Category: Business

16:51:50 BST • 27 May 2025

How Much do Bricklayers Make?

20 February 2024

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9 mins read

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

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

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

What value do bricklayers offer to clients?

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

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

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

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

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

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

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

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

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

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

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

Can bricklayers make £100,000?

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

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

How much can a self-employed bricklayer earn?

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

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

What are the costs and expenses for bricklayer businesses?

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

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

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

How do I get started as a bricklayer?

Getting started as a bricklayer typically involves the following steps:

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

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

How can bricklayers increase their earnings?

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

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

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

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

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

What can bricklayers specialise in to earn more?

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

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

Get Bricklayers Insurance with Protectivity

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

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

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

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22:11:20 GMT • 22 January 2025

How to Register as Self Employed

13 February 2024

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10 mins read

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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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How to Start a Cleaning Business

6 February 2024

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11 mins read

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If you’re thinking of starting a cleaning business, it’s a good opportunity to enter a thriving and relatively stable industry. There’s an ever-growing demand for professional cleaning services in both residential and commercial sectors.

Establishing and sustaining a successful cleaning business requires meticulous planning, a keen understanding of the market, and the ability to adapt to the dynamic needs of clients. It’s important to develop your knowledge around the essential aspects of running a business like this. From daily operational responsibilities and required skills to the financial considerations and potential rewards, there’s lots to learn.

In this guide to how to start a cleaning business in the UK, we’ll explore insights and practical advice that will help you make your business thrive.

The daily responsibilities of running a cleaning business

Running a successful cleaning business involves a range of daily responsibilities that extend beyond the act of cleaning itself. Each day begins with meticulous planning and coordination. Scheduling and organising cleaning jobs takes a lot of focus and liaising with clients, particularly if you employ a team of cleaners. Ensuring that the right personnel are deployed to the right locations, at the right time, is key to maintaining efficiency.

Effective communication is a constant necessity. From speaking with clients to understand their specific needs and expectations, to giving clear and concise instructions to the cleaning staff, communication is the linchpin of a well-operated cleaning business. Addressing client enquiries promptly and professionally is equally crucial, as this is conducive to positive relationships and customer satisfaction.

Quality control is an ongoing task, so you’ll need to conduct regular inspections of completed cleaning jobs to ensure that the established standards are consistently met. This commitment to quality not only satisfies your clients, it also contributes to the reputation and credibility of your business.

Administrative duties form another integral part of daily responsibilities. Invoicing, bookkeeping, and payroll management demand a keen eye for detail in order to maintain the financial health of the business. Additionally, anticipating and resolving any logistical or personnel issues during daily operations is vital for smooth workflow and client satisfaction.

Required skills for running a cleaning business

Running a successful cleaning business requires a varied skill set. First and foremost, organisational skills are vital. Effectively managing schedules, coordinating tasks, and ensuring timely completion of jobs require a meticulous approach to planning and execution.

Interpersonal skills play a crucial role in client interactions and employee management. Clear and empathetic communication with clients is essential for building lasting relationships. Adept communication is equally vital when leading and managing a cleaning team, ensuring that instructions are understood and collaboration is smooth.

Leadership skills will definitely need to come into play if you oversee a team of cleaning staff. The ability to motivate, delegate responsibilities, and create a positive working environment contributes to a cohesive and productive workforce. Time management skills are essential for optimising everyone’s workload and ensuring that resources are used efficiently.

Basic business management skills are necessary for financial aspects of the business, such as budgeting, invoicing, and payroll. Attention to detail in administrative tasks, including record-keeping and compliance with regulations, is crucial for long-term success.

How much money do you need to start a cleaning business?

The startup costs for a cleaning business in the UK can vary, but a rough estimate is between £5,000 to £10,000. This covers expenses such as cleaning supplies, equipment, marketing materials, insurance, and initial wages. The actual amount may vary based on the scale of your business and the services you offer. Creating a detailed business plan can help you to identify and budget for specific costs.

Advantages of starting a cleaning business

Starting a cleaning business in the UK comes with a variety of compelling advantages. Firstly, the industry’s consistent demand means you have a good chance of enjoying a steady flow of potential clients, ranging from residential properties such as houses and flats, to commercial establishments such as offices and shops. Cleaning businesses are therefore pretty recession-resistant ventures, providing stability even in economic downturns.

The accessibility of the cleaning business is another notable advantage. With relatively low startup costs compared to many other industries, you can enter the market without significant financial barriers. Flexibility in choosing target markets, such as specialising in residential or commercial cleaning, allows for strategic positioning based on your personal preferences or market opportunities.

The scalability of cleaning services also offers opportunities for expansion. You can diversify into various cleaning niches, such as carpet or window cleaning, and potentially broaden their geographic reach. The ability to adapt services to cleaning options that are kinder to the planet means you’ll be able to satisfy modern consumer needs in a more environmentally-conscious market.

Challenges of starting a cleaning business

Despite its benefits and promising opportunities, starting a cleaning business does also come with challenges. You’ll need to know how to contend with these when starting a cleaning business in the UK. Fierce competition is a notable obstacle, as the market is saturated with numerous cleaning service providers. Standing out requires strategic marketing, a unique value proposition, and a commitment to delivering exceptional service.

Managing a reliable and skilled workforce is a common sticking point in the cleaning sector. High turnover rates and the need for consistent training create ongoing personnel challenges. Ensuring that staff members maintain the desired level of professionalism and thoroughness in their work is crucial for maintaining a positive reputation.

Client expectations and satisfaction pose additional hurdles. Meeting different client needs while adhering to high cleaning standards requires constant communication and flexibility. Putting the customer first is vital to maintain a positive reputation.

Economic fluctuations may also impact the demand for cleaning services. This may only apply to certain clients, such as residential ones rather than big businesses. There are no certainties around this, as it will depend on the financial stability of the people you work for.

What licence do I need to start a cleaning business?

In the UK, there’s no specific licence required to start a cleaning business. However, it’s important to register your business with HM Revenue and Customs (HMRC) for tax purposes. If you plan to use a business name, you should register it with the appropriate authorities. Depending on the services you offer, there may be additional regulations or certifications that you need to adhere to, such as waste disposal licences or health and safety certifications.

Registering your cleaning business with HMRC

Registering your cleaning business with HMRC is a crucial step in making it compliant. The process involves several key stages.

Firstly, determine your business structure, whether you’re a sole trader, in a partnership, or operating as a limited company. Each structure has specific tax implications, and your choice will influence the registration process.

Next, you’ll need to obtain a Unique Taxpayer Reference (UTR) from HMRC. This personalised reference number will be required for tax administration; you should acquire it before commencing your cleaning services.

As a registered business, you’ll be required to keep accurate financial records. Implementing a robust accounting system is highly important for tracking income, expenses, and taxes owed. Regularly updating these records ensures compliance with HMRC regulations and helps you file accurate tax returns. You may wish to employ an accountant to support your business with this.

HMRC provides various resources, including online portals and helplines, to support businesses during the registration process and beyond. Additionally, staying informed about changes in tax regulations and deadlines is crucial for remaining compliant and avoiding penalties.

Different types of cleaning businesses

The cleaning industry in the UK offers different specialised services catering to various client needs. Understanding these diverse niches allows entrepreneurs to tailor their services to specific markets, providing a competitive edge.

Residential cleaning services:

Focused on private homes, residential cleaning businesses take on projects including regular house cleaning, deep cleaning, and other specialised services based on individual client requirements.

Commercial cleaning services:

These businesses cater to the corporate sector, providing cleaning solutions for offices, retail spaces, and industrial complexes. Commercial cleaners often operate outside regular business hours to minimise disruptions.

Carpet cleaning services:

Specialising in the maintenance and restoration of carpets, these businesses use specialised equipment to deep clean and remove stains, enhancing the longevity and appearance of carpets.

Window cleaning services:

This niche involves the cleaning of windows in residential and commercial properties. Techniques may include traditional hand washing or modern methods, such as water-fed pole systems.

Industrial cleaning services:

Targeting manufacturing plants and industrial facilities, these businesses handle the cleaning of large machinery, equipment, and industrial spaces. They place a focus on safety and compliance with industry standards.

Specialised cleaning services:

This category includes businesses offering unique services such as post-construction cleaning, biohazard cleanup, and hoarding support, requiring specialised skills and equipment.

How much can cleaners earn?

The earnings of cleaners vary depending on factors such as location, experience, and the type of services provided. On average, cleaners can earn between £8 to £15 per hour. Offering certain services or targeting higher-end markets may enable you to charge higher rates. Building a strong reputation for quality work and reliability can lead to repeat business and referrals, ultimately increasing your earning potential.

How to start your own cleaning business

While starting a cleaning business is fairly straightforward, there are a variety of steps you can take to make it a success. There are also numerous legal obligations you’ll need to be aware of.

When looking at how to start your own cleaning business, it will help you enormously to be knowledgeable about the following areas.

Research and planning

Understand the cleaning market in your area, identify your target audience, and create a detailed business plan. This should outline your services, pricing, future goals and marketing strategy.

Legal considerations

Register your business with HMRC, choose a legal structure (sole trader, partnership, or limited company), and ensure compliance with any local regulations or certifications.

Finances

Estimate startup costs, secure funding if needed, and set up a business bank account. Implement a system for invoicing, bookkeeping, and tax management.

Marketing and branding

Develop a strong brand identity and create marketing materials, such as flyers and a website. Use a mix of online platforms, social media, and traditional advertising to promote your services.

Supplies and equipment

Purchase the necessary cleaning supplies and equipment. Establish relationships with suppliers to ensure a steady and cost-effective inventory.

Hire and train staff

Recruit reliable and skilled cleaning staff. Provide thorough training on cleaning techniques, customer service, and safety protocols.

Client contracts

Develop clear and comprehensive contracts outlining services, terms, and expectations. Regularly communicate with clients to make sure they’re satisfied with what they’re receiving.

Networking

Build relationships within the community and with other local businesses. Word of mouth is a powerful tool in the cleaning industry.

Keep learning

Stay informed about your industry and invest in a range of training for yourself and your staff. Regularly assess and improve your services based on client feedback.

Get cleaning insurance with Protectivity

The only thing left to do to secure the future of your business is obtain liability insurance, to protect you and your employees in case of unexpected incidents.

Protectivity’s cleaning insurance is designed to help self-employed cleaners and limited companies protect themselves against the risks of the occupation. It includes public liability up to the value of £5 million, should a client suffer an injury or damage to their property. It also includes employers’ liability, with up to £10 million of cover if one of your employees becomes injured or ill while working. You also get £250 worth of business equipment cover as standard.

Find out more and get an online quote today.

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How Much are Letting Agency Fees

1 February 2024

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8 mins read

Contributors

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Renting out a property can be a lucrative venture, but for UK landlords, the path to profitability often involves engaging with letting agencies. While these agencies play a vital role in streamlining the rental process, it’s essential for landlords to approach letting agency fees wisely to avoid overpaying.

From understanding the percentage of rent letting agents typically charge landlords, to the most common types of fees, it’s important to know the intricacies of these financial practices. These also include the potential expenses associated with a full property management service.

As you look into the details of letting agency fees, you might wonder whether landlords can effectively manage their properties without external assistance. In an era following the tenancy fee ban, it’s also useful to know how regulatory changes have impacted the fees landlords pay, and how you can strategically reduce costs.

Whether you’re a longstanding or new landlord, we’ll help to deepen your understanding of letting agency fees and empower you to make informed decisions around your finances. In this guide, we’ll provide you with the insights needed to navigate the rental market successfully.

What are letting agency fees for landlords?

Letting agents may charge landlords various fees for specific services, in addition to a monthly commission. These charges can significantly impact the overall cost for landlords, so transparency in fee structures is crucial for informed decision-making. Landlords can request a comprehensive breakdown of all potential fees from the letting agent before entering into an agreement.

Some of the most common types of letting agent fees include:

Tenant referencing fees: Charged for checking the background and financial stability of potential tenants, such as conducting credit checks.
Inventory fees: Covering the cost of preparing an inventory and conducting check-in and check-out inspections.
Tenancy renewal fees: Applicable when renewing a tenancy agreement with existing tenants.
Administrative fees: Charged for administrative tasks such as preparing documents and handling paperwork.
Exit fees: Levied when tenants vacate the property to cover additional administrative and cleaning costs.

What percentage of rent do letting agents charge landlords?

Letting agents in the UK also typically charge landlords a percentage of the monthly rent as their fee for finding and securing tenants. The standard range for this fee is between 8% and 15%. This can vary based on the location, property type, and level of services provided by the letting agency. In prime or high-demand areas, agents might charge a higher percentage due to increased competition for rental properties.

This fee covers services such as advertising the property, conducting viewings and referencing potential tenants. If you want to work with a letting agent but their fee doesn’t align with your budget and expectations, landlords are often able to negotiate with them.

How much are letting agency fees for landlords?

The total cost of letting agency fees for landlords can vary widely based on the services required and the agent’s pricing structure. In addition to the percentage-based commission, the additional fees letting agencies charge landlords can range from £200 to £500 or more. Tenant referencing fees might be around £50 to £100 per tenant, while inventory services could cost between £100 and £200.

It’s advisable for landlords to carefully assess the services offered before making a decision. While fees are an important consideration, the overall value and quality of service should also play a significant role in the decision-making process.

How much does it cost for an agent to manage a rental property?

The cost for an agent to manage a rental property is typically an additional fee on top of the initial letting fee. Property management fees usually range from 10% to 15% of the monthly rent. This fee covers ongoing services such as rent collection, property inspections, handling maintenance issues, and managing communication between landlords and tenants.

Landlords who opt for property management services should consider the added convenience, peace of mind and time-saving benefits. While it increases the overall cost, having a professional manage the property can be valuable, especially for those with multiple properties or limited time to handle day-to-day management tasks.

What does a full property management service include?

A full property management service offered by letting agents involves comprehensive support throughout the tenancy period. This service might typically include:

Advertising and tenant placement: Finding suitable tenants through marketing and property viewings.
Tenant referencing: As mentioned earlier.
Tenancy agreement: Preparing and managing the tenancy agreement, ensuring legal compliance.
Rent collection: Handling monthly rent payments and chasing any arrears on behalf of the landlord.
Property inspections: Conducting regular inspections to ensure the property is well-maintained.
Maintenance coordination: Arranging and overseeing necessary repairs or maintenance work.
Emergency support: Providing assistance in case of emergencies or urgent tenant issues.
Void management: In periods between tenancies when the property is vacant, some letting agents may charge landlords for void management services, which involve tasks like securing the property and managing utilities during vacancy periods.
Deposit handling: Although the deposit is primarily for the tenant, some letting agents charge landlords for handling and securing the deposit, ensuring compliance with deposit protection schemes.
Legal and eviction services: If legal action or eviction proceedings become necessary, letting agents may charge fees for handling these complex and time-consuming processes on behalf of the landlord.
Insurance services: Letting agents might offer insurance products such as rent guarantee insurance or landlord’s insurance. In such cases, they could charge a fee for facilitating these services.
Marketing and advertising: Fees may be applied for marketing and advertising services to promote the property. This includes costs associated with online listings, photography, and promotional activities.
Utilities and council tax management: Some letting agents offer services to manage utility payments and council tax on behalf of the landlord, and they may charge fees for handling these administrative tasks.

Is a letting agent worth it?

The decision of whether a letting agent is worth it depends on various factors, including the landlord’s experience, time availability, and the number of properties they own.

They’re beneficial for landlords lacking experience in tenant selection, referencing, and the legal aspects of renting. At the same time, they’re also great for landlords who own multiple properties and need efficient management across a portfolio, with limited time to manage the property themselves.

How can you reduce letting agents’ fees?

It’s crucial for landlords to be proactive about securing a cost-effective agency, while ensuring that essential services are not compromised. You can try out these strategies to reduce letting agents’ fees:

Negotiate fees: Engage in negotiations with letting agents to agree on more favourable terms, especially if you have multiple properties you can work with them on.

Compare agents: Obtain quotes from multiple letting agents and compare their fee structures and services, to settle on the most cost-effective option.

Bundle services: Ask about discounts for bundling services, such as tenant referencing, inventory preparation, and property management.

Can landlords manage properties themselves?

Landlords do have the option of managing their properties themselves. Self-management allows landlords to retain control over various aspects of property management, including tenant selection, rent collection, and property maintenance. However, it requires a good understanding of landlord responsibilities, legal obligations, and effective communication skills.

Landlords opting for self-management should be prepared to invest time in learning and staying updated on relevant legislation. Using online resources, attending landlord workshops, and networking with other landlords can be valuable for those choosing to manage their properties independently.

For landlords who are experienced, have the time to handle responsibilities, and want to save on fees, self-management may be a viable option.

What was the ban on letting agency fees?

The ban on letting agency fees, introduced in England on 1st June 2019, aimed to make renting more affordable for tenants. The Tenant Fees Act prohibits letting agents and landlords from charging certain fees to tenants, such as fees for referencing, credit checks, and administrative tasks. The ban also capped security deposits at five weeks’ rent (or six weeks if the annual rent exceeds £50,000).

However, it’s important to note that are letting agencies are allowed to charge some fees, including holding deposits, rent in advance, and fees for changes to the tenancy requested by the tenant. Landlords and letting agents must comply with the regulations to avoid legal consequences and penalties. The ban on letting agency fees has significant implications for the cost structure of renting in the UK, impacting both landlords and tenants.

Get rent guarantee insurance with Protectivity

For protection against unpaid rent from tenants, you’ll need to invest in rent guarantee insurance.

Protectivity’s rent guarantee insurance includes up to £100,000 of cover for up to 24 months of unpaid rent, rent recovery, tenant eviction, property damage and more.

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

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A Guide to Health and Safety for a Small Business

26 January 2024

•

8 mins read

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As the number of small businesses grows every year, the commitment to health and safety is not just a legal necessity but a fundamental obligation to customers and teams. As regulations evolve and workplaces transform, ensuring a safe and secure environment becomes a paramount concern for business owners.

From the formulation of comprehensive policies to understanding certification requirements and the role of the Health and Safety Executive (HSE), we explore the vital components that contribute to a culture of safety and wellbeing in your workplace.

In this guide, we outline the essential steps, practical insights and guidance that small businesses in the UK need to know, to navigate the intricacies of health and safety compliance.

How to practise health and safety as a small business

Ensuring health and safety in a small business is crucial for the wellbeing of employees and compliance with regulations. Businesses manage health and safety through a combination of policies, risk assessments, employee training, regular inspections, emergency preparedness, compliance with regulations, and ongoing communication with employees.

Read more detail about the various elements of health and safety advice for small businesses.

Develop a health and safety policy

You’ll need a health and safety policy for your small business, outlining your commitment, procedures, and responsibilities around health and safety in the workplace. It is a legal requirement for small businesses to have a health and safety policy. The Health and Safety at Work Act 1974 places a duty on employers to ensure, as far as reasonably practicable, the health, safety, and welfare of their employees at work.

So what exactly is it? A health and safety policy is a key document that outlines how a business intends to meet this duty. The size and complexity of the policy may vary based on the individual business. However, having a written policy is a legal obligation for anyone with five or more employees, to demonstrate that you will meet health and safety standards. If you have fewer employees than this, it isn’t a legal requirement to write it down but it may be useful for you to refer to.

You should be able to find free health and safety policy templates for small businesses in the UK if you need guidance, within many online resources. However, the policy needs to cover these areas:

Part 1: Statement of intent – this is where you’ll detail your own commitment to health and safety, with information on your general policy. It will need to be signed and reviewed regularly by the employer or most senior person in a company.
Part 2: Responsibilities for health and safety – this part needs to include names, positions and duties of the business employees who are responsible for adhering to health and safety guidelines.
Part 3: Arrangements for health and safety – this is where you can outline the plans you’ve set in place to achieve the health and safety objectives in your policy, such as risk assessments and training.

Risk assessment

Small business owners must systematically identify and evaluate potential hazards within the workplace. This includes scrutinising physical, chemical, biological, ergonomic, and psychosocial factors. The process also extends to implementing effective mitigation measures, regularly reviewing and updating assessments to align with evolving workplace conditions.

Proactive risk management not only creates a safer working environment but also serves as a foundation for compliance with health and safety standards, safeguarding the wellbeing of employees and the overall integrity of the business.

Training

Just like any other business, small businesses with employees will benefit from delivering comprehensive training for effective health and safety. Educate teams on safety protocols, emergency procedures, and proper equipment use. Regularly update training so that it’s relevant to evolving risks and regulations. A well-trained workforce ensures awareness, and compliance, and contributes to a secure working environment.

Emergency preparations

Establish robust emergency preparedness in small businesses for effective health and safety. Develop clear evacuation plans, conduct drills, and ensure accessibility to first aid resources. Communicate emergency procedures to employees, for the best chance of a swift and coordinated response. Prioritising preparedness safeguards lives and minimises risks during unforeseen events.

Personal protective equipment (PPE)

Personal protective equipment (PPE) is vital for health and safety in many small businesses. It plays a crucial role in injury prevention and employee protection. Assess workplace risks to understand the type you’ll need, before providing appropriate PPE. This could include gloves, masks, and helmets. Regularly train employees on PPE protocols and proper usage, for a secure environment and compliance with safety standards.

Regular inspections

Regular inspections are vital for small businesses practising health and safety. Conduct systematic checks to identify and mitigate potential hazards. Inspect equipment, facilities, and work processes to make sure they’re all compliant, creating a safer workplace. Proactive inspections contribute to risk reduction, regulatory adherence, and the overall welfare of employees.

Health and safety committee

If you have a team, you might like to create a committee to involve employees in the decision-making process regarding health and safety. Create a health and safety for small business checklist and share it with everyone, or develop it together. This ensures that the whole team are informed on how to support the business in maintaining the required standards.

Record keeping

Effective record-keeping is integral to practising health and safety in a small business. Maintain detailed records of risk assessments, safety training, and regular inspections. Document incidents, near-misses, and corrective actions taken. This information not only ensures compliance with regulations but also aids in identifying trends and areas for improvement.

Accurate record-keeping demonstrates your commitment to health and safety protocols, facilitates the tracking of employee training and equipment maintenance, and is invaluable in the event of audits or inspections. Regularly review and update records to reflect changes in the workplace, for a proactive approach to maintaining a safe and secure working environment.

Enlist professional support

Health and safety consultants for small businesses can offer you invaluable support. You may wish to invest in professional help from someone who specialises in guiding organisations through regulatory compliance, risk assessments, and policy development. They’ll tailor their expertise to the unique needs of small enterprises, so that they can give you practical solutions to enhance workplace safety and adhere to legal standards.

From conducting thorough safety audits to offering employee training, these consultants play a pivotal role in helping you create a secure working environment. By collaborating with them, you can navigate complex regulations efficiently, mitigate risks, and put employees and customers first. It can be a worthwhile business expense for the benefits to your business reputation, as well as the time and stress it saves you in running your company safely.

Does my business need a health and safety certificate?

In the UK, small businesses typically do not require a specific health and safety certificate. As discussed above, the focus is on the need for small businesses to assess their operations, identify potential risks, and implement measures to ensure compliance.

While there isn’t a universal certificate, certain industries or activities might necessitate specific certifications. Consultation with regulatory authorities and professional advice can clarify whether any industry-specific certifications or registrations are mandatory for your company.

Do I need to register my business with HSE?

In the UK, not all businesses are required to register with the Health and Safety Executive (HSE). Registration is generally not mandatory for most low-risk businesses. However, you are still obligated to ensure health and safety compliance. If your business involves higher-risk activities or falls within certain industries (e.g., construction, manufacturing, or hazardous materials), you may need to register with the HSE.

It’s recommended to use the HSE’s online tool or contact them directly to determine your specific obligations. Keep in mind that even if registration is not mandatory, compliance with health and safety regulations outlined by the HSE is essential for all businesses in the UK.

Get small business insurance with Protectivity

When it comes to mitigating financial risks and protecting your business against unexpected events, having the right insurance is crucial. It gives you coverage for property damage, liability claims, legal expenses, and employee-related risks. Running a small business can be unpredictable enough, so you can enjoy more peace of mind if you protect yourself against accidents or lawsuits, which can threaten the financial stability of a small business. This ensures that your company can recover and continue operations in the face of adversity, for a resilience that instils confidence among any stakeholders and safeguards your investment.

Protectivity’s small business insurance offers you a safety net, with up to £5 million worth of public liability and up to £10 million worth of employers’ liability to choose from. You can also opt for a products liability insurance extension, or optional commercial legal protection.

Read more and get an online quote tailored to your needs. If you need any support, our team are on hand to answer your questions.

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Benefits of Sports Massage

11 January 2024

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8 mins read

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In the world of sports and physical fitness, achieving peak athleticism requires more than just rigorous training and a disciplined routine. It demands a holistic approach to your wellbeing, which is where a sports massage benefits your performance greatly. This dynamic therapeutic technique goes beyond the sole benefits of relaxation, giving a variety of advantages to anyone engaging in regular physical activity.

From enhanced circulation and increased flexibility to stress reduction and accelerated recovery, the science behind sports massage shows how it can become an integral component of your training regimen.

In this comprehensive guide on the benefits of sports massage, we aim to shed light on the transformative power of this treatment, which is far more than just an occasional self-care activity.

Key benefits of sports massage

Here are some of the main benefits of a sports massage for different areas of your body and mind.

Improved circulation

Better circulation is one of the key benefits derived from sports massage. As this therapeutic technique employs various hands-on techniques and movements to target muscles and soft tissues, it stimulates blood flow throughout the body.

The massage strokes, ranging from effleurage (long, light strokes) to petrissage (deep pressure on specific muscles and tissue), create a vasodilation effect. This means they expand blood vessels and enhance blood circulation. As a result, more oxygen and vital nutrients are efficiently delivered to the muscles, supporting their function and aiding in the removal of metabolic waste products.

This increased circulation has several positive effects on the body. Firstly, it promotes faster muscle recovery after strenuous physical activity by reducing the buildup of lactic acid and other metabolic byproducts. Additionally, improved circulation plays a crucial role in preventing muscle soreness and stiffness.

Beyond muscle-related benefits, enhanced blood flow contributes to better overall cardiovascular health. It can lower blood pressure, improve the efficiency of the cardiovascular system, and positively impact the circulatory and respiratory systems.

Muscle flexibility and range of motion

Sports massage plays a pivotal role in enhancing muscle flexibility and improving your overall range of motion. The targeted manipulations and stretches address muscle tension and promote suppleness. As the masseuse works to release knots within muscles, those muscles see increased elasticity. Additionally, specific stretching techniques employed during sports massage help lengthen muscles and improve their flexibility.

As a result of these interventions, anyone doing regular physical activity experiences improved range of motion. The increased flexibility contributes to better joint mobility and allows muscles to move through their full range, reducing the risk of strains and injuries during physical exertion.

The benefits of enhanced muscle flexibility and improved range of motion extend beyond the immediate post-massage period. Regular sports massage sessions can contribute to the prevention of muscle imbalances and the development of more efficient movement patterns, promoting long-term flexibility and mobility.

Injury prevention and rehabilitation

If you’ve experienced musculoskeletal issues, sports massage is a powerful tool for both preventing injuries and aiding in the rehabilitation process. This is because the most important sports massage benefits are around maintaining the overall health of muscles and soft tissues, helping to identify and address any muscular imbalances. This can contribute to the prevention of injuries. By promoting a more balanced musculature, the risk of overuse or strain on specific areas is reduced.

Whether used proactively to prevent injuries or as part of a rehabilitation plan, sports massage complements other therapeutic methods by promoting faster recovery and minimising the risk of recurring issues. Anyone recovering from injuries, whether an athlete or recreational sports player, can benefit from the targeted approach of sports massage to ensure optimal musculoskeletal health.

Sports massage aids in the rehabilitation process by promoting blood flow to injured areas, and facilitating the delivery of nutrients and oxygen essential for healing. This can also reduce the risk of injury before any has occurred. Through specific massage techniques, the formation of scar tissue can be minimised, contributing to improved tissue flexibility and functionality during the recovery process.

Stress reduction

Sports massage can have a profound impact on stress reduction, extending its benefits beyond physical improvements to include mental and emotional aspects too. Here’s how sports massage contributes to stress relief:

Activation of the relaxation response – Sports massage techniques stimulate the parasympathetic nervous system. This activation triggers the body’s relaxation response, leading to a reduction in stress hormones like cortisol. As a result, the overall stress levels in the body decrease.
Muscle tension release – Stress often manifests physically as muscle tension. Sports massage targets specific muscle groups, releasing knots and tightness. This physical release contributes to an immediate sense of relaxation and can alleviate chronic muscle tension associated with stress.
Improved sleep quality – Stress can interfere with sleep patterns. Sports massage promotes relaxation, helping you achieve a more restful sleep. The release of tension and the calming effect on the nervous system induced by the massage contribute to better sleep quality.
Mood enhancement – The release of endorphins during sports massage contributes to an improved mood. Endorphins are natural mood enhancers, and their release during the massage creates a sense of wellbeing and relaxation, countering the effects of stress.
Mind-body connection – Sports massage emphasises the connection between the mind and body. By promoting awareness of bodily sensations and encouraging mental focus on the present moment, massage helps you release mental stressors and achieve a state of mindfulness.

Lactic acid reduction and muscle recovery

Sports massage plays a crucial role in lactic acid reduction and muscle recovery, with a focused approach that alleviates the aftermath of intense physical activity. Here’s how sports massage benefits you in this way:

Lymphatic drainage – The massage techniques employed assist in lymphatic drainage, helping to eliminate waste products such as lactic acid from the muscles. This process accelerates the body’s natural ability to clear metabolic byproducts that accumulate during strenuous exercise.

Reduction of muscle soreness – Lactic acid accumulation is often associated with muscle discomfort and fatigue. Sports massage helps alleviate sore muscles by reducing the concentration of lactic acid in the muscles.
Prevention of delayed onset muscle soreness (DOMS) – Delayed onset muscle soreness, often caused by microscopic damage to muscle fibres during exercise, can be mitigated by sports massage. By addressing tension and promoting efficient waste product removal, the massage aids in preventing or minimising the severity of DOMS.
Faster recovery time – The combination of increased blood flow, lymphatic drainage, and alleviated muscle soreness leads to quicker recovery for athletes. Sports massage enables you to bounce back more quickly from intense training sessions or competitions.

Common questions

Here we’ve answered some commonly asked questions about sports massage benefits.

What is the best time to get a sports massage?

Here are the optimum times to book a treatment for to enjoy the benefits of sports massage:

Before exercise – Light, dynamic massage can be performed as part of a warm-up routine to prepare muscles for activity.

After exercise – As mentioned earlier, deeper, more therapeutic massage helps in recovery by reducing muscle pain and aiding in the removal of waste products.

Regular intervals – Periodic sessions during training phases to address muscular imbalances, prevent injuries, and promote overall wellbeing.

How often should you get a sports massage?

The frequency of your treatment depends on your own health needs, training intensity, and goals. Athletes in heavy training may benefit from weekly sessions, while others may find monthly maintenance sufficient.

What happens to your body after a sports massage?

As we’ve highlighted, sports massage induces a cascade of positive effects, promoting both physical and mental health. The specific responses can vary in everyone, but the overall outcome is a body that feels more relaxed, flexible, and prepared for optimal performance. After a sports massage, several physiological and psychological changes occur in the body, contributing to improved wellbeing and physical performance.

To summarise the sports massage benefits discussed in this article, here’s an overview of what typically happens to your body right after a treatment:

Reduced muscle stiffness
Lymphatic drainage
Release of endorphins
Stress reduction
Improved muscle recovery
Increased body awareness
Temporary slight fatigue

Get sports massage insurance with Protectivity

Sports massage insurance is essential for practitioners to safeguard against potential liabilities and financial risks inherent in the field. As massage therapists work in dynamic environments with active people, the likelihood of accidents or injuries increases. Insurance provides crucial coverage, protecting you from legal claims and financial losses resulting from unforeseen events during sessions. It’s a necessary investment that gives everyone peace of mind, promoting a secure and professional environment for both you and your clients.

Protectivity’s sports massage insurance ensures that you can focus on delivering quality care without the constant worry of potential legal and financial repercussions. Choose from public liability between £1 million and £5 million, optional equipment cover, professional indemnity, employers’ liability, personal accident cover and more.

Find out more and get a quote online.

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Winter Business Ideas

9 January 2024

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8 mins read

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With the start of the new year, you may be looking into business ideas for the winter season. This time of year is a popular time for change, as new resolutions are made and current job satisfaction may be a little low.

There are many customer problems you can look to solve in order to build a company that thrives, resulting in a solid income stream as you offer a genuinely valuable service. From personal training to specialist catering, the possibilities within different industries are more varied than you might realise. All it takes is a little original thinking and research.

In this article, we’ll explore some of the best UK winter business ideas and look into some considerations before you start.

What to consider when creating winter business ideas

Starting a winter business can be a rewarding venture, but it comes with its own set of challenges and considerations. Here are key factors to keep in mind when launching a business made for the colder months.

Understand seasonal demand

Before diving into a winter business, thoroughly research and understand the seasonal demand in your target market. Identify the specific needs and preferences of consumers during the winter months. Consider whether your chosen niche experiences a surge in demand during the colder season, and analyse the potential competition.

What are good business ideas for winter?

Winter business ideas are everywhere once you start looking. You could look at tried-and-tested ideas and get in on mainstream trends or commonly in-demand services, to give people something practical that stands a good chance of being profitable. If you’re more of an innovator and want to set yourself apart, you can think beyond conventional money-making ideas that serve a crowded market.

Here is a selection of winter business ideas that generally do well in the UK.

Personal Training & Fitness

Winter often marks the beginning of the new year, a time when individuals are motivated to make positive changes in their lives, including adopting healthier habits. This creates a prime opportunity for personal trainers to tap into the market of people seeking to fulfil their New Year’s resolutions and get in shape. Furthermore, starting a personal trainer business in winter allows for ample time to build a client base and establish a strong presence before the peak fitness season in spring and summer.

Home maintenance services

The winter season often prompts homeowners to prepare their properties for the colder months. Offering services such as gutter cleaning, roof inspections, and window sealing can help businesses thrive during this time. You can educate potential customers about why these services are essential for protecting homes from winter weather, showing the value of your work.

Winter clothing retail

With dropping temperatures comes the inevitable increased demand for warmer clothes. Your business could focus on stylish and functional winter wear, with designs for men, women, children or a combination of everything. Your collections might range from fashionable coats and boots to cosy accessories like scarves and gloves.

You could either design your own products or source them from wholesalers. If you want to appeal to the increasing consumer market who prefer to shop from eco-friendly brands, you could use only sustainable materials and work with suppliers who use ethical practices.

Health and wellness services

Winter often brings with it seasonal illnesses such as colds and flu, making health and wellness services more relevant than ever. Businesses offering immune-boosting products, wellness retreats, or virtual fitness classes for indoor workouts can capture the attention of health-conscious consumers.

You can help to grow your brand by positioning yourself as an authority on health and wellbeing, speaking out about physical or mental health (or both). You could start a blog for your website, appear on podcasts or start your own, interviewing guests who work in the industry or speaking on your own. There’s also lots of potential for informative content on social media. For example, you could create a regular video series talking about current trends and hot topics.

Winter landscaping

You might associate garden landscaping with spring and summer. However, winter landscaping services can include designing and decorating outdoor spaces with festive lighting and decorations. This can appeal to homeowners looking to create a winter wonderland in their outdoor spaces.

Snow removal services

Depending on your location or how far you’d like to travel, you could provide snow removal services in regions where snowfall is common. This can be a lucrative venture in areas such as the North Pennines and Scottish Highlands, which usually see snow on around 50 to 70 days each year. Catering to both residential and commercial clients, this business can ensure safe and accessible pathways during snowy days.

Hot beverage retailer

Another small business that works well in the UK is a hot drinks vendor. Setting up a small kiosk or operating a mobile van, serving warming and seasonal beverages, can be a profitable venture in busy areas. Offer a variety of drinks and treats to attract customers, in locations such as national parks and Christmas fairs.

Winter pet care services

Pet owners may find it challenging to give their furry friends the exercise they need during the colder months. Offer pet services such as winter dog walking, pet sitting, or boarding to help pets stay active, happy and spoiled with lots of attention. Take a look at some dog business ideas for inspiration.

Winter photography services

Capitalise on the picturesque landscapes or captured festive moments that this time of year brings, by offering photography services. This can include family portraits, engagement shoots, or snapping the beauty of winter scenes for commercial use. There are plenty of opportunities for a range of different audiences, so you could market your services to both private clients and businesses.

Winter sports equipment rental

If you’re in an area with access to winter sports destinations, consider starting a business that rents out skiing, snowboarding, or ice skating equipment. Target both tourists and locals looking to enjoy winter sports without the commitment of purchasing gear.

Winter vehicle maintenance

With winter comes challenging driving conditions, so you could specialise in helping to ensure safe and reliable transportation during the colder months. Start a business that focuses on winterising vehicles, offering services such as tire changes, antifreeze checks, and overall vehicle inspections.

Winter caravan/camper rental

Cater to the adventurous spirit by offering winter caravan or camper rentals. Provide equipped vehicles that allow customers to experience winter getaways comfortably, whether it’s for a weekend retreat or a longer holiday.

Indoor plant sales and maintenance

Bring a touch of greenery to homes during the winter by starting a business that sells and nurtures indoor plants. Offer a variety of plants that thrive in indoor conditions; you could also provide maintenance services to keep them healthy.

Catering Services

People are often seeking convenient solutions to cater events without the stress of cooking during the winter period. Events such as winter weddings and parties are still popular especially for alternative food truck catering services. The colder weather can also provide an opportunity to create more hearty, comforting food such as pies, casseroles, curries to name a few.

Ice sculpture services

Offer a unique and visually striking service by creating custom ice sculptures for events, weddings, or corporate gatherings. This kind of business can cater to a niche market looking for elegant and bespoke winter decorations.

Get small business insurance with Protectivity

When you’re founding your own venture, there are a range of considerations to make in order to boost your chances of success. While you’ll want to get off to the best start in attracting your customers and bringing in a profit as soon as possible, you’ll also need to plan for the long-term. That means putting things into place such as investing in the right business insurance.

Protectivity’s small business insurance has been created to offer protection against any claims that may arise from customers or employees. Whether you’re looking for Personal Trainer Insurance, Therapist Insurance, Catering Insurance or Pet Business Insurance there are a range of options including public liability cover as standard. You can also opt for employers’ liability, if you have employ staff as well as a selection of optional extras to tailor to your requirements.

Find out more and get a quote tailored to your needs. If you need any support, our team are on hand to help.

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Sole Traders: Key Dates in 2024

4 January 2024

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8 mins read

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As attentions turn to 2024 and the new calendar year, UK sole traders find themselves at the intersection of opportunity and responsibility in the world of business. It isn’t always easy to stay ahead of key dates, including tax deadlines, cut-off dates for payments, and public holidays. To thrive as a small business, however, it’s essential. That’s why staying on top of deadlines is key for sole traders to successfully manage professional responsibilities.

This comprehensive guide aims to empower sole traders with the essential information you need to navigate the financial year effectively. From critical submission dates to strategic planning milestones, we detail the key dates that will shape your business throughout 2024.

In this guide, we look at key dates in 2024 for sole traders.

Key dates in the sole trader business calendar

Remember to stay informed about any changes in tax laws, attend to your year-end obligations, and plan ahead for self-assessment tax return submissions. Regularly check with HM Revenue and Customs (HMRC) or seek advice from a financial professional to make sure you meet tax regulations and meet all your filing and payment requirements.

Note that specific dates may vary based on your location and tax jurisdiction. Here’s an outline of the key dates to know as a sole trader.

January

Monday 1st: New Year’s Day (Public Holiday)

Wednesday 31st: Deadline for submitting the previous tax year’s self-assessment tax return

March

Friday 29th: Good Friday

April

Monday 1st: Easter Monday

Friday 5th: End of the UK tax year

Saturday 6th: Start of the new UK tax year

Friday 19th: The Full Payment Summary and Employer payment summary is due to be completed for the tax year ending 5th April 2023, with any tax or NIC due to be paid.

Tuesday 30th: Deadline for filing personal income tax returns

May

Monday 6th: Early May bank holiday

Monday 27th: Spring Bank Holiday

Friday 31st: Give employees their P60 forms by today

June

Sunday 30th: Deadline for filing your VAT return, if you use the VAT Annual Accounting Scheme

July

Friday 5th: PAYE Settlement Agreements are due to be paid

Friday 19th: Paper submissions of Class 1A National Insurance contributions are due to HMRC (21st for digital versions)

Wednesday 31st: Second payment due for self-assessment tax bill

August

Sunday 26th: Summer bank holiday

September

No specific tax deadlines, but a good time for financial planning and record-keeping

December

Wednesday 25th: Christmas Day (Public Holiday)

Tuesday 31st: New Year’s Eve

What are the tax year dates for 2023-24 in the UK?

In 2023-24, the tax year runs from 6th April 2023 to 5th April 2024. This specific timeframe, also known as the financial or fiscal year, is established by HMRC (Her Majesty’s Revenue and Customs) to govern the assessment and collection of taxes. The choice of these specific dates is rooted in historical calendar adjustments that were made to align the tax year with the old Julian calendar.

The tax year is crucial for sole traders as it determines the period over which income, gains, and allowances are considered for tax purposes. It also influences the timing of various tax-related activities, such as filing self-assessment tax returns and making payments to HMRC.

Understanding the tax year’s boundaries is essential for accurate financial planning, record-keeping, and compliance with tax obligations. As the tax year draws to a close, people and businesses can finalise their financial affairs and prepare for the upcoming tax year’s obligations.

PAYE deadlines for payroll system

If you run a payroll system for your employees in the UK, you’re responsible for meeting various deadlines related to reporting and payment of taxes and National Insurance contributions.

It’s important to note that failure to meet these deadlines may result in penalties or interest charges. Additionally, be aware that these deadlines are subject to change, and it’s advisable to check with HMRC or consult with a payroll professional to ensure compliance with the latest regulations.

Here are some key deadlines for sole traders who are employers in the UK.

Monthly deadlines

Before or on the 5th of each month, you’ll need to submit full payment submission (FPS) to HMRC, reporting details of employees’ pay and deductions for the previous tax month.

By the 19th of each month (or 22nd if paying electronically), you’ll have to pay PAYE (Pay As You Earn) taxes and National Insurance contributions to HMRC for the previous month.

Quarterly deadlines

By 5th July, October, January, and April, you’ll have to submit your Employer Payment Summary (EPS) to HMRC if you didn’t pay any employees in a tax month.

Year-end deadlines

By 19th April, you should submit your final FPS for the tax year.

By 31st May, you’ll need to provide employees with a P60 form, summarising their total pay and deductions for the tax year.

By 6th July, you have to report expenses and benefits provided to employees in the previous tax year.

What are the sole trader changes for 2024?

There are new rules when it comes to taxing sole trader profits, which are due to come into effect in this next new tax year. Starting in April 2024, certain self-employed individuals (sole traders) and partnerships will experience a change in how their profits are taxed, with calculations now aligning with the tax year instead of their accounting year.

This shift is a result of the introduction of new rules known as ‘basis period reform.’ Under these rules, all profits from self-employment and partnerships will be subject to taxation based on the tax year. The transitional year for this change is 2023/24, during which specific rules have been established to facilitate a smooth transition for relevant businesses. These transitional measures aimed to ensure that all businesses affected by the basis period reform were prepared to adopt the tax year basis effectively from 6th April 2024.

If your accounting period concludes between 31st March and 5th April, inclusive, there is some flexibility in the regulations. You can continue reporting profits as usual, as these rules consider any accounting period ending on these specific dates as aligning with the tax year. Nonetheless, it’s important to note that you might still be impacted by basis period reform if you have unused overlap relief.

What are the changes in HMRC 2024?

In addition to the basis period reform changes, there are further changes coming into effect for 2026/27, which some sole traders can start getting prepared for. If you earn over £50,000, you’ll no longer need to complete a Self Assessment return in two years’ time. Instead, you’ll need to comply with new Making Tax Digital for Income Tax rules (MTD for ITSA).

This will be done through a digital system, with the need to periodically report your earnings to HMRC at least once a quarter, rather than once a year. You’ll also have to provide an End of Period Statement (EOPS) at the end of each January, along with a final declaration. It’s all designed to give you better insights into your business finances. The good news is that you’ll know ahead of time exactly how much you’ll need to set aside for tax at the end of the tax year.

You can start preparing for these changes in 2024, by doing away with paper and using software for your accounting if you don’t already, so that you have online records of all your finance details. It will also be a requirement of the new Making Tax Digital system to record all of your business expenditures digitally, so you can get into the habit of taking photos or scans of your receipts, inserting them into your accounting software.

Get small business insurance with Protectivity

The last thing you need when trying to make a success of your small business is for anything to go wrong. However, unexpected events are bound to happen from time to time, which is all part and parcel of providing a service to the public. This is why investing in the right insurance is a good idea for your peace of mind and ability to focus on moving your company forward.

Protectivity offers a range small business insurance cover options, from up to £5 million worth of public liability for third-party claims, to up to £10 million worth of employers’ liability, if you have a team working for you. Whether you’re an artisan looking for Crafters Insurance, a a decorating contractor needing Painters & Decorators Insurance, a private chef who requires Catering Insurance we can cover a variety of requirements and many more professions.

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

Get Small Business Insurance from Protectivity

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Finding Clients as a Freelance Make-Up Artist

26 December 2023

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8 mins read

Contributors

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

Get make-up artist insurance from Protectivity

In the ever-evolving beauty industry, the role of a makeup artist extends far beyond the application of cosmetics. If you’re establishing a brand in this field, balancing your creative talents with good business skills is crucial to make it a success.

If you want to know how to get more clients for your beauty business, there are a range of strategies you can follow. Growing your customer base involves consistent and genuine engagement with your audience, both online and offline, as well as building a strong brand and providing excellent customer service that will enhance your business reputation.

In this guide, we look at how to get more makeup clients, from navigating the intricacies of the industry to valuable insights on skill diversification, as well as effective marketing and client acquisition.

Skill diversification

Diversifying your skills is essential for a successful makeup artist business. It not only broadens your professional capabilities but also positions you as a well-rounded expert capable of meeting the diverse needs of the beauty industry.

Here are several other reasons why skill diversification is crucial for a successful makeup artist business.

Versatility and adaptability

Diversifying your skills allows you to cater to a broader range of clients and occasions. Whether it’s bridal makeup, special effects for film or television, or high-fashion editorial work, being versatile makes you more adaptable to different demands within the industry.

Expanded client base

By offering a variety of services, you can attract clients with different needs and preferences. This expands your potential client base and increases the likelihood of securing bookings for various projects.

Competitive edge

In a competitive industry, having a diverse skill set sets you apart from other makeup artists. Clients often seek artists who can bring a unique touch or specialise in specific areas, giving you a competitive edge in the market.

Maximising opportunities

Different projects and opportunities may require different skills. For instance, a film or theatre production may demand special effects makeup, while a bridal client may require expertise in long-lasting and natural-looking makeup. Skill diversification means you can take opportunities that present themselves to you, by being well-equipped for a variety of projects and people.

Professional development

Continuous learning and skill diversification contribute to your professional development. Staying updated on the latest trends and techniques not only enhances your abilities but also demonstrates to clients that you are committed to excellence in your craft.

Increased income potential

Offering a broader range of services can lead to increased income potential. A makeup artist who can handle various projects may find more opportunities for work, leading to a more stable and lucrative business.

Building a strong portfolio

A diverse portfolio showcases your talent and versatility. This can attract a wider audience and make you more appealing to clients looking for a makeup artist with a well-rounded skill set.

Client retention and referrals

Satisfied clients are more likely to return for different services if they know you can meet various makeup needs. Additionally, they may refer you to others, increasing your client base through positive word of mouth.

Marketing strategies

Marketing is a highly important area to focus on when researching how to get clients for your makeup business. Effective marketing will help to amplify your visibility and attract clients in a competitive industry. It builds brand recognition, establishes credibility, and engages potential customers through various channels and touchpoints.

Marketing also allows you to showcase your unique style as a makeup artist, establish your brand image, gain positive reviews, and create a compelling online presence. Strategic marketing not only drives client acquisition but also helps to build the foundations for long-term relationships, turning satisfied customers into loyal advocates.

Here are a variety of marketing strategies you can try.

Create an online presence

Build a professional website showcasing your portfolio, services, and contact information. Utilise social media platforms like Instagram, Pinterest, and Facebook to share your work and engage with potential clients.

Optimise your website for search engines using SEO strategies, to increase its visibility. This includes using relevant keywords, creating valuable content, and obtaining backlinks.

Client testimonials

Request feedback from satisfied clients and feature their testimonials on your website and social media. Positive reviews build trust and credibility.

Collaborate with Influencers

Partner with local influencers or bloggers for make-up collaborations, so that they’ll talk about you to their followers. This can significantly expand your reach and introduce your services to a broader audience.

Networking

Attend local events, bridal fairs, and networking gatherings to connect with potential clients and other professionals in the beauty industry.

Client attraction

Here are a few ways you can directly attract clients and get them to choose your offering over competitors:

Offer promotions – Provide limited-time promotions or discounts for first-time clients. This can incentivise people to try your services.
Referral programmes – Implement a referral programme where existing clients receive incentives for referring new clients. Word of mouth is a powerful tool in the beauty industry.
Online booking system – Implement an easy-to-use online booking system. Many clients appreciate the convenience of scheduling appointments online.

Finding clients

Here are a variety of ways you can locate people who may be interested in your work and get more clients for your beauty business.

Local partnerships

Collaborate with local salons, spas, or bridal shops. Establishing partnerships can lead to referrals and cross-promotional opportunities.

Freelance platforms

Join freelance platforms like Upwork, Freelancer, or Thumbtack. Create a compelling profile and actively bid on relevant make-up projects.

Community engagement

Engage with local communities through workshops, charity events, or volunteer work. This not only helps you give back but also increases your visibility.

How to get bridal makeup clients

If you want to get specific and attract bridal makeup clients, this is a highly lucrative area to work in. Bridal makeup is also a niche market with unique demands, so the tactics for how to get makeup clients in this field are slightly different. This means it’s essential to employ a targeted approach. By implementing a comprehensive strategy that combines online presence, partnerships, and personalised offerings, you can successfully attract bridal makeup clients and make a lasting impression on their special day.

Here’s how you can effectively reach and resonate with potential bridal clients.

Build an impressive portfolio

Showcase a diverse range of bridal looks in your portfolio, demonstrating your ability to create both traditional and contemporary styles. Include high-quality images that highlight your attention to detail and skill.

Create a bridal-specific website section

Dedicate a section of your website exclusively to bridal makeup. Provide details about your bridal packages, include testimonials from satisfied brides, and showcase before-and-after photos to demonstrate your abilities.

Make use of social media

Leverage platforms like Instagram and Pinterest to share your bridal makeup work. Use relevant hashtags, engage with bridal content, and create visually appealing posts. You could run targeted ads to reach brides-to-be in your local area.

Encouraging satisfied clients to share their experiences through social media is a fantastic way to build your profile and get word-of-mouth recommendations from user-generated content.

Collaborate with wedding vendors

Establish partnerships with local wedding businesses such as bridal shops, photographers, and wedding planners. Networking within the wedding industry can lead to referrals and collaborative opportunities.

Offer bridal packages and promotions

Develop attractive bridal packages that cater to different budgets and preferences. You can offer promotions for brides who book both bridal and bridal party makeup, creating added value for your services.

Engage in bridal shows and fairs

Participate in bridal shows and fairs in your area. This allows you to directly connect with brides, showcase your work, and distribute promotional materials. Be prepared to offer consultations or demonstrations at these events.

Optimise local SEO

Ensure that your website is optimised for local search engine results. This includes using location-specific keywords and claiming your business on Google My Business. Brides often search for local makeup artists, so being easily discoverable is crucial.

Build relationships with wedding planners

Establish relationships with wedding planners who can recommend your services to their clients. Wedding planners often play a pivotal role in helping brides assemble their dream team of vendors.

Get make-up artist insurance from Protectivity

Building a business is an exciting challenge on its own and the road isn’t always straightforward, so it’s a good idea to have insurance in place to protect you against unforeseen events. This gives you peace of mind and reassures clients that you are a highly professional business.

Protectivity’s make-up artist insurance offers various cover options. Choose from public liability, products liability, equipment and stock, personal accident and legal expenses. If you employ team members, you can also opt for employers’ liability.

Find out more and get a quote online. If you need any support, our team can answer your questions.

Get Make-Up Artist Insurance from Protectivity

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