Whether you’re plating up at a countryside wedding, serving gourmet burgers from a food truck, delivering cakes to a birthday party, or preparing canapés for a corporate event, offsite catering comes with its own set of challenges, particularly when it comes to food safety. The journey from kitchen to customer is a critical stage where a lot can go wrong if care isn’t taken. Temperature control, physical damage during transit, allergen management, and hygiene all need to be managed precisely.

Different types of caterers will face unique transportation hurdles. Street food traders must secure and transport ingredients or prepped food while operating from compact, mobile kitchens. Private chefs often prep at home or in hired kitchens, then complete dishes on location. Event caterers might be delivering full-course meals to remote venues with limited facilities. Cake makers face challenges in transporting fragile, often temperature-sensitive items that must arrive picture-perfect.

Whether you’re transporting ready-to-eat dishes, finishing preparation on site, or managing a combination of both, your method of transport needs to be as carefully considered as your menu. Remote locations, tricky access, event protocols, and tight service windows all add layers of complexity.

And let’s not forget compliance with food safety regulations is non-negotiable. Knowing exactly what’s expected can help you avoid fines, customer complaints, or worse, health risks.

This guide breaks down best practices, equipment recommendations, and the key regulations to help you transport food safely, preserve quality, and stay compliant with UK standards.

 

Why safe food transport matters

Transporting food safely is about far more than keeping it warm or intact, it’s a legal obligation and a vital part of your responsibility as a food business operator.

Mishandling food in transit can lead to:

  • Temperature abuse (where food enters the ‘danger zone’ of 5°C to 63°C),
  • Cross-contamination (especially between raw and ready-to-eat foods),
  • Spoilage (affecting both taste and safety),
  • Or even serious foodborne illnesses.

The implications of these risks are significant – not just for your customers’ health, but for your reputation and business as a whole.

Whether you’re a solo cake decorator or managing a large event team, your goal is the same: serve food that’s safe, delicious, and arrives in the same pristine condition it left your kitchen.

 

Proper methods for transporting food offsite

Effective offsite catering starts long before you load up the van. Here are some essential best practices to help ensure everything arrives safely and ready to serve:

Separate different food types

Always keep raw ingredients apart from cooked or ready-to-eat items. This reduces the risk of cross-contamination and is especially important if you’re transporting raw meats, fish, or eggs. Allergen-containing dishes should also be kept isolated, clearly sealed, and labelled.

 Organise transport thoughtfully

Plan the order in which food and equipment will be used at your destination, and load the van accordingly, items needed first should be the last to go in. This helps speed up setup and avoids unnecessary unloading or reshuffling.

 Pack securely

Use proper food-grade containers with tight-fitting lids. Stack containers safely to prevent tipping and make use of trolley systems or built-in shelving to keep items stable. Securing your load isn’t just about protecting food, it helps prevent injury when unloading too.

Control the clock

The longer food is out of temperature control, the greater the risk of bacterial growth. Aim to minimise the time between leaving your kitchen and serving the food. This is especially crucial for hot dishes, chilled desserts, and anything containing dairy or seafood.

 

Consider professional transport solutions

Depending on your operation, it may be worth investing in:

  • A chilled or refrigerated van for larger deliveries or sensitive items.
  • High-quality cool boxes or heated carriers to maintain safe temperatures over long journeys.

Even small catering setups can benefit from cool bags or car-powered warming units to protect food in transit.

 

What do caterers use to transport food?

No matter your scale or style, the right tools make all the difference when it comes to safe and efficient food transport. Here are some of the essentials used by caterers across the industry:

  • Insulated carriers – Keep food hot or cold without electricity. Ideal for short to medium distances.
  • Thermal blankets – A great addition for short trips, particularly for trays of hot food or delicate desserts.
  • Food-grade containers – Durable, sealed containers (like Cambro boxes or stainless gastronorm pans) protect food from spillage and contaminants.
  • Trolleys and dollies – Useful for transporting heavy loads from vehicle to venue safely and efficiently.
  • Built-in van shelving or racking – Prevents containers from sliding around during transit, ideal for larger caterers or mobile kitchens.

Investing in proper transport equipment not only improves safety but saves time, reduces waste, and helps maintain food presentation—essential for cake makers, event caterers, and private chefs alike.

 

How to transport hot food when catering

Transporting hot food safely requires strict temperature control and proper handling to maintain both safety and quality:

  • Preheat insulated containers
    Before loading food, preheat your insulated boxes to help maintain a holding temperature above 63°C. This can make a big difference over longer trips.
  • Use a food thermometer
    Check and log the internal temperature of food both before loading and upon arrival. Digital probes are quick and accurate.
  • Minimise opening of containers
    Keep lids closed during transit to retain heat and avoid unnecessary exposure to air, which can introduce contaminants or cause heat loss.
  • Separate hot and cold items
    Don’t store hot and cold food together—use separate boxes or compartments to keep temperatures stable.
  • Be cautious of “warm” misconceptions
    Just because a box feels warm doesn’t mean the food inside is at a safe temperature. Always measure to confirm.

Whether you’re delivering fresh pasta, a batch of roast dinners, or vegan curries for an outdoor event, your hot food needs consistent, high temperatures all the way to the plate.

 

Vehicle considerations with food safety

No matter your catering style your transport method plays a crucial role in maintaining food quality and safety. Here’s how to ensure your vehicle and journey are food-friendly:

 

Keep it clean

Your vehicle is effectively part of your kitchen. Clean and sanitise the load area regularly, especially if it’s also used for non-food purposes (like carrying equipment or supplies). Dedicated food delivery vans or segregated sections help minimise cross-contamination. Cake makers, for instance, should avoid crumbs or grease residue that could affect frosting or decorations.

Secure all containers

Whether it’s trays of hot meals, frosted cupcakes, or individually wrapped sandwiches, everything must be secured to avoid shifting, tipping, or damage. Use non-slip mats, shelving, bungee cords or specialist racks. For mobile chefs or food truck operators, ensure stock and prep items are locked down before moving.

 Plan your route

Time and temperature are closely linked. A last-minute detour or traffic jam can compromise food safety, especially with chilled or hot-hold items. Use navigation apps that factor in traffic and allow buffer time for unexpected delays. For longer distances or high-value events, have a contingency plan. 

Limit time out of temperature control

Aim to deliver and serve food within 90 minutes of leaving temperature-controlled storage. For pre-prepped platters, consider assembly at the destination if conditions allow. Refrigerated vans or cool boxes can help prolong safe holding times, especially for cold desserts, dairy-based products, or seafood. 

Choose the right vehicle for your operation

  • Street food traders might operate directly from their van but should ensure food is protected during transit and not exposed to outdoor elements unnecessarily.
  • Baked goods businesses often use smaller cars or vans – consider dedicated cake carriers or climate control during hot weather.

Private chefs and large caterers may benefit from refrigerated or partitioned vans to transport multiple dishes and temperatures safely.

 

Regulations and best practices

Regardless of business size or style, all food businesses must comply with food safety regulations under UK law. Here’s how to stay on the right side of best practice:

 

Cleaning and hygiene

  • Clean all containers, trolleys, and transport boxes after every use using food-safe sanitiser.
  • If your vehicle is multi-use (e.g., used for personal or other business transport), it should be cleaned more frequently and thoroughly.
  • Keep written cleaning records—even if you’re a solo operator. Local Environmental Health Officers often check these during inspections.

 

Contamination control

  • Always separate raw and cooked foods. This applies whether you’re transporting marinated meats for a BBQ, or fruit tarts for a summer fete.
  • Label allergen-containing dishes not just for the client but for your own team—mistakes often happen during loading and serving.
  • For example – street food vans, store ingredients and finished meals in separate compartments where possible.

 

Temperature control

  • Hot food should stay above 63°C—use insulated carriers, heated boxes, or electric holding cabinets.
  • Cold food must stay below 8°C—especially important for cream-based desserts, fresh salads, or sushi.
  • Use cool packs, chilled boxes, or refrigerated transport for anything that risks spoiling or falling into the “danger zone”.
  • For outdoor events or food markets, plan how you’ll maintain temperatures throughout service—not just during transit.

 

Allergen management

  • Allergen awareness is critical, especially with increasing numbers of dietary restrictions and legal obligations under Natasha’s Law.
  • Label every item clearly, particularly for pre-packaged food or takeaway-style offerings.
  • Don’t use the same containers or utensils for allergen-free and regular dishes. Even trace amounts can cause a reaction.

 

These steps all form part of a robust HACCP plan (Hazard Analysis and Critical Control Points)—a legal requirement for all food businesses in the UK.

 

Equipment that helps you transport food safely

Having the right tools makes safe food delivery more efficient and reliable. Here’s a breakdown of what’s useful across different types of caterers:

 

Digital food thermometers

Check food temperatures before, during, and after transport. Quick-read thermometers are great for busy chefs, while probe loggers help you record data for audits.

 

Temperature data loggers

These record temperatures throughout transit—a must-have for event caterers or any business handling sensitive foods over longer journeys.

 

Food-safe insulated bags and containers

  • Street vendors can use rugged, weatherproof boxes.
  • Cake makers might prefer lightweight insulated coolers that fit in smaller vehicles.
  • Large-scale caterers should invest in stackable Cambro-style carriers to manage volume and space efficiently.

 

Mobile apps and checklists

Digital tools help standardise food safety checks and reduce human error. Whether it’s a reminder to chill an item or log a clean-down, apps keep your workflow organised.

 

Cleaning kits

Always carry essentials like sanitising wipes, spray, disposable gloves, and bin liners—ideal for cleaning spills on the go or maintaining hygiene at events.

 

Common mistakes to avoid transporting food for catering

  • Avoid these pitfalls to keep your food (and your customers) safe:
  • Overfilling containers or failing to seal them properly.
  • Stacking hot and cold items together.
  • Relying on gut feeling rather than a thermometer.
  • Failing to train staff on proper transport protocols.

 

Staff training and preparation

Your team needs to know the ‘why’ as well as the ‘how’. Provide training on:

  • Food safety and hygiene.
  • Equipment use and cleaning.
  • Allergen awareness.
  • Emergency procedures for delays or accidents.
  • Make sure everyone has access to SOPs (Standard Operating Procedures) and a backup plan if something goes wrong.

Transporting food safely isn’t just about ticking boxes—it’s about delivering consistent quality and protecting your customers and business. With proper planning, equipment, and staff training, you can serve up delicious food wherever your next event takes you.

Secure your Catering Insurance with Protectivity

No matter how well-prepared you are, things can sometimes go wrong. Whether it’s a customer claim, damaged equipment, or spoiled stock, the unexpected can put both your business and reputation at risk. That’s why having comprehensive catering insurance is essential.

At Protectivity, we offer flexible, reliable cover tailored to the needs of today’s caterers – whether you’re a mobile food vendor, street food trader, event caterer, private chef, or operate from a food truck.

Our caterers insurance includes public and product liability cover up to £5 million, protection for catering equipment and stock starting from £250, and optional frozen goods cover. You can also add employers’ liability (a legal requirement if you have staff) and trailer cover up to £20,000, ensuring every aspect of your operation is protected.

Ready to protect your catering business? Find out more and get a quote with Protectivity.

 

 

Get Caterers Insurance from Protectivity

Caterer preparing canapes

 

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

Ever found yourself mid-colour treatment only to realise you’ve run out of toner? Or noticed a stack of expired shampoos at the back of your storage cupboard? You’re not alone. Many salon owners struggle with inventory headaches that affect day-to-day operations.

If you want smoother operations, improved efficiency, and a more profitable business, then getting your salon inventory management under control is a must. Failing to do so can significantly impact your bottom line. Supplies are a major cost centre in any salon, and mismanaging them means lost revenue, wasted products, and frustrated clients. Some industry estimates suggest that supplies can account for around 10–15% of a salon’s revenue. That’s a big chunk, especially when product waste or over-purchasing cuts into profits.

In this blog, we’ll explore how to streamline your inventory practices to reduce waste, save money, and keep your clients happy.

 

What is inventory management for hair salons?

Inventory management is the process of tracking, ordering, storing, and auditing your salon’s stock. This includes everything from hair dyes and shampoos to towels, gloves, and even drinks for clients. For salons, inventory management isn’t just about counting bottles – it’s about ensuring you have the right products available at the right time, without hoarding stock that ends up expiring or tying up your cash flow.

 

Why inventory management matters for salons

Good inventory management can make a huge difference to your business. It reduces waste by ensuring products are used before their expiry date, and it prevents those embarrassing moments when you’re caught short during an appointment. Nothing damages your reputation quite like having to cancel or improvise due to missing products.

When your team knows exactly what’s in stock, they can work more efficiently and deliver a smoother, more professional service. A well-organised salon helps everyone – from the stylist to the receptionist to the client.

And let’s not forget the financials. You don’t want to tie up too much cash in unused stock sitting on shelves. Products expire, trends change, and every penny counts. Striking the balance between having enough and not having too much is key.

Core components of salon inventory management

Tracking your supplies

The foundation of good inventory management is knowing exactly what you have. Whether you’re using a colour-coded spreadsheet, stock cards, or digital software, accurate tracking is essential. Weekly stock checks can help you stay on top of your inventory, especially for high-usage items.

Set a routine – doing stock takes at the same time each week or day creates consistency. This works especially well if your business sees fairly steady traffic from week to week. During busier or quieter seasons, you might need to adjust the frequency.

Barcode systems, product labels, and simple checklists can also streamline the process. The key is to find a method that works for your team and stick to it.

 

Ordering: Smart and systematic

Ordering stock should never be a guess or a rush. Establish par levels for each item – the minimum amount you should have on hand before you reorder. Once an item drops below that level, it’s time to place a new order.

Avoid panic buying by creating a set order calendar. This not only saves you time, but also gives suppliers enough notice, especially during busy periods like December or prom season.

Take note of seasonal demand and adapt your ordering patterns. For example, lightening products might fly off the shelves in summer, while deep conditioners could be more popular in winter. Analysing previous usage trends can help you order smarter, not harder.

 

Storage: Organisation is key

A tidy stockroom isn’t just nice to look at – it improves workflow and minimises product loss. Group items by type, use, or frequency. Use the FIFO (First In, First Out) rule to rotate stock so that older products are used before newer ones.

High-value items like colour or tools should be kept in secure, clearly labelled areas. Consider investing in lockable cabinets or designated storage spaces for premium products.

Health and safety compliance is another factor. Make sure products are stored according to guidelines – especially chemicals – to protect your staff and avoid breaches.

 

Auditing: Regular reviews prevent surprises

Even with the best intentions, stock can go missing, expire, or sit unused. That’s why audits are essential. Set a schedule – whether monthly or quarterly – and stick to it. Look for patterns, such as consistently unused products or frequent shortages of others.

Your team is your biggest asset here. Get them involved – they know what’s flying off the shelves and what’s gathering dust. Regular audits help keep your system accurate and highlight areas for improvement.

This is also the perfect time to declutter – get rid of anything expired, damaged, or discontinued, and update your stock records accordingly.

 

Leveraging technology

Technology can transform the way you manage your inventory. Salon management systems like SalonIQ, and Vagaro can automatically deduct products as services are performed, keeping your stock levels up to date in real-time.

Mobile inventory apps make it easy to do quick stock takes or check quantities on the go. Many platforms offer automatic reorder reminders, usage reports, and trend analysis.

These trends can be revealing – for example, discovering that one stylist uses 30% more colour per treatment could prompt useful training or highlight inefficiencies.

 

Popular inventory management processes in the hair industry

UK salons typically use a blend of manual and digital processes depending on their size, budget, and tech comfort level. Here are a few of the most common:

Manual tracking with spreadsheets – still widely used in smaller or independent salons. Weekly or monthly checks are done by hand and tracked in Excel or Google Sheets. It’s low-cost but time-consuming.

POS-integrated inventory systems – platforms like Treatwell offer stock tracking as part of their all-in-one salon software. These systems automatically update inventory when services are recorded and can suggest reorder points based on usage trends.

Supplier-integrated systems – Some UK suppliers such as Salon Services and Aston & Fincher offer online ordering platforms that integrate with salon accounts, making reordering fast and straightforward.

Stock cards and par sheets – Old-school but effective, especially for back-bar stock. These are printed cards showing minimum and maximum stock levels to guide reordering.

 Professional distributors’ support – Many distributors offer inventory support and advice for their customers, including training on product usage, shelf-life, and optimal order frequency.

The most effective salons usually combine these tools with a regular auditing routine and clear team responsibilities.

 

Tips for getting staff onboard

Even the best system won’t work if your team isn’t on board. Make sure everyone understands the why behind good inventory practices. Clear communication, training sessions, and simple step-by-step guides can make a big difference.

Assign inventory champions – staff members responsible for certain products or storage areas. This not only spreads the load but creates ownership and accountability.

A small reward system – like a coffee voucher or team shout-out – for keeping things organised or reducing waste can boost morale and reinforce good habits.

 

Common mistakes to avoid

  • Buying in bulk just because it’s cheaper – if it expires before you use it, it’s not a saving.
  • Ignoring slow-moving stock – ask yourself why it’s not shifting. Can it be repurposed or discounted?
  • Taking on the entire task yourself – you’ll burn out, and things will slip through the cracks. Involve your team and delegate wisely.

 

In summary…

Managing your salon’s inventory might not be the most thrilling part of your role, but it’s one of the most impactful. With clear routines, the right tools, and team engagement, you can avoid waste, reduce costs, and deliver a seamless experience for every client.

Start simple – take a stock count, set some reorder thresholds, and trial a digital tool if you’re not already using one. As your salon grows, these systems will form the solid foundation you need to scale with confidence and control.

 

Get your hairdressing insurance from Protectivity

As you’ve seen throughout this blog, well-managed inventory is vital to maintaining a profitable and professional salon. But even with the best systems in place, things can still go wrong. Whether it’s accidental damage to a client’s property, loss of valuable stock, or equipment theft – unexpected incidents can lead to major financial setbacks.

That’s why it’s wise to think beyond inventory and consider comprehensive salon insurance.

Protectivity offers specialist hairdressing insurance that covers you for many of these unpredictable events. From safeguarding your professional kit against loss or damage to covering public liability risks when working in clients’ homes, it’s an important safety net.

If you’re a mobile hairdresser or run a small salon, having this protection in place can give you peace of mind and financial stability when you need it most. Mobile hairdressing insurance starts from just a few pounds a month.

Take two minutes to get a quote online and see how easy it is to protect what you’ve worked so hard to build.

 

Get Hairdressing Insurance from Protectivity

 

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

Running a small business in the UK means juggling a lot, from stock and staffing to marketing and finances. But one of the most important parts of the puzzle is making sure your customers can pay you quickly, easily, and securely. 

Whether you’re a sole trader, a café owner, or managing an online store, how you accept payments can have a big impact on your customer experience – and your bottom line. The right payment system helps things run smoothly, keeps customers happy, and ultimately leads to more sales. 

These days, customers expect to pay by card or contactless – and they often won’t carry cash at all. In fact, according to Barclays consumer spend data, almost 95% of adults used contactless payments in 2024, and this trend is only growing. If you’re not offering digital payment options, you may be turning customers away without even realising it. 

Digital payments also make your life easier behind the scenes. They offer automatic transaction tracking, easier reconciliation, and smoother integration with accounting tools, all of which are increasingly useful with the government’s Making Tax Digital initiative continuing to evolve. 

In this guide, we’ll walk through the most common payment methods, explain how to choose the right one for your business type, and review five of the most popular systems in the UK right now. We’ll also compare card readers and share tips for staying secure and compliant when handling customer payments. 

 

Types of online payment methods for small businesses 

There are more ways to accept payments now than ever before. Here are the most common options: 

  • Credit and Debit Card Payments: The most familiar method, whether online or in person. Essential for most businesses. 
  • Digital Wallets: Apple Pay, Google Pay and others let customers pay with a tap or online checkout. Convenient and increasingly popular. 
  • Bank Transfers: Especially useful for larger transactions or B2B dealings. Includes Faster Payments and BACS. 
  • Buy Now, Pay Later (BNPL): Services like Klarna or Clearpay can increase conversions for online retailers. 
  • Recurring Payments/Subscriptions: Direct Debit or card-on-file systems, great for membership or subscription-based models. 
  • Invoicing with Payment Links: Many payment providers let you send invoices with embedded payment buttons, ideal for service-based businesses or freelancers. 

 

Different business types, different needs 

Not all businesses are built the same – and neither are their payment needs. Here are some examples: 

  • Retail and Hospitality: These businesses benefit from POS systems that integrate inventory, tipping, and receipt printing. 
  • E-commerce: Needs seamless online checkouts, multiple payment options, and security features like fraud detection. 
  • Freelancers and Consultants: Simple invoicing tools and the ability to accept card or bank payments quickly are crucial. 
  • Tradespeople and Mobile Vendors: Mobile card readers with strong battery life and offline mode help on-the-go operations. 
  • Subscription-Based Businesses: Require recurring billing options, automatic renewals, and customer data management. 

 

Knowing your business model helps you select a payment system that works with you, not against you. 

 

5 popular payment systems for small businesses 

Let’s explore five leading options available in the UK, breaking down their features, pricing, and what kind of businesses they suit best. 

 

Worldpay 

A long-established provider offering both in-person and online payment solutions. 

  • Key Features: Scalable for businesses of all sizes, with robust features and multiple payment options. 
  • Considerations: Can be costly for very small businesses. Contracts and early termination fees may apply. Transaction fees vary based on card type and payment method. 
  • Cost: (From £xx) Custom quotes, often includes a monthly fee and transaction  

 

PayPal 

Well-known, trusted, and widely accepted. Easy to integrate with websites, invoicing, and POS systems. 

  • Key Features: Includes checkout buttons, payment links, in-person payment tools, and invoicing. 
  • Considerations: Higher fees compared to some other providers. Some users report account holds and slow support resolution. 
  • Cost: From 2.9% + 30p per transaction; lower for micropayments and high-volume sellers. 

 

Stripe 

Originally built for online payments, Stripe now also offers in-person POS, invoicing, and subscription tools. 

  • Key Features: Transparent pricing, highly customisable, and developer-friendly API. Ideal for e-commerce and tech-savvy users. 
  • Considerations: May require some technical knowledge to fully customise and integrate. Best suited to online-first businesses. 
  • Cost: 1.5% + 20p for UK cards. 

 

Square Up 

A sleek, all-in-one POS and payment solution with strong support for in-person and online sales. 

  • Key Features: Free POS software, easy-to-use hardware, online store builder, invoicing, and booking tools. 
  • Considerations: Excellent for small retailers, cafés, and service businesses. Easy to set up, scale, and cancel if needed. 
  • Cost: 1.75% per in-person transaction. Pay as you go or monthly subscriptions. 

 

SumUp 

One of the most affordable and flexible options, especially for micro-businesses and mobile traders. 

  • Key Features: Lightweight card readers, invoicing tools, payment links, and POS software. 
  • Considerations: Feature set is simpler compared to larger providers, but more than enough for many small or solo businesses. 
  • Cost: 1.69% per transaction; Pay as you go or monthly subscriptions. 

 

Best card readers for small businesses  

Here’s a quick comparison of popular UK card readers: 

 

Card ReaderUpfront CostTransaction Fee (from) 

Connectivity

 

 

Best For

 

Notable Features
 

SumUp Air 

 

From £22 From 1.69% Bluetooth + App Sole traders, market stalls Offline mode, quick setup 
 

Square Reader 

 

From £19 From 1.75% Bluetooth + App Small shops, cafés Free POS software, virtual terminal 
 

Zettle by PayPal 

 

From £29 From 1.75% Bluetooth + App Retail, mobile vendors Inventory tools, tipping options 
 

Worldpay Reader 

 

From £20 p/m From 1.5% Wi-Fi, 3G options Larger operations, multi-site use Advanced hardware, reporting 
 

Stripe 

 

From £49 From 1.4% Bluetooth + App Online-first businesses expanding to in-person Works seamlessly with Stripe online payments, developer-friendly API 

 

Using a POS system 

If you sell in person — whether in a shop, café, salon, or market — a POS (point-of-sale) system can be a game-changer. It’s more than just a way to take card payments: it helps you manage sales, track stock, and understand your business better. 

 

What is a POS system? 

A POS typically includes a card reader, a tablet or screen with POS software, and optional tools like a printer or barcode scanner. Many are now app-based and cloud-connected, making them easy to use and access remotely. 

 

Key Benefits 

  • Faster Checkout: Tap payments and saved products speed up transactions. 
  • Inventory Tracking: Stock adjusts automatically with each sale. 
  • Sales Insights: See top-selling items, busiest times, and staff performance. 
  • Customer Management: Save customer info for marketing or loyalty schemes. 

 

Costs and Considerations 

  • Some systems are free (like Square and Zettle), while others charge a monthly fee. 
  • Factor in hardware costs, extra features, and how well it integrates with your current setup. 

 

Staying Safe Online – Payment Security 

Security is non-negotiable when it comes to handling payments. These are essential considerations when you’re managing online payment safely: 

  • PCI DSS Compliance: Make sure your provider is PCI-compliant. This standard protects cardholder data during and after a transaction. 
  • SSL Encryption: Your website must have SSL (https) to securely process payments. 
  • Fraud Detection Tools: Use providers that offer chargeback protection and real-time fraud screening. 
  • Two-Factor Authentication (2FA): Always enable 2FA for your payment accounts to prevent unauthorised access. 

 

Handling client data responsibly – UK GDPR 

Processing payments often means processing personal data. As a business, you must: 

  • Comply with the UK GDPR: This includes storing data securely, only collecting what you need, and obtaining customer consent. 
  • Have a Privacy Policy: Make it clear how you use customer data. 
  • Work with Compliant Providers: Ensure any third-party processor you use also complies with regulations. 

 

Choosing the right payment system 

Not all businesses have the same needs — so choosing the right payment solution means considering what works best for your setup, your customers, and your plans for the future. Here’s a deeper look at the key factors: 

 

Ease of Use 

Your payment system should be intuitive and require minimal training. For example: 

  • A busy café with frequent staff turnover needs a simple, fast POS interface that new team members can pick up easily. 
  • A freelancer working alone might prioritise a clear invoicing dashboard and mobile access over complex features. 

 

Costs 

Look beyond just the transaction fee. Some providers charge for: 

  • Monthly subscriptions 
  • Refunds or chargebacks 
  • Hardware rental or purchase 
  • Premium features like analytics or integrations 

A market trader might prefer a system like SumUp with no monthly fees, while a larger retailer may benefit from tailored pricing plans through providers like Worldpay or Dojo. 

 

Integration 

Think about your wider tech setup: 

  • An e-commerce business may want seamless integration with platforms like Shopify, WooCommerce or Magento. 
  • A consultancy or service business may need payment tools that link directly to accounting software like Xero or QuickBooks. 

Choosing a system that plays well with your existing tools can save a lot of time and hassle. 

 

Customer Support 

Things will occasionally go wrong — whether it’s a hardware glitch or a delayed payout. Look for: 

  • UK-based or 24/7 support 
  • Fast response times 
  • Accessible help (live chat, phone, email) 

This is especially crucial for hospitality or retail businesses, where downtime means lost sales. 

 

Scalability 

Will your payment system grow with you? 

  • If you’re just starting out, look for flexible pricing and tools that don’t lock you into long contracts. 
  • If you’re planning to expand — for example, adding more staff, opening new locations, or selling internationally — your system should support that without needing a complete overhaul. 

 

There isn’t a one-size-fits-all payment solution for UK small businesses. The right choice depends on your business type, how your customers prefer to pay, and how you want to operate. 

 

Start with a clear understanding of your needs, test a few providers where possible, and prioritise providers that offer flexibility, security, and ease of use. With the right tools, taking payments becomes a breeze – leaving you to focus on growing your business. 

Need help comparing options for your business? Feel free to drop a comment or reach out – we’re here to help! 

 

Get small businesses insurance from Protectivity 

Choosing the right digital payment system isn’t just about speed or convenience, it can directly boost your sales and save you money. When customers can pay easily and securely, they’re more likely to complete purchases and come back. Plus, digital tools make it easier to track income, manage accounts, and avoid costly mistakes. 

But protecting your income doesn’t stop there. Even with the best service, things can still go wrong — from customer disputes to accidental damage. Having the right business insurance ensures you’re covered when the unexpected happens, helping you recover quickly and keep your business running smoothly. 

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

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

Get Small Business Insurance from Protectivity

 

 

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

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

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

Mind-body & recovery-inspired trends

Hybrid strength & mindfulness classes

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

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

 

Flow State sessions

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

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

 

Sound bath recovery sessions

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

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

 

Digital & tech-enhanced training

Virtual Reality fitness (VR Workouts)

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

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

 

AI-supported training

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

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

 

Creative movement & dance fusion

Dance-based fitness fusions

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

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

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

 

Aquatic & recovery-based fitness

Aqua boxing & deep water HIIT

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

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

 

Functional performance & playful training

Parkour fitness (for adults!)

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

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

 

Weighted vests for functional conditioning

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

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

 

Experience-based fitness

Fitness festivals & pop-up events

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

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

What to consider before launching a new trend

1. Qualifications & Insurance

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

2. Safety

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

3. Know your clients

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

4. Cost vs Value

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

5. Authenticity

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

 

Final thoughts

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

 

Get Personal Trainer Insurance from Protectivity

Woman lifting weights

Get Personal Trainer Insurance from Protectivity

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

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

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

 

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

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

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

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

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

 

Why reviews matter for small businesses

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

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

 

Build trust instantly

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

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

 

Improve local SEO

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

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

 

Boost conversions

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

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

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

 

Amplify word-of-mouth

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

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

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

 

The best review platforms

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

 

Google Reviews

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

 

Trustpilot

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

 

Facebook Recommendations

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

 

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

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

 

Yell & Yelp

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

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

 

How to get more reviews?

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

 

Get the timing right

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

 

Keep it simple

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

 

Ask in directly

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

 

Offer light incentives (ethically)

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

 

Prompt (Gently)

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

 

What to do if you get a bad review

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

 

Keep it calm

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

 

Spot the difference: Constructive vs. fake

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

 

Use criticism to get better

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

 

How to make the most of your reviews

Show them off

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

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

 

Feed the feedback loop

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

 

Use reviews as a growth strategy

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

 

Brands that are winning with reviews

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

 

Blush Beauty (London) – via Treatwell

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

 

Breathe Yoga Studio (Manchester) – via Google

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

 

Paws & Relax Grooming (Brighton) – via Facebook

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

 

Making reviews part of your daily routine

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

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

 

Get Small Business Insurance from Protectivity

Small business meeting

Get small businesses insurance from Protectivity

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

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

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

Whether you’re looking for  pet care business insurancedecorators insurancecatering insurancecrafters insurance, or another small business, explore the full list of small business insurance we provide today!

 

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

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

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

 

How much do gardeners earn?

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

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

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

 

How much do gardeners charge on average in the UK?

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

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

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

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

 

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

 

Average hourly rate for gardeners

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

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

 

Average day rate for gardeners

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

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

 

Considerations in how much to charge as a gardener?

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

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

Understand your costs

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

 

Research the market

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

 

Reflect your experience and skill

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

 

Consider demand and availability

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

 

Include a profit margin

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

 

Set a minimum charge for small jobs

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

 

Review rates regularly

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

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

 

Winter vs. Summer – Seasonal income

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

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

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

 

Setting up a gardening business & startup cost

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

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

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

 

Additional pricing considerations

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

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

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

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

 

Sources:

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

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

Get Gardeners' Insurance from Protectivity

Get Gardeners’ Liability Insurance from Protectivity

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

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

At Protectivity, we provide affordable gardener’s insurance to cover specific incidents commonly faced. Our policies include Public Liability up to £5 million as standard; you then have the option to add Plant and Tools cover, Employers’ Liability financial loss and employee tools (only if you’ve included the other benefits). That way, when unforeseen circumstances occur, you can ensure you’re protected from unexpected costs.

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

 

 

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

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

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

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

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

 

What is word of mouth marketing?

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

 

Types of WOMM

  1. Organic WOMM – This occurs when customers genuinely enjoy a product or service and talk about it with friends, family, or social media followers. There is no incentive involved; it stems purely from enthusiasm and satisfaction.
  1. Amplified WOMM – In this case, businesses actively encourage and promote word-of-mouth sharing. This could be through referral schemes, social media engagement, or influencer collaborations.

 

 

Why is WOMM essential for small businesses?

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

 

Why do people share recommendations?

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

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

 

WOMM channels in the digital era

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

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

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

 

How to use Word of Mouth Marketing for your small business

Deliver outstanding service & experiences

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

 

Encourage reviews & testimonials

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

 

Leverage social media

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

 

Use referral & loyalty programmes

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

 

Work with micro-influencers & brand advocates

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

 

Engage in community & networking

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

 

Benefits of Word of Mouth Marketing

Higher trust & credibility

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

 

Cost-effective

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

 

Builds customer loyalty

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

 

Boosts brand awareness

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

 

Increases conversions

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

 

Costs of using Word of Mouth Marketing

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

Paid WOMM Strategies:

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

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

 

Small businesses that benefit most from WOMM

Local service-based businesses

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

 

Professional services

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

 

Retail & E-commerce

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

 

Fitness, health & wellness

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

 

Examples of successful word of mouth marketing campaigns UK

Wild Cosmetics

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

 

Wingstop UK

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

 

Why small businesses can thrive with WOMM:

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

 

Word of mouth marketing plan checklist

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

 

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

 

Specialist Small Business Insurance from Protectivity

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

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

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

 

Get Small Business Insurance from Protectivity

 

 

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

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

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

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

 

What is Making Tax Digital (MTD)?

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

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

 

What will be different under MTD for income tax?

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

Quarterly updates

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

End of Period Statement (EOPS)

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

Final Declaration

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

Digital record-keeping

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

 

Who does MTD apply to

It applies to you if:

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

Who may be exempt?

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

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

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

 

When is the deadline?

The MTD rollout for Income Tax is happening in stages:

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

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

 

What are the penalties for missing the deadline?

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

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

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

 

How to prepare for the MTD changes

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

1. Check if MTD Applies to You

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

 

2. Apply for an exemption (if you qualify)

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

 

3. Choose Your MTD software

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

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

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

 

4. Start keeping digital records

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

  • Sales and income
  • Business expenses
  • Bank transactions

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

5. Get familiar with quarterly updates

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

Your updates are due:

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

 

6. Set up digital links

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

 

7. Speak to an accountant or bookkeeper

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

 

Choosing MTD-compatible software

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

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

Popular options include:

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

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

 

What is a digital link—and is it necessary?

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

Under MTD rules:

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

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

 

Final Thoughts

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

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

 

Get Small Business Insurance from Protectivity

Small business meeting

Affordable small business insurance from Protectivity

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

Public liability is included with options to add extras such as employers’ liability and other specific industry add-ons. It’s a legal requirement to have employers’ liability insurance if you employ just one staff member, volunteer or apprentice with penalties for failing to comply.

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

 

 

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

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

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

 

Who should start a gardening business?

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

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

 

How to start your own gardening business

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

Research and planning

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

Create a business plan

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

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

Legal considerations

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

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

 

Why you should start a gardening business

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

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

 

Cost of starting a gardening business

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

Professional gardening tools

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

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

Insurance

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

Marketing and advertising

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

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

Ongoing Costs

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

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

 

Profitability of gardening

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

 

What skills do you need?

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

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

 

Qualifications and licences

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

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

 

How to register a gardening business

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

Sole trader

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

Limited company

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

Additional considerations

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

 

Different types of gardening services

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

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

 

Finding your customers

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

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

 

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

 

Get Gardeners’ Insurance from Protectivity

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

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

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

 

Get Gardeners' Insurance from Protectivity

Gardener mowing the lawn

 

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

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

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

 

Types of scams

Phishing emails

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

 

Invoice fraud & fake supplier scams

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

 

Business identity theft

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

 

CEO and impersonation scams

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

 

Cyber fraud and malware

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

 

Cost of scams

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

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

 

Scale of scams to small businesses

Prevalence

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

 

Top tactics

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

 

Are small businesses keeping up?

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

Preventative measures

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

 

Be sceptical and verify requests

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

 

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

 

Educate and train employees

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

 

Strengthen cybersecurity hygiene

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

 

Secure your business identity

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

 

Implement strong payment controls

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

 

Report and respond quickly

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

 

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

 

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

 

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

 

 

Sources

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

UK Finance – industry reports on fraud losses and scam types

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

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

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

Visa UK – SMB Fraud research 2024 (press release)

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

Avena Group

 

 

 

Get Small Business Insurance from Protectivity

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

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

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

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

 

Get Small Business Insurance from Protectivity

 

 

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