Category: Business

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 Information is factually accurate at the time of publishing but may have become out of date.

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16:30:07 BST • 5 June 2025

Popular fitness trends to offer as a Personal Trainer

14 May 2025

•

7 mins read

Contributors

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

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

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

Mind-body & recovery-inspired trends

Hybrid strength & mindfulness classes

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

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

Flow State sessions

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

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

Sound bath recovery sessions

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

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

Digital & tech-enhanced training

Virtual Reality fitness (VR Workouts)

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

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

AI-supported training

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

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

Creative movement & dance fusion

Dance-based fitness fusions

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

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

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

Aquatic & recovery-based fitness

Aqua boxing & deep water HIIT

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

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

Functional performance & playful training

Parkour fitness (for adults!)

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

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

Weighted vests for functional conditioning

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

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

Experience-based fitness

Fitness festivals & pop-up events

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

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

What to consider before launching a new trend

1. Qualifications & Insurance

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

2. Safety

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

3. Know your clients

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

4. Cost vs Value

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

5. Authenticity

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

Final thoughts

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

Get Personal Trainer Insurance from Protectivity

Get Personal Trainer Insurance from Protectivity

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

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

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

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12:06:21 BST • 14 May 2025

How to get more reviews for your small business

8 May 2025

•

9 mins read

Contributors

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

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

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

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

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

Why reviews matter for small businesses

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

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

Build trust instantly

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

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

Improve local SEO

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

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

Boost conversions

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

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

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

Amplify word-of-mouth

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

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

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

The best review platforms

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

Google Reviews

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

Trustpilot

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

Facebook Recommendations

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

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

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

Yell & Yelp

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

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

How to get more reviews?

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

Get the timing right

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

Keep it simple

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

Ask in directly

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

Offer light incentives (ethically)

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

Prompt (Gently)

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

What to do if you get a bad review

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

Keep it calm

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

Spot the difference: Constructive vs. fake

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

Use criticism to get better

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

How to make the most of your reviews

Show them off

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

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

Feed the feedback loop

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

Use reviews as a growth strategy

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

Brands that are winning with reviews

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

Blush Beauty (London) – via Treatwell

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

Breathe Yoga Studio (Manchester) – via Google

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

Paws & Relax Grooming (Brighton) – via Facebook

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

Making reviews part of your daily routine

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

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

Get Small Business Insurance from Protectivity

Get small businesses insurance from Protectivity

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

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

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

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

Last updated by

09:27:38 BST • 9 May 2025

How much to charge as a gardener

23 April 2025

•

8 mins read

Contributors

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

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

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

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

How much do gardeners earn?

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

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

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

How much do gardeners charge on average in the UK?

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

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

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

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

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

Average hourly rate for gardeners

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

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

Average day rate for gardeners

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

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

Considerations in how much to charge as a gardener?

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

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

Understand your costs

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

Research the market

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

Reflect your experience and skill

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

Consider demand and availability

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

Include a profit margin

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

Set a minimum charge for small jobs

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

Review rates regularly

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

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

Winter vs. Summer – Seasonal income

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

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

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

Setting up a gardening business & startup cost

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

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

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

Additional pricing considerations

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

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

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

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

Sources:

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

Get Gardeners' Insurance from Protectivity

Get Gardeners’ Liability Insurance from Protectivity

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

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

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

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

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15:48:57 BST • 30 April 2025

How to leverage word of mouth marketing for your small business

17 April 2025

•

9 mins read

Contributors

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

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

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

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

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

What is word of mouth marketing?

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

Types of WOMM

Organic WOMM – This occurs when customers genuinely enjoy a product or service and talk about it with friends, family, or social media followers. There is no incentive involved; it stems purely from enthusiasm and satisfaction.

Amplified WOMM – In this case, businesses actively encourage and promote word-of-mouth sharing. This could be through referral schemes, social media engagement, or influencer collaborations.

Why is WOMM essential for small businesses?

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

Why do people share recommendations?

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

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

WOMM channels in the digital era

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

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

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

How to use Word of Mouth Marketing for your small business

Deliver outstanding service & experiences

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

Encourage reviews & testimonials

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

Leverage social media

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

Use referral & loyalty programmes

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

Work with micro-influencers & brand advocates

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

Engage in community & networking

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

Benefits of Word of Mouth Marketing

Higher trust & credibility

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

Cost-effective

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

Builds customer loyalty

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

Boosts brand awareness

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

Increases conversions

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

Costs of using Word of Mouth Marketing

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

Paid WOMM Strategies:

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

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

Small businesses that benefit most from WOMM

Local service-based businesses

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

Professional services

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

Retail & E-commerce

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

Fitness, health & wellness

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

Examples of successful word of mouth marketing campaigns UK

Wild Cosmetics

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

Wingstop UK

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

Why small businesses can thrive with WOMM:

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

Word of mouth marketing plan checklist

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

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

Specialist Small Business Insurance from Protectivity

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

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

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

Get Small Business Insurance from Protectivity

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17:11:19 BST • 17 April 2025

Making Tax Digital Deadline April 2026

17 April 2025

•

7 mins read

Contributors

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

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

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

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

What is Making Tax Digital (MTD)?

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

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

What will be different under MTD for income tax?

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

Quarterly updates

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

End of Period Statement (EOPS)

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

Final Declaration

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

Digital record-keeping

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

Who does MTD apply to

It applies to you if:

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

Who may be exempt?

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

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

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

When is the deadline?

The MTD rollout for Income Tax is happening in stages:

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

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

What are the penalties for missing the deadline?

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

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

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

How to prepare for the MTD changes

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

1. Check if MTD Applies to You

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

2. Apply for an exemption (if you qualify)

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

3. Choose Your MTD software

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

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

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

4. Start keeping digital records

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

Sales and income
Business expenses
Bank transactions

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

5. Get familiar with quarterly updates

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

Your updates are due:

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

6. Set up digital links

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

7. Speak to an accountant or bookkeeper

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

Choosing MTD-compatible software

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

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

Popular options include:

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

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

What is a digital link—and is it necessary?

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

Under MTD rules:

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

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

Final Thoughts

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

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

Get Small Business Insurance from Protectivity

Affordable small business insurance from Protectivity

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

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

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

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11:42:06 BST • 23 April 2025

How to start a gardening business

By Mandy Czyz

16 April 2025

•

10 mins read

Contributors

Mandy Czyz

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

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

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

Who should start a gardening business?

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

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

How to start your own gardening business

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

Research and planning

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

Create a business plan

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

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

Legal considerations

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

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

Why you should start a gardening business

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

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

Cost of starting a gardening business

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

Professional gardening tools

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

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

Insurance

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

Marketing and advertising

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

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

Ongoing Costs

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

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

Profitability of gardening

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

What skills do you need?

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

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

Qualifications and licences

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

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

How to register a gardening business

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

Sole trader

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

Limited company

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

Additional considerations

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

Different types of gardening services

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

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

Finding your customers

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

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

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

Get Gardeners’ Insurance from Protectivity

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

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

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

Get Gardeners' Insurance from Protectivity

Last updated by

15:48:38 BST • 30 April 2025

Latest scams affecting small businesses

15 April 2025

•

9 mins read

Contributors

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

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

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

Types of scams

Phishing emails

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

Invoice fraud & fake supplier scams

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

Business identity theft

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

CEO and impersonation scams

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

Cyber fraud and malware

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

Cost of scams

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

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

Scale of scams to small businesses

Prevalence

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

Top tactics

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

Are small businesses keeping up?

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

Preventative measures

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

Be sceptical and verify requests

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

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

Educate and train employees

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

Strengthen cybersecurity hygiene

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

Secure your business identity

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

Implement strong payment controls

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

Report and respond quickly

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

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

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

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

Sources

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

UK Finance – industry reports on fraud losses and scam types

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

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

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

Visa UK – SMB Fraud research 2024 (press release)

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

Avena Group

Get Small Business Insurance from Protectivity

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

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

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

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

Get Small Business Insurance from Protectivity

Last updated by

15:08:16 BST • 14 April 2025

Different types of employment contract

2 April 2025

•

8 mins read

Contributors

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

Hiring staff is a big step for any small business, and getting the employment contract right is crucial. The type of contract you use doesn’t just affect your legal obligations, it also gives you the flexibility to manage your staffing resources in a cost-effective way. Whether you need someone full-time, part-time, or just for the odd shift, choosing the right agreement can help you balance workload demands without overstretching your budget.

Just as importantly, clear and appropriate contracts protect your business if things don’t go to plan, for example, when someone fails to meet their responsibilities or disputes arise. Setting expectations from the start can save a lot of time, stress, and money later on.

In this guide, we’ll explore the main types of employment contracts available to small businesses in the UK, including additional considerations to help you stay compliant, flexible, and protected.

Standard employment contracts

Full-Time Contracts

A full-time contract is the most traditional form of employment, where an employee works a set number of hours per week, typically between 35 and 40. Full-time employees are entitled to statutory benefits such as paid holiday, sick leave, workplace pensions, and redundancy rights. This type of contract provides job security for employees while offering stability for employers who require consistent staffing. Full-time contracts are ideal for core roles within a business that require ongoing commitment and responsibility.

Part-Time Contracts

Part-time contracts work similarly to full-time ones, but with fewer weekly hours. Employees on part-time contracts receive the same legal rights as full-time workers, including paid holiday and pension contributions, but on a pro-rata basis. This type of contract is particularly useful for businesses that need staffing at peak times but not full-time coverage. It also offers flexibility for workers, making it an attractive option for parents, students, or those seeking work-life balance.

Fixed-Term Contracts

A fixed-term contract is used when an employee is needed for a specific period, such as six months or a year. This could be to cover maternity leave, complete a particular project, or manage seasonal demand. Employees on fixed-term contracts have the same rights as permanent employees, including protection against unfair dismissal after two years of service. It’s a great way for businesses to fill temporary skill gaps without the long-term commitment of a permanent hire.

Zero-Hours Contracts

Zero-hours contracts allow businesses to hire staff without guaranteeing them a set number of hours. Instead, employees are offered work as and when needed. They have the right to refuse work without penalty, and they are entitled to holiday pay and other statutory rights. This type of contract is popular in industries with fluctuating demand, such as hospitality and retail. However, businesses must ensure fair treatment of zero-hours workers to maintain good working relationships and avoid potential legal issues.

Apprentice Contracts

An apprentice contract is designed for employees who are combining work with structured training. Apprentices are paid in line with the national apprentice wage and must receive formal training as part of their employment. This contract benefits businesses looking to develop talent from the ground up, providing skilled employees who understand company processes and culture. While apprentices require investment in training, they can become valuable long-term assets to the business.

Contracts for self-employed staff

Self-employed workers, such as freelancers and consultants, operate differently from employees. They manage their own tax and National Insurance contributions and are not entitled to standard employee benefits. Hiring self-employed staff can be a cost-effective way for small businesses to access specialist skills without long-term commitments.

However, it’s essential to clearly define the terms of engagement in a written contract to avoid any confusion about employment status. Misclassifying a self-employed worker as an employee can lead to legal and tax complications.

Agency contracts

When hiring through an agency, the agency itself is the employer, not your business. This means the agency handles pay, contracts, and certain legal responsibilities. Agency workers are entitled to basic employment rights, and after 12 weeks in the same role, they gain additional protections, such as equal pay to permanent staff.

Using agency contracts is a flexible way to fill short-term staffing needs, particularly during busy periods, but can sometimes be more expensive than hiring directly.

Contracts for casual workers

Casual workers are employed on an ad-hoc basis, often with no set hours or guaranteed work. This type of contract is similar to zero-hours contracts but is usually more informal. Casual workers are entitled to basic employment rights, including holiday pay, but may not have the same level of job security as contracted employees. Businesses that require staff for occasional events, seasonal peaks, or irregular work may find casual contracts to be a practical solution. However, it’s important to ensure workers understand the nature of their employment to avoid disputes.

Choosing the right contract for your business

Selecting the right employment contract depends on several factors, including the level of commitment required, budget constraints, and legal responsibilities. Permanent contracts provide stability, whereas flexible contracts like zero-hours or self-employment agreements offer adaptability.

Small businesses should also be mindful of employment law and ensure all contracts comply with UK regulations. A well-structured contract can prevent misunderstandings, protect your business, and create positive working relationships. Seeking legal advice when drafting employment contracts can be a valuable investment in avoiding future issues.

Other considerations for employers

Offering the right contract is only one part of hiring staff—there are several other important considerations that small business owners should keep in mind to stay compliant and create a positive working environment.

Written Statement of Employment

By law, all employees and workers are entitled to a written statement of employment particulars on or before their first day. This isn’t the full contract, but it outlines key terms such as pay, working hours, and holiday entitlement. Ensuring this is provided on time is a legal requirement and helps set clear expectations from the start.

Right to Work Checks

Before employment begins, employers must confirm that the individual has the legal right to work in the UK. This applies to all staff, regardless of nationality, and failure to do so can result in hefty fines.

Pay and Minimum Wage

It’s essential to ensure that all workers are paid at least the National Minimum Wage or National Living Wage, depending on their age and employment status. Regularly reviewing pay in line with government updates helps ensure ongoing compliance.

Pension Enrolment

Most employees must be automatically enrolled in a workplace pension scheme if they meet the criteria (age and earnings thresholds). As an employer, you’ll need to make contributions to their pension unless they choose to opt out.

Health and Safety

Even in small businesses, employers have a duty to provide a safe working environment. This includes carrying out risk assessments, offering training where needed, and putting in place relevant health and safety policies, especially important if staff are working with equipment or in physical roles.

Policies and Procedures

Having clear workplace policies—such as grievance procedures, disciplinary processes, and equal opportunities policies—can help you manage your team fairly and consistently. While not all are legally required, they provide useful frameworks for handling workplace issues.

Employers’ Liability Insurance

If you employ one or more members of staff, you are legally required to have Employers’ Liability Insurance. This protects your business by covering claims if an employee is injured or becomes ill as a result of their work. The minimum level of cover is £5 million, and you could face fines if you don’t have a valid policy in place.

In summary…

Understanding the different types of employment contracts can help small businesses build a strong and flexible workforce while remaining legally compliant. Whether you’re hiring full-time staff, freelancers, or temporary workers, selecting the right contract ensures clarity and fairness for both employer and employee.

As employment laws evolve, it’s worth reviewing your contracts regularly to ensure they meet current legal standards. For further guidance, you can refer to UK government resources on employment law.

Get Small Business Insurance from Protectivity

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

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

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

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12:24:45 BST • 2 April 2025

Offering EICRs as an Electrician: What you need to know

2 April 2025

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8 mins read

Contributors

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An Electrical Installation Condition Report (EICR) is a key service electricians provide to assess the safety and integrity of a property’s electrical systems. It involves a thorough inspection and testing process designed to identify issues such as faulty wiring, deterioration, non-compliance with current regulations, or potential fire and shock risks.

As an electrician, understanding and offering an EICR test not only boosts your service offering but plays a critical role in public and workplace safety.

Are you wanting to know more about offering EICR’s? It could be a valuable service to expand your client base. We’ve provided an overview of who might need them, what they involve and parts of the process to be aware of to help weigh up, if it’s worth getting qualified.

Who needs an EICR certificate?

Understanding your market helps you position EICRs as a necessary service:

Landlords

Landlords are legally required to obtain an EICR at least every five years for rental properties. The Electrical Safety Standards in the Private Rented Sector (England) Regulations 2020 make it mandatory to provide a copy of the report to tenants and local authorities if requested. Houses in Multiple Occupation (HMOs) have even stricter requirements, ensuring that shared properties meet safety standards.

Homeowners

While homeowners are not legally required to have an EICR, it is highly recommended every ten years or when selling a property. Many mortgage lenders and solicitors request an EICR to confirm electrical safety before completing a house sale. If a property has undergone renovations or has outdated wiring, an EICR can help identify potential hazards.

Businesses and Commercial Property Owners

Under the Health and Safety at Work Act 1974, business owners must ensure that electrical installations are safe for employees and customers. EICRs play a key role in meeting this duty of care, with recommended inspection intervals varying based on the type of business and its electrical usage. Failure to maintain electrical safety can result in legal penalties and insurance issues.

Public and High-Risk Buildings

Buildings such as schools, hospitals, hotels, and leisure centres require regular EICRs due to the high number of occupants and potential risks. These buildings typically require inspections every one to five years, depending on the level of electrical demand and safety risks associated with their use.

Industrial Sites

Factories, warehouses, and other industrial premises require more frequent EICRs due to the high electrical loads and complexity of installations. The recommended interval for these properties is generally every three to five years, ensuring that any faults are identified before they pose significant hazards.

Construction and Temporary Installations

Electrical systems used on construction sites, temporary event venues, and similar locations must comply with BS 7671 regulations. These installations often require inspections every three months due to the changing nature of the environment and the risks involved.

What does an EICR involve?

As the professional conducting the EICR, your responsibility is to inspect and test the property’s electrical installation, checking components such as:

Distribution boards
Wiring systems
Sockets and switches
Earthing and bonding

You’re looking for signs of wear, overloading, damage, or anything that doesn’t comply with BS 7671 (IET Wiring Regulations). Each issue you find is classified into one of the following codes:

C1: Danger present – immediate action required
C2: Potentially dangerous – urgent remedial work needed
C3: Improvement recommended (not legally required)
FI: Further investigation required

Serious faults (C1 or C2) should be clearly explained to the client, with recommendations for remedial work.

Why EICRs matter for your clients (and your business)

Whether you’re working with landlords, homeowners, commercial clients, or industrial sites, the demand for EICRs is growing steadily. This is driven not only by tightening legal requirements but also by a growing awareness around electrical safety and risk management.

For clients, an EICR is more than just a report—it’s a vital step in demonstrating due diligence, protecting occupants, and avoiding liability. For you, as an electrician, offering this service allows you to:

Ensure compliance with UK legislation such as the Electrical Safety Standards in the Private Rented Sector (England) Regulations 2020 and the Health and Safety at Work Act 1974.
Support clients in fulfilling their legal and insurance obligations, especially in rented or commercial environments where duty of care is non-negotiable.
Help maintain high safety standards in properties that may have outdated or overloaded systems, particularly in older buildings or those with high energy demands.
Provide peace of mind—landlords want safe tenants, businesses want protected assets, and homeowners want assurance their home isn’t hiding unseen hazards.
Position yourself as a trusted expert, helping clients navigate regulations, understand risks, and make informed decisions about remedial work.

From a business standpoint, being qualified to deliver EICRs gives you a strong competitive edge. Clients are increasingly looking for electricians who can provide full inspection and testing services, not just installations and repairs. It also opens doors to repeat business—especially with landlords and commercial clients who require inspections on a regular cycle.

How to qualify to offer EICR certificates

Only a qualified and registered electrician can conduct an EICR. To legally carry out EICRs, you must:

Be a qualified electrician with experience in inspection and testing.
Hold the Level 3 Award in Periodic Inspection & Testing (2391-51 or equivalent)
Be registered with a recognised body such as:
- NICEIC
- NAPIT
- Elecsa

Certification from these schemes assures clients that you’re competent, up to date with regulations, and authorised to issue EICRs. If you’re not certified yet, consider enrolling in a 2391 course and applying for scheme membership—it’s a worthwhile investment to expand your services.

What happens after you complete an EICR?

Once an EICR is completed, you need to provide a report detailing any issues found. If no faults are detected, the installation is deemed safe. If problems are identified, remedial work must be carried out, particularly for C1 and C2 issues. Once repairs are made, a follow-up inspection may be required to confirm compliance. Landlords must provide copies of the EICR to tenants, and businesses must retain records for legal and insurance purposes.

Deliver the EICR to the client clearly outlining any observations or defects.
For C1/C2 issues, recommend immediate remedial action.
If necessary, book a re-inspection after the remedial work is completed.
Keep records of all reports for compliance, especially for business and landlord clients.

How to price EICRs

When working out your pricing you will need to consider the variations based on complexity, but here are general guidelines on the cost of EICR certificates:

Domestic: £100–£300
Rented properties: £150–£350
Commercial/Industrial: £300+ (based on scale and layout)

Be transparent about costs and explain what’s included. Emphasise your accreditation and experience to justify quality over cut-price competition.

What is the difference between an electrical certificate and an EICR?

An Electrical Installation Certificate (EIC) is issued when a new electrical installation or major modification is completed. It confirms that the work meets UK wiring regulations. In contrast, an EICR is a periodic inspection of an existing electrical system, identifying wear and potential hazards. While both documents are essential for ensuring electrical safety, an EIC is for new work, whereas an EICR assesses the ongoing condition of an existing installation.

Make sure your clients understand the difference:

EIC: Issued after a new installation or major modification.
EICR: A periodic assessment of an existing system.

Both are important, but an EICR ensures ongoing safety and compliance of existing systems — a valuable recurring service opportunity for you.

Final Thoughts…

Offering EICRs is more than a box-ticking service, it’s a key part of protecting people, properties, and your clients’ reputations. By staying qualified, compliant, and thorough, you position yourself as a trusted electrical safety expert.

If you’re not currently qualified to offer EICRs, now is the time to upskill. Once certified, promote your EICR services confidently, because electrical safety starts with you.

Get Electricians’ Insurance from Protectivity

If you’re working on a self-employed basis or running your own electrician business where you’re employing other people, then having your own cover in place is a must. If something goes wrong, the financial implications can be severe, which is why having the correct tradesman insurance is essential.

At Protectivity, we specialise in providing electricians’ insurance to professionals just like you. 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. Our tools insurance, is ideal for electricians needing to protect their equipment.

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

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