Category: Laws, rules and regulations

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Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

With four weeks to go before the deadline, HMRC have announced that 5.4 million taxpayers still need to complete their self-assessment tax return. Are you one of them?

If you’re self-employed or a sole trader in the UK, filing your self-assessment tax return is a crucial part of managing your finances. It’s not exactly a task most people look forward to, but missing the deadline can lead to some serious consequences. Whether it’s due to procrastination, confusion, or unexpected life events, filing late can result in penalties, stress, and extra costs.

If you’ve left it to the last minute this year…take a breath, don’t panic, there’s still time! Here are some tips to highlight what happens if you miss the self-assessment deadline, most importantly – what you can do about it, and common queries surrounding a late tax return.

When is the deadline to submit your tax return in the UK?

For most people, the self-assessment deadline falls on 31st January 2025 following the end of the tax year. For example, the deadline for the 2023/24 tax year (which runs from 6th April 2023 to 5th April 2024) is 31st January 2025. If you’re filing a paper tax return by post, the deadline is earlier: 31st October 2024.

Failing to meet these deadlines can result in penalties, so it’s vital to mark them in your calendar. It’s also a good idea to start preparing well in advance—tax returns are rarely a task you want to rush through at the last minute.

Who should submit a tax return?

Self-assessment isn’t just for the self-employed, although they make up a significant portion of filers. You’ll need to submit a tax return if:

You’re self-employed or a sole trader earning over £1,000.
You receive untaxed income, such as rental income, dividends, or investment gains.
You earn more than £50,000 and claim Child Benefit, triggering the High-Income Child Benefit Charge.
You need to pay Capital Gains Tax or have other income that hasn’t been taxed at source.

If you’re unsure whether you need to submit a return, it’s better to check with HMRC rather than assume—it could save you a headache later.

What should you do if you think you’ll miss the deadline?

If you know you’re cutting it close, don’t panic. There are steps you can take to minimise the fallout:

Contact HMRC: If you’re facing circumstances beyond your control, such as illness or a bereavement, let HMRC know as soon as possible. They may offer support or leniency, especially if you act promptly.

Gather your documents quickly: Even if the deadline is near, organise your income records, expense receipts, and other relevant paperwork. This will make the process faster.

Consider an extension: While rare, you may be able to get an extension for extraordinary circumstances. This usually involves proving why you couldn’t meet the original deadline.

Work with an accountant: A professional can help you file as quickly and accurately as possible, reducing the risk of errors but at a late stage they will likely be fully committed to other clients.

What are the penalties for a late tax return?

The penalties for missing the deadline can add up quickly:

£100 Late Filing Fee: This applies if your return is up to 3 months late.
Daily Penalties: After 3 months, you’ll be charged £10 per day, up to a maximum of £900.
Additional Penalties: At 6 months late, you’ll face a further 5% of the tax due or £300, whichever is greater. The same applies after 12 months.
Interest on Unpaid Tax: Any tax you owe will accrue interest from the day after the payment deadline.

For example, if you owe £5,000 in tax and delay your return for over 6 months, you could face penalties exceeding £1,000—on top of the unpaid tax itself.

What if your accountant has filed it late?

Even if you rely on an accountant, the responsibility ultimately falls on you as the taxpayer. If your accountant fails to file on time, here’s what you should do:Communicate immediately: Ask your accountant for an explanation and whether they can rectify the issue promptly.

Document everything: Keep records of your correspondence in case you need to appeal any penalties.

Raise a complaint: If the accountant’s negligence has caused penalties, you can file a complaint with their professional body.

While HMRC is unlikely to waive penalties unless you can prove exceptional circumstances, showing that you acted in good faith may help.

What if you didn’t know you had to submit a tax return?

Ignorance isn’t usually a valid excuse, but HMRC does recognise that some individuals genuinely don’t realise they need to file. Common scenarios include:

Newly self-employed individuals: If you’ve recently started working for yourself, you may not know about the self-assessment system.

Complex income situations: If you have multiple income sources, it’s easy to overlook the requirement.

If this applies to you, register with HMRC as soon as possible. Be honest about why you didn’t file, and they may reduce penalties. However, don’t delay—acting quickly is key.

How to submit a late tax return

Filing late isn’t ideal, but it’s better than not filing at all. Here’s how to do it:

Log in to your HMRC account: Use your Government Gateway credentials.
Prepare your documents: Include income statements, expense receipts, and any relevant records.
File the return online: Complete the form accurately to avoid triggering further penalties.
Pay any tax owed: Settle the outstanding amount, including penalties and interest.

If you’re unsure about any part of the process, seek advice from an accountant or HMRC’s helpline.

How to appeal a late penalty charge for late submission

If you’ve received a penalty for filing late and believe it’s unfair, you have the right to appeal. Here are the steps you should take in these circumstances:

Understand your reason for the appeal:

HMRC will only consider appeals for specific “reasonable excuses.” Examples include:

A serious illness or hospitalisation.
The death of a close family member shortly before the deadline.
Fire, flood, or theft preventing you from filing.
Technical issues with HMRC’s online services.

Gather evidence:

To support your appeal, collect evidence such as:

Medical records or a doctor’s note.
Death certificates for close relatives.
Screenshots of error messages if technical issues occurred.

Submit your appeal

Use HMRC’s online service or submit a written appeal via post. Include your unique taxpayer reference (UTR), details of the penalty, and an explanation of your circumstances.
Appeals can also be made by calling HMRC’s helpline for guidance.

Await HMRC’s decision

HMRC will review your appeal and notify you of their decision. This can take several weeks, so be patient but follow up if you don’t hear back.

Escalate if necessary

If your appeal is rejected and you still believe you have a strong case, you can request a review or take your case to the Tax Tribunal.

Acting promptly is critical. Appeals must generally be made within 30 days of the penalty notice.

Preventing future issues with your tax returns

Avoid the stress of late filing by taking proactive steps:

Start early: Don’t wait until January to think about your tax return.
Use accounting software: Tools like QuickBooks or Xero can simplify the process.
Hire a trusted accountant: Work with someone who understands your needs and won’t leave things to the last minute.
Set reminders: Use digital tools or a calendar to keep track of deadlines.

Missing the self-assessment tax return deadline isn’t the end of the world, but it can lead to unnecessary stress and financial penalties. By understanding your obligations, staying organised, and acting quickly if you’re late, you can minimise the impact.

Remember, HMRC’s deadlines are there for a reason, but they’re not designed to catch you out. If you’re ever unsure or need help, reach out to a professional or HMRC for guidance.

Get business insurance with Protectivity this year

As you’re completing your tax return you may also have insurance in mind. Ensuring you have the necessary cover for your business can avoid costly setbacks if things go wrong, often beyond your control, and you need to make a claim.

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

Whether you’re looking for specialist trades cover, pet care business insurance, catering insurance, crafters insurance, or another small business, find out about all the small businesses we can cover.

You can also get in touch with our team to discuss your specific requirements.

Get Small Business Insurance from Protectivity

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

Last updated by

09:07:02 GMT • 8 January 2025

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

What you need in a dog walking contract

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

10 December 2024

•

11 mins read

Contributors

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

Get pet business insurance from Protectivity

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

As a dog walker, you might think a friendly handshake is enough to seal the deal with clients—but trust me, it’s not. Whether you’re walking one dog occasionally or managing a full list of regulars, a written contract is essential. It protects you financially, keeps expectations crystal clear, and safeguards your reputation when things don’t go as planned.

From payment disputes and last-minute cancellations to liability issues if a dog causes damage or gets injured, a contract acts as your safety net. It shows clients you’re professional, builds trust, and ensures you’re fairly compensated for your time and effort. Let’s break down what your contract should include to make every dog walking arrangement smooth and stress-free!

Why bother with a dog walking contract?

You might think a friendly chat and a handshake are enough, but the truth is, having a dog walking contract is about so much more than a quick walk around the block. It sets the foundation for a smooth, professional, and drama-free experience.

Here’s why a contract is an absolute must—and some real-life examples to show why it matters.

Legal Protection

Accidents happen. A contract can cover your back if something goes wrong. It’s like having a safety net for both you and your walker.

Dogs are unpredictable, and even the best-behaved pooch can cause an unexpected incident. A contract acts like a safety net, outlining who’s responsible if something goes wrong.

Here are a few scenarios where this could save the day:

If the dog injures another pet or person during a walk, the contract can clarify whether the owner’s pet insurance covers such situations or if the walker needs their own liability insurance.

Without a written agreement, you’re relying on verbal promises, which don’t hold much weight in legal disputes. A well-crafted contract ensures everyone knows their rights and obligations, avoiding costly misunderstandings later.

Clear Expectations

No more confusion over who’s doing what, when, or how much it costs. It’s all there in black and white.

Misunderstandings are the bane of any arrangement, and dog walking is no exception. A contract lays out the who, what, where, when, and how of the service, so there’s no room for confusion.

The owner might expect you to take their pup on an hour-long, off-lead run in the park, while the session was planned for a 30-minute stroll around the block on a lead. The contract eliminates these mismatched expectations by specifying the walk duration, location, and style.
Payment issues can also arise. Suppose you expect weekly payments, but the owner assumed it was monthly. A clear contract can specify how and when payments are made.

This clarity prevents those awkward, “Wait, we didn’t agree to that” moments and keeps the relationship running smoothly.

Accountability

Everyone knows their role, so there’s less chance of mix-ups or, let’s be honest, awkward arguments. A dog walking contract creates a shared understanding that holds both parties accountable.

If the owner fails to leave the dog’s lead and harness out as agreed in the contract, the walker isn’t left scrambling or blamed for delays.
If the walker skips a scheduled walk without notice, the owner has the written terms to fall back on when discussing compensation or service continuity.

Accountability works both ways and keeps everyone honest. It’s about mutual respect and ensuring the dog gets the care they deserve.

Professionalism

A contract shows that dog walking isn’t just a casual side gig—it’s a serious service. For owners, it reassures them that their pet is in reliable hands. For walkers, it establishes them as trustworthy professionals who value clear communication and quality care.

Imagine a walker who hands over a printed contract outlining their services, rates, and emergency protocols. The owner immediately feels reassured that this person knows what they’re doing and can be trusted with their beloved pet.
On the flip side, an owner who insists on a contract demonstrates they’re a responsible pet parent who respects the walker’s time and effort.

Professionalism builds trust, which is essential for a happy working relationship. After all, a dog walker isn’t just taking a pet for a stroll—they’re being entrusted with a member of the family.

Flexibility for Extras

Life doesn’t follow a set schedule, and dog care often needs a little extra flexibility. A good contract can make it easy to add or adjust services without any drama.

Say the owner suddenly needs weekend walks or an extra service like feeding the dog after the walk. A contract can include an add-on clause, so the walker knows how to handle these requests—and what to charge.
Maybe the walker notices the dog’s nails are getting too long or they need a bath after muddy walks. The contract could allow for these additional services to be offered with clear terms.

Having this flexibility in writing saves time and avoids endless back-and-forth. It also keeps the working relationship adaptable to changing needs.

The must-haves in your dog walking contract

Let’s dive into the nuts and bolts. Here are the key bits every dog walking contract should include:

1. Contact Info

Get the basics sorted:

Full names, addresses, and phone numbers for both parties.
Emergency contacts—because you never know when you might need them!

2. All About the Dog

Make sure the walker knows your furry friend inside and out:

Name, breed, age, and size.
Any quirks, like “hates cyclists” or “loves rolling in mud.”
Medical conditions, allergies, or dietary needs.

3. What’s Included in the Walks

Spelling out the details avoids those “Oh, I thought you meant…” moments:

How often and how long the walks will be (e.g., “30-minute walks, five days a week”).
Where the walks will happen—park, local area, or somewhere else?
Any extras, like feeding, playtime, or administering medication.

4. Money Matters

Nobody likes talking money, but it’s important:

How much you’re paying, how often, and how you’ll pay (cash, bank transfer, etc.).
What happens if you’re late paying or cancel last minute.
Refund policies if a walk doesn’t happen—who’s footing the bill?

5. Scheduling and Cancellations

Life happens, but a plan makes it less messy:

How much notice is needed to cancel or reschedule—24 hours? A week?
What happens if the walker can’t make it due to illness or other emergencies.

6. Liability and Insurance

This is where the “what ifs” come in:

Who’s responsible if the dog causes damage, runs off, or gets hurt?
Does the walker have public liability insurance? If not, you might want to look into that.

7. Emergency Plan

No one wants to think about it, but it’s better to be prepared:

What should the walker do if there’s an emergency?
Vet contact details and your preferred animal hospital.

8. Gear and Supplies

It might sound small, but it matters:

Who’s providing the lead, harness, and waste bags?
Any special equipment, like a specific training lead or booties for cold weather?

9. Health and Vaccination Rules

Keep everyone safe:

Confirm your dog’s up to date on vaccinations and free of contagious illnesses.
Maybe include proof of this in the contract—belt and braces and all that.

10. Dog Walking Forms

Forms? Really? Yes! They can be game-changers for staying organised:

Pet Profile Form: Everything about your dog, from favourite treats to “don’t let him near that one cat on the corner.”
Emergency Contact Form: Essential numbers in case of an “uh-oh” moment.
Daily Walk Report Form: A quick note about what happened on the walk—how far, any incidents, or just a “he was an angel today!”
Authorisation Form: Let’s the walker take your pup to the vet if there’s a real emergency.

11. Optional Add-Ons

Sometimes it’s nice to have extras available:

Weekend or evening walks.
Pet sitting or overnight stays.
Grooming, training, or trips to the vet or daycare.
Outline these in the contract with costs and terms.

12. Confidentiality Clause

If your walker needs access to your home or has your key, a confidentiality clause is a good idea. It keeps private stuff private—simple as that.

13. Termination Clause

If things aren’t working out, what’s the process for ending the agreement? Include a notice period so everyone’s on the same page.

14. Signatures

Finally, both parties need to sign and date the contract.

Other things to think about

A solid dog walking contract should cover more than just the basics. To make sure everything runs smoothly—even when the unexpected happens—here are a few additional points to think about. These might seem minor at first glance, but they can save a lot of stress down the line.

Back-Up Plans

Life happens. You could get sick, take holidays, or face emergencies just like anyone else. It’s important to have a plan in place for those days when you become unavailable. Addressing this upfront in the contract can prevent last-minute panic.

Include a Backup Walker: Do you have someone they trust to step in when needed? If so, make sure this person is introduced to the owner and dog beforehand.
Owner as the Backup: If no replacement walker is available, will the owner step in? Agreeing on this from the start avoids confusion.

Having this contingency spelled out means your dog won’t miss out on their daily walks, even if something unexpected happens.

Photo Permission

We all love adorable dog photos, but not everyone is comfortable with their pet’s pictures being shared online. If you are active on social media or use client testimonials for marketing, make sure you address this in your contract.

Permission to Share: Confirm owners are happy for you to post snaps of your pup, you can specify that in the contract.
Opting Out: If they’d prefer to keep things private, that’s fine too. Just include a clause that politely states no photos of your dog should be shared online.

This small detail can prevent awkward conversations or misunderstandings later.

Behavioural Issues

Not all dogs are easy walkers. Whether it’s pulling on the lead, barking at strangers, or lunging at squirrels, some behaviours can make walks a bit more challenging. Including a section in the contract about managing these situations helps set realistic expectations for both parties.

Behaviour Disclosure: Owners should be upfront about their dog’s quirks or triggers. For instance, does your dog get anxious in busy areas or react poorly to other dogs?
What if it’s unmanageable? Agree on a plan if the dog’s behaviour becomes too difficult for the walker to handle safely. This could include:
- Pausing walks until a behaviourist or trainer is involved.
- Adjusting the route or walk duration to minimise triggers.
- Terminating the contract if the situation poses a risk to the walker, the dog, or others.

By addressing this early, you create a safer environment for everyone involved.

Get Pet Business Insurance from Protectivity

Accidents, injuries, or property damage can occur during walks, and insurance covers medical expenses, legal fees, and potential compensation. This safeguards both your business and the pet owner’s peace of mind, ensuring responsible and secure care for their beloved pets.

Protectivity’s dog walking insurance gives a range of policy options, so you can choose the best level of cover for your needs. Our pet business policy gives between £1m and £10m worth of cover for your business if members of the public are injured, or their property is damaged. Key cover totals up to £10,000 for costs such as new keys and replacement locks, while our care, custody and control policy comes with up to £100,000 worth of cover if animals in your care are lost, injured, become ill or suffer a death. You can also protect your equipment with £250 worth of cover, along with a range of other options and benefits.

Get Pet Business Insurance from Protectivity

Last updated by

11:29:34 GMT • 10 December 2024

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

Common risks and hazards faced by tradesmen: tips to stay safe on the job

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

28 November 2024

•

11 mins read

Contributors

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

Health and Safety at Work Act (1974)

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

The life of a tradesman is both rewarding and challenging, involving physical work, skill, and precision. But it’s no secret that the work also comes with unique risks and hazards that can pose serious dangers if not managed properly.

Whether you work as a sole trader or manage larger construction projects, taking responsibility for risks is going to be essential for a successful job.

This guide will walk through the most common risks faced by UK tradesmen, hidden hazards, practical steps to stay safe, and everything else you need to know about working safely in the trades.

Key risks and hazards faced by tradesmen

Tradespeople face a variety of hazards each day that demand constant awareness and caution. Here’s a look at some of the biggest ones:

Falls from heights

Falls remain a leading cause of injury on worksites, especially for those working on scaffolding, ladders, and roofs. It’s crucial to secure ladders, use guardrails, and always be aware of the distance from the ground.

Electrical hazards

Electricians, plumbers, and general contractors face electrical risks when working around live wires, faulty wiring, and unmarked cables. Checking for power sources, using insulated tools, and wearing appropriate protective gear is essential.

Hazardous materials exposure

From asbestos to silica dust, tradesmen often work around materials that can cause long-term health issues if inhaled or touched. Proper handling, PPE, and following safety guidelines are necessary to avoid exposure.

Heavy machinery and tools

Power tools, saws, and heavy machinery are part of the job, but they carry serious risks of cuts, fractures, and other injuries. Regular training on safe handling and maintenance is crucial.

Confined spaces

Working in cramped spaces can limit movement and ventilation, leading to risks like oxygen deficiency and even entrapment. Trades like plumbing, HVAC, and electrical work often involve confined spaces, so training and supervision are key.

Repetitive motion and musculoskeletal disorders

Jobs requiring repetitive movements, like painting, tiling, and carpentry, can lead to strain and musculoskeletal disorders over time. Regular breaks and proper lifting techniques can help reduce strain injuries.

Hidden and overlooked risks

Not all hazards are obvious. Some less-visible risks can still have a major impact on health and safety over time:

Noise exposure

While many are aware of the dangers of loud environments, not everyone realises that long-term exposure can lead to permanent hearing loss. Hearing protection is a must, especially on busy or loud construction sites.

Mental health and stress

Trades can be physically exhausting, but the mental toll is often overlooked. Long hours, unpredictable schedules, and job insecurity can lead to stress and anxiety, which can affect overall well-being. Access to mental health support and learning to balance work-life pressures are essential for staying healthy on the job.

Vibration exposure

Constant use of power tools that vibrate, like drills and saws, can lead to hand-arm vibration syndrome (HAVS) or “vibration white finger.” Taking breaks and using anti-vibration gloves can help.

Slips, trips, and falls on the same level

While falls from heights are often highlighted, falls on the same level due to tripping hazards or slippery surfaces are also a common risk. Keeping workspaces tidy and marking hazards can prevent these accidents.

Exposure to weather extremes

Working outdoors exposes tradesmen to heat, cold, and rain, which can lead to dehydration, frostbite, and other health issues. Dressing appropriately for the weather and taking breaks is essential for outdoor jobs.

Contractor risks: protecting property, plant, and tools

While personal safety is paramount, tradesmen must also consider the risks to the property they’re working on, as well as the tools, equipment, and plant machinery they rely on. Here are some of the common contractor risks and how to mitigate them:

Damage to client property

Whether it’s accidental damage to walls, flooring, or fixtures, even small mishaps can be costly and impact client relationships. Maintaining a clean and organised work area, using protective coverings, and taking care during movements can help reduce these risks. Liability insurance can also protect against potential claims for accidental property damage.

Plant and equipment theft

With high-value tools and machinery left on-site, theft is a serious risk, particularly on unsecured construction sites. Keeping an inventory of tools, using secure storage containers, and investing in anti-theft measures like tracking devices can deter theft. Ensuring tools and equipment are covered by insurance is also critical, why is why we offer tradesman’s tool insurance.

Equipment damage

Heavy machinery and specialist equipment can be easily damaged if not handled or stored properly. Conduct regular maintenance checks, follow manufacturer guidelines, and avoid lending tools to untrained staff. For plant machinery, ensuring only qualified operators are on hand can help prevent costly repairs and times it’s not operational.

Fire and environmental hazards

Working with flammable materials or near electrical sources poses fire risks, and materials like paints, solvents, or chemicals can lead to environmental hazards. Proper storage, regular inspection of hazardous materials, and having fire extinguishers on-site are essential safety steps.

Accidental utility damage

Inadvertent damage to water pipes, gas lines, or electrical conduits is common, especially during renovations or excavations. Reviewing site plans before starting work, conducting thorough checks for utility locations, and working with experienced contractors can help avoid these costly incidents.

Business risks: managing financial and operational risks

Running a trade business isn’t just about doing quality work – it also means managing business risks that can impact your financial stability and reputation. Here’s a look at some of the key business risks tradesmen face:

Financial loss from uninsured damages or liabilities

Unforeseen events like property damage, injury, or theft can be financially devastating without the right insurance. Public liability insurance, professional indemnity, and tool insurance can help protect against major financial losses that could harm the business.

Cash flow challenges

Tradesmen often face cash flow challenges due to delayed payments, unexpected expenses, or seasonal downturns. Implementing clear invoicing procedures, setting up deposits, and managing expenses can help stabilise cash flow. Considering business financing options or lines of credit can provide a buffer during lean periods.

Project delays and contract penalties

Delays due to weather, supply chain issues, or unexpected repairs can lead to missed deadlines, affecting cash flow and client satisfaction. Keeping realistic project timelines, communicating proactively with clients, and working with reliable suppliers are essential strategies. Additionally, understanding contract terms and potential penalties is crucial to avoid costly misunderstandings.

Reputation and client relationships

Reputation is everything in the trades, where word-of-mouth and online reviews can make or break a business. Miscommunications, missed deadlines, or quality issues can harm your standing. Maintaining strong communication, following up with clients, and addressing complaints quickly and professionally can help protect your reputation.

Regulatory compliance and legal risks

Not adhering to health and safety standards, employment regulations, or industry guidelines can lead to legal trouble and hefty fines. Keeping up-to-date with relevant regulations, maintaining proper documentation, and conducting regular compliance audits can help avoid legal headaches.

Cybersecurity risks

As more tradesmen manage client communications, invoices, and schedules online, cybersecurity has become a real concern. Phishing attacks, data breaches, and fraud are increasingly targeting small businesses. Using secure payment systems, implementing password protections, and staying vigilant against phishing can reduce your exposure to cyber threats.

Steps to reduce risks and promote safety

Minimising risks on the job isn’t just about compliance – it’s about ensuring everyone gets home safely at the end of the day. Here are some practical steps to stay safe:

Use of personal protective equipment (PPE)

Proper PPE, including hard hats, gloves, high-visibility vests, ear protection, and dust masks, is essential for safety. PPE may vary depending on the job, but it should always be in good condition and fit properly.

Training and certifications

Regular training on equipment uses and hazardous materials is vital. It’s also a good idea to keep up-to-date with certifications, especially for operating heavy machinery and handling dangerous substances.

Regular equipment checks and maintenance

Regular checks ensure that tools and machinery are safe to use. Malfunctioning equipment can lead to serious accidents, so keeping everything in working order is crucial.

Hazard awareness and site preparation

A safe workspace starts with a tidy site. Keeping walkways clear, marking off hazards, and setting up a safe workspace can prevent many accidents.

Health monitoring and ergonomic practices

Regular health checks can identify early signs of strain or illness, and practicing good ergonomics – like lifting with the legs and not the back – can prevent injuries.

Mental health resources

Staying mentally healthy is just as important as physical safety. Access to mental health support, a good work-life balance, and a supportive team can make a big difference.

Common workplace accidents among tradesmen

Understanding the most common types of accidents can help tradesmen know where to focus safety efforts:

Falls from ladders or scaffolding

Make sure ladders and scaffolding are secure, placed on level ground, and that safety measures are in place.

Cuts and lacerations

Injuries from tools and machinery are common. Always use tools as intended, wear gloves when needed, and keep tools sharp to reduce risk.

Electrical shocks and burns

De-energise circuits when working around electricity, use insulated tools, and check for exposed wires to avoid electrical accidents.

Material handling injuries

Lifting heavy objects is common, but back injuries are avoidable with good lifting practices. Ask for help with heavy loads or use equipment like dollies when available.

Burns and chemical exposure

From hot surfaces to harmful chemicals, burns and exposure injuries are common but avoidable. PPE and proper training in chemical handling are essential.

Legal requirements and UK regulations

Understanding the legal landscape can help tradesmen stay compliant and avoid penalties:

This act outlines the responsibilities of both employers and employees to ensure safe working conditions. Employees have the right to a safe environment and should report hazards promptly.

Construction (Design and Management) Regulations (CDM 2015)

These regulations govern the planning and management of safety on construction sites, emphasising risk prevention from project start to finish.

HSE guidelines and inspections

Following the Health and Safety Executive’s (HSE) recommendations can help tradesmen and businesses stay compliant with UK law and avoid accidents.

FAQs on safety, risks, and hazards for tradesman

What PPE is mandatory for tradesmen in the UK?

PPE requirements vary, but common items include hard hats, gloves, high-visibility clothing, and hearing and respiratory protection, depending on the nature of the job.

How can I minimise long-term health risks as a tradesman?
Regular health checks, wearing proper PPE, practicing good posture, and taking breaks all help to prevent long-term injuries and illnesses.

How can I report unsafe conditions on my job site?
Report unsafe conditions to your supervisor or manager. If necessary, you can also report to the HSE, which allows for anonymous reports of dangerous work environments.

Are there mental health resources available for tradesmen?
Yes, many organisations provide support for mental health in the trades. Talking to a supervisor or seeking professional help can make a big difference.

Working safely as a tradesman takes awareness, preparation, and ongoing education. By following recommended practices, staying up-to-date on legal requirements, and taking care of both physical and mental health, tradesmen can help create a safer workplace for everyone involved.

Remember: safety isn’t just about compliance – it’s about making sure you, and those around you, get home safely each day.

Get Tradesman Insurance from Protectivity

Whatever circumstances you work as a tradesperson; it is highly likely you will be faced with hazards and risks at some point on the job. Even by following process correctly, however good and experienced you are things can go wrong. So, it makes sense to be prepared from mistakes, incidents and accidents that you are responsible for.

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

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

Get Tradesman Insurance from Protectivity

Get tradesman insurance from Protectivity

Last updated by

14:33:48 GMT • 23 January 2025

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

Laws for Selling Handmade Crafts in the UK

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

6 June 2024

•

10 mins read

Contributors

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

Intellectual Property Office (IPO)

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

Selling crafts in the UK as never been simpler with the ease of accessing supplies and ability to sell your wares online. However, as your success grows it’s important not to ignore the rules that have been put in place to protect customers and take responsibility for the laws you must follow.

Whether you’re a new crafter just starting out, selling informally, and transitioning to more formal operations or an experienced artisan looking to expand your business, navigating the legal landscape is an important milestone for your success and the safety of your customers.

In this blog we explore the essentials of selling crafts in the UK from general laws to be aware of to more specific product compliance and regulation, helping you build a thriving, legally compliant craft business.

Selling Handmade Candles

Product Safety

When selling candles in the UK, it is crucial to ensure you meet general product safety regulations to protect consumers from harm. Key aspects include:

General Product Safety Regulations (GPSR) 2005

Candles must comply with the General Product Safety Regulations (GPSR) 2005, ensuring that they are safe for use and do not pose a risk to health and safety.

Risk Assessment

Conduct a thorough risk assessment to identify potential hazards associated with your candles, such as fire risk, toxicity, and stability. Provide clear and comprehensive safety information, including instructions for safe use and warnings about potential hazards.

Labelling Requirements

Candles must comply with the Classification, Labelling, and Packaging (CLP) Regulation (EC) No 1272/2008, which aligns with the Globally Harmonized System (GHS) of classification and labelling of chemicals. These include:

Hazard Symbols

Candles must display appropriate hazard pictograms if they contain substances that could pose risks, such as flammable materials or harmful fragrances.

Signal Words

Use signal words like “Warning” or “Danger” to indicate the level of hazard.

You should include hazard statements, which are standardised phrases that describe the nature and severity of the hazard, such as “May cause an allergic skin reaction” or “Keep away from heat, sparks, open flames, and hot surfaces.”

Precautionary Statements

Provide precautionary advice on how to minimize or prevent adverse effects. For instance, “Keep out of reach of children” and “Use only in well-ventilated areas.”

Testing

Proper testing of candles is essential to ensure they are safe for consumers. Important tests include:

Burn Testing:

Conduct burn tests to check for proper wick performance, flame stability, and the absence of excessive smoke or soot. This helps ensure that candles burn safely and efficiently without causing hazards.

Wick Size and Type:

Test different wick sizes and types to ensure they are appropriate for the candle size and wax type, providing a clean, even burn.

Burn Time:

Measure the burn time to ensure it aligns with the labelled burn time and that the candle burns consistently throughout its lifespan.

Fragrance Load Testing:

Ensure that the fragrance load is safe and does not emit harmful levels of volatile organic compounds (VOCs).

Fragrance Concentration:

Test the concentration of fragrances to avoid levels that could be toxic or cause irritation.

Allergenic Potential:

Assess the potential for fragrances to cause allergic reactions and ensure appropriate labelling if necessary.

Record Keeping:

Maintain detailed records of all tests conducted, including methodologies, results, and any corrective actions taken. These records are important for demonstrating compliance with safety regulations.

Craft Food Safety Regulations

Registering as a Food Business

When you start a food craft business in the UK, it’s mandatory to register with your local authority.

You must register your food business at least 28 days before you start trading. This can be done online through the local council’s website. After registration, your premises will be inspected by environmental health officers to ensure compliance with food safety standards. Regular inspections will follow to maintain compliance.

Food Hygiene Regulations

Ensuring food hygiene is critical for protecting public health and complying with the law. You will be expected to follow these regulations:

Premises Cleanliness:

Maintain high standards of cleanliness in all areas where food is handled. This includes regular cleaning and sanitizing of surfaces, equipment, and storage areas.

Personal Hygiene:

Anyone handling food must adhere to strict personal hygiene practices, such as wearing clean clothing, washing hands frequently, and avoiding handling food when ill.

Food Safety Management System:

Implement a food safety management system based on Hazard Analysis and Critical Control Points (HACCP). This involves identifying potential hazards, establishing control measures, and maintaining records to ensure food safety.

Temperature Control:

Store food at safe temperatures to prevent the growth of harmful bacteria. This includes proper refrigeration for perishable items and monitoring cooking temperatures.

Pest Control:

Implement measures to prevent pest infestations, such as regular inspections and maintaining a clean environment.

Labelling of Allergens

Correct labelling is essential to inform customers about potential allergens in your food products. The FSA can advise on the exact details, but it will involve including (but not limited to):

Allergen Information:

14 major allergens present in your food products. These allergens include peanuts, tree nuts, milk, eggs, fish, crustaceans, molluscs, soybeans, cereals containing gluten, sesame seeds, celery, mustard, lupin, and sulphur dioxide.

Ingredient Listing:

List all ingredients in descending order of weight, with any allergens highlighted (e.g., in bold or a different colour).

Advisory Statements:

Use advisory statements like “may contain traces of…” if there is a risk of cross-contamination with allergens.

Food Safety Training Courses

To ensure that you and your staff handle food safely and comply with legal requirements, it’s important to undertake food safety training. Recommended courses include:

Level 2 Food Hygiene and Safety for Catering:

This basic course covers essential topics like food safety laws, personal hygiene, and controlling food safety hazards. It’s suitable for anyone handling food.

Level 3 Supervising Food Safety in Catering:

Designed for supervisors and managers, this course provides more in-depth knowledge on implementing and monitoring food safety practices.

HACCP Training:

Courses on HACCP principles are essential for understanding and applying this critical food safety management system.

Allergen Awareness Training:

Specialist training focused on managing allergens in a food business, understanding labelling requirements, and preventing cross-contamination.

What is CLP Compliant?

CLP (Classification, Labelling, and Packaging) compliance is a regulatory framework designed to ensure that hazardous substances and mixtures are classified and labelled correctly to inform users of potential risks. This is especially relevant for crafters selling items that may contain chemicals, such as handmade candles, soaps, and cosmetics.

What is Hallmarking?

Hallmarking is a legal requirement in the UK for items made from precious metals, such as gold, silver, platinum, and palladium, to ensure their authenticity and quality. It involves testing the metal content of items and marking them with a series of official marks. This process helps to protect consumers from fraud and guarantees the purity of the metal.

Hallmarking Process

Craftspeople and businesses must register with one of the four UK Assay Offices: London, Birmingham, Sheffield, or Edinburgh. Upon registration, you will receive a unique sponsor’s mark (maker’s mark), which will be used on all your hallmarked items.

Toy Safety Requirements

The Toys (Safety) Regulations 2011 sets stringent safety requirements for toys sold in the UK. This directive ensures that toys are safe for children and do not pose health hazards. Toys must be designed and manufactured to meet essential safety requirements covering physical, mechanical, chemical, electrical, hygiene, and radioactivity aspects.

Cosmetic Craft Safety Regulations

The Cosmetic Regulation (EC) No 1223/2009 sets the standards for cosmetic products sold within the UK. This regulation ensures that cosmetics are safe for human health, labelled correctly, and marketed in a way that does not mislead consumers.

Official Resources for Crafters

Government Websites

Gov.uk

Selling goods and services: This section provides information about consumer rights and the responsibilities of businesses when selling goods and services.

Protecting your designs: This resource offers guidance on how to protect your craft designs through intellectual property rights.

HM Revenue & Customs (HMRC)

Business tax: self-employed: This page details the tax obligations for self-employed individuals, which is relevant for craft sellers.

Professional Bodies and Associations

The Craft Council

https://www.craftscouncil.org.uk/

The Craft Council offers resources, exhibitions, and advice for craft makers.

Association for Contemporary Jewellery (ACJ)

https://acj.org.uk/

ACJ supports contemporary jewellers with resources, networking opportunities, and exhibitions.

The Heritage Crafts Association

https://www.heritagecrafts.org.uk/

This association focuses on preserving traditional crafts and provides support and advocacy for craftsmen and women.

Additional Useful Links

Business Companion

https://www.businesscompanion.info/

Guidance for craft businesses

Business Companion offers in-depth advice on trading standards and regulations for small businesses, including those selling crafts.

Regulations for Selling at Craft Fairs

Obtain Necessary Permits or Licenses from Local Councils

Before selling at a craft fair, you must check with the local council where the fair is being held to determine if a trading license or permit is required. This varies by location, and some councils might require street trading licenses or market stall permits.

The application process typically involves filling out a form, providing proof of identity and address, and paying a fee. Councils may also require evidence of insurance and compliance with health and safety standards.

Crafters Public Liability Insurance

Public liability insurance is crucial as it protects you against claims if someone is injured or their property is damaged due to your business activities. This type of insurance covers legal fees and compensation costs.

Many craft fair organisers and local councils require proof of public liability insurance before allowing you to set up your stall. It demonstrates that you are prepared to handle potential risks, providing peace of mind to both you and the event organisers.

Health and Safety Regulations for Stall Setup

Risk Assessment: Conduct a risk assessment to identify and mitigate potential hazards associated with your stall. This includes ensuring your setup is stable and safe, electrical equipment is tested and safe to use, and any sharp tools or hazardous materials are properly secured.

Safety Standards: Comply with regulations regarding fire safety, such as having fire extinguishers on hand if necessary, and ensuring clear and unobstructed pathways for emergency exits.

Food Hygiene: If you are selling food items, you must comply with food hygiene regulations, including proper storage, handling, and display of food. Registration with the local environmental health department may also be required.

Get Crafters Insurance with Protectivity

It may seem daunting at first glance, but knowing what you need to comply with the regulations is a necessary safety precaution for your own business, as failing to do so, may also affect your insurance.

Protectivity’s crafters insurance is designed to support you as you grow your new business. Our specialist insurance includes public liability, employers’ liability, products liability and equipment and stock cover.

Securing the right insurance is another sensible step to preserve your brand reputation and protect your finances. Focus on the work you love with the reassurance you are properly protected.

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

Get Crafters Insurance from Protectivity

Get Crafters insurance from Protectivity

Last updated by

09:40:39 GMT • 11 November 2024

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

Dog Grooming Business Legislation: what you need to know

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

15 May 2024

•

10 mins read

Contributors

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

Get Dog Grooming insurance from Protectivity

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

Being on top of the latest business legislation is necessary in any industry, but is dog grooming regulated in the UK? Looking after animals comes with a number of responsibilities from both an expectation from clients and a more legal standpoint, caring for an animal.

When setting up a dog grooming business there are a number of important laws and regulations that are worth being aware of to ensure you’re following best practices and doing things by the book, should you need to make an insurance claim or account for specific activities.

UK Laws for Dog Groomers

Animal Welfare Legislation

The Animal Welfare Act in England and Wales ensures the welfare of animals under human care or supervision. As a dog groomer, you’ll be responsible for the well-being of the animals in your care. Negligence or cruelty can lead to criminal prosecution. Taking steps to minimize risks, such as using equipment correctly and ensuring the safety of the animals during grooming seems obvious.

5 Welfare Needs

Health

Ensuring protection from pain, injury, suffering, and disease. If an animal becomes ill or injured, it should receive appropriate treatment.

Behaviour

Allowing animals to behave naturally for their species. This includes activities like playing, running, digging, jumping, and flying.

Companionship

Housing animals with or apart from other animals as appropriate for their species. For sociable species like rabbits or guinea pigs, companionship with their own kind is crucial. Solitary species like hamsters may need to be housed alone.

Diet

Providing a suitable diet, including feeding appropriately for the pet’s life stage and preventing obesity or malnourishment. Access to fresh, clean water is also essential.

Environment

Ensuring a suitable environment, which includes the right type of home with comfortable resting places, hiding spots, space for exercise, and exploration.

Regulations for dog groomers

When starting a dog grooming business, it’s essential to be aware of various regulations and legislation to ensure compliance with legal requirements and maintain high standards of animal care and safety. Here are some key areas of legislation you should consider:

Business Registration

You’ll likely need to register your business with the appropriate local government authorities and obtain any necessary business licenses or permits to operate legally in your area.

Local Regulations

Check local laws to ensure your business location is viable for commercial purposes and allows for pet grooming services.

Health and Safety Regulations

Dog groomers must comply with health and safety regulations to ensure the safety of both animals and humans in their premises. This includes maintaining a clean and hygienic environment, proper handling of grooming equipment and chemicals, and implementing measures to prevent accidents and injuries.

Handling and Restraint

Understand proper handling and restraint techniques for grooming animals to prevent injuries and ensure their safety and well-being. This may involve following guidelines set by veterinary associations or animal welfare organisations.

Grooming Product Safety

Use grooming products that are safe for animals and comply with relevant regulations, such as restrictions on toxic ingredients or allergens.

Employee Regulations

If you hire employees, be aware of employment laws and regulations related to wages, working hours, employee rights, and workplace safety.

Record-Keeping and Documentation

Maintain accurate records of grooming services provided, client information, veterinary records, and any incidents or accidents that occur during grooming sessions.

Continuing Education and Training

Stay informed about industry best practices, new grooming techniques, and developments in animal care by participating in continuing education programs and training courses.

Customer Contracts and Consent

It’s advisable for dog groomers to have clear terms and conditions outlined in customer contracts, including details of the grooming services provided, pricing, cancellation policies, and liability disclaimers. Obtaining written consent from pet owners before grooming their dogs is also recommended.

Regulations Running a Grooming Business from Home

In the UK, you can run a dog grooming business from home if you have sufficient space and a safe environment. There are no specific licenses for pet grooming establishments, but you should be aware of relevant legislations, especially since you’ll be working with animals.

Regulations Running a Mobile Grooming Business

Transporting dogs for a dog grooming business typically involves adhering to certain rules and regulations to ensure the safety and well-being of the animals, as well as compliance with relevant laws. Here are some considerations regarding the transportation of dogs for grooming:

Vehicle Safety

The vehicle used for transporting dogs should be safe, clean, and properly equipped to accommodate the animals. This may include securing crates or harnesses to prevent dogs from moving around excessively during transit, ensuring adequate ventilation and temperature control, and having appropriate restraints in place to prevent escape.

Dog Kennel Boarding Licensing

If you operate a commercial dog grooming business, you may need a license for dog kennel boarding activities. Consider whether your activity falls under the definition of a business (e.g., making a profit or earning commissions/fees).

Regulatory Bodies for Dog Groomers

It’s advisable to consult with legal professionals, industry associations, and regulatory agencies in your area to ensure full compliance with all relevant laws and regulations when starting and operating a dog grooming business. Additionally, joining professional grooming associations can provide valuable resources, support, and guidance for navigating regulatory requirements and maintaining high standards in your business.

Once qualified, dog groomers may choose to join professional organizations such as the British Dog Groomers’ Association (BDGA) or the Pet Industry Federation (PIF) to access further training opportunities, networking events, and support for their businesses.

Do I need a licence to run a dog grooming business?

Business Licenses and Permits

Apply for any required state and local licenses and permits:

General business license

Pet groomer’s license

Health department permit

In some areas of the UK, dog groomers may be required to obtain a license from the local authority to operate their business. Licensing requirements vary by location and may include compliance with specific standards for animal welfare, hygiene, and facility management.

Do I need a qualification to be a dog groomer?

In the UK, there are various qualifications and certifications available for individuals interested in pursuing a career in dog grooming. These qualifications provide training in grooming techniques, animal care, health and safety, and business management. Some of the most recognized qualifications for dog grooming in the UK include:

City & Guilds Dog Grooming Qualifications

City & Guilds offers a range of dog grooming qualifications, including:

Level 2 Certificate for Dog Grooming Assistants: This qualification covers basic grooming techniques and prepares individuals for entry-level roles in dog grooming salons.

Level 3 Diploma in Dog Grooming: This qualification is suitable for individuals looking to become professional dog groomers. It covers a wide range of grooming techniques, including breed-specific styling, hand-stripping, and scissoring.

OCN London Dog Grooming Qualifications

OCN London offers accredited qualifications in dog grooming, including:

Level 3 Diploma in Professional Dog Grooming: This qualification covers advanced grooming techniques and prepares individuals for a career as a professional dog groomer.

International Certified Master Groomer (ICMG): The ICMG certification is recognized globally and demonstrates advanced skills and expertise in dog grooming. To become an ICMG, groomers must complete a series of practical and written exams.

British Dog Groomers’ Association (BDGA) Qualifications

The BDGA offers a range of training courses and certifications for dog groomers, including:

BDGA Certified Dog Groomer: This certification is awarded to groomers who have completed the BDGA’s training program and demonstrated competency in grooming techniques and salon management.

BDGA Master Groomer: This advanced certification is available to experienced groomers who have completed additional training and demonstrated mastery in grooming skills.

Other Training Providers and Courses: In addition to the above qualifications, there are many private training providers and colleges offering dog grooming courses and certifications. These courses vary in length and content and may lead to qualifications such as diplomas or certificates of completion.

Do I need insurance as a dog groomer?

Protection against claims if a member of the public gets injured.

A dog in your care causes injury to a member of the public; a customer slips and injures themselves on your business premises; you cause accidental damage to your clients’ property whilst delivering your services can all be covered with the right level of public liability cover.

An employee suffers a workplace accident.

Employees may be at risk of accidents or injuries during their work. If you employ people for your business employers’ liability is a legal obligation with fines of £2500 per day for failing to comply.

Vet costs for animals in your care.

Dogs can be unpredictable, and you may accidentally cause an injury during a grooming session, cutting a paw or tail for example. Whilst no one wants harm to come to any animal it’s important to ensure you are covered to get them treatment if accidents happen.

Protect your equipment from costly losses.

Investing in quality tools is likely to be important to your business. Not only could equipment be expensive to replace but any losses could also impact the service you offer. If your grooming equipment becomes damaged, is lost or stolen, dog grooming business cover can help avoid these situations.

Get Dog Grooming Insurance with Protectivity

Protectivity provides comprehensive, affordable dog grooming cover for professionals just like you, whether you’re just starting out or have years of experience. Our policies encompass Public Liability that covers injuries or property damage; Care, Custody and Control cover of up to £100,000 in case a dog gets ill or injured, and up to £30,000 of specialist cover for your equipment. Whether you’re a dog walker or have a different pet business, having the right level of cover is essential.

With our insurance, available through flexible payment plans, you can groom dogs with confidence that an accidental error won’t hit you in the pocket. Find out more on our dog grooming policy here.

Get Dog Grooming Insurance from Protectivity

Last updated by

12:03:47 GMT • 14 November 2024

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

How to get a CSCS Card

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

1 May 2024

•

11 mins read

Contributors

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

Get Builders insurance from Protectivity

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

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

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

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

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

What is a CSCS card?

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

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

Who needs a CSCS card?

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

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

Who doesn’t need a CSCS card?

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

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

What CSCS card do I need?

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

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

The types of CSCS card are:

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

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

Cost of CSCS card

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

Can I get my CSCS card online?

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

How to apply for a CSCS card

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

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

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

How to renew the CSCS Card

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

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

How to get a blue CSCS card without a NVQ

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

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

Get builders insurance with Protectivity

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

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

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

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Last updated by

10:07:57 GMT • 16 December 2024

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

New UK laws for Professional Dog Walkers

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

24 April 2024

•

9 mins read

Contributors

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

Get Dog Walking insurance from Protectivity

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

Dog walking in the UK is a popular and rewarding profession, but it comes with a set of legal responsibilities and regulations to ensure the safety and well-being of both dogs and the public.

In this comprehensive guide, we will delve into the laws governing dog walking in the UK, covering topics such as legal responsibilities, specific acts, regulations for different regions, rules and general regulations in 2024, licensing requirements, qualifications, insurance, and best practices.

What are my legal responsibilities as a dog walker?

Professional dog walkers in the UK must adhere to various laws and regulations to ensure the safety and welfare of the animals in their care and the public. Understanding these legal responsibilities is crucial for maintaining a reputable and responsible dog walking business. Breaking the law will obviously come with severe penalties from fines to time in prison.

Control of dogs Act

The Control of Dogs Act 1992 requires dog owners and walkers to ensure that their dogs are under control in public spaces. This means having the ability to recall the dog and prevent it from causing a nuisance or harm to others. Dog walkers must also be aware of their surroundings, other animals, and people to avoid potential conflicts.

Dangerous Dogs Act

The Dangerous Dogs Act 1991 was enacted to address issues related to dangerous dogs and dog attacks. It bans certain breeds and imposes strict regulations on the ownership and handling of dogs, particularly those considered dangerous. Dog walkers should be aware of these restrictions to avoid legal complications.

Dog Fouling

Dog fouling is a common concern, and the law requires dog walkers to clean up after the dogs in their care. The Clean Neighbourhoods and Environment Act 2005 empowers local authorities to issue fixed penalty notices for failure to clean up dog waste. Responsible dog walkers carry waste bags and dispose of them properly.

Animal Welfare 2006

The Animal Welfare Act 2006 is a comprehensive piece of legislation covering the welfare of animals. Dog walkers must ensure that the dogs they walk are provided with adequate food, water, shelter, and veterinary care. They must also be protected from pain, suffering, injury, and disease.

Regional Differences in Laws and Regulations

Each region – England, Scotland, Wales, and Northern Ireland – has its own set of laws and regulations governing dog walking. While there are overarching UK laws, it is essential for dog walkers to be aware of specific regional differences.

England:

The Clean Neighbourhoods and Environment Act 2005 is particularly relevant, as it empowers local authorities to address dog fouling issues.

Scotland:

Scottish dog owners and walkers may need to comply with the Dogs (Protection of Livestock) Act 1953, which holds them responsible for preventing dogs from worrying livestock.

Wales:

Wales introduced the Animal Welfare (Electronic Collars) (Wales) Regulations 2010, prohibiting the use of electronic collars on dogs.

Northern Ireland:

The Dogs (Northern Ireland) Order 1983 imposes controls on certain breeds and requires dogs to be kept under control in public places.

What are the rules and regulations for dog walking in 2024?

As of 2024, there are several important rules and regulations that dog walkers in the UK must be aware of to operate legally and responsibly.

Wearing a collar and tag

The Control of Dogs Order 1992 mandates that dogs in public places must wear a collar with an identification tag bearing the owner’s name and address. This rule is essential for reuniting lost dogs with their owners.

Walking dogs off the lead

While many areas allow dogs to be off the lead, it is crucial for dog walkers to have full control over the animals in their care. Dogs must be well-behaved and respond to voice commands to ensure the safety of the public and other animals.

Transporting other owners’ dogs

When transporting dogs in a vehicle, the law requires secure and safe transportation. Dogs should not be left unattended in vehicles, especially in extreme weather conditions.

As a dog walker there are important transportation rules for taking dogs in the car. Having them correctly secured is a legal requirement.

Do you need a licence to walk dogs in the UK?

As of 2024, there is no specific license required to walk dogs in the UK. However, if you operate a business that offers dog walking services, you may need to check with your local council regarding any specific requirements or regulations. Some councils may have their own licensing or registration processes to ensure the safety and well-being of animals.

Do you need a qualification to walk dogs in the UK?

While there is no legal requirement for a specific qualification to become a dog walker in the UK, gaining relevant knowledge and skills is highly recommended. Various qualifications are available to enhance your understanding of dog behaviour, first aid, and responsible dog handling.

Qualifications Available:

Canine First Aid Courses: These courses teach essential first aid skills specific to dogs, ensuring that dog walkers can respond appropriately to emergencies.
Professional Dog Walker Courses: These comprehensive courses cover a range of topics, including dog behaviour, pack management, and business skills.
Dog Behaviour and Training Courses: Understanding dog behaviour is crucial for effective communication and managing dogs in a group setting.

Do I need insurance as a professional dog walker?

While not a legal requirement, having insurance is strongly recommended for professional dog walkers. Public liability insurance can provide coverage in case a dog in your care causes injury or damage to third parties or their property. Additionally, it may be beneficial to have insurance that covers veterinary expenses for dogs in your care.

Dog walking responsibility and best practices

To maintain a successful and ethical dog walking business, it is essential to adhere to certain responsibilities and best practices.

Dog walkers should be mindful of their impact on the environment. This includes cleaning up dog waste, keeping dogs on designated paths, and avoiding sensitive wildlife habitats. Dogs should be well-behaved in public spaces to ensure the safety and comfort of other people. Dog walkers must take steps to prevent their dogs from causing a nuisance or distress.

Stay on Designated Paths:

When walking your dog, stick to established trails and paths. Straying off the route can disturb wildlife and damage fragile habitats1.

Keep Dogs Under Control:

Ensure your dog is under control at all times. Use a leash where required, especially in sensitive areas. Even well-behaved dogs can unintentionally impact wildlife.

Pick Up After Your Dog:

Always clean up after your dog. Carry waste bags and dispose of them properly. Dog waste can introduce harmful bacteria and nutrients into the environment.

Avoid Wildlife Disturbance:

Even if your dog is on a leash, its presence can affect wildlife. Bird species, in particular, may be significantly impacted by the mere presence of dogs. Keep a respectful distance from wildlife and nesting sites.

Be Mindful of Livestock:

Uncontrolled off-leash dogs can harm livestock. Attacks on sheep and other animals have been reported on nature reserves.

Choose Responsible Walking Areas:

Some nature reserves allow dogs on short leads in specific areas. Research and choose dog-friendly locations that balance enjoyment with wildlife protection.

Minimize Group Walks:

Walking dogs in groups increases the risk of disease transmission. Not all dogs get along, so ensure amicable interactions and minimise the spread of disease.

Leash Control:

Keep your dog on a leash in public areas, especially near roads, playgrounds, and crowded spaces. This prevents accidental collisions and ensures everyone’s safety.

Friendly Behaviour:

Train your dog to be friendly and well-behaved around people. Socialize them from an early age to reduce anxiety and aggression.

Ask Permission:

Always ask before allowing your dog to approach someone. Not everyone is comfortable around dogs, and some people may have allergies or fears.

Pick Up Waste:

Clean up after your dog promptly. Nobody wants to step in dog waste, and leaving it behind can create a negative impression.

Avoid Jumping:

Train your dog not to jump on people. Excited jumping can be intimidating or even dangerous, especially for children and elderly individuals.

Respect Personal Space:

Teach your dog to respect personal boundaries. Avoid letting them invade someone else’s space without permission.

Be Mindful of Children:

Some children may be scared of dogs. Always supervise interactions and ensure your dog behaves gently around kids.

What are the penalties and fines in the UK?

Failure to comply with the relevant laws and regulations can result in penalties and fines for dog walkers in the UK. Penalties may vary depending on the nature and severity of the offense. Common penalties include fixed penalty notices for dog fouling, fines for dogs not wearing identification tags, and potential legal consequences for incidents involving dangerous dogs.

Get specialist Dog Walking Insurance with Protectivity

Dog walking insurance is crucial for professional dog walkers, as it provides financial protection against unforeseen incidents. Accidents, injuries, or property damage can occur during walks, and insurance covers medical expenses, legal fees, and potential compensation. This safeguards both your business and the pet owner’s peace of mind, ensuring responsible and secure care for their beloved pets.

Protectivity’s dog walking insurance gives a range of policy options, so you can choose the best level of cover for your needs. Our pet business insurance gives between £1m and £10m worth of cover for your business if members of the public are injured, or their property is damaged. Key cover totals up to £10,000 for costs such as new keys and replacement locks, while our care, custody and control policy comes with up to £100,000 worth of cover if animals in your care are lost, injured, become ill or suffer a death. You can also protect your equipment with £250 worth of cover, along with a range of other options and benefits.

Get Dog Walking Insurance from Protectivity

Last updated by

11:39:31 GMT • 14 November 2024

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

How to Register as Self Employed

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

13 February 2024

•

10 mins read

Contributors

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

Get small business insurance from Protectivity

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

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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Last updated by

09:40:40 GMT • 11 November 2024

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

A Guide to Health and Safety for a Small Business

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

26 January 2024

•

8 mins read

Contributors

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

Get small business insurance from Protectivity

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

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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Last updated by

09:40:40 GMT • 11 November 2024

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

What is Employers’ Liability Insurance?

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

22 May 2023

•

6 mins read

Contributors

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

Bee Ingram

My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.

If you employ any members of staff – or you’re starting a business where you will be – then employers’ liability insurance is one of the most important things you need to secure. Not only is it required by law, but it gives you vital protection if somebody who works for you gets hurt or ill while on the job. It’s one of a number of insurance protections that, in the event of a big claim being made against you, can make the difference between whether your business survives afterwards or not.

This guide tells you all the key facts you need to know about employers’ liability insurance, including what’s covered, whether or not you might be exempt, and how much you can expect to pay.

Is employers’ liability insurance a legal requirement?

Yes. If you employ at least one person other than yourself, then you must have a valid employers’ liability policy in place, as stated by the Employers’ Liability Act 1969. This also includes any self-employed contractors that you use the services of, any temporary staff, as well as apprentices, volunteers, trainees and those on work experience.

The penalty for non-compliance is extremely severe: for each day that you aren’t covered, you will be fined £2500 per employee.

Beyond this, you may also find that proof of cover will also be inspected by many partner businesses, organisations and clients you want to work with – similar to the requirement to have public liability insurance.

What does employers’ liability insurance cover?

Employers’ liability insurance covers the cost of any compensation claims by employees, as a result of them getting injured or ill as a result of their work. If they suffer any financial loss as a result of their working activities – including if they are working from home – then they have the right to be compensated by you as their employer. If you have employer’s liability insurance in place, then your insurer will take care of all the bills generated (minus any excess you are required to pay, as set out in your policy).

This type of insurance can also cover injuries caused by employees to third parties like customers. For example, if an employee drops a heavy item onto a customer and causes an injury, then your business could be subject to a claim. This doesn’t even necessarily have to be a customer: it also applies to any member of the public, such as a pedestrian who trips over a sandwich board outside the front door of your premises.

Why do you need employers’ liability insurance?

Apart from the fact that it’s required by law, employers’ liability insurance is important because of the sheer scale of how much a compensation claim can cost you.

If an employee is forced out of work because of illness or injury that you’re responsible for – especially if the layoff is lengthy or even permanent – then the bill can run into many thousands of pounds. This is not only due to lost income from time off work, but also any medical bills incurred by the injured party, as well as the legal expenses of defending the claim.

Many larger businesses with high-value turnovers are often able to absorb this cost without resorting to employers’ liability insurance. But smaller operations will find it much more difficult to do so, and the ongoing viability of the business can be thrown into doubt by just one large claim. For sole traders and partnerships that don’t have the protection of limited liability, it could even put homes at risk because of the debt involved.

How much does employers’ liability insurance cost?

Naturally, there is some variation on how much a policy will cost, depending on the number of employees you have. If you’re a small operation with only one or two employees, you will face a much smaller bill than a bigger company with a much larger workforce. The amount of time that your business has been operating, the nature of your business, and the level of risk that your employees are exposed to will also influence your quotes, too.

The cheapest premiums can come in at less than £50 a year (around £4 a month if paying through a flexible payment plan), but this can run into the hundreds for riskier types of work where the chance of a claim is higher.

Who is exempt from needing employers’ liability insurance?

Obviously, if you are self-employed and work entirely on your own, then you don’t need employers’ liability insurance – you don’t have any employees to protect, and your own protection would come from personal accident insurance instead. This also applies if your business is a partnership, and there are no employees other than you and your partner(s).

If your company only employs people who are directly related to you, then you are also exempt from the legal requirement to have employers’ liability insurance. However, we recommend taking a policy out anyway, as you will still be vulnerable for a compensation claim, just as you would be from anyone else that you employ.

Get employers’ liability insurance with Protectivity

Whether you’re running a large enterprise like a gym with dozens of staff, or a small nail salon with just one other employee, taking out employer’s liability insurance is essential. But whatever your business, Protectivity has the right cover for you.

We have years of experience in providing comprehensive policies for sports, leisure and beauty businesses, encompassing employer’s liability cover. Combined with other types of insurance, including public liability, personal accident, equipment cover, professional indemnity and more, you can grow your business in the confidence that you won’t end up out of pocket if the unforeseen happens.

Our flexible payment plans and affordable rates mean many of our policies cost just a few pounds a month. Find the right policy option for your enterprise by exploring our full range.

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