Category: Business

14:06:50 GMT • 26 March 2025

Using social media for trades businesses

13 March 2025

•

11 mins read

Contributors

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

*https://www.directlinegroup.co.uk/en/news/brand-news/2023/28092023.html

Gone are the days when trade businesses relied solely on word-of-mouth or a well-placed ad in the local paper. Today, if you’re not on social media, you’re missing out on a huge opportunity to find customers, showcase your skills, and grow your business. In fact, research suggests tradespeople obtain nearly 50% of their business through social media channels.*

Regardless of digital experience picking up some tips on using social media is very accessible from some basics to more advanced tactics. You’ll want to know which channels are going to be best and what tools you can utilise to maximise your time.

Let’s be honest—nobody starts a roofing or carpentry business because they dream of posting on Instagram all day! So, how can you use social media effectively without it becoming a full-time job? Let’s break it down.

Finding workers through social media

Struggling to find decent workers is a common challenge, but have you ever considered that many people are actively using social media to search for jobs? Today, younger talent often turn to these platforms as a primary resource for finding work—making them the perfect audience for your recruitment efforts. Here are some enhanced strategies to help you get in front of the right candidates:

Paid Advertising

Running targeted ads on Meta platforms like Facebook and Instagram is not only cost-effective but also allows you to pinpoint exactly who sees your job postings. With advanced demographic and location-based targeting, you can ensure your ad reaches local candidates with the precise skills and interests you need. Including compelling visuals, clear job descriptions, and a direct call-to-action can boost your ad’s effectiveness and attract more qualified applicants.

Private Groups

Many trade-specific or local groups exist on social media platforms where professionals gather to share insights and opportunities. By joining these groups on Facebook, LinkedIn, or even niche community forums, you can post your job opportunities directly to an engaged audience. This approach not only increases the visibility of your listings but also builds trust within the community, as group members often rely on peer recommendations and insider knowledge when seeking new opportunities.

Showcasing Skills

Young apprentices and skilled tradespeople frequently showcase their work on platforms such as Instagram, TikTok, or YouTube. Their profiles serve as a digital portfolio, offering you a firsthand look at their craftsmanship, creativity, and attention to detail. When you spot work that impresses you, don’t hesitate to reach out directly—this proactive approach can help you secure talented individuals who are already passionate about their craft.

Check Reviews & Testimonials

Before making a hiring decision, it’s essential to verify a candidate’s reputation online. Social media profiles, professional pages, and community forums can provide valuable reviews and testimonials from previous employers or colleagues. These insights offer a glimpse into a candidate’s work ethic, reliability, and overall performance, helping you make more informed hiring decisions.

A good worker is worth their weight in gold, so by leveraging these digital tools and strategies, you can build a robust team that not only meets your business needs but also propels your company to new heights.

Promoting your work effectively

It’s not bragging if it’s true! Sharing your work online is one of the best ways to attract new clients. With video and photo imagery more accessible than ever, you can showcase your craftsmanship and creativity to a broad audience. By blending striking visuals with authentic stories, you not only highlight your talent but also build trust and credibility. Here’s how to do it right:

The basics…

Before-and-after shots

People love a good transformation! Capture high-quality images from the start of your project to the final reveal. This visual journey not only demonstrates your ability to bring visions to life but also gives potential clients a clear idea of the quality and impact of your work.

Client testimonials

Ask happy customers if you can share their feedback. Featuring short video clips or written quotes alongside photos of the completed project can add authenticity to your portfolio. These testimonials build social proof and can significantly influence prospective clients who are considering your services.

Mid-level…

Behind-the-scenes content

Offer your audience a glimpse into your creative process. Time-lapse videos of jobs in progress, candid photos of your team at work, or snapshots of your tools and materials can be surprisingly satisfying to watch. This type of content not only entertains but also educates viewers about the craftsmanship and attention to detail that go into your work.

Work-in-progress updates

Keep your followers engaged by sharing regular updates on ongoing projects. These progress reports build anticipation for the final outcome and demonstrate your commitment to quality and transparency, reinforcing the trust your audience has in your brand.

The influencers…

Documentary-style videos

Elevate your storytelling with in-depth videos that document your projects from concept to completion. Integrate expert tips on achieving specific looks or techniques, share insights on overcoming challenges, and explain the creative decisions behind your work. These videos position you as an industry thought leader and can attract a wider, more engaged audience.

Expert interviews and collaborations

Consider featuring interviews with industry experts or collaborating with influencers who align with your brand. These partnerships broaden your reach and add a layer of credibility, as viewers see that respected professionals are connected to your work. This collaborative approach can help you tap into new networks and drive additional interest in your projects.

By integrating these strategies into your promotional efforts, you not only showcase your work in a compelling way but also build a narrative that resonates with potential clients. This dynamic approach to online promotion can set you apart in a crowded market and lead to sustained business growth.

Handling customer feedback online

Both positive and negative feedback offer valuable insights and opportunities to build your brand’s reputation. Here’s how to effectively manage and respond to each:

Negative Feedback

Respond Promptly: A timely reply demonstrates your dedication to customer satisfaction. Invite the dissatisfied customer to continue the conversation offline if needed, so you can address the issue in detail and work towards a resolution.

Positive Feedback

Express Gratitude: Thank your customers for taking the time to share their positive experiences. A simple, sincere thank-you can strengthen customer relationships and encourage loyalty.

Showcase Reviews: Highlight glowing testimonials on your social media channels and website. Sharing positive feedback not only builds credibility but also inspires potential clients to consider your services.

Encourage More: After delivering a great service, gently remind satisfied customers to leave a review. Consistently gathering positive feedback can help balance out any negative reviews and further enhance your online reputation.

By addressing both negative and positive feedback thoughtfully, you not only improve your service quality but also demonstrate transparency and commitment to your customers.

Social media might not be your trade, but it can certainly help grow your business. With the right strategy, you can attract more customers, find great workers, and build a strong reputation.

Secure specialist Tradesperson Insurance from Protectivity

For any trades business securing the necessary insurance is a must to protect yourself.

At Protectivity, we provide affordable tradesman insurance to cover specialist incidents commonly faced by trades. Our policies include public liability up to £5 million as standard; you then have the option to add Contractor Works cover, Plant and Tools cover, financial loss and employee tools (only if you’ve included the other benefits). That way, when unforeseen circumstances occur, you can ensure you’re protected from unexpected costs. You can also insure your tools from as little as £8.98 a month with our new tools insurance offering.

Take two minutes today to take a closer look at our trades policies.

Sources

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14:57:43 GMT • 13 March 2025

Changes for employers from April 2025

6 March 2025

•

7 mins read

Contributors

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

https://www.fsb.org.uk/resources-page/fsb-weekly-brief-newsletter-friday-21-february-2025.html

There has been significant discussion about the evolving nature of employment laws in the UK this year, with changes expected from multiple angles. For small businesses, staying agile can be challenging, but remaining informed and compliant is essential.

As April 2025 approaches, it is important to be aware of the changes set to take effect following the Autumn Budget in 2024. Several key updates are expected to have a notable impact on employers, with small businesses potentially facing the greatest challenges as they navigate these developments alongside other external pressures.

Understanding the key aspects of these changes and their potential implications will help businesses prepare effectively. Employers should assess how these developments may affect their operations and take proactive steps to ensure compliance. Where possible, planning ahead can help facilitate a smooth transition and minimise disruptions. Here’s a reminder of some of the key updates alongside some implications for small businesses.

National Insurance Contributions (NICs)

Upcoming Changes:

- From April 2025, employer NICs will increase by 1.2% to 15%
- The secondary threshold decreasing from £9,100 to £5,000.
- The Employment Allowance is increasing. Right now, businesses that paid £100,000 or less in employer National Insurance last year can reduce their bill by £5,000. This allowance will go up to £10,500, and the £100,000 limit will be removed, so more businesses can benefit.

Source: gov.uk

Considerations and planning:

With these changes taking effect in 2025, this is good time for small businesses to review their finances and plan accordingly. The increase in employer National Insurance Contributions (NICs) and the reduction of the secondary threshold may lead to higher payroll costs, making it essential to explore ways to manage the financial impact. Reviewing workforce costs and considering tax-efficient employment options could help businesses adapt effectively.

The rise in the Employment Allowance presents an opportunity for eligible employers to offset some of these costs, so it is advisable to ensure it is being fully utilised.

Additionally, businesses may benefit from assessing pricing structures and identifying operational efficiencies to maintain financial stability. Taking proactive measures now can help ensure continued resilience and smooth operations in the year ahead.

Changes in pay and wages

National living wage increases:

From 1 April 2025, the National Living Wage for workers:

Aged 21 and over – £12.21 per hour (6.7% increase)
Aged 18 to 20 – £10.00 per hour (16.3% increase)
Under 18s – £7.55 per hour (17.9% increase)
Apprentices – £7.55 per hour (17.9% increase)

Source: gov.uk

Considerations and planning:

Rising wages will lead to higher payroll costs, making it important for businesses to review their financial plans and ensure expenses remain manageable. Updating payroll systems to reflect the new rates will help maintain accuracy and compliance. If these changes place pressure on profit margins, businesses may need to consider adjustments such as revising pricing strategies or improving operational efficiency.

The increase in the Employment Allowance may provide some financial relief for eligible businesses, helping to offset additional costs. Proactive planning can support a smooth transition while maintaining business stability and continued support for employees.

Holiday entitlements

Key changes in holiday pay reforms:

Starting from 1 April 2024, there’s a new way to calculate holiday entitlement for irregular hour and part-year workers. Their holiday will now be based on 12.07% of the hours they actually work in each pay period, making it easier to track and manage time off. This applies both in the first year of employment and beyond.

Considerations and planning:

The new accrual method introduces a simplified approach to managing holiday entitlement, which may streamline administrative processes over time. Clearly communicating these changes to employees will be advised to ensure they understand how their holiday entitlement is calculated and what it means for them.

Updating payroll systems and internal policies in advance can help prevent misunderstandings and facilitate a smooth transition. Proactive planning and clear communication will support efficiency while maintaining transparency and fairness in the workplace.

Flexible working arrangements

Key changes with policy shift:

Employees can request flexible working from their first day on the job, instead of waiting 26 weeks.
Employees are now allowed to make two flexible working requests in a year, increasing from 1 request per year.
Employers can still refuse a request if they have a valid business reason.

Source: gov.uk

Considerations and planning:

Under the new UK flexible working laws, employees now have the right to request flexible work arrangements from their first day of employment, rather than after 26 weeks. While employers can decline requests for legitimate business reasons, small businesses may benefit from assessing how to incorporate flexibility without disrupting operations.

Reviewing work schedules, exploring remote or hybrid options, and updating internal policies can help establish a balanced and practical approach. A structured and transparent process will support compliance while contributing to employee satisfaction and retention.

Employment Rights Bill proposal

Brought to Parliament on 10 October 2024, the Employment Rights Bill includes 28 key employment law reforms designed to enhance and modernise worker protections.

Highlights of proposed changes:

Ban exploitative zero-hours contracts by ensuring guaranteed hours, fair shift notice, and compensation for last-minute cancellations.
End ‘fire and rehire’ practices by making dismissals for refusing contract changes automatically unfair unless unavoidable.
Provide day-one protection from unfair dismissal, with probationary periods allowing a simpler dismissal process.
Make Paternity Leave and Unpaid Parental Leave available from day one of employment.
Expand Statutory Sick Pay by removing earnings limits and waiting periods.

Source: gov.uk

Considerations and planning:

The proposed employment law reforms are expected to introduce significant changes for small business employers, impacting hiring practices, contractual agreements, and overall business operations. The ban on exploitative zero-hours contracts may lead to increased labour costs and reduced scheduling flexibility, while restrictions on ‘fire and rehire’ practices could make workforce adjustments more complex.

Day-one protection from unfair dismissal may require businesses to refine their hiring and probationary processes to ensure employees are a good fit before full protections apply. Additionally, expanding Statutory Sick Pay and granting immediate access to Paternity and Unpaid Parental Leave could introduce financial and operational pressures, particularly for businesses with small teams that rely on consistent staff availability.

To prepare for these changes, small businesses can take proactive steps to ensure compliance and minimise disruption:

Review employment policies and contracts to align with the new requirements.
Assess workforce planning and budgeting to anticipate potential increases in labour costs.
Engage with employees and stakeholders to support a smooth transition and maintain positive workplace relations.
Seek legal or professional guidance to understand the full implications of the reforms and implement best practices.

With significant employment law changes ahead, staying informed and adapting proactively will be essential for small businesses. Ensuring compliance across areas such as pay, contracts, leave entitlements, and flexible working arrangements will help businesses mitigate legal risks, maintain operational stability, and foster a positive work environment.

Regularly reviewing policies, updating contracts, and engaging employees in the transition process will support a smooth adaptation to the evolving regulatory landscape. Taking early action through financial planning, policy adjustments, and expert consultation can help businesses navigate these reforms effectively, strengthening both compliance and long-term resilience.

Employers Liability Insurance for Small Businesses 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.

Sources

https://www.thetimes.com/business-money/companies/article/workers-rights-law-will-bring-havoc-to-uk-economy-employers-tell-starmer-b5999ttr8

https://www.gov.uk/government/news/what-does-the-employment-rights-bill-mean-for-you

https://commonslibrary.parliament.uk/research-briefings/cbp-10189/

https://commonslibrary.parliament.uk/research-briefings/cbp-7735/

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14:07:58 GMT • 26 March 2025

How to become a bricklayer

4 March 2025

•

10 mins read

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Do you love working with your hands, enjoy being outdoors, or want a career with solid earning potential, then bricklaying could be a great fit for you.

With the governments ambitious house building plans the construction industry is under pressure to deliver on building targets. However, it’s widely reported that there is a shortage of bricklayers, with numbers at their lowest in the UK, since 1998.* With 1.5 million new builds targeted it is estimated that 20,000* more bricklayers will be required, one of the most in demand trades across the construction industry. So, if you’re deciding on a trade for yourself, bear in mind that bricklayers can earn more than other trades – this might be an option to consider.

We’ve constructed an overview of the bricklayer landscape to help you assess if it’s the right direction for you. We’ll walk you through what bricklayers do, how to get trained, career pathways, earnings, and even how to start your own bricklaying business.

What do bricklayers do?

Bricklayers (or brickies) are the backbone of construction projects. Their job isn’t just stacking bricks – there’s a lot of skill involved – correctly laying bricks and concrete blocks that are built to last. There’s also work that involves other materials to build walls, homes, offices, and even grand architectural structures. As a bricklayer your main areas of work will be:

Reading construction plans and blueprints
Mixing and applying mortar
Ensuring walls are level and sturdy
Repairing and restoring old buildings
Working with various materials like bricks, blocks, and natural stone

If you like the idea of seeing the physical results of your work every day, bricklaying can be a very satisfying job.

Day-to-day bricklaying

There’s a wide variety to a bricklayer’s day but let’s look at a typical one:

Morning: Site prep & first bricks

Most bricklayers start early, usually by 7:30 AM. The day begins with checking plans, preparing materials, and setting up the work area. Once ready, you’ll start laying bricks, ensuring everything is level and secure using a spirit level and trowel.

Midday: Progress & coordination

After a short morning break, work continues, often coordinating with labourers, site supervisors, and other trades. Tasks might include cutting bricks to size, mixing mortar, and checking progress against blueprints. Then a midday lunch break.

Afternoon: Finishing & clean-up

The afternoon is spent progressing with the build, adding details like pointing (smoothing out mortar joints) for a neat finish. By 4 PM, tools are cleaned, the site is tidied, and the next day’s work is planned.

Essential skills for a bricklayer

To be a great bricklayer, you don’t need top grades in school, but you do need a good work ethic, and these specific skills will certainly help you out:

Physical fitness: It’s a hands-on job that involves lifting, bending, and working outdoors.
Attention to detail: No one wants wonky walls!
Basic maths skills: You’ll need to measure, cut, and calculate materials.
Good coordination: Bricklaying requires precision and accuracy.
Problem-solving ability: Every project is different, and you’ll need to think on your feet.
Teamwork: You’ll often be working with other tradespeople, from plumbers to electricians.

Average earnings for bricklayers and job outlook

Earnings vary depending on location and experience, but here’s a rough guide:

Apprentice Bricklayer – £12,000 – £18,000 per year
Qualified Bricklayer – £25,000 – £40,000 per year
Highly Experienced Bricklayer – £50,000+
Self-Employed Bricklayer – Potentially £60,000+ (more on that below)

The construction industry in the UK is growing, so skilled bricklayers will always be needed. To learn more read our blog on how much bricklayers make in the UK.

Training to become a bricklayer

Bricklaying is a skilled trade and you’ll need some valuable training to get started. There are different options to suit your preferred learning process or depending on where you are in life.

Apprenticeships (Best for hands-on learning)

Usually take around 2-3 years and result in an NVQ Level 2 or 3 in Bricklaying.

An apprenticeship is the most common way to become a bricklayer in the UK. You’ll earn while you learn, usually working four days a week with a bricklaying company and spending one day at college.

College courses (Ideal for career changers)

If you’re over 16 and want a structured way to learn, many colleges offer bricklaying diplomas or NVQs. Courses range from beginner to advanced levels, and while you won’t get paid while studying, they’re a good way to gain the skills needed for an apprenticeship or junior job. These courses are often more flexible with evening or weekend options to fit around other work.

On-the-job training

Some people start as a labourer and learn on the job. This can be a great way to get experience, and after a while, your employer may sponsor you to gain formal qualifications.

Qualifications

Whilst it’s not a requirement, if you’re looking to reach for the top jobs having a qualification will stand you in good stead. City and Guilds offer a few options. Here are some examples of different courses available:

Level 2 Technical Certificate in Bricklaying
Level 3 Advanced Technical Diploma in Bricklaying

Apprenticeship Bricklayer Level 2
Apprenticeship Craft Bricklayer Level 3

Career pathway for bricklayers

Bricklaying isn’t just about working on site all your life (unless that’s what you want!). There are several career progression opportunities:

Apprentice Bricklayer

Starting as an apprentice is the most common route into bricklaying. You’ll gain hands-on experience while earning a wage and working towards industry-recognised qualifications, such as an NVQ (National Vocational Qualification) in Bricklaying. Apprenticeships typically last around two to three years and involve a mix of on-site training and classroom learning at a college or training centre.

Qualified Bricklayer

Once you’ve completed your apprenticeship and achieved your NVQ, you’ll be recognised as a fully qualified bricklayer. This opens the door to working on a wide range of construction projects, from housing developments to commercial buildings and even large-scale infrastructure projects. As a qualified bricklayer, you can expect to earn a competitive wage and continue developing your skills on the job.

Specialist Bricklayer

If you’re interested in refining your expertise, you could specialise in areas such as:

Restoration & Conservation: Working on historic buildings and listed structures, carefully repairing or recreating brickwork in line with heritage standards.
Decorative Brickwork: Creating detailed brick patterns, arches, and ornamental designs that add architectural interest to buildings.
Refractory Brickwork: Installing heat-resistant bricks in industrial settings like furnaces, kilns, and chimneys.

Specialising can set you apart in the industry and may allow you to command higher rates for your expertise.

Site Supervisor / Foreman

With experience and strong leadership skills, you could step up into a supervisory role. As a site supervisor or foreman, you’ll be responsible for overseeing a team of bricklayers, ensuring work is completed to a high standard and within deadlines. This role involves managing materials, liaising with other trades, and ensuring health and safety regulations are met on site.

Construction Manager

If you’re ambitious and willing to take on further qualifications, such as an HNC, HND, or even a degree in Construction Management, you could progress to overseeing entire building projects. As a construction manager, you’d be responsible for budgeting, scheduling, and coordinating multiple aspects of a project, from planning to completion. This role comes with significant responsibility but also a higher earning potential.

Self-Employed Bricklayer

Fancy being your own boss? Many bricklayers choose to go self-employed, allowing them to set their own rates, choose their projects, and even build their own client base. Running your own business can be rewarding, but it also comes with added responsibilities such as managing finances, sourcing work, and handling customer relations.

How to become a self-employed bricklayer

If you want to be your own boss and earn more money, going self-employed could be a great option. Here’s what you’ll need:

Experience – Clients will want proof of your skills.
CSCS Card – Required for most UK construction sites.
Tools and Transport – You’ll need your own kit and a van.
Business Skills – Managing finances, quoting jobs, and finding clients.
Marketing – A website, social media, and word-of-mouth can help you get work.

Many self-employed bricklayers start by doing weekend jobs or small side projects before going fully independent.

Typical tools and equipment used by bricklayers

When you become a bricklayer, especially if you’re self-employed, you’ll want to start building up a range of tools, your typical toolkit should include:

Trowels – For spreading mortar
Spirit Level – To keep everything straight
Hammer & Chisel – For shaping bricks
Brick Jointer – To create neat mortar lines
Mixing Tools – For preparing cement and mortar

Safety gear, such as gloves, steel-toe boots, and a hard hat, is also essential.

Challenges and benefits of a bricklaying career

Like any job, bricklaying has its ups and downs.

Pros:

Job security – always in demand
Good earnings potential
Work outdoors, not stuck in an office
Great for people who enjoy hands-on work

Cons:

Physically demanding work
Working in all weather conditions
Early mornings and long hours

Starting a bricklaying business

If you’re ready to take the first step towards a career in bricklaying, here’s what to do:

Look for apprenticeships: Check sites like the UK Government’s apprenticeship portal.
Find a college course: Many local colleges offer bricklaying diplomas.
Gain work experience: Even unpaid work experience can help you get your foot in the door.
Network with professionals: Speak to builders and bricklayers in your area for advice.
Get your CSCS card: Most construction sites require this for safety reasons.

Bricklaying is a rewarding, hands-on career with great prospects. Whether you’re looking to start as an apprentice, switch careers, or even go self-employed, there’s plenty of opportunity in this field. So, if you like the sound of working with bricks and building something real, why not give it a go?

Get Bricklayers Insurance with Protectivity

When you’re starting out as a bricklayer you will no doubt be made aware of the safety precautions that you’ll need to follow to protect yourself from risks and dangers at work. Insurance is another key aspect to consider and having specific trades insurance is essential.

Protectivity’s bricklayers’ insurance can provide specialist cover for risks you face offering your bricklaying services.

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

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

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14:09:31 GMT • 26 March 2025

How to price a job & win business

27 February 2025

•

10 mins read

Contributors

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Pricing a job correctly is one of the most important things you can do as a tradesperson. Charge too little, and you risk working for nothing or even making a loss. Charge too much, and you might struggle to win business. In a competitive market, many tradespeople feel pressured to lower their prices to secure work, but this can be a costly mistake if it leads to unsustainable profits.

One of the most common pricing pitfalls is forgetting to include time, overheads, or unexpected expenses, which can leave you out of pocket. Another mistake is assuming that the cheapest quote always wins. While some customers will go for the lowest price, many are looking for reliability, quality, and professionalism. If you’re a skilled and trustworthy tradesperson, you’ll always be in demand – but that doesn’t mean you should undersell yourself.

The key to winning work without sacrificing profit is to price jobs fairly and confidently. Customers are willing to pay more when they see the value in your service. A well-structured quote, clear communication, and transparent pricing help build trust and make it easier for customers to choose you over someone who cuts corners.

Let’s walk through everything you need to consider pricing a quote for a job, from understanding costs to presenting a professional quote that wins more work. By getting your pricing right, you can grow a profitable business while maintaining a reputation for quality and fairness.

Calculating labour charges

Your time is valuable, so it’s important to charge fairly for your skills and experience. Failure to do so can lead to low profit margins and unsustainable pricing.

To charge fairly, you need to set a rate that reflects your skills, experience, and the true cost of your labour.

Consider whether to charge hourly or daily, factoring in industry standards, subcontractor costs, and regional differences – for example, rates in London and the South-East are typically higher.

Also, don’t forget to adjust for job complexity, specialist or more challenging work should be priced accordingly. A well-calculated labour rate ensures you’re paid what you’re worth, while remaining competitive.

Including plant and equipment costs

Many jobs require the use of specialist tools or machinery. A common mistake tradespeople make is overlooking the true cost of equipment.

If you own your tools, remember that maintenance, servicing, and eventual replacement all add up over time. For rented equipment, costs go beyond the hire fee and can quickly add up. These are some equipment costs, not to forget:

Owned Equipment

If you regularly use tools like drills, saws, or cement mixers, don’t forget the hidden costs:

Maintenance and servicing
Depreciation (eventually, tools need replacing)

Rented Equipment

For bigger jobs requiring plant hire (e.g. diggers, scaffolding, concrete mixers), remember to include:

Hire fees
Transport/delivery costs
Fuel for running the equipment
VAT charges

Markup vs. Profit margin

It’s common to get confused between markup and profit margin. The key difference is that markup is how much you increase your costs to set a price, while profit margin is what remains after all expenses are covered. Misunderstanding this can result in setting prices too low, reducing earnings, and even working at a loss.

A frequent mistake is assuming that a 20% markup results in a 20% profit margin – it doesn’t. If you markup materials costing £100 by 20%, you charge £120. But your actual profit margin is only 16.7%, because that £20 increase is a percentage of the final price, not the original cost. Over time, miscalculating markup vs. margin can eat into profits and make it harder to scale your business.

Key Differences

Markup – The percentage added to your cost price to set your selling price.
Profit Margin – The percentage of the final selling price that is profit after covering costs.

Example Calculation:

Cost of Materials (£)	Markup (%)	Selling Price (£)	Profit Margin (%)
£100	20%	£120	16.7%
£100	30%	£130	23.1%
£100	50%	£150	33.3%

If you mistakenly think markup and margin are the same, you could end up charging too little and reducing your actual earnings. For example, if you aim for a 20% profit margin, applying a 20% markup isn’t enough – you need to markup by 25% to achieve that margin.

Quoting with confidence

A clear, professional quote not only reassures customers but also sets the right expectations from the start. Many tradespeople miss out on work or face payment issues because their quotes lack detail or professionalism. A well-structured quote should be transparent, easy to understand, and justify your pricing.

Including key details in your quotes helps build trust and reduces the chances of disputes later. It also makes it easier for customers to compare your offer with competitors without just focusing on price. Where possible, providing options (e.g., economy vs. premium materials) can help customers feel in control of their budget while still choosing quality work.

Using digital quoting tools can streamline the process, ensuring accuracy and professionalism while saving time.

Section	What to Include	Why It’s Important
Breakdown of Costs	List materials, labour, equipment, and any subcontractor fees.	Ensures transparency and helps customers understand your pricing.
Terms & Conditions	Payment terms, deposit requirements, and any late payment policies.	Protects you from disputes and ensures customers understand their obligations.
Clear Timeline	Start and finish dates, plus any key project milestones.	Helps manage customer expectations and prevents unrealistic demands.
Optional Upgrades	Economy vs. premium materials or alternative solutions.	Gives customers flexibility while demonstrating your expertise.

Dealing with customer quote queries

Rarely will you receive no queries from a quotation for work. One of the biggest challenges in pricing work is handling customer expectations. Some customers may not understand the difference between a low-cost job and a high-quality one, while others might be looking for the best value rather than just the lowest price. Managing these situations professionally can help you win more business without undervaluing your work.

A well-informed customer is more likely to appreciate why your price is fair. Instead of justifying a higher quote defensively, focus on educating them about the benefits they’re getting. Here’s some tips:

Create a quote template

To keep things simple consider creating a quote template that you can add to each time and avoid forgetting all the information. Some online tools offer free building quote templates you can download.

Explain the value of your work

Highlight your experience, qualifications, and track record of reliable, high-quality work. Customers often pay more for expertise and peace of mind.

Ensure a like-for-like comparison

If a competitor’s quote is lower, check whether they’ve included everything – some tradespeople omit key costs (e.g., materials, VAT, or finishing work) to appear cheaper. Pointing this out can help justify your price.

Stand firm on pricing

Avoid dropping your price just to win a job. Lowering your rates can set unrealistic expectations for future work and may force you to cut corners, which could harm your reputation.

Offer options for different budgets

If a customer is price-conscious, provide different solutions (e.g., economy vs. premium materials) while maintaining quality standards. This gives them flexibility without compromising your rates.

Staying competitive without undervaluing yourself

Striking the right balance between competitive pricing and fair pay is crucial. Many tradespeople lower their prices to win work, but this can lead to unsustainable profits and set unrealistic expectations for future jobs. Instead of cutting your rates, focus on adding value and justifying your prices. Here are some smart strategies to stay competitive while protecting your earnings:

Offer small incentives – Discounts for repeat customers or referrals can encourage loyalty without undercutting your rates.

Emphasise quality and expertise – Make sure your quotes highlight your experience, specialist skills, and any certifications that set you apart.

Build a strong reputation – Good reviews, word-of-mouth recommendations, and a portfolio of past work can justify higher pricing.

Be transparent about pricing – Clearly explain what your quote includes to prevent customers from comparing your prices unfairly with lower-quality or incomplete quotes.

By focusing on professionalism, reliability, and the value you provide, you can attract the right customers – ones who appreciate quality over the cheapest price.

Useful Pricing Tools & Resources

To make pricing easier, consider using these resources:

Online job costing calculators (many trade websites offer free tools)
Trade organisation pricing guides (e.g., FMB, NICEIC, Gas Safe)
Apps for quotes & invoices (e.g., Tradify, QuickBooks, Xero)

Using digital tools makes you look professional and can speed up payments.

Tips to win business

Be upfront with customers about potential extra costs. If they know in advance, they’re less likely to argue if the final price is slightly higher.
Provide a rough timeline for completing the work. Customers prefer tradesmen who can commit to a schedule.
A well-priced job covers your costs while remaining competitive. Check what other tradespeople in your area charge to make sure you’re not pricing yourself out of the market.
Offer customers an optional upgrade on materials (e.g., standard vs. premium). This gives them choice and can increase your profits.
Encourage happy customers to leave reviews on Google, Facebook, or Checkatrade. Word-of-mouth recommendations help you charge a fair rate.

Getting your pricing right is essential for making a profit and running a successful trade business. By understanding your costs, setting fair rates, and presenting a professional quote, you can win more jobs without selling yourself short.

Get Tradesman Insurance from Protectivity

We’ve discussed how a successful pricing plan can keep you in control of maximising your profits – but what about things beyond control? That’s where insurance can step in to protect you from financial setbacks when things go wrong.

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

Whether you’re a carpenter, electrician, painter, builder, handyman or another trade -take two minutes today to take a closer look at our trades policies.

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15:39:25 GMT • 26 February 2025

What is a CPCS Card in the UK?

19 February 2025

•

9 mins read

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If you’re starting out in the construction industry and looking to operate heavy machinery, you might have heard about the CPCS card. But what exactly is it, and why do you need one?

The Construction Plant Competence Scheme (CPCS) is a widely recognised certification scheme in the UK that proves you have the skills and knowledge to safely operate plant machinery. Whether you’re handling excavators, dumpers, cranes, or forklifts, having a CPCS card can boost your employability and ensure you’re working legally.

Find out more as we walk you through everything you need to know about CPCS cards, from the different types available to how you can get one.

Who Needs a CPCS Card?

Not sure if you need a CPCS card? Here’s a quick guide to who should consider getting one:

Plant Operators – If you’ll be using equipment like diggers, rollers, telehandlers, cranes, or dumpers, you’ll need a CPCS card to prove you’re qualified.
Construction Workers Handling Machinery – Even if you’re not a full-time plant operator, if your job involves using construction plant, a CPCS card might be required.
Contractors & Subcontractors – Many major construction sites require all workers to have the right certification, including CPCS.
Self-Employed Tradespeople – If you’re working for yourself, having a CPCS card can make you more attractive to potential clients and employers.
Supervisors & Managers – Those overseeing plant operations may need a CPCS Black Card to prove they have management-level competence.

Holding a CPCS card isn’t always legally required, but in most cases, employers won’t hire you without one.

Different Types of CPCS Cards

There are several CPCS cards, each suited to different levels of experience:

Red Trained Operator Card (Entry Level)

This is the starting point for those new to plant operation or those undergoing formal training. If you’ve completed the required training but still need on-the-job experience, this is the card you’ll receive.

What does it prove?

You have completed CPCS-recognised training for your chosen category of plant machinery.
You have passed the CPCS Technical (Theory & Practical) Test for your specific plant type.
You understand the health and safety regulations relevant to your role.

How long is it valid for?

2 years (non-renewable).
You must progress to the Blue Competent Operator Card by completing a relevant NVQ/SVQ and proving your experience.

Common roles requiring a Red Trained Operator Card:

Excavator Operator
Telehandler Driver
Dumper Truck Operator
Crane Operator

Blue Competent Operator Card

The Blue CPCS Card is for experienced plant operators who have developed their skills on-site and completed an NVQ/SVQ qualification.

What does it prove?

You have extensive hands-on experience in plant operation.
You have successfully completed an NVQ/SVQ Level 2 (or higher) in your field.
You meet the industry-standard health and safety requirements.

How long is it valid for?

5 years (renewable).
Renewal requires passing the CPCS Renewal Test, proving ongoing competence, and maintaining a valid Health, Safety & Environment (HS&E) Test.

Common roles requiring a Blue Competent Operator Card:

Skilled plant operators working independently
Workers looking to become specialists in their machinery type
Experienced construction workers wanting higher pay and job stability

Black Manager Card

This is for experienced site supervisors, managers, and decision-makers who oversee plant operations rather than operate the machinery themselves.

What does it prove?

You have a higher level of competence in managing plant operations.
You have successfully completed an NVQ Level 4 or 5 in Site Management or Plant Supervision.
You understand regulatory compliance, risk assessments, and project planning.

How long is it valid for?

5 years (renewable).

Common roles requiring a Black Manager Card:

Site Managers
Plant Supervisors
Construction Project Managers

Tester Card

This card is designed for professionals who want to assess and certify others in plant operation.

What does it prove?

You are qualified to test and certify CPCS candidates.
You have a high level of expertise in plant operation.
You have completed the CPCS Tester Course and hold a valid Assessor Qualification.

How long is it valid for?

5 years (renewable).

Common roles requiring a Tester Card:

CPCS Testers working in accredited test centres
Industry professionals transitioning into training and assessment roles

How to Get a CPCS Card

Step 1: Check Your Eligibility

To apply for a CPCS card, you must be at least 16 years old and have completed relevant training.

Step 2: Pass the Health, Safety & Environment (HS&E) Test

Before applying, you must take the CITB Health, Safety & Environment (HS&E) test. This ensures you understand basic site safety and can work in a safe manner.

Step 3: Complete the CPCS Theory & Practical Tests

You’ll need to pass both:

The Theory Test – Covers machine operation knowledge and safety procedures.
The Practical Test – Assesses your ability to safely operate machinery.

Step 4: Apply for Your CPCS Card

Once you’ve passed, you can apply for your Red Trained Operator Card, which is valid for two years.

CPCS Card Renewal and Upgrades

Renewing Your CPCS Card

CPCS cards have an expiry date (usually five years for Blue Competent Operator Cards). To renew, you’ll need to:

Pass a CPCS Renewal Test
Show evidence of ongoing plant operation
Ensure your HS&E test is still valid

Upgrading to a Blue Competent Operator Card

To move from a Red Trained Operator Card to a Blue Competent Operator Card, you must:

Gain on-site experience
Complete an NVQ or SVQ in your chosen category
Pass the CPCS Competence Interview

This upgrade proves you’re a fully competent plant operator.

CPCS vs Other Competence Cards

CPCS vs CSCS (Construction Skills Certification Scheme)

While a CSCS card proves general construction knowledge, a CPCS card is specifically for plant operators. If you’re operating machinery, a CPCS card is required.

CPCS vs NPORS (National Plant Operators Registration Scheme)

NPORS is an alternative to CPCS, but CPCS is more widely recognised on larger construction sites.

Some employers accept NPORS, but many prefer CPCS.

If you’re unsure which card to get, check what your employer requires before applying.

Costs and Funding Options

The cost of getting a CPCS card can vary depending on:

Training courses – £500–£2,000 depending on the plant category
HS&E Test – Around £22.50
CPCS Theory & Practical Tests – Prices can vary by test centre

If you’re employed, your employer may cover the costs. There are also government grants and funding schemes available, especially for apprentices.

Common mistakes and CPCS cards

Not preparing for the HS&E test – It’s a requirement for getting your card!

Applying for the wrong CPCS card – Check which one suits your role.

Letting your card expire – Set a reminder for renewal deadlines.

Choose the right CPCS card

Applying for and maintaining a CPCS card is essential for plant operators and construction workers, but it’s easy to make mistakes along the way.

Not Preparing for the HS&E Test
The Health, Safety & Environment (HS&E) Test is a mandatory requirement for obtaining any CPCS card. Some applicants assume it’s an easy test and don’t prepare properly, leading to failure.
Applying for the Wrong CPCS Card
Many people apply for a CPCS card that doesn’t match their skills or job role. For example, a beginner may attempt to apply for the Blue Competent Operator Card without meeting the experience requirements.
Letting Your CPCS Card Expire
CPCS cards have an expiry date, and if you don’t renew on time, you may have to retake tests or even repeat training.

CPCS Card Type	Best For	Key Requirements	Validity
Red Trained Operator Card	New plant operators	CPCS Training + CPCS Test	2 years (non-renewable)
Blue Competent Operator Card	Experienced plant operators	NVQ Level 2 + CPCS Test	5 years (renewable)
Black Manager Card	Site managers & supervisors	NVQ Level 4/5 + Management Experience	5 years (renewable)
Tester Card	CPCS Testers & Trainers	Assessor Qualification + CPCS Experience	5 years (renewable)

FAQs About CPCS Cards

How long does it take to get a CPCS card?

It depends on your training and experience, but most people can get their Red Trained Operator Card within a few weeks.

Can I work without a CPCS card?

Some smaller sites may not require it, but for most construction projects, it’s essential.

What happens if I fail the CPCS test?

You can retake it, but it’s best to prepare well to avoid extra costs.

Your CPCS card is your key to better job opportunities and career progression in the construction industry. Whether you’re just starting out with a Red Trained Operator Card or aiming to become a CPCS Tester, knowing the right path can help you plan ahead and build a strong career in plant operation.

Make sure you check employer requirements, stay up to date with training, and renew your card on time to keep your skills and certifications valid.

Sorted your insurance? Get tradesman insurance with Protectivity

At Protectivity, we provide affordable tradesman insurance to cover specialist incidents commonly faced during trades projects. Our policies include public liability up to £5 million as standard; you then have the option to add Contractor Works cover, Plant and Tools cover, financial loss and employee tools (only if you’ve included the other benefits). That way, when unforeseen circumstances occur, you can ensure you’re protected from unexpected costs.

Take two minutes today to take a closer look at our trades policies.

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13:28:21 GMT • 19 February 2025

Trade Associations in the UK

19 February 2025

•

11 mins read

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

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

What is a Trade Association?

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

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

Key benefits

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

The biggest Trade Associations in the UK

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

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

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

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

Builders

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

Electricians

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

Bricklayers

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

Carpenters and Joiners

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

Other trade types

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

How many Trade Associations are there in the UK?

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

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

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

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

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

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

Why should you join a Trade Association?

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

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

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

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

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

The takeaway

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

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

Get Tradesman Insurance from Protectivity

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

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

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

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14:03:43 GMT • 12 February 2025

Side hustle tax UK: when and how to pay it

12 February 2025

•

6 mins read

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Side hustles have become the norm for millions of Brits, whether it’s selling handmade crafts, freelancing, dog walking, or working a second job.

According to data from Finder, the side hustle economy in the UK is booming with 39% of Brits now having a side hustle as an additional income stream and the average side hustle making £210 a week (or £914 a month).*

With the rising cost of living, more people are looking for extra ways to boost their income – but when does this attract the attention of HMRC? Well, it looks like it has.

The latest figures from HMRC report that 65% of people operating sides hustles are generally unaware they should be registered for tax. **

In fact, HMRC have just announced a new campaign ‘Help for Hustles’ that aims to help people understand their side hustle tax obligations and tackle what they call the ‘hidden economy’.

If you earn extra income from a side hustle or ‘odd jobs’ you could be failing to pay the tax you owe, which may lead to fines down the line. We’ve picked out some key points that should help you understand whether you’re operating a side hustle, how HMRC tax side hustles and if you need to pay tax on yours.

What counts as a side hustle?

A side hustle is any work you do outside of your main employment that earns you extra cash. Whether it’s a passion project, weekend gig, or a second job, if you’re making money, it’s worth knowing the tax rules. Here some popular side hustle categories:

Buying or making things to sell – Selling handmade or refurbished items on platforms like Etsy, eBay, Vinted, Depop, or Amazon Handmade.
Having a side gig – Working part-time or taking on second jobs, such as tutoring, bar work, or weekend shifts.
Working for yourself across multiple jobs – Freelancing, gig economy work (EG. TaskRabbit jobs), or offering services.
Content creation & influencing – Earning money through YouTube, TikTok, blogging, social media sponsorships, or affiliate marketing.
Manual labour & services – Dog walking, pet sitting, cleaning, property maintenance and gardening.
Renting out property – Earning money through short-term lets (Airbnb), spare room rentals, or property subletting.

Even if it’s just a hobby, you may still need to pay tax if you’re earning over a certain amount.

When do you need to pay side hustle tax?

You can earn up to £1,000 a year, tax-free under the Trading Allowance.

Earning less than £1,000? No need to declare it.
Earning more than £1,000? You must register with HMRC and report your income.

When does a side hustle become a small business?

Not sure if your side hustle has outgrown its “extra cash” phase? Here’s when it’s time to treat it as a business:

Earnings exceed £1,000 per year (you must register with HMRC).
You work consistently and professionally rather than as a one-off.
You invest in branding & marketing (e.g., website, social media ads).
You have business-related expenses (equipment, materials, insurance).
You’ve registered as a sole trader or limited company.

Hobby vs. Business – What’s the Difference?

If you’re making money as a one-off (e.g., selling an old laptop on eBay), it’s just personal income. But if you’re regularly selling goods or providing a service for profit, HMRC considers it a business.

Examples of when tax applies:

Selling handmade jewellery on Etsy every month.
Offering personal training or fitness coaching.
Running a dog walking or pet sitting service.
Cleaning houses or offering property maintenance services.

If your goal is to make a profit rather than just cover costs, you’re running a business, so tax applies, and it’s worth getting financial advice to stay compliant and tax efficient.

How to register & declare side hustle tax UK?

If you’re earning over £1,000, follow these steps:

Register as self-employed on GOV.UK.
Keep track of your income & expenses throughout the year.
Complete a Self-Assessment tax return (Deadline: 31st January each year).
Pay any tax and NICs owed based on your profits.

It’s smart to set aside around 20-30% of your earnings for tax, so you’re not caught off guard.

You can find out more about the new HMRC side hustle tax campaign on their website and how it’s relevant to you.

What you can claim back

It’s also worth knowing, you don’t pay tax on all your income – you can deduct expenses before tax is applied.

Common Tax-Deductible Expenses

Equipment & tools (e.g., dog grooming kits, baking tools, event decorations)
Travel costs (mileage, petrol, public transport for business purposes)
Marketing expenses (website costs, social media ads, business cards)
Office costs (if working from home, you can claim a portion of bills)

Keep all receipts and records to make sure you get the maximum tax relief!

Common mistakes & how to avoid them

Not tracking income & expenses properly – Use a spreadsheet or accounting app.
Assuming you don’t need to register – Even small earnings can require tax reporting.
Missing deadlines – Late tax returns = hefty fines from HMRC.
Forgetting to save for tax – Keep a portion of your earnings aside.

As HMRC raise awareness for their new campaign the key message is to help avoid these mistakes.

Angela MacDonald, HMRC’s Second Permanent Secretary and Deputy Chief Executive Officer, said:

“We know many people are turning their hobbies and interests into successful businesses and we’re here to help them understand their tax obligations.

Nobody wants an unexpected tax bill, so anyone with a side hustle should check HMRC’s straightforward guide and make sure they’re getting their tax right.”

Finally – side hustle tax obligations are up to you

By launching a new campaign HMRC have shown commitment to tackle the ‘hidden economy’ of undeclared income, which they estimated at £2.2 billion in the 2022-2023 tax year. **

From HMRC’s perspective paying taxes is your responsibility so if you fail to follow the rules and get caught, excuses and common mistakes are unlikely to be valid, so make sure you’re fully aware where you stand.

* Source: https://www.finder.com/uk/business-banking/side-hustle-statistics
**Source: https://www.gov.uk/government/news/love-your-side-hustle-make-it-tax-official-this-valentines

Protect your side hustle with Small Business Insurance

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.

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09:53:46 GMT • 13 February 2025

Carpenter vs Joiner: What are the key differences?

12 February 2025

•

11 mins read

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When it comes to woodworking, the terms “carpenter” and “joiner” are often used interchangeably, leading to some confusion. While both trades involve working with wood, they have distinct roles, skill sets, and areas of expertise. Understanding what the difference between a carpenter and joiner is, is not only helpful when hiring the right professional but also essential for anyone considering a career in woodworking.

We’ll breakdown the differences that set these trades apart looking at what their work focus is, tools and equipment that are used and consider – is one more skilled than the other?

If you’re thinking about going down the carpentry or joinery route this blog is a starting point to consider your options, look into skills and training and shed light on how they work together to bring projects to life.

What is Joinery?

Joinery is a trade that focuses on crafting wooden components in a workshop setting. These components are then transported to the construction site for installation. Joiners specialise in creating detailed and often bespoke wooden items that are both functional and decorative.

Are carpentry and joinery the same?

It’s a common misconception that carpentry and joinery are the same, but they are distinct trades with unique focuses:

Carpentry involves the construction, installation, and assembly of wooden structures and components on-site, often focusing on larger, structural elements like roofing, flooring, and frameworks.
Joinery is centred around crafting individual wooden components in a workshop, such as staircases, doors, and bespoke furniture, which are later installed on-site.

This division of labour ensures that each trade plays a complementary role in completing projects efficiently and to a high standard.

Differences between carpentry and joinery

Work Environment

Carpentry: Carpenters primarily work on construction sites, handling the assembly and installation of wooden structures.
Joinery: Joiners typically work in workshops, creating detailed components to be installed later.

Focus of Work

Carpentry: Involves structural work, such as framing a house or fitting skirting boards. Carpenters work on a variety of tasks, including:
- Building wooden frames for houses and other structures.
- Installing floors, skirting boards, and roof timbers.
- Assembling and fitting wooden fixtures such as staircases or shelving units.

Carpenters often work in dynamic environments, such as construction sites, where they may have to adapt to changing conditions.

Joinery: Focuses on intricate and decorative craftsmanship, Joiners work on tasks such as:
- Crafting doors, windows, and staircases.
- Designing and building bespoke furniture.
- Shaping and assembling intricate woodwork pieces.

Unlike carpenters, joiners primarily work indoors, using a controlled workshop environment to focus on precision and detail.

Level of Precision

Carpentry: Requires precision for assembling and fitting large structures but often involves pre-made items.
Joinery: Demands exceptional accuracy and fine craftsmanship to create high-quality, detailed pieces.

Tools and Machinery

Carpentry: Carpenters typically use tools like saws, drills, nail guns, hammers, and spirit levels. These tools are designed for on-site use and help carpenters cut, shape, and assemble materials efficiently.
Joinery: Joiners rely on advanced woodworking machinery, such as lathes, planers, routers, and sanders. These tools allow them to create detailed and high-quality items with exceptional accuracy.

Which trade is more skilled?

It’s not a matter of one trade being more skilled than the other. Both carpenters and joiners possess advanced craftsmanship but specialise in different areas:

Carpenters excel in large-scale, structural work and must adapt to on-site challenges.
Joiners focus on detailed craftsmanship, often working with advanced machinery to create bespoke pieces.

Instead of comparing skill levels, it’s better to see their roles as complementary. Both are essential to the success of a project.

Can joiners and carpenters overlap?

Whilst we’ve tackled the carpenter and joiner difference, there is some overlap between the two trades. Many professionals receive training in both, however, the extent of crossover depends on the project:

Joiners may occasionally handle carpentry tasks but often lack the tools or experience for large-scale, on-site work.
Carpenters may craft some items on-site, but they don’t usually have access to the specialised equipment joiners use in workshops.

For structural tasks, a carpenter is ideal, while for bespoke wooden items, a joiner is the right choice.

What skills and training are required?

Both carpentry and joinery have foundational skills in common:

Working with wood and other materials: Both trades require a deep understanding of timber and other materials, including how to select, prepare, and use them effectively.

Reading and interpreting blueprints: The ability to understand technical drawings is critical for creating precise and functional structures or products.

Measuring and cutting with accuracy: Precision is a cornerstone of both trades, ensuring high-quality results and proper fitting of components.

However, each trade also involves its own specialised skills and training:

Carpentry

On-site techniques: Carpenters need to develop skills specific to working on construction sites, such as erecting timber frames, fitting roofs, and installing structural elements.
Tool proficiency: Carpenters must master a range of hand and power tools, such as saws, drills, and nail guns, often used in outdoor or semi-constructed spaces.

Joinery

Mastering workshop machinery: Joiners work with specialised equipment, such as table saws, routers, planers, and mortising machines, to craft intricate and precise wood products.
Detailed craftsmanship: Joiners require patience and an eye for detail to produce high-quality bespoke items like furniture, cabinets, and staircases.

Training and Qualifications

Training for carpenters and joiners is typically gained through apprenticeships, college courses, or on-the-job learning, which combine practical experience with theoretical knowledge. Some examples include:

Carpentry Training

Joinery Training

Intermediate Apprenticeship in Site Carpentry

Covers essential skills like structural framework construction, roof trusses, and floor joists.

Combines classroom learning with on-site work experience to provide a broad understanding of construction methods.

Intermediate Apprenticeship in Bench Joinery

Specialises in creating detailed wood products, focusing on techniques like mortise-and-tenon joints, dovetailing, and laminating.

Apprentices split their time between a workshop and classroom training.

Level 2 or Level 3 Diploma in Carpentry and Joinery

Offered by colleges and training providers, this qualification focuses on site-specific carpentry tasks such as first and second-fix carpentry.

Includes health and safety training to prepare for construction site environments.

Level 2 or Level 3 Diploma in Carpentry and Joinery (Bench Joinery pathway)

Focuses on using workshop tools and machinery to produce bespoke wooden components.

NVQ in Wood Occupations – Site Carpentry

An advanced, work-based qualification that assesses practical skills and experience gained on the job.

NVQ in Wood Occupations – Bench Joinery

A practical qualification that evaluates a joiner’s ability to work to high standards in workshop-based environments.

Career path: Should you become a carpenter or joiner?

Both carpentry and joinery offer rewarding and varied career opportunities in the UK, with strong demand for skilled professionals across the construction and manufacturing industries. Choosing between the two trades depends on your interests, working preferences, and long-term goals.

Carpentry – A career in dynamic environments

Carpentry is well-suited to individuals who enjoy hands-on work in ever-changing settings. Carpenters often work on construction sites, engaging in structural tasks such as framing, roofing, and installing doors or windows. The dynamic nature of this work ensures no two days are the same, making it ideal for those who thrive in active, outdoor environments.

Career Progression in Carpentry

Specialist Roles: Carpenters can specialise in areas such as roofing, timber framing, or heritage restoration, working on prestigious projects like historic buildings or eco-friendly construction.
Site Management: With experience, carpenters can progress to roles such as site supervisor or project manager, overseeing teams and ensuring construction projects are completed efficiently.
Self-Employment: Many carpenters start their own businesses, offering bespoke services or working as subcontractors for construction firms.

Joinery – A career in craftsmanship

Joinery is ideal for individuals with a passion for precision and creativity. Working primarily in workshop settings, joiners produce intricate wooden items such as furniture, staircases, and cabinetry. This trade appeals to those who enjoy working with their hands on detailed, aesthetically focused projects in a more controlled indoor environment.

Career Progression in Joinery

Bespoke Crafting: Joiners can specialise in high-end bespoke furniture or luxury interiors, producing unique and highly valued items for clients.
Workshop Management: With experience, joiners can move into supervisory roles, managing teams of craftsmen and overseeing production schedules.
Self-Employment: Many joiners establish their own workshops or businesses, focusing on niche markets such as custom furniture or shopfitting.

Making the Choice

Your decision to pursue carpentry or joinery should be based on your interests and the type of work environment you prefer:

Carpentry is perfect for those who enjoy physical, outdoor work and thrive in dynamic, fast-paced environments.
Joinery appeals to individuals who value precision and creativity, working on projects that require attention to detail in a workshop setting.

Ultimately, both trades offer excellent opportunities for career progression, job satisfaction, and financial stability, making them attractive choices for those considering a career in woodworking.

Typical projects for carpenters and joiners

To understand the difference between carpenter and joiner, here are examples of what each trade typically works on:

Carpentry: Building a wooden frame for a house, fitting floorboards, or installing roofing timbers.
Joinery: Crafting a bespoke staircase, making custom doors or windows, or designing high-end furniture.

On larger projects, carpenters and joiners often collaborate, combining their skills to bring designs to life.

What is the difference in earnings for carpenters and joiners?

In the UK, the earnings of carpenters and joiners can vary based on experience, qualifications, location, and the type of projects they undertake. While the two trades share overlapping skills, their earning potential differs slightly due to the nature of their work and working environments.

Carpenters
Carpenters often work on construction sites, handling structural tasks such as framing, roofing, and large-scale timber frameworks. As a result, carpenters often command slightly higher earnings, reflecting the challenging conditions and broader range of tasks.

Average Earnings: A carpenter in the UK earns an average salary of £30,000 per year, with highly skilled or specialised professionals earning upwards of £40,000. Self-employed carpenters may earn more depending on their workload and client base.

Joiners
Joiners focus on precise, detailed woodwork, often carried out in a workshop setting. While their skills are highly valued, the workshop-based nature of their work tends to involve less physical exertion and fewer site-specific challenges, which can result in slightly lower average earnings.

Average Earnings: A joiner in the UK typically earns between £25,000 and £28,000 per year, with experienced joiners or those specialising in high-end bespoke projects earning upwards of £35,000. Self-employment and working on luxury commissions can increase earning potential.

Carpentry and joinery are two sides of the same coin, each bringing unique skills and expertise to the table. Whether you’re hiring a professional or exploring a career in woodworking, understanding their differences ensures the right fit for the job.

Get Carpenters Insurance from Protectivity

Protecting your business is important whatever your trade. That’s why it’s always smart to take out carpenters’ insurance or joiners’ insurance, to safeguard against property damage, injuries, or accidents that may occur during woodwork projects.

Our insurance for tradesman covers carpenters and joiners in the same policy. Not only does it provide more financial security for you, but it also cements trust with clients, demonstrating professionalism and responsibility in the face of potential uncertainties.

Protectivity’s carpenters insurance includes public liability up to £5 million as standard; you then have the option to add Contractor Works cover, Plant and Tools cover, financial loss and employee tools (only if you’ve included the other benefits). We now also offer comprehensive tools insurance for tradesman. That way, when unforeseen circumstances occur, you can ensure you’re protected from unexpected costs.

Find out more when you get a quote online.

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16:12:32 GMT • 6 February 2025

How to become a locksmith

6 February 2025

•

9 mins read

Contributors

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

Get Locksmith insurance from Protectivity

Have you ever locked yourself out of your home and wished you had the skills to save the day? Rescuing customers from these types of predicaments is a typical day in the life of a locksmith. It’s a job in demand, especially those with the skills and experience to take on large projects. Data from the Master Locksmith Association (MLA) indicates there are only just over 340 registered locksmiths in the UK. Whilst the profession is not regulated any many will not be certified it provides an indication that there is scope to develop and progress in the career.

You may well ask now – how can I become a locksmith? If you’re curious about how to join their ranks, you’ve come to the right place. Here’s some top tips you need to know about becoming a locksmith in the UK.

What does a locksmith do?

The life of a locksmith is anything but boring. One moment you’re replacing a lock for a new homeowner, the next you’re cutting keys in your workshop, and before you know it, you’re on your way to rescue a forgetful customer locked out of their car.

Locksmiths also install high-security locks, repair broken mechanisms, and even work on safes. If you’re tech-savvy, there’s a growing demand for locksmiths who can handle digital and smart locks. So, no two days are the same, and there’s always something new to learn.

Skills and qualities you’ll need

Before you throw money at training, it’s worth checking if you’ve got the right qualities for the job. A locksmith needs to have:

Manual dexterity: You’ll be working with small parts, so steady hands are a must.
Problem-solving skills: Every lock is a puzzle waiting to be solved.
Patience: Some locks will test your limits – and so will some customers.
Customer service skills: A friendly attitude goes a long way in this business.
Reliability: Customers depend on you to show up and get the job done.

Training and Qualifications

While there’s no legal requirement for formal qualifications to become a locksmith in the UK, proper training is essential to develop the skills and knowledge needed for the job. Here’s a quick rundown of what you need to know:

Locksmith training courses

Basic Courses: These cover essential skills like lock picking, key cutting, and repairing standard locks. Most courses last 3–5 days, making them a quick way to get started.
Advanced Courses: For those looking to specialise, advanced training focuses on digital locks, safes, and automotive locksmithing.
Reputable Providers: Look for accredited training centres or organisations such as the Master Locksmiths Association (MLA) to ensure high-quality instruction.

On-the-Job Experience

Practical experience is just as important as formal training. Many locksmiths start by working with an experienced professional or practising on old locks to hone their skills.

Accreditation and memberships

Joining the Master Locksmiths Association (MLA) is a great way to boost your credibility. It’s not mandatory, but it demonstrates professionalism and helps build trust with customers.
A DBS (Disclosure and Barring Service) Check is also advisable, as it reassures clients that you’re trustworthy and reliable.

How long does it take to become a locksmith?

The answer depends on how far you want to take your training. Basic locksmith courses can be completed in a few days, giving you the skills to start with standard locks. If you want to specialise in areas like digital locks, safes, or automotive locksmithing, additional training is required, which could take a few weeks or months.

How much does it cost to become a locksmith?

Getting started as a locksmith doesn’t have to break the bank, but there are some upfront costs:

Training courses: Basic courses start around £400, while advanced ones can reach £1,000 or more.
Tools: A basic toolkit can cost £500-£1,000, depending on the quality.
Extras: Consider insurance, marketing, and optional memberships like the MLA.

On average, you can expect to invest £2,000 to £3,000 to get your locksmith career off the ground.

How much can you earn as a locksmith?

Here’s where things get interesting. As a locksmith, your earnings depend on factors like location, experience, and whether you’re self-employed or working for a company.

On average:

A beginner locksmith might earn £18,000-£25,000 per year.
Experienced locksmiths can earn £30,000-£40,000.
Self-employed locksmiths can earn significantly more, especially if they offer 24/7 emergency services.

Emergency callouts can fetch £60-£100 per job, and if you’re dealing with high-security locks, those fees can climb even higher.

Do locksmiths need a licence in the UK?

Here’s the good news – you don’t need a formal licence to become a locksmith in the UK. However, that doesn’t mean you can wing it with a screwdriver and a prayer. Customers need to trust you with their security, and that’s where qualifications, training, and a DBS (Disclosure and Barring Service) check come in handy.

Joining the Master Locksmiths Association (MLA) can also give you a stamp of credibility. While it’s not mandatory, it’s a great way to show customers you mean business.

Starting a locksmith business

So, you’ve got the skills, the tools, and the determination – now it’s time to start your locksmith business. Here’s how to get things rolling:

Register your business

First things first, you’ll need to decide whether you want to operate as a sole trader, partnership, or limited company. Each option has its pros and cons, but most locksmiths start as sole traders for simplicity. Don’t forget to register with HMRC and sort out your taxes.

Get Insured

Insurance is a must for any locksmith business. Public liability insurance for locksmiths protects you if something goes wrong on the job, and tool insurance covers your expensive kit in case of theft or damage. If you’re working on high-value locks, additional coverage might be worth considering.

Invest in tools

Your tools are your bread and butter. Make sure you’ve got a high-quality set that includes picks, tension wrenches, drills, and key cutters. As your business grows, you can invest in more specialised tools for safes, digital locks, or automotive locksmithing.

Create a pricing structure

Decide how much you’ll charge for different services. Research competitors in your area to ensure your prices are competitive but still profitable. Don’t forget to factor in emergency call-out fees for those middle-of-the-night rescues.

Market your services

No one can hire you if they don’t know you exist. Build a professional website showcasing your services, expertise, and contact details. Invest in local SEO so your business appears in “locksmith near me” searches. Don’t underestimate the power of social media, word-of-mouth referrals, and online review platforms like Trustpilot.

Offer 24/7 services

If you’re ready for the challenge, offering round-the-clock services can set you apart from competitors. Emergencies don’t stick to a 9-to-5 schedule, and being available at odd hours often commands higher fees.

Build a strong reputation

Reliability and excellent customer service are key to growing your business. Always arrive on time, complete jobs efficiently, and maintain a friendly, professional attitude. Happy customers will leave glowing reviews and recommend you to others.

Tips for Success

Like any job, locksmithing has its challenges. Emergency callouts at odd hours can be tough, and competition in some areas can be fierce. But with the right approach, you can thrive.

Here are a few tips:

Offer 24/7 service: Customers will love your availability.
Keep learning: Stay updated on new technologies and lock types.
Market yourself: Build a website, use social media, and network locally.
Be reliable: A great reputation is the key to long-term success.

Becoming a locksmith in the UK is a fantastic career choice if you’re looking for variety, independence, and the chance to help people in their hour of need. Whether you’re just starting out or looking for a career change, locksmithing offers flexibility, steady demand, and plenty of room to grow.

Get Locksmith Insurance from Protectivity

As part of your income protection, particularly if you’re self-employed having comprehensive insurance can help you avoid costly setbacks if things go wrong.

If you’re working for an employer, then you’ll normally be covered by whatever insurance provision they have in place. But if you’re working on a self-employed basis or running your own locksmith business where you’re employing other people, then having your own cover in place is a must.

At Protectivity, we specialise in providing locksmith insurance to people just like you. Our cover includes up to £5 million of public liability cover, employers’ liability if you hire other people and commercial legal protection. That way, when unforeseen circumstances occur, you and your business won’t end up out of pocket.

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

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