Category: Business

09:40:39 GMT • 11 November 2024

Essential Tips: Registering for VAT in the UK

4 June 2024

•

12 mins read

Contributors

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If you’re operating a business in the UK or thinking of starting one up it is sensible to be aware of VAT, Value added Tax and how it works in the UK. Not only can it provide a competitive advantage and credibility your business is operating at a certain level, but it is also a legal requirement, to comply with relevant tax laws.

In this overview on VAT, we’ll cover a list of the essential information you need to know about registering for VAT including how you can reclaim VAT and what the penalties are for failing to comply with the VAT process.

How does VAT work in the UK?

In the UK, VAT is a significant source of government revenue and plays a crucial role in the country’s tax system. VAT is a consumption tax levied on the value added to goods and services at each stage of production or distribution. These are the main points to know on VAT in the UK:

Taxable Supplies: VAT is charged on most goods and services provided by VAT-registered businesses in the UK. These goods and services are referred to as “taxable supplies.”

Registration Threshold: Businesses must register for VAT with HM Revenue and Customs (HMRC) if their taxable turnover exceeds the VAT registration threshold. As of 2024, the threshold is £90,000 over a 12-month period. Businesses that expect their turnover to exceed this threshold within the next 30 days must also register for VAT.

What are the different VAT rates in the UK?

Standard Rate: The standard rate is currently 20% (as of 2024). This applies to most goods and services.

Reduced Rate: Some goods and services are subject to a reduced rate of 5%, such as domestic fuel and power, children’s car seats, and some energy-saving materials.

Zero Rate: Certain goods and services are zero-rated, meaning they are subject to a 0% VAT rate. This includes essentials like food, children’s clothes, books, and newspapers.

Exempt: Some goods and services are exempt from VAT altogether, such as certain financial and insurance services, education, and healthcare.

VAT Invoices: VAT-registered businesses must provide VAT invoices for all taxable goods and services they supply to other VAT-registered businesses. These invoices must include specific information, including the supplier’s VAT registration number, the amount of VAT charged, and the total amount including VAT.

VAT Returns: VAT-registered businesses are required to file VAT returns with HMRC regularly, usually quarterly. These returns detail the amount of VAT charged on sales (output tax) and the amount of VAT paid on purchases (input tax). The difference between output tax and input tax is either paid to HMRC or refunded.

Input Tax: VAT-registered businesses can reclaim VAT they have paid on business purchases and expenses, known as input tax. This reduces the amount of VAT payable to HMRC.

Output Tax: VAT-registered businesses must charge VAT on their taxable sales, known as output tax. The VAT collected on sales is then paid to HMRC.

VAT Registration Number: Upon registration for VAT, businesses are issued a unique VAT registration number by HMRC. This number must be displayed on VAT invoices, websites, and other business documents.

Compliance and Penalties: Businesses must comply with VAT regulations and keep accurate records of their VAT transactions. Failure to comply with VAT rules can result in penalties, fines, and legal action by HMRC.

Overall, VAT is a crucial component of the UK tax system, generating significant revenue for the government while affecting businesses and consumers alike. Understanding and complying with VAT regulations is essential for businesses operating in the UK.

When do I register for VAT?

You should register for VAT with HM Revenue and Customs (HMRC) if your taxable turnover exceeds the VAT registration threshold or if you expect it to exceed the threshold in the next 30 days. Here are some key points to consider regarding when to register for VAT:

VAT Registration Threshold

As of 2024, the VAT registration threshold in the UK is £90,000 of taxable turnover in a rolling 12-month period. If your taxable turnover exceeds this threshold, you must register for VAT.

Expected Threshold Exceedance

If you expect your taxable turnover to exceed the VAT registration threshold within the next 30 days, you must also register for VAT. This could happen if your business is growing rapidly or if you anticipate a significant increase in sales.

Voluntary Registration

Even if your turnover is below the VAT registration threshold, you can choose to voluntarily register for VAT. There are several benefits to being VAT registered and why you might consider voluntary registration, such as:

Reclaiming VAT on business purchases

Voluntarily registered businesses can reclaim VAT on their business expenses, which can be beneficial, especially if you make significant purchases.

Perceived credibility

Being VAT registered can enhance your business’s credibility in the eyes of customers and suppliers.

Dealing with VAT-registered customers

If your customers are VAT registered, they may prefer to deal with suppliers who are also registered for VAT to simplify their own VAT accounting.

Timing of Registration

You must register for VAT within 30 days of reaching the VAT registration threshold or becoming aware that you will exceed the threshold within the next 30 days. Failure to register on time can result in penalties from HMRC.

Multiple Businesses

If you run multiple businesses, you need to consider the combined turnover of all your businesses when determining whether you need to register for VAT. If the combined turnover exceeds the VAT registration threshold, you must register all the businesses for VAT.

Special Cases

Certain businesses have specific rules regarding VAT registration, such as those involved in distance selling, imports and exports, or specific industries like construction. It’s essential to understand any special rules that may apply to your business.

Seek Advice

If you’re unsure whether you need to register for VAT or if voluntary registration is appropriate for your business, it’s advisable to seek advice from a tax advisor or accountant. They can provide guidance based on your specific circumstances and help you understand the implications of VAT registration for your business.

How to register for VAT?

Registering for VAT in the UK involves several steps, but the process is relatively straightforward. Here’s how you can register for VAT with HM Revenue and Customs (HMRC):

Check Eligibility

Before registering for VAT, ensure that your business meets the criteria for VAT registration. This typically includes exceeding the VAT registration threshold (£90,000 of taxable turnover in a rolling 12-month period) or expecting to exceed the threshold within the next 30 days.

Gather Information

Before starting the registration process, gather all the necessary information and documents you’ll need. This may include:

Your business details, including name, address, and contact information.
Your Unique Taxpayer Reference (UTR), if you’re already registered for other taxes.
Details about your business activities and turnover.
Bank account details for your business.
Information about any partners, directors, or owners of the business.

Choose Registration Method

Decide how you want to register for VAT. You can register online, by post, or through an agent (such as an accountant). Online registration is generally the quickest and most convenient method.

Register Online

To register online for VAT, visit the HMRC website and navigate to the VAT registration page. You’ll need to create a Government Gateway account if you don’t already have one. Follow the instructions to complete the online registration form, providing all the necessary information about your business.

Register by Post

If you prefer to register by post, you can download the VAT1 form from the HMRC website. Fill out the form with all the required information and send it to the address provided on the form. Note that registering by post may take longer than registering online.

Await Confirmation

Once you’ve submitted your VAT registration application, HMRC will process it, which usually takes a few weeks. You’ll receive a VAT registration certificate confirming your VAT registration number and the effective date of registration.

Start Charging VAT

After you receive your VAT registration certificate, you can start charging VAT on your taxable sales. Make sure to update your invoices and other business documents with your VAT registration number.

Submit VAT Returns

Once registered for VAT, you’ll need to submit VAT returns to HMRC regularly, usually quarterly. These returns detail the amount of VAT you’ve charged on your sales (output tax) and the amount of VAT you’ve paid on your purchases (input tax).

Keep Records

Maintain accurate records of all your VAT transactions, including invoices, receipts, and VAT returns. HMRC may request to inspect these records at any time.

Compliance

Ensure that you comply with all VAT regulations and requirements, including issuing VAT invoices, keeping records, and paying VAT on time. Non-compliance can result in penalties and fines from HMRC.

What is the threshold to pay VAT?

The threshold to pay Value Added Tax (VAT) is the level of taxable turnover at which businesses are required to register for VAT with HM Revenue and Customs (HMRC) in the UK. Once a business’s taxable turnover exceeds this threshold, they must charge VAT on their taxable sales and submit VAT returns to HMRC.

As of 2024, the VAT registration threshold in the UK is £90,000 of taxable turnover in a rolling 12-month period. This means that if a business’s taxable turnover exceeds £85,000 within any consecutive 12-month period, they are required to register for VAT with HMRC.

It’s important to note that the threshold applies to taxable turnover, which includes the total value of all taxable sales made by the business. Taxable turnover does not include exempt supplies, such as certain financial and insurance services, education, and healthcare.

Once registered for VAT, businesses are required to charge VAT on their taxable sales (output tax) and can reclaim VAT on their business expenses (input tax). They must then submit VAT returns to HMRC on a regular basis, usually quarterly, detailing the VAT they’ve charged and paid.

If a business’s taxable turnover falls below the deregistration threshold, they may be eligible to deregister for VAT. As of 2024, the deregistration threshold in the UK is £88,000 of taxable turnover in a rolling 12-month period. If a business’s taxable turnover falls below this threshold, they can apply to deregister for VAT with HMRC.

What are penalties for failing to comply with VAT requirements?

Failing to comply with VAT requirements in the UK can result in various penalties and consequences imposed by HM Revenue and Customs (HMRC). These penalties are designed to encourage compliance with VAT regulations and ensure the integrity of the tax system. Here are some potential penalties for failing to comply with VAT requirements:

Late Registration Penalty

If you fail to register for VAT on time after exceeding the VAT registration threshold or becoming liable to register, HMRC may impose a late registration penalty. The amount of the penalty depends on the length of the delay and the amount of VAT owed.

Late Filing Penalty

If you fail to submit your VAT return by the deadline, HMRC may impose a late filing penalty. The amount of the penalty depends on the lateness of the submission and your turnover.

Late Payment Penalty

If you fail to pay the VAT owed by the deadline, HMRC may impose a late payment penalty. The amount of the penalty depends on the amount of VAT owed and how late the payment is.

Inaccuracy Penalties

If you submit an inaccurate VAT return or provide incorrect information to HMRC, you may be liable for inaccuracy penalties. The amount of the penalty depends on the severity of the inaccuracy and whether it was deliberate or not.

Failure to Notify Penalty

If you fail to notify HMRC of changes in your business circumstances that affect your VAT registration status, such as changes in turnover or business structure, you may be liable for a failure to notify penalty.

Civil Penalties

HMRC has the authority to impose civil penalties for serious breaches of VAT regulations, such as deliberate evasion or fraud. Civil penalties can be substantial and may include financial penalties, seizure of assets, or criminal prosecution.

Interest Charges

In addition to penalties, HMRC may also charge interest on any outstanding VAT owed. Interest is charged from the date the VAT was due until the date it is paid in full.

It’s important to note that penalties and charges can vary depending on the circumstances of each case, and HMRC has discretion in determining the appropriate penalty. However, businesses are generally expected to take reasonable care to comply with VAT requirements, and failure to do so can result in financial penalties and other consequences. If you’re unsure about your VAT obligations or need assistance with compliance, it’s advisable to seek advice from a tax advisor or accountant.

Get Small Business liability insurance with Protectivity.

Whether you’re an established business or starting out, knowing about the VAT registration process and rules can help avoid expensive fines and tax bills in the future. Whilst independent of VAT having appropriate insurance can also provide financial protection in unforeseen circumstances, avoiding costly claims in the event they occur.

Protectivity’s small business insurance has been specifically created to support you if claims are brought against your business. Public liability is automatically included and protects you if you’re sued by a third party; for example, for an injury or property damage suffered by a client or member of the public. There’s also employers’ liability for anyone with a team, ensuring that you’re protected against claims from workers who become injured or ill.

Find out more and get an instant quote suited to your needs.

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09:40:39 GMT • 11 November 2024

What does a Holistic Therapist do?

22 May 2024

•

9 mins read

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What is Holistic Therapy?

Holistic therapy, also known as holistic healing or holistic medicine, is an approach to health and wellness that considers the person as a whole—mind, body, and spirit—rather than focusing solely on specific symptoms or ailments. Holistic therapy emphasises the interconnectedness of all aspects of an individual’s life and aims to promote balance, harmony, and well-being on multiple levels. A holistic therapist can approach this therapy in a number of ways, let’s explore some approaches.

Holistic Perspective on Health

Holistic therapy acknowledges that well-being is shaped by various factors, including physical, emotional, mental, and spiritual dimensions. It views individuals as interconnected beings, where each aspect of life influences overall health.

Personalised Approach

Rather than adopting a one-size-fits-all method, holistic therapy tailors treatments to suit each person’s unique experiences, needs, and aspirations. It recognises that what benefits one individual may not be effective for another, ensuring a bespoke approach to care.

Emphasis on Prevention

A core principle of holistic therapy is the prevention of illness through proactive lifestyle choices, self-care, and stress management. Clients are encouraged to take responsibility for their well-being, fostering long-term health and resilience.

Combination of Therapies

Holistic therapy integrates a variety of healing methods, both traditional and complementary, to support overall wellness. These may include nutrition, exercise, meditation, mindfulness, herbal remedies, energy healing, bodywork, and counselling, among others.

Mind-Body-Spirit Balance

Recognising the deep connection between mind, body, and spirit, holistic therapy aims to create harmony between these elements. Achieving balance in these areas contributes to a sense of overall well-being and vitality.

Encouraging Self-Healing

Holistic therapy empowers individuals to take charge of their health and unlock their natural ability to heal. By fostering self-awareness, self-compassion, and resilience, it helps clients make informed choices that enhance their well-being.

Collaborative and Integrated Care

Holistic therapy often works alongside conventional healthcare, involving professionals such as doctors, psychologists, nutritionists, and bodyworkers. This integrative approach ensures clients receive well-rounded support for their overall wellness.

What approaches do Holistic Therapists take?

A holistic therapist takes a comprehensive approach to healing and wellness, considering the person as a whole—mind, body, and spirit—rather than focusing solely on specific symptoms or ailments. The goal of holistic therapy is to promote balance and harmony in all aspects of an individual’s life to support overall well-being. Here are some key aspects of what a holistic therapist does:

Assessment and Evaluation

A holistic therapist begins by conducting a thorough assessment of the client’s physical, emotional, mental, and spiritual health. This may involve gathering information about the client’s lifestyle, diet, relationships, stress levels, and any existing health conditions.

Individualised Treatment Plans

Based on the assessment, the therapist develops a personalized treatment plan tailored to the unique needs and goals of the client. This plan may incorporate a variety of holistic healing modalities to address the client’s physical, emotional, and spiritual needs.

Empowerment and Education

Holistic therapists empower clients to take an active role in their healing journey by providing education, guidance, and resources to support self-care practices and lifestyle changes. This may include teaching clients stress management techniques, relaxation exercises, and healthy coping strategies.

Integration and Collaboration

Holistic therapists often collaborate with other healthcare providers, such as medical doctors, psychologists, nutritionists, and bodyworkers, to provide integrated care and support for their clients’ holistic wellness needs.

What are popular Holistic Therapies?

Popular holistic therapies encompass a wide range of approaches that address the mind, body, and spirit to promote overall health and well-being. Here are some examples of popular holistic therapies:

Acupuncture

A traditional Chinese medicine practice that involves the insertion of thin needles into specific points on the body to stimulate energy flow and promote balance.

Chiropractic Care

A form of alternative medicine that focuses on diagnosing and treating musculoskeletal disorders, primarily through manual adjustments of the spine and other joints.

Massage Therapy

A hands-on therapy that involves manipulating muscles, connective tissues, and joints to promote relaxation, relieve tension, and improve circulation.

Yoga

An ancient practice that combines physical postures, breathwork, and meditation to promote flexibility, strength, relaxation, and mental clarity.

Meditation

A mindfulness practice that involves focusing the mind and cultivating awareness to promote relaxation, stress reduction, and emotional well-being.

Herbal Medicine

The use of plants and plant extracts to prevent and treat various health conditions, often based on traditional knowledge and practices.

Homeopathy

A system of alternative medicine that uses highly diluted substances to stimulate the body’s natural healing processes and restore balance.

Aromatherapy

The use of essential oils extracted from plants to promote physical, emotional, and mental well-being through inhalation, topical application, or diffusion.

Energy Healing

Various practices, such as Reiki, Qi Gong, and Healing Touch, that work with the body’s energy fields to promote balance, relaxation, and healing.

Nutritional Therapy

A holistic approach to health that focuses on the role of diet and nutrition in preventing and treating health conditions, promoting optimal health, and supporting overall well-being.

Holistic Counselling

A form of psychotherapy that considers the interconnectedness of mind, body, and spirit, addressing emotional issues and promoting personal growth and self-awareness.

Sound Therapy

The use of sound vibrations, such as singing bowls, tuning forks, or music, to promote relaxation, reduce stress, and enhance well-being.

How to become a Holistic Therapist?

Becoming a holistic therapist in the UK typically involves several key steps, including education, training, certification, and ongoing professional development. Holistic therapy encompasses a wide range of complementary and alternative treatments designed to promote physical, emotional, and spiritual well-being. If you are considering a career in this field, here is a detailed guide to help you get started.

Education and Training

The first step towards becoming a holistic therapist is enrolling in a recognised training programme or course. When selecting a course, consider the following:

Ensure the programme is accredited by a reputable regulatory body, such as the Federation of Holistic Therapists (FHT), the Complementary and Natural Healthcare Council (CNHC), or the British Complementary Medicine Association (BCMA).
Choose a course that offers both theoretical knowledge and hands-on practical training, as holistic therapy requires a strong understanding of human anatomy, physiology, and energy work.
Consider the level of qualification, such as a Diploma, Level 3 or Level 4 NVQ, or a Degree in complementary therapy, depending on your career aspirations.

Many training providers offer flexible study options, including in-person, online, or blended learning formats, allowing students to train at their own pace.

Certification and Accreditation

Once you have completed your education and training, you may need to obtain certification or accreditation to practise professionally. Requirements vary depending on the specific therapy and the governing body in charge of accreditation.

Some disciplines, such as acupuncture and osteopathy, are regulated professions in the UK, meaning you must register with an official body like the British Acupuncture Council (BAcC) or the General Osteopathic Council (GOsC) before practising.
For other holistic therapies, registration with a voluntary regulatory body, such as the Complementary and Natural Healthcare Council (CNHC), can enhance your credibility and professional standing.
You may be required to pass an assessment or examination to demonstrate your competency in your chosen therapy.
Many professional organisations also require practitioners to complete a certain number of practical hours before obtaining full certification.

Accreditation ensures that you adhere to industry standards and best practices, which can increase client trust and improve employment opportunities.

Registration with Professional Bodies

You can register with professional bodies or associations relevant to your holistic therapy discipline. Membership in professional organisations can provide networking opportunities, access to resources and continuing education, and credibility within the field.

Examples of professional bodies for holistic therapists in the UK include the Federation of Holistic Therapists (FHT), the Complementary and Natural Healthcare Council (CNHC), and the British Acupuncture Council (BAcC), among others.

Continuing Professional Development (CPD)

Engage in ongoing professional development and continuing education to enhance your skills, knowledge, and expertise in holistic therapy. Many professional organizations require members to complete a certain number of CPD hours each year to maintain certification or registration.

Establish your holistic therapy practice or seek employment opportunities in holistic health clinics, spas, wellness centres, hospitals, or other healthcare settings.

Adhere to ethical guidelines and standards of practice in your field, ensuring that you provide safe, effective, and client-cantered care.

Insurance and Legal Considerations

It is advisable to obtain professional liability insurance to safeguard yourself and your practice against potential legal claims or liabilities. This provides peace of mind and ensures that you are adequately protected should any issues arise.

Take the time to familiarise yourself with the relevant laws, regulations, licences and professional guidelines governing holistic therapy in the UK. Key areas to consider include health and safety regulations, data protection laws (such as GDPR), and codes of professional conduct set by recognised industry bodies. Adhering to these standards helps maintain professionalism, client trust, and legal compliance.

By committing to ongoing education, training, certification, and professional development, you can establish yourself as a qualified and competent holistic therapist in the UK. Staying informed about advancements in holistic therapies and continuously refining your skills will enable you to offer the highest standard of care and support to your clients.

Get Holistic Therapy Insurance with Protectivity

As with every type of small business, taking out comprehensive insurance cover is crucial, particularly having specialised insurance for holistic therapy.

Protectivity’s holistic therapy insurance is designed with skilled professionals like you in mind. Our cover includes public liability insurance of up to £5million, professional indemnity, personal accident, equipment cover, and employers’ liability if you employ other people.

Our policies are available through flexible payment plans giving you peace of mind and the confidence to grow your business. Take a closer look at our holistic therapy insurance in more detail today.

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10:16:17 GMT • 20 February 2025

Different Approaches to Personal Training

8 May 2024

•

9 mins read

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Everyone likes to approach fitness in their own way so naturally taking different approaches to personal training is sensible to best accommodate your clients’ needs. It often comes down to the overall fitness objectives and personal preference of both personal trainers and clients.

In this guide we’ll focus on the range of approaches personal trainers can take depending on the situation. Comparing the benefits of group and individual training as well as face-to-face verses online training. From a business perspective being as flexible as possible can give you a greater breadth of clients to appeal to but taking a specialist approach can also benefit from higher paying niche training.

What are different styles of personal training?

Personal training encompasses various styles and approaches, each tailored to different fitness goals, preferences, and individual needs. Frequently a training plan will include a combination of multiple approaches, focusing on striking a balance of fitness benefits.

Strength Training

Building muscular strength can be taken to improve endurance and protect from injuries. Exercise includes using resistance, weights, resistance bands, and bodyweight exercises.

Cardiovascular Training

Cardio exercises emphasise activities that elevate the heart rate, such as running, cycling, swimming, and high-intensity interval training (HIIT). Improving heart health can lower the risk of heart disease and high pressure but is also good for weight management, improved respiratory function, increase metabolism among other benefits.

Flexibility and Mobility Training

For clients looking to improve their joint health, help their posture and general movement focusing on flexibility training will help these goals. Exercises concentrate on improving range of motion and joint flexibility through stretching, yoga, and mobility exercises.

High-Intensity Interval Training (HIIT)

This alternates between short bursts of intense exercise and periods of rest or lower-intensity activity, optimising calorie burn and cardiovascular fitness. Great for weight loss and overall fitness benefits.

Bodyweight Training

Relies on exercises using the individual’s body weight for resistance, such as push-ups, squats, and planks. It benefits core strength, can improve balance and overall strength.

Circuit Training

This approach is good for versatility as it involves moving through a series of exercises in a circuit format, targeting different muscle groups for a full-body workout. It works well as a group activity and can be easily adapted to provide variety.

Sports-Specific Training

Tailored to the requirements of a particular sport, you may need to have specialist knowledge of your clients’ fitness needs. Training exercises will incorporate enhancing skills, agility, and conditioning relevant to the chosen activity.

Post-Rehabilitation Training

Customised for individuals recovering from injuries or surgeries, training will focus on rebuilding strength and mobility in a safe manner. This style may also require more specialist techniques and knowledge of injuries to ensure exercises are providing benefits not harm.

Mind-Body Connection Training

Integrates practices that enhance the connection between mental and physical well-being, including mindfulness, meditation, and breathing exercises.

Holistic Wellness Training

This approach considers overall well-being, addressing not only physical fitness but also nutrition, stress management, and lifestyle habits.

Technology-Enhanced Training

As technology develops utilising fitness apps is common, with many people tracking their exercises with watches, equipment and virtual platforms to enhance the experience and provide workout guidance and track progress.

Group Personal Training Verses Private Training

Personal trainers may have preferences for group classes or one-to-one training based on various factors, and these preferences can be influenced by both the trainer’s style and the client’s needs.

One-to-One Training

Individual Attention:

Allows the trainer to focus entirely on one client, providing personalised attention and tailoring the workout to individual goals and needs.

Customised Programs:

Enables the development of a specific and detailed training program that aligns with the client’s fitness level, preferences, and any health considerations.

Faster Progression:

With personalised attention, trainers can more closely monitor progress, make necessary adjustments, and facilitate faster advancements in fitness levels.

Client Relationships:

One-to-one training often fosters stronger trainer-client relationships, as trainers get to know their clients on a personal level, understanding their motivations and challenges.

Adaptability:

It is easier to adapt the workout on the spot based on the client’s energy levels, feedback, and any unforeseen circumstances.

Group Classes:

Community and Motivation:

Group classes create a sense of community and camaraderie among participants, fostering a supportive and motivating environment.

Cost-Effective:

Group sessions are generally more cost-effective for clients, making fitness training more accessible to a broader audience.

Variety and Social Interaction:

Participants benefit from a variety of exercises and can engage in social interactions, making the workout experience more enjoyable.

Structured Schedule:

Classes often follow a set schedule, providing consistency and structure for participants who may prefer routine.

Competition and Accountability:

Some individuals thrive in a group setting with a bit of healthy competition, which can enhance motivation and accountability.

Energy and Atmosphere:

The collective energy in a group class can contribute to a positive and energetic atmosphere, boosting overall morale.

Online verses Face-to-face

In recent years personal trainers have had to adapt to growing demand for online training sessions. This can be an efficient way to hold a group class but lack the involvement and atmosphere you get face-to-face. As with anything people have preferences either way and likewise there are benefits for both.

Face-to-Face Sessions:

Hands-On Instruction:

Face-to-face sessions allow for direct, hands-on instruction, where trainers can physically correct form, demonstrate exercises, and provide immediate feedback.

Real-Time Adaptations:

Trainers can adapt workouts in real-time based on the client’s energy levels, physical cues, and any immediate concerns or preferences.

Personal Connection:

In-person training fosters a more personal connection between the trainer and client, contributing to a strong trainer-client relationship.

Motivational Presence:

The physical presence of a trainer can be motivating and helps create a supportive atmosphere during workouts.

Access to Equipment:

Trainers can utilise gym equipment and facilities during face-to-face sessions, providing a broader range of exercise options.

Online Sessions:

Flexibility:

Online training offers flexibility in terms of scheduling, allowing trainers to work with clients across different time zones and accommodating busy lifestyles.

Convenience:

Both trainers and clients can participate in sessions from the comfort of their own homes or any location with internet access, making it convenient for all parties involved.

Cost-Effectiveness:

Online sessions often eliminate the need for travel expenses, making it a more cost-effective option for clients.

Global Reach:

Trainers can reach a broader audience and work with clients from around the world, expanding their client base beyond geographical constraints.

Technology Integration:

Online platforms enable trainers to incorporate various tech tools, such as video demonstrations, fitness apps, and virtual communication, enhancing the overall training experience.

Recorded Sessions:

Trainers can record sessions for clients, providing a valuable resource for reviewing workouts, instructions, and progress.

Adaptability to Home Workouts:

Online training is well-suited for home workouts, bodyweight exercises, and minimal equipment training, making it accessible to clients without access to a gym.

Outdoor Verses Indoor Training

Winter in the UK is not always conducive to an outdoor workout, but the fresh air can provide other health benefits and different training dimensions. Let’s look at the benefits of both indoor and outdoor approaches to training.

Indoor Training:

Controlled Environment:

Indoor facilities provide a controlled environment where factors like temperature, lighting, and equipment availability can be managed easily, allowing for consistent workouts.

Safety:

Indoor spaces are typically safer from external hazards like extreme weather conditions, uneven terrain, or traffic, reducing the risk of injuries during training sessions.

Privacy:

Indoor facilities often offer more privacy, which can be beneficial for clients who are uncomfortable exercising in public or prefer a more secluded environment.

Access to Equipment:

Gyms and fitness centres are stocked with various equipment, enabling trainers to incorporate a wide range of exercises into their clients’ workouts to target specific muscle groups or fitness objectives.

Versatility:

Indoor spaces can accommodate a variety of workout styles, including weightlifting, cardio, group fitness classes, and specialized training programs, allowing trainers to cater to diverse client needs.

Outdoor Training:

Vitamin D and Fresh Air:

Exercising outdoors exposes clients to natural sunlight, which boosts vitamin D levels and improves mood. Fresh air also enhances the overall experience and can lead to increased feelings of well-being.

Variety and Creativity:

Outdoor environments offer a wide range of terrains and natural features that can be incorporated into workouts, such as hills for incline running, benches for step-ups, or playground equipment for bodyweight exercises, fostering creativity and variety in training sessions.

Mental Health Benefits:

Being surrounded by nature can reduce stress, anxiety, and depression, leading to improved mental well-being for both trainers and clients. Outdoor workouts often feel more enjoyable and refreshing compared to indoor routines.

Functional Training Opportunities:

Outdoor settings provide opportunities for functional training that mimics real-life movements and challenges, such as running on uneven surfaces, navigating obstacles, or performing exercises that utilize natural elements like rocks or logs.

Cost-Effective:

Outdoor training eliminates the need for expensive gym memberships or facility fees, making it a more accessible option for clients who may have budget constraints.

Get Personal Training Insurance with 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 two minutes today to have a closer look at our affordable, flexible personal trainer insurance policies.

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08:29:47 GMT • 15 November 2024

How to get a CSCS Card

1 May 2024

•

11 mins read

Contributors

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

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The construction industry places a lot of emphasis on the safety, competence, and professionalism of its workforce. At the heart of ensuring these standards is the Construction Skills Certification Scheme (CSCS) and the CSCS card.

This card serves as proof of each worker’s commitment to upholding stringent health and safety practices on construction sites. It helps tradespeople to demonstrate that they have the necessary knowledge and training to enter and work on construction sites with confidence and compliance. There are various things to know about the CSCS card, including who it applies to, the various types of card and what each one requires, and the steps involved in application and renewal.

Whether you’re an industry professional or starting out in your construction career, obtaining and retaining your CSCS card will serve as testament to your skills and dedication. It also helps those in charge to bring in the right teams and maintain order on-site.

In this comprehensive guide, we’ll take you through everything from understanding the significance of the different CSCS card types to navigating the application process. We’ll also answer common queries on topics such as costs and renewals.

What is a CSCS card?

The CSCS (Construction Skills Certification Scheme) card is an important accreditation in the UK construction industry; as a nationally recognised qualification, it’s highly esteemed. The card is crucial for professionals requiring access to construction sites, as it verifies that they possess the requisite knowledge and skills to maintain a secure working environment. The certification plays a pivotal role in enhancing overall safety standards within the construction field.

The primary purpose of the CSCS card, therefore, is to ensure a standardised level of competence in health and safety practices across the construction industry.

Who needs a CSCS card?

The CSCS card is necessary for many people working in various roles within the construction industry, but not everyone. It isn’t a legal obligation to have one, but most contractors deem it a standard requirement. It helps to ensure that the right people are being hired for the job and that they can demonstrate the necessary skills, qualifications, and training for their specific job functions.

The CSCS card is designed for a range of tradespeople, including labourers, skilled workers, supervisors, and managers. Eligibility criteria will vary depending on the specific card type and the level of expertise required for different roles. You can read more about this later in the article.

Who doesn’t need a CSCS card?

Not everyone in the construction industry requires a CSCS card. If you’re not carrying out construction-related work on a site, you won’t need a card. Neither will you need one if you’re on a work placement lasting for less than 30 days.

Specific exceptions include site visitors, delivery drivers, and certain management roles. While some may not need a CSCS card, they’ll still need to adhere to site-specific safety regulations.

What CSCS card do I need?

CSCS offers a variety of cards, all tailored to different levels of expertise and job roles. Each card type signifies a distinct level of competency.

The type of CSCS card you need will be determined by your profession and experience within the construction industry. There are thirteen different cards and you’ll need to have the right one, otherwise you won’t be able to work on-site.

The types of CSCS card are:

Academically Qualified Person – this is for those who have specific qualifications in construction-related subjects. They include degrees, HNCs, CIOB Certificates and some NEBOSH diplomas and certificates. You’ll need to renew it every five years.
Apprentice – this one is free of charge as it’s for people undertaking recognised apprenticeships. For that reason, this one can’t be renewened; it will be valid for four and a half years. Once you’ve completed your apprenticeship, you should apply for one of the skilled cards.
Blue Skilled Worker – this is for workers who’ve completed one of the following:
- NVQ/SVQ level two
- SVQ at SVQF level five
- An apprenticeship, e.g. an employers-sponsored apprenticeship, City and Guilds Craft Certificate (CGLI) or a CSCS-Approved Apprenticeship Standard.
Experienced Technical, Supervisor or Manager – this is for anyone holding one of these titles and possessing at least a year of experience in the role, within the last three years. You’ll need to be registered to complete an approved, construction-related Technical, Supervisory or Management (TSM) NVQ or SVQ level three, or SVQ at SCQF level 6 or higher. It’s valid for three years and can’t be renewed after this.
Experienced Worker – this is for workers who have at least a year of experience, within the last three years. You’ll also need registration to obtain an approved construction-related NVQ/SVQ level two, or SVQ at SCQF level five or higher. It’s valid for a year and can’t be renewed after this time.
Gold Skilled Worker – this is for anyone who has completed a construction-related NVQ/SVQ level three, or SVQ at SCQF level six. You should also have an approved apprenticeship, as well as an employer-sponsored apprenticeship in which you achieved a City and Guilds of London Institute Advanced Craft Certificate. It’s valid for five years.
Industry Placement – this is for anyone who needs a work placement for 30 days or longer. It’s valid for three years, after which time it can’t be renewed. You should be working towards a construction-related qualification or training programme requiring the completion of T-Levels or Trainee Skills Development Programmes, or similar.
Labourer – this is for anyone working in labourer roles, rather than anyone in skilled positions. It’s valid for five years only; after this time you’ll have to apply for a new card, rather than renewing it. You’ll need to pass the CITB health, safety and environment test for operatives and hold one of the listed certificates.
Manager – the Manager card is for those at the relevant level of seniority, as well as people in technical jobs. It’s valid for five years once you’ve passed the CITB Managers and Professionals Health, Safety and Environment test. You’ll need to have gained:
- a relevant Construction Management/Technical related NVQ/SVQ level four, five, six or seven
- an SVQ at SCQF level 10 or 11, in a Construction Management/Technical-related qualification
Professionally Qualified Person – this card is for members of certain CSCS-approved professional bodies, so you’ll need to provide evidence of a current membership. It’s valid for five years and can’t be renewed, so you’ll need to get a new one once it expires. You’ll also need to pass the CITB Managers and Professionals Health, Safety and Environment Test, or the CIC Health and Safety Test.
Provisional – this temporary card is for people in their probationary period of employment. It’s only valid for six months and can’t be renewed. You’ll need to obtain or register for a construction-related qualification before it expires, then you can apply for a card from one of the other categories that fits your specialism.
Supervisory – this is for workers in supervisor and technical occupations, as long as you’ve been awarded a construction-related Supervisory/Technical NVQ or SVQ Level three or four. It’s valid for five years, once you’ve passed the Specialists CITB Health, Safety and Environment Test.
Trainee – if you’re registered to undertake a construction-related qualification (either vocational, academic or professional), you’ll need this card. It’s valid for five years; after this time, it can’t be renewed as you’ll be expected to have qualified. You must also have passed the operative-level CITB Health, Safety and Environment test.

The CSCS Card Finder tool, on the official CSCS website, contains the full details for each card. This is a valuable resource for identifying your most suitable card, helping you make informed decisions about your certification needs.

Cost of CSCS card

There is a flat rate of £36 for obtaining a CSCS card (with the exception of the apprentice card). There’s an additional cost of £22.50 for taking the required CITB health, safety and environment test.

Can I get my CSCS card online?

While the initial stages of the CSCS card application process can be completed online, obtaining the card often involves a combination of online and offline steps. Applicants typically fill out the initial forms and submit documentation online. However, additional verification processes may require in-person visits or the submission of physical documents by post.

How to apply for a CSCS card

If you’re wondering how to get a CSCS card after passing the test related to your work or training, here are the steps to follow:

Go to the official CSCS website to apply for the corresponding CSCS card; this can also be completed through postal submission, if you prefer.
Submit your test results, proof of qualifications, and a recent passport-sized photo.
Pay your fee.

Timely and accurate submission of required documents is crucial to ensure a smooth processing of the application. You can submit scanned copies of qualifications.

How to renew the CSCS Card

The renewal process will be different for each CSCS card, but they’re typically valid for a duration of between one and five years. To renew a CSCS card, you must usually retake the relevant health and safety test, providing updated information on your qualifications and work experience. The renewal process can be conveniently completed online, allowing you to show your continued commitment to maintaining a high standard of health and safety awareness within the construction industry.

You’ll need to make sure you renew your card before the deadline, if it is eligible for renewal (otherwise, you’ll need to apply for the next card of relevance). This is essential so that you can continue to access places of work and comply with industry standards. If you fail to renew your CSCS card, you may be denied access to construction sites, hindering your ability to work in the industry.

How to get a blue CSCS card without a NVQ

If you don’t have an NVQ, a valid equivalent such as an apprenticeship will be accepted. Getting a Blue Skilled Worker CSCS card without an NVQ may also be possible for some people with the endorsement of their employer. In such cases, a recommendation from the employer may be required, stating the applicant’s competence in their specific role.

Additionally, completion of a recognised apprenticeship or other relevant qualifications may be accepted as an alternative to an NVQ. You can review the specific requirements for your line of work on the official CSCS website, working with your employer to meet all necessary criteria.

Get builders insurance with Protectivity

Health and safety is of utmost importance in the construction industry. This is why it’s essential to take out suitable tradesman liability insurance for you and your business. There are a range of inherent risks associated with construction sites, so the right policy will help give you financial protection against accidents, property damage, and third-party injuries. Clients often require proof of insurance before agreeing to contracts, so this will ensure that you can run your business smoothly and professionally, assuring those you work with that potential liabilities will be covered.

Protectivity’s builders insurance has various benefits, including public liability with up to £5 million of cover. This is designed for claims that may be brought against you, due to accidental injuries to clients or damage to their belongings. It offers cover for compensation claims and other related costs. If you employ staff, you can also opt for employers’ liability. Should one of your workers become injured on the job, resulting in financial loss, you’ll be covered up to the total of £10 million in compensation. You can also choose products liability for protection, in the event that you’re sued due to an accident involving third-party goods. Lastly, there’s optional commercial legal protection, which gives you to access a legal helpline and offers cover for a range of specific business issues. These may include breaches of restrictive covenants, defence of legal rights, personal injury or contract disputes.

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

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10:07:57 GMT • 16 December 2024

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

26 March 2024

•

9 mins read

Contributors

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

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

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

What is a sole trader?

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

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

What is a limited company?

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

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

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

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

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

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

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

Advantages and disadvantages of limited companies’ vs sole traders

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

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

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

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

Can one person own a limited company?

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

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

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

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

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

Here are the general steps involved for each.

Changing from a sole trader to a limited company

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

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

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

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

Changing from a limited company to sole trader

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

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

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

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

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

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

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

Common considerations for both structures include:

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

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

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

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

Paying tax as a sole trader

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

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

Paying tax as a limited company

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

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

Get small business insurance with Protectivity

In order to protect yourself and your business, it’s essential to take out the right insurance.

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

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

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09:40:40 GMT • 11 November 2024

How much do Massage Therapists Earn in the UK?

20 March 2024

•

8 mins read

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

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

Hourly Range:

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

Annual Earnings:

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

What massage services are most in demand?

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

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

1. Swedish Massage

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

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

2. Deep Tissue Massage

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

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

3. Sports Massage

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

4. Hot Stone Massage

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

5. Prenatal Massage:

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

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

6. Thai Massage:

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

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

How to increase Earnings as a Massage Therapist?

Specialise

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

Build a Client Base

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

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

Training & Qualifications

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

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

Marketing and Branding

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

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

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

Exceptional Customer Service

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

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

Reduce costs & Expenses

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

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

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

What are the highest paying cities in the UK?

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

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

What massage therapists make the most money?

Medical or Clinical Massage Therapists:

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

Sports Massage Therapists:

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

Self-Employed or Private Practitioners:

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

Specialist Services:

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

High-End Spas and Resorts:

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

Get Massage Therapist Insurance with Protectivity

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

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

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

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09:40:40 GMT • 11 November 2024

What is the NAPIT scheme?

27 February 2024

•

8 mins read

Contributors

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

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

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

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

What does NAPIT stand for?

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

What is a NAPIT approved electrician?

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

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

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

What is the difference between NICEIC and NAPIT?

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

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

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

Check eligibility

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

Gather documentation

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

Complete the application form

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

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

Submit application

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

Assessment process

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

Receive approval

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

Access member benefits

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

What qualifications do I need to join NAPIT?

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

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

How much does it cost to register with NAPIT?

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

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

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

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

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

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

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

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

Marketing yourself as a NAPIT approved electrician – checklist

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

Branding & Visual Identity

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

Online Presence

Create a professional website featuring:

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

Use social media to:

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

Directories & Visibility

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

Networking & Industry Engagement

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

Content & Promotion

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

Professional Credentials

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

Customer Service & Referrals

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

Get Electricians Insurance with Protectivity

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

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

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

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10:06:29 BST • 11 April 2025

How Much do Bricklayers Make?

20 February 2024

•

9 mins read

Contributors

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

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

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

What value do bricklayers offer to clients?

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

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

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

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

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

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

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

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

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

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

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

Can bricklayers make £100,000?

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

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

How much can a self-employed bricklayer earn?

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

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

What are the costs and expenses for bricklayer businesses?

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

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

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

How do I get started as a bricklayer?

Getting started as a bricklayer typically involves the following steps:

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

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

How can bricklayers increase their earnings?

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

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

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

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

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

What can bricklayers specialise in to earn more?

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

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

Get Bricklayers Insurance with Protectivity

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

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

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

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22:11:20 GMT • 22 January 2025

How to Register as Self Employed

13 February 2024

•

10 mins read

Contributors

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Becoming self-employed is a thrilling prospect, offering independence, flexibility, and the opportunity to pursue your passion. However, it comes with a set of responsibilities and considerations that you’ll have to follow. Whether you’re contemplating the leap into self-employment or currently building your business, there’s plenty you’ll need to educate yourself on to help your chances of success.

From the crucial decision of when to register as self-employed, to managing tax obligations and the often-overlooked steps when winding down a business, arming yourself with the right knowledge is vital.

In this guide, we’ll take you through everything you need to know about how to register as self-employed in the UK.

How do I know when I need to register self-employed?

Determining when to register as self-employed hinges on your earnings. You are obligated to register if your income from self-employment surpasses £1,000 in a tax year. It’s crucial to monitor your earnings and register promptly.

Even if your earnings are below the threshold, registering early is highly recommended. This proactive approach not only prevents penalties but also establishes good financial practices that will stand you in good stead.

It’s important to note that if self-employment becomes your primary source of income, you’ll have to register within six months of the tax year’s end, in the year when you began your venture. Staying vigilant about your income, promptly registering when necessary, will set a solid foundation for your self-employed status.

How do I register as self-employed for the first time?

Registering as self-employed for the first time is a crucial step in establishing your legal and financial standing with HMRC). If you’re unsure about how to register for self employment, don’t worry. The process is designed to be accessible and you can complete it quite easily online, through the official HMRC website.

Before initiating the registration, gather all your essential information to make it as straightforward as possible. This includes your National Insurance number, personal contact details, business name, and a brief summary of your business activities. Having these details on hand will support a smooth and efficient registration experience.

Navigate to the HMRC website and locate the online registration tool specifically designed for self-employed people. This will guide you through the necessary steps, prompting you to input the required information. Be prepared to provide details about your sources of income, business structure, and contact information.

During the registration process, HMRC will issue you a Unique Taxpayer Reference (UTR), as a unique identifier associated with your tax records. Keep this reference number secure, as you will use it for all future interactions with HMRC regarding your self-employment.

After completing the online registration, HMRC will officially acknowledge you as self-employed, and you’ll be on the path to fulfilling your tax obligations.

Can you work self-employed without registering?

Working in self-employment without registering with HMRC isn’t a legitimate practice. Registering is a fundamental legal requirement, and failure to comply can result in serious consequences. Working without proper registration not only jeopardises your adherence to tax regulations but also exposes you to financial penalties and legal liabilities.

Registering as self-employed serves several purposes. It ensures that HMRC is aware of your income sources, allowing them to calculate the taxes you owe. This registration process is designed to promote transparency in financial transactions, preventing tax evasion and ensuring that everyone contributes their fair share to public finances.

Attempting to work as self-employed without registration is highly risky. HMRC has mechanisms in place to detect unregistered income, and failure to register may lead to penalties, fines, and legal action. Additionally, without proper registration, you may face challenges in conducting legitimate business transactions, such as securing contracts or partnerships that often require evidence of official self-employed status.

While it may be tempting to operate in the informal sector, the legal and financial risks associated with working as self-employed without registering with HMRC far outweigh any perceived benefits. Ignorance is not considered a valid excuse. Penalties can also accrue for late registration, late filing of tax returns, and late payment of taxes.

Does it cost to register as self-employed in the UK?

Registering as self-employed in the UK is a cost-free process. HMRC provides this service without charge to ensure accessibility for anyone working for themselves. It’s important to distinguish this registration from other potential costs associated with self-employment, such as National Insurance contributions and income tax liabilities. Being aware of these distinctions contributes to a clear understanding of your financial obligations.

Registering for tax in self-employment

Registering for tax in self-employment is a highly important aspect of establishing your legal and financial obligations with HMRC. Once you’ve registered as self-employed, the next step involves managing your tax responsibilities. This process is integral to ensuring that your business remains compliant in the UK.

Managing your tax obligations involves keeping accurate records of your income and deductible expenses. Your taxable profit is determined by subtracting allowable business expenses from your total income. Common deductible expenses include business-related costs like office supplies, travel, and equipment.

Filing tax returns is an annual requirement for self-employed workers. HMRC uses the information provided in your tax return to calculate the amount of tax you owe. Additionally, National Insurance contributions are a vital part of your self-employment tax responsibilities. Class 2 and Class 4 National Insurance contributions are applicable, contributing to entitlements such as your pension, along with other benefits.

Seeking professional advice from an accountant or tax advisor is advisable, especially as your business grows and your tax affairs become more complex. Their expertise can help you optimise your tax position and navigate any changes in tax legislation that may impact your self-employment.

What should I do if I no longer run my business?

If you find yourself in a situation where you’re no longer running your business, it’s important to follow specific steps to properly conclude your self-employment status. Taking these measures will ensure you meet legal requirements and prevent any lingering tax-related issues.

Here’s a comprehensive guide on what to do if you no longer run your business.

Inform HMRC

Notify HMRC as soon as possible. You can use the online tools available through your HMRC account to update your status. Provide details about the cessation of your business activities, including the date when you stopped trading.

Finalise tax returns

Complete any outstanding tax returns for the final year of your self-employment. Ensure that you accurately report your income and allowable expenses up to the date you ceased trading. This will help determine your final tax liability.

Settle outstanding taxes

Pay any outstanding taxes owed to HMRC. This includes income tax and National Insurance contributions. This will avoid being left with any penalties and ensures a clean financial break from your self-employment.

Dispose of business assets

If you have any remaining business assets, determine their value and disposition. Whether you sell, transfer, or dispose of assets, keep accurate records for tax purposes.

Cancel VAT registration (if applicable)

If you were VAT registered, formally cancel your VAT registration with HMRC. Ensure that all outstanding VAT returns are filed, and any outstanding VAT liabilities are settled.

Close business bank accounts

If you have a separate business bank account, close it or convert it to a personal account. Ensure that all financial matters related to your business are resolved.

Inform other relevant authorities

Notify other relevant authorities, such as local councils or licensing bodies, if applicable, about the cessation of your business activities.

Retain business records

Hold onto your business records for at least five years, from the date of 31st January following the tax year to which they relate. This is important in case you receive any potential future inquiries from HMRC.

Other considerations of registering as self-employed

Beyond the fundamental aspects of registration, tax obligations, and closure procedures, there are several additional factors and considerations that self-employed people in the UK should keep in mind.

Incorporating these considerations into your self-employed work can contribute to long-term success, resilience in the face of challenges, and a fulfilling entrepreneurial experience. Regularly reassessing and adapting to changes ensures that your business remains dynamic and well-positioned for growth in the ever-evolving landscape of self-employment.

Retirement planning

As a self-employed person, you are responsible for your retirement planning. Consider contributing to a personal pension scheme, which can offer tax advantages and help secure your financial future.

Financial planning

Develop a comprehensive financial plan for your self-employment venture. This includes budgeting, setting aside funds for taxes, and planning for both short-term and long-term financial goals.

Networking and marketing

Building a reliable network and implementing strong marketing strategies are vital for the growth of your self-employed business. Set up a website, make the most of online advertising and social media, attend industry events, and build professional relationships to enhance your business presence.

Continuing Professional Development (CPD)

Stay updated on industry trends, regulations, and best practices through continuous professional development. Attend workshops, watch webinars, and take relevant courses to enhance your skills and knowledge.

Record keeping and bookkeeping

Maintain meticulous records of your income and expenses. Invest in a reliable bookkeeping system to streamline financial management and facilitate accurate tax reporting.

Business structure evaluation

Regularly assess your business structure to ensure it aligns with your evolving needs. You might consider consulting with a business advisor or accountant to see whether a change in structure could be beneficial.

Health and wellbeing

Self-employment can be demanding, both mentally and physically. Prioritise your health and wellbeing by establishing a work-life balance, taking breaks, and seeking support when needed.

Legal compliance

Keep abreast of changes in legislation and regulatory requirements relevant to your industry. Regularly review and update your business practices to remain compliant with the law.

Emergency fund

Establish an emergency fund to cover unexpected expenses or periods of lower income. This financial buffer provides stability during challenging times and safeguards your business against unforeseen circumstances.

Environmental impact

Consider the environmental impact of your business operations. Implement sustainable practices where possible, as societal and consumer awareness of eco-friendly businesses continues to grow.

Technological integration

Embrace technology to streamline your business processes. Try out accounting software, project management tools, and other technology solutions to boost your efficiency and productivity.

Client contracts

Clearly define terms and conditions in your client contracts or service agreements. Clarity in expectations can prevent misunderstandings and disputes.

Succession planning

Develop a succession plan for your business, especially if you plan to retire or pass on the business in the future. This plan outlines the steps for a smooth transition of ownership or closure.

Get small business insurance with Protectivity

If you’re starting your own business, there are additional measures you can take to protect yourself after registering as self-employed. While it may not be a legal requirement, having appropriate insurance can provide financial protection in unforeseen circumstances.

Protectivity’s small business insurance has been specifically created to support you in the event that claims are brought against your business. Public liability is automatically included and protects you if you’re sued by a third party; for example, for an injury or property damage suffered by a client or member of the public. There’s also employers’ liability for anyone with a team, ensuring that you’re protected against claims from workers who become injured or ill.

Find out more and get an instant quote suited to your needs.

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