisions about whether to pursue NAPIT and how to use it to your advantage.

Whether you’re an experienced electrician looking to enhance your credentials, or a budding industry newbie looking for a reliable path, it can be highly beneficial to grow your knowledge around the NAPIT scheme.

In this article, we’ll break down the NAPIT qualification guide, its benefits and how it can help both you and your clients. We’ll also provide guidance for a successful and fulfilling career as a NAPIT approved electrician.

What does NAPIT stand for?

NAPIT stands for the National Association of Professional Inspectors and Testers. It is a UK-based organisation that operates within the electrical and building services sector. NAPIT is a government-approved Competent Person Scheme (CPS), providing accreditation to professionals in the industry.

What is a NAPIT approved electrician?

A NAPIT approved electrician is an electrical professional who has successfully undergone the accreditation process with NAPIT. This involves demonstrating a high level of competence and compliance with relevant regulations and standards in the electrical industry.

Once you’re approved, you’ll receive a NAPIT certificate. This is proof that an electrician has been accredited and met the required criteria. It authorises you to self-certify your work, so that it complies with Building Regulations and meets the necessary safety and quality standards.

Clients and regulatory bodies often prefer or explicitly demand work to be carried out by NAPIT certified professionals, due to the assurance of quality and safety.

What is the difference between NICEIC and NAPIT?

While both NAPIT and NICEIC (National Inspection Council for Electrical Installation Contracting) are Competent Person Schemes in the UK, they differ in their operations.

NICEIC primarily focuses on electrical installation work, while NAPIT covers a broader range of building services, including electrical, heating, plumbing, and ventilation. Electricians can choose either scheme based on their specialisation and business scope.

Joining NAPIT as a certified electrician involves a straightforward step-by-step process.

Check eligibility

You’ll need to meet NAPIT’s eligibility criteria, including possessing relevant electrical qualifications such as City & Guilds 2365 or NVQ Level 3, and being up-to-date with the 18th Edition Wiring Regulations.

Gather documentation

Collect necessary documentation, including proof of qualifications, evidence of practical experience, and any additional certifications relevant to your field.

Complete the application form

Navigate to the NAPIT website and locate the section for membership or certification. Review the specific requirements and documentation needed for your application.

Fill out the online application form with accurate and detailed information. Provide all required documentation, confirming that it meets NAPIT’s standards.

Submit application

Submit your completed application form and supporting documents through the online portal. Pay any associated application fees, which may vary based on the specific services.

Assessment process

NAPIT will assess your application, reviewing your qualifications, experience, and documentation. This process may involve a thorough examination so that they can verify you comply with industry standards.

Receive approval

Upon successful assessment, you should receive approval from NAPIT. You’ll then be officially recognised as a NAPIT approved electrician.

Access member benefits

Enjoy the benefits of NAPIT membership, including the ability to self-certify your work, enhanced professional credibility, and access to resources and networking opportunities within the NAPIT community.

What qualifications do I need to join NAPIT?

To join NAPIT, electricians need a relevant and recognised electrical qualification, such as City & Guilds 2365 or NVQ Level 3. You may also need the 18th Edition Wiring Regulations qualification; you must also be up to date with industry knowledge and regulations.

NAPIT may also consider your practical experience and competence, ensuring that you have the necessary skills to carry out electrical work safely and efficiently. Find out more on qualifications for electricians.

How much does it cost to register with NAPIT?

It currently costs from £605+VAT (in 2025), with renewal fees from £540+VAT. While the initial investment may seem significant, the benefits of NAPIT accreditation, including increased business opportunities and customer confidence, often outweigh the associated costs in the long run.

The cost of registering with NAPIT can vary based on the specific services an electrician requires. There are fees associated with membership, assessment, and additional services such as insurance. It’s essential for electricians to view NAPIT registration as an investment in their professional development and business success.

Do electricians with a NAPIT certification still need third party inspections?

The self-certification privilege, granted under the Competent Person Scheme (CPS) operated by NAPIT, means that you won’t need to involve external inspectors for every project. However, it’s important to note that the frequency of third-party inspections may still vary based on the specific circumstances. While routine inspections for each project are not mandatory for NAPIT certified electricians, local authorities or clients may request occasional or random inspections to ensure ongoing compliance.

Electricians are still accountable for maintaining high standards and adhering to safety regulations, but the freedom to self-certify provides a level of autonomy that can benefit both the electrician and the clients. It’s advisable to stay informed about any updates or changes in regulations that may affect the inspection requirements, adjusting your practices accordingly.

How can a NAPIT certification help an electrician’s career?

While a NAPIT certification is not a mandatory requirement to work as an electrician in the UK, obtaining one can significantly benefit your career. Firstly, it provides a competitive edge in the industry, as clients and stakeholders are aware of the high standards associated with NAPIT accreditation. It serves as a valuable mark of competence, safety, and a commitment to professionalism. Clients will often prioritise certified professionals for their projects.

Additionally, because NAPIT certified electricians can self-certify their work, they reduce the need for third-party inspections and expediting project timelines. This can enhance customer trust and satisfaction, leading to increased business opportunities and repeat clients. The self-certification ability also streamlines administrative processes, making your services more efficient and attractive to potential clients.

Marketing yourself as a NAPIT approved electrician – checklist

Marketing yourself as a NAPIT approved electrician involves strategic steps to emphasise your accreditation and expertise.

Branding & Visual Identity

Display the NAPIT logo prominently on all marketing materials (e.g., website, business cards, vehicle signage).
Ensure all branding reflects professionalism and aligns with your NAPIT status.

Online Presence

Create a professional website featuring:

Your NAPIT certification
Your qualifications and skills
Customer testimonials and case studies

Use social media to:

Share valuable, industry-relevant content
Engage with followers regularly
Position yourself as an expert in your field

Directories & Visibility

List your business in online directories, especially:
The NAPIT website directory
Local business and trade directories

Networking & Industry Engagement

Attend industry events, trade shows, and local networking groups
Connect with potential customers and collaborators
Talk about your NAPIT accreditation and its benefits

Content & Promotion

Create and share educational content (e.g., blogs, videos, FAQs)
Offer promotions specifically for NAPIT-approved services
Collaborate with local businesses for cross-promotion opportunities

Professional Credentials

Highlight any additional certifications and memberships
Emphasise your commitment to continuous professional development

Customer Service & Referrals

Provide outstanding customer service
Encourage referrals and word-of-mouth recommendations

Get Electricians’ Insurance with Protectivity

To protect your business, it’s crucial that you incorporate insurance into your costs. Even the most professional electricians aren’t safe from accidents or having claims brought against them, so insurance offers financial protection against potential risks and liabilities inherent in their work. This ensures that any unforeseen incidents won’t leave you with significant financial setbacks or legal challenges.

Protectivity’s electricians insurance features public liability with up to £5m worth of cover, as well as employers’ liability insurance, if you have a team. Our products liability is designed to protect against claims around third party goods.

Find out more about our tradesman insurance and get a personalised quote online. If you need any support, our team are on hand to help.

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16:51:50 BST • 27 May 2025

How Long Should Landlords Take to Repair a Property?

22 February 2024

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8 mins read

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If you’re wondering how long a landlord has to fix something in the UK, there are various factors to consider. Maintaining a clear and transparent relationship between landlords and tenants is essential in ensuring that repairs are addressed promptly and efficiently. Landlords should communicate expectations, provide a reliable system for reporting issues, and prioritise the safety and wellbeing of their tenants.

Tenants, on the other hand, should be proactive in reporting problems and know their rights to prompt and adequate repairs. By creating a respectful, cooperative environment, both parties can contribute to a positive renting experience.

In this guide, we’ll explore how long landlords have to fix problems in the UK.

How long is reasonable for tenants to wait for landlord repairs?

Tenants in the UK have the right to expect timely repairs, in order to maintain a safe and habitable living environment. The definition of a reasonable timeframe can vary based on the severity and urgency of the issue.

Generally, routine repairs that don’t pose an immediate threat to health or safety should be addressed within 14 days. However, urgent matters, such as a leaking roof or a broken heating system during winter, should be dealt with much more promptly, ideally within 24 to 48 hours.

It’s crucial for landlords to establish clear contact channels with tenants regarding repair timelines. Regular updates and transparent communication can go a long way in fostering a positive landlord-tenant relationship. In instances where the repair is delayed due to factors beyond the landlord’s control, such as waiting for special-order parts, landlords should keep tenants informed to manage expectations.

In cases where repairs are not addressed within a reasonable timeframe, tenants may have legal avenues to pursue, such as contacting environmental health or housing authorities. For this reason, it’s in a landlord’s interest to prioritise the prompt and efficient resolution of repair issues and avoid potential legal consequences.

How long does a landlord have to fix a boiler?

Landlords are generally expected to address boiler issues promptly. How long a landlord has to fix hot water can vary. Urgent repairs, especially during colder months, should ideally be completed within 24 to 48 hours. However, specific timelines depend on the severity of the problem and local regulations.

What is classed as an emergency repair for a landlord?

Emergency repairs are those that, if not addressed immediately, could pose a significant risk to the health, safety, or security of the tenant or the property. Examples of emergency repairs include:

Gas leaks: Any suspected gas leaks should be treated as an emergency, and the National Gas Emergency Service should be contacted immediately.
Burst pipes: A burst pipe can cause extensive damage to the property and belongings, so immediate attention is required.
Broken heating during winter: Lack of heating during cold weather can be deemed an emergency, especially for vulnerable tenants.
Serious electrical faults: Issues that could lead to electrical fires or pose a risk to the tenant’s safety.
Security issues: Broken doors or windows that compromise the security of the property.

Landlords are obligated to respond promptly to emergency repairs. If the landlord fails to address an emergency promptly, tenants may have grounds to arrange for the repair themselves and deduct the cost from future rent payments.

How much notice does a landlord have to give for major repairs?

When it comes to major repairs that may require access to the property or inconvenience the tenant, landlords are expected to provide reasonable notice. The length of notice can vary depending on the specific circumstances, but it’s generally considered fair to give at least 24 to 48 hours’ notice for non-emergency repairs.

Landlords should arrange a mutually convenient time with tenants for major repairs. If access is required in the tenant’s absence, landlords should make every effort to accommodate the tenant’s schedule. This is particularly important to honour the tenant’s right to quiet enjoyment of the property.

However, in emergency situations, where delaying repairs could cause further damage, landlords may have the right to enter the property without notice. It’s crucial for landlords to strike a balance between fulfilling their responsibility for property maintenance and respecting the tenant’s right to privacy and notice.

Which repairs are UK tenants responsible for?

While landlords are generally responsible for maintaining the structure and exterior of the property, as well as installations for the supply of water, gas, electricity, and heating, tenants have their own set of responsibilities. Tenants are typically responsible for:

Internal decorations: Including painting and minor repairs to the interior walls.
Minor maintenance: Simple tasks such as changing light bulbs and smoke alarm batteries, and unblocking sinks or drains caused by tenant misuse.
Gardening: Maintaining the garden, unless otherwise specified in the tenancy agreement.
Replacing consumables: Items such as filters in extractor fans, or batteries in carbon monoxide detectors.

It’s essential for landlords to outline these responsibilities clearly in the tenancy agreement, ensuring that tenants are aware of their obligations.

Which repairs are UK landlords responsible for?

Landlords bear the primary responsibility for keeping their property in a good state of repair and ensuring it meets health and safety standards. They are typically responsible for:

The structure of the property: This includes walls, roof, windows, doors, and floors.
Installations for water, gas, electricity, and heating: Ensuring these are in good working order and meet safety standards.
Sanitary fittings: Including baths, sinks, toilets, and drainage pipes.
Common areas: If the property is part of a larger building, landlords are responsible for maintaining shared spaces.

Regular inspections and maintenance schedules can help landlords identify issues early on and address them proactively, reducing the risk of major repairs in the long run.

What is the process for tenants reporting issues for repair?

Tenants should be encouraged to report problems as soon as they arise, to prevent them from escalating. Landlords, in turn, should respond promptly and acknowledge receipt of the reported issue. Landlords should establish a straightforward and efficient process for tenants to report issues. This can include the following steps:

Providing contact information: Ensuring that tenants have the landlord’s contact details, including emergency contact information if applicable.
Setting up a reporting system: Creating a formal system for tenants to report issues, whether through email, phone, or an online portal.
Establishing response times: Clearly outlining the expected timeframe for the landlord to respond to and address reported issues.
Emergency contacts: Providing tenants with information on who to contact in case of emergencies, especially outside standard working hours.

What are the most common types of repairs landlords have to carry out?

Landlords often encounter a range of repairs, with some being more common than others. These may include:

Plumbing issues: Leaks, blocked drains, or faulty taps.
Electrical problems: Malfunctioning sockets, switches, or appliances.
Heating and boiler issues: Breakdowns or loss of efficiency.
Roof repairs: Leaks or damage due to weather conditions.
Damp and mould: Addressing the root cause and treating affected areas.
Appliance repairs: Fixing or replacing malfunctioning appliances provided by the landlord.
Structural repairs: Any damage to the property’s structure, such as walls or foundations.

What rights do tenants have if landlords don’t deal with repairs?

If landlords fail to address repairs within a reasonable timeframe, tenants have several rights and avenues for recourse.

Seeking help from local authorities

If the landlord remains unresponsive, tenants can contact their local environmental health department or housing authority. These agencies have the power to inspect properties and enforce repairs if necessary. Tenants may be asked to provide evidence of their attempts to contact the landlord and details of the issues they’re facing.

Withholding rent

In certain circumstances, tenants may be legally entitled to withhold rent if the landlord fails to carry out necessary repairs. However, this should be approached with caution, and tenants should seek advice from legal professionals or relevant housing organisations before taking such action.

Repair and deduct

If the repair is urgent, tenants may have the right to arrange for the repair themselves and deduct the cost from their rent. This should only be done after notifying the landlord of the issue and giving them a reasonable opportunity to address it.

Compensation for inconvenience

In cases where a tenant has experienced significant inconvenience due to a landlord’s failure to address repairs, they may be entitled to seek compensation through legal channels.

Get rent guarantee insurance with Protectivity

When it comes to protecting your property business, taking out relevant insurance is one of the best steps you can take. This gives you a vital safety net against any claims that may be brought against you, in the event that any unforeseen incidents or damage may occur.

Protectivity’s rent guarantee insurance includes cover up to the value of £100,000, with rent guarantee for up to 24 months of unpaid rent. Rent recovery is designed to support with legal costs for disputes in this area, while tenant eviction covers legal action once notice has been served.

Find out more and get an instant quote online.

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09:40:40 GMT • 11 November 2024

How Much do Bricklayers Make?

20 February 2024

•

9 mins read

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In the construction industry, bricklayers contribute not only to the structural integrity of buildings but also to the aesthetic appeal that defines architectural landscapes.

When it comes to understanding the value of the profession and how much bricklayers make, there are various factors to take into account. These include the different career stages, the potential for entrepreneurial growth, the financial landscape, operational costs and business considerations.

In this in-depth guide around how much bricklayers get paid, we’ll help to give current and prospective bricklayers a comprehensive understanding of the profession. This can empower you to navigate the industry with expertise and financial acumen.

What value do bricklayers offer to clients?

Before looking at how much bricklayers earn in the UK, it’s helpful to look at the role they play in the construction industry. Their primary value lies in their ability to skilfully lay bricks, blocks, and other masonry materials, for the creation of sturdy and durable structures. They are indispensable when it comes to transforming designs into structurally sound, aesthetically pleasing constructions.

Beyond the manual labour, bricklayers interpret and implement architectural plans, collaborating with other construction professionals to bring a vision to life. Their precision is essential in achieving a level of craftsmanship that meets or exceeds industry standards, enhancing the overall quality and longevity of a construction project.

Additionally, bricklayers contribute to the energy efficiency and safety of buildings through their knowledge of proper insulation techniques and adherence to building codes. Their ability to work efficiently and adhere to project timelines adds significant value to clients who want their construction projects to be completed by a certain deadline.

How much do bricklayers get paid on average in the UK?

In the UK, bricklayers’ earnings can vary based on factors such as experience, location, and the type of projects they are involved in. On average, bricklayers can earn around £15 to £25 per hour. For a standard working day, which is typically eight hours, this translates to £120 to £200 per day. On a weekly basis, a bricklayer’s earnings can range from £600 to £1,000, while monthly earnings may be around £2,400 to £4,000.

Annually, a bricklayer’s income can be estimated at £28,800 to £48,000 on average. These figures will usually be lower for apprentices, while skilled and experienced bricklayers may command higher rates, especially if they specialise in certain areas or work on high-profile projects.

In terms of how much money bricklayers make per brick, this isn’t an exact science as they usually charge per hour or per project. However, if estimating labour costs per 1,000 bricks, it can range from £350 to £700 or more, depending on factors like experience, location, and project complexity. Actual rates for how much bricklayers charge per 1,000 bricks may vary.

How much can bricklayers get paid at different stages of their career?

Bricklayers can experience a progressive increase in earnings as they advance in their careers. Entry-level or apprentice bricklayers may start with lower hourly rates, typically in the £10 to £15 range. As they gain experience and proficiency, they can move into more advanced positions, earning higher wages.

Mid-career bricklayers, with several years of experience, may command hourly rates of £15 to £20 or more. Senior or highly skilled bricklayers, often with a decade or more of experience, can earn upwards of £38 per hour or negotiate project-based rates that are significantly higher.

Career advancement may also involve taking on supervisory roles, such as becoming a foreman or project manager, which can lead to salary-based compensation and additional benefits.

Can bricklayers make £100,000?

While it is uncommon for the majority of bricklayers to reach an annual income of £100,000 through standard hourly or daily wages, it is not impossible. Achieving such a substantial income would require a combination of factors, including extensive experience, specialisation in high-demand areas, and potentially taking on managerial or entrepreneurial roles within the construction industry.

People who secure contracts for large-scale, high-value projects, or establish successful bricklaying businesses, have the potential to surpass the six-figure mark. Additionally, bricklayers who diversify their skills, such as gaining expertise in related trades or pursuing advanced certifications, may increase their earning potential.

How much can a self-employed bricklayer earn?

Self-employed bricklayers have the opportunity to earn higher incomes compared to those working as employees. This is because of the flexibility to set their rates and take on multiple projects simultaneously. The hourly rates for self-employed bricklayers can range from £20 to £40 or more, or somewhere around £56,000 per year. This depends on their skill level, experience, and the nature of the projects they take on.

Self-employed bricklayers need to consider factors such as overhead costs, taxes, and irregular income patterns when determining their rates. Despite potential fluctuations, successful self-employed bricklayers can achieve competitive annual earnings if they consistently secure projects and manage their finances effectively.

What are the costs and expenses for bricklayer businesses?

Running a bricklaying business involves various costs and expenses that impact overall profitability. Key expenditures include:

Materials: Bricklayers need to purchase bricks, mortar, and other masonry supplies for each project.
Tools and equipment: Investing in quality tools and equipment is essential for efficiency and maintaining a professional standard of work.
Transportation: Bricklayers may need a reliable vehicle for transporting materials and equipment to and from job sites.
Insurance: Liability insurance and, in some cases, health and safety insurance, are crucial for protecting the business and its assets. Don’t forget tools insurance to ensure your equipment is covered too.
Training and certification: Continuous professional development and certification may incur costs but they can provide a good return on investment and contribute to staying competitive in the industry.
Marketing: Promoting a bricklaying business is essential for attracting clients. Costs in this area might include paid online advertising, networking events, radio adverts, website subscriptions, and other marketing strategies.
Overheads: This includes office space, utilities, and administrative expenses, if the business has a physical location.

Understanding and managing these costs are vital for maintaining a profitable bricklaying business.

How do I get started as a bricklayer?

Getting started as a bricklayer typically involves the following steps:

Education and training: Enrol in a bricklaying apprenticeship or training programme to acquire the necessary skills and knowledge.
Gain experience: Work as an apprentice or entry-level bricklayer to gain hands-on experience under the guidance of experienced professionals.
Obtain a certification: Consider studying for relevant certifications to enhance your credentials and competitiveness in the industry.
Build a portfolio: Document your completed projects and create a portfolio showcasing your skills and craftsmanship.
Network: Establish connections within the construction industry, including contractors, builders, and other professionals.

Entering the field with a solid foundation of skills, experience, and networking can pave the way for a successful career as a bricklayer.

How can bricklayers increase their earnings?

Bricklayers can strategically enhance their earnings through a combination of skill development, specialisation, networking, and entrepreneurial initiatives. Firstly, continuous professional development is essential. Staying informed on the latest industry techniques, materials, and technologies ensures that bricklayers remain competitive and can command higher rates for their expertise.

Specialisation within the field offers a lucrative way of increasing rates. Focusing on niche areas such as restoration and conservation, sustainable construction, or decorative masonry allows bricklayers to cater to specific client requests, meaning they’ll be happy to pay more.

Networking plays a pivotal role in expanding opportunities. Building strong relationships with other construction professionals can lead to referrals and premium projects. Also consider attending more general professional networking events, where you may gain referrals from people in other industries or even find clients directly. Positive client relationships and a good reputation for quality work contribute to a steady stream of work.

Entrepreneurship is another avenue for boosting earnings. Establishing and managing a bricklaying business allows owners to set their rates, take on larger projects, and potentially expand their services. Successful entrepreneurship requires effective marketing, project management, and financial acumen.

Finally, diversifying skill sets by obtaining certifications in related trades or advanced masonry techniques broadens the scope of services a bricklayer can offer. This versatility positions them as invaluable assets on complex projects, commanding higher compensation for their varied expertise.

What can bricklayers specialise in to earn more?

Bricklayers can specialise in various areas to enhance their earning potential:

Restoration and conservation: Specialising in restoring and conserving historical or heritage structures can be lucrative, as it requires a unique skill set and attention to detail.
Sustainable construction: With an increasing emphasis on environmentally friendly construction practices, bricklayers can focus on sustainable building methods and materials.
Decorative masonry: Mastering intricate designs and decorative elements can attract clients hiring for bespoke projects.
Specialised brickwork techniques: Learning and perfecting advanced techniques, such as arch construction, herringbone patterns, or complex brick bonds, can set a bricklayer apart from the competition.

Get Bricklayers Insurance with Protectivity

The best way to add value to your business, and protect your income, is to take out the relevant insurance.

Protectivity’s bricklayers insurance covers most building-related trades. Choose the type of cover that best meets the needs of your business, with a range of benefits. You can opt for public liability with up to £5m worth of cover, employers’ liability, products liability and more.

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

Get Bricklayers Insurance from Protectivity

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20:59:06 BST • 8 October 2025

How to become a career coach

15 February 2024

•

10 mins read

Contributors

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

Get career coaching insurance from Protectivity

Embarking on a career as a professional guide to success is not just a job; it’s a calling. As the professional landscape evolves, the demand for skilled career coaches in the UK is on the rise. So what exactly does it entail and how do you become one? What are the future prospects with this kind of work?

As more people become aware of this form of support, there’s more demand for a career coach’s services. This also means there’s an increasing amount of information, resources and professional networks to help you navigate this kind of work. Whether you’re a seasoned professional considering a career change or a recent graduate who feels called to guide others, you can harness your passion and your individual qualities to create something truly unique and valuable.

In this guide to how to become a career coach, we’ll explore the responsibilities of the role, the diverse spectrum of clients you could assist, the required qualifications and how to get started. From honing your interpersonal skills right to understanding the nuances of marketing your services, there’s plenty you can do to make this a rewarding career.

What is career coaching?

Career coaching helps individuals navigate their professional paths, make informed career decisions, and achieve their goals. As a career coach, you provide guidance tailored to different stages of a client’s journey. Recent graduates benefit from job search strategies and skill development, while mid-career professionals receive advice on overcoming obstacles and advancing in their fields.

For those undergoing career transitions, coaching offers crucial support in managing change, developing new skills, and building confidence in unfamiliar territory. Many individuals struggle with stepping away from established paths, and your role is to help them find clarity and direction.

Career coaches empower clients with self-discovery tools, aligning personal values with professional aspirations. Your expertise fosters growth and ensures clients achieve their career goals in a way that suits their unique circumstances.

Types of Career Coaching

There are several approaches to career coaching, each catering to different needs:

Executive Coaching – Focuses on leadership development, helping professionals in senior roles refine decision-making, communication, and management skills.
Career Transition Coaching – Supports individuals shifting industries, returning to work, or pursuing entirely new career paths.
Job Search Coaching – Assists with resumes, interview preparation, networking, and job search strategies to improve employment prospects.
Performance Coaching – Helps professionals enhance productivity, time management, and workplace performance.
Entrepreneurial Coaching – Guides aspiring business owners in building and managing successful ventures.
Work-Life Balance Coaching – Aims to help clients achieve a sustainable balance between career and personal life.

Each type of coaching addresses distinct career challenges, allowing professionals to find the right support for their specific needs.

Career coaching day-to-day

A career coach’s daily routine varies depending on their clients and work setting. While some coaches operate independently, others work within organisations, universities, or coaching firms.

Typical working hours

Career coaching offers flexibility, with many professionals setting their own schedules. Some work standard office hours, while others accommodate clients in the evenings or weekends. This flexibility allows career coaches to support a diverse client base, including working professionals and job seekers.

Working settings

Career coaches work in a variety of environments, including:

Private coaching practices
Corporate HR departments
Educational institutions such as universities and career centres
Online platforms offering virtual coaching
Recruitment agencies and outplacement services

Key responsibilities

A career coach’s role involves guiding and supporting clients through various aspects of career development. Common responsibilities include:

Conducting one-to-one coaching sessions
Understanding and discussing clients’ career aspirations
Administering and interpreting career assessments
Providing job search strategies and application guidance
Offering interview coaching to build confidence and improve performance
Reviewing and refining CVs, cover letters, and LinkedIn profiles
Assisting with skill development to enhance employability
Creating personalised career development plans
Delivering group sessions and workshops to reach a broader audience

Required qualifications

While no specific qualifications or degrees are mandatory, a background in areas such as psychology, counselling, HR or a related field is beneficial. However, obtaining certifications from recognised bodies enhances your credibility and helps you deepen your expertise as a career coach.

Professional Bodies in the UK

International Coaching Federation (ICF) – Offers globally recognised credentials such as:
- Associate Certified Coach (ACC)
- Professional Certified Coach (PCC)
- Master Certified Coach (MCC)
European Mentoring and Coaching Council (EMCC) – Provides accreditation and training pathways.
Chartered Institute of Personnel and Development (CIPD) – Offers coaching and mentoring qualifications tailored to HR professionals.
Association for Coaching (AC) – Provides training, accreditation, and ongoing professional development.

These certifications involve structured training, assessments, and adherence to ethical standards, ensuring coaches are well-equipped to support clients effectively.

Popular life coaching training courses

ILM Level 5 or Level 7 Certificate/Diploma in Coaching and Mentoring – Designed for those looking to integrate coaching into leadership or HR roles.
ICF-Accredited Coach Training Programs (ACTP) – Comprehensive training meeting ICF standards.
The Coaching Academy Diplomas – Offers specialised coaching diplomas, including career coaching.
Barefoot Coaching Postgraduate Certificate in Coaching – A highly regarded qualification accredited by EMCC and ICF.
Animas Centre for Coaching – Provides transformational coaching training with an ICF-accredited qualification.
University-Based Coaching Courses – Many UK universities offer coaching-related postgraduate certificates and diplomas.

Whichever route you choose – pursuing professional training and certification not only enhances your skills but also builds trust with clients, positioning you as a qualified and competent career coach.

Useful skills

When looking at how to become a certified career coach, many people invest in their own personal growth to build their soft skills, which are just as crucial as qualifications. Honing a diverse set of skills is crucial for impactful guidance. These skills collectively position you as a versatile and competent coach, capable of guiding clients through the intricacies of their professional journeys.

Key Skills:

Communication – Clearly articulate ideas and foster strong client relationships.
Empathy – Build trust and rapport by understanding clients on a personal level.
Active Listening – Ensure clients feel heard and valued, allowing for tailored advice.
Problem-Solving – Collaborate with clients to navigate career challenges effectively.
Passion for Learning – Stay updated on industry trends and labour market dynamics to offer relevant insights.
Organisation – Manage sessions, track progress, and maintain professionalism for structured and effective coaching.

How much can a career coach make?

A career coach’s earnings in the UK vary based on experience, specialism, and whether they work independently or within an organisation. According to Indeed the average salary for a career coach is £26,745 but salaries and rates can differ significantly.

A career coach average salary

Entry-Level Career Coaches (0-2 years’ experience) – £25,000 to £35,000 per year
Mid-Level Career Coaches (3-7 years’ experience) – £35,000 to £50,000 per year
Senior Career Coaches (8+ years’ experience or specialist roles) – £50,000 to £80,000+ per year

Those employed in corporate settings or universities may have fixed salaries, while independent coaches can scale earnings based on clientele and pricing models.

Hourly & daily rates

For self-employed career coaches, rates vary widely based on expertise, reputation, and the services offered:

Entry-Level Coaches – £40 to £75 per hour
Mid-Level Coaches – £75 to £150 per hour
Senior Coaches & Specialists – £150 to £300+ per hour

Daily rates typically range from £250 to £1,500, depending on coaching format, industry focus, and whether corporate clients or individuals are being served.

Setting your coaching rates

Pricing your services effectively ensures sustainability while providing value to clients. Consider:

Experience & Expertise – More experience allows for higher rates.
Client Type – Corporate clients tend to have larger budgets than individual clients.
Services & Specialisations – Niche coaching (e.g., executive coaching) commands premium rates.
Market Research – Align rates with industry benchmarks to remain competitive.

Pricing strategies

Package Deals – Offer bundled sessions at a discounted rate for long-term clients.
Tiered Pricing – Provide different service levels, from basic consultations to premium coaching programmes.
Group Coaching – Running workshops or group sessions can be cost-effective and scalable.

As demand for your services grows, reviewing and adjusting your rates ensures they reflect your expertise and market demand. Being transparent about pricing and clearly communicating the value of your services helps build client trust and long-term relationships.

Marketing your services

Key Marketing Strategies:

Know your value – Advocate for yourself confidently, track your results, and refine your approach.
Build an online presence – Develop a professional website showcasing your expertise, services, and success stories.
Utilise social media – Share valuable content, engage with your audience, and demonstrate your knowledge.
Offer free workshops & webinars – Gain visibility, build trust, and showcase your coaching style.
Leverage testimonials & referrals – Share client success stories and encourage word-of-mouth marketing with referral incentives.

Finding clients

A multi-faceted approach is key to attracting clients. Strong marketing will generate interest, but proactive outreach helps you find the right people.

Ways to Find Clients:

Follow & network with other coaches
Join professional networks & events
Engage with growth communities
Reach out to organisations
Use job boards & directories
Grow your social & professional circles.

By combining digital strategies with real-world networking, you can create a steady pipeline of clients and build a thriving career coaching business.

The future of career coaching

Key Trends Shaping the Future

The future of career coaching is full of opportunity. As the professional landscape evolves, the demand for career guidance continues to grow. Coaches who embrace change, adapt to new technologies, and refine their skills will not only meet market needs but also shape them.

With automation and digital innovation on the rise, professionals must learn how to stand out and align their work with their passions. Career coaches play a crucial role in this by offering guidance rooted in psychology, mindset practices, and human behaviour.

Remote Work Dynamics

The shift towards remote work requires career coaches to help clients navigate home office setups, productivity strategies, and work-life balance.

Evolving Industries & Skill Sets

Rapid industry changes highlight the importance of upskilling and reskilling.
Career coaches help clients stay ahead by identifying trends and acquiring in-demand skills.

Diverse Career Paths

Traditional career trajectories are fading, making way for non-linear and unconventional paths.
Coaches will play a key role in fostering creativity and adaptability in clients exploring new directions.

Global Connectivity

Digital platforms enable career coaches to work with clients worldwide.
Many coaches now organise international events and retreats, broadening their reach and insights.

Mental Health & Wellbeing

The link between career success and mental health is increasingly recognised.
Career coaching will incorporate psychological strategies to address stress, anxiety, and burnout as part of holistic career development.

As industries evolve, career coaches will remain essential in guiding professionals through change, fostering resilience, and unlocking new opportunities.

Get career coaching insurance with Protectivity

When you’re helping people to take their next professional steps, you’ll need to protect everyone’s interests and give yourself the financial security of a suitable insurance policy.

Protectivity’s Career Coaching Insurance includes professional indemnity, to protect you against claims from others with coverage for legal costs. It also includes equipment cover up to the value of £3,000, as well as public liability of up to £5 million.

Find out more and get a quote online.

Get Career Coaching Insurance from Protectivity

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