Category: Trades

*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 Information is factually accurate at the time of publishing but may have become out of date.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

11:27:12 BST • 22 April 2025

How much to charge as a gardener

23 April 2025

•

8 mins read

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

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

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

How much do gardeners earn?

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

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

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

How much do gardeners charge on average in the UK?

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

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

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

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

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

Average hourly rate for gardeners

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

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

Average day rate for gardeners

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

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

Considerations in how much to charge as a gardener?

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

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

Understand your costs

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

Research the market

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

Reflect your experience and skill

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

Consider demand and availability

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

Include a profit margin

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

Set a minimum charge for small jobs

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

Review rates regularly

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

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

Winter vs. Summer – Seasonal income

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

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

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

Setting up a gardening business & startup cost

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

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

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

Additional pricing considerations

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

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

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

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

Sources:

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

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

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

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

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

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11:39:17 BST • 23 April 2025

How to start a gardening business

16 April 2025

•

10 mins read

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

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

Who should start a gardening business?

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

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

How to start your own gardening business

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

Research and planning

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

Create a business plan

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

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

Legal considerations

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

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

Why you should start a gardening business

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

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

Cost of starting a gardening business

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

Professional gardening tools

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

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

Insurance

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

Marketing and advertising

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

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

Ongoing Costs

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

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

Profitability of gardening

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

What skills do you need?

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

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

Qualifications and licences

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

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

How to register a gardening business

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

Sole trader

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

Limited company

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

Additional considerations

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

Different types of gardening services

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

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

Finding your customers

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

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

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

Get Gardeners’ Insurance from Protectivity

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

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

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

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10:34:37 BST • 22 April 2025

How to become FENSA registered

11 April 2025

•

7 mins read

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If you are a tradesperson involved in the installation of windows and doors in the UK, becoming FENSA approved can be a valuable step for your business. FENSA (Fenestration Self-Assessment Scheme) is a government-authorised certification scheme that ensures installers comply with building regulations for window and door replacements in domestic properties. Gaining FENSA approval allows you to self-certify your work, removing the need for local authority inspections.

In this guide, we will explain what FENSA is, the benefits of becoming certified, the registration process, costs involved, and alternatives available. Whether you are an independent tradesperson or part of a larger business, this blog will help you understand everything you need to know about becoming FENSA registered.

What is FENSA?

FENSA (Fenestration Self-Assessment Scheme) is a government-backed scheme that certifies window and door installations comply with building regulations. It was established in 2002 to ensure that installers meet energy efficiency and safety standards without requiring direct local authority approval for each installation.

When a FENSA-certified installer completes a job, they can issue a certificate to the homeowner, proving that the work meets regulatory standards. This certification not only simplifies compliance for tradespeople but also reassures customers that their installation is legal and energy efficient.

Why is FENSA certification popular with tradespeople?

FENSA certification is widely recognised in the UK construction industry, making it a valuable asset for tradespeople working with windows and doors. The ability to self-certify installations saves time and money by avoiding the need for building control inspections.

Additionally, many homeowners prefer to hire FENSA-approved installers because it gives them confidence that the work will meet the required standards. Displaying the FENSA logo on marketing materials, vans, and websites can help attract more business. Many estate agents and solicitors also request FENSA certificates when selling a property, further increasing demand for certified installers.

Which trades use FENSA the most?

FENSA certification is primarily used by tradespeople involved in the installation of windows and doors in residential properties. The most common professionals who benefit from FENSA approval include:

Glaziers – Specialising in the installation and replacement of glass windows and doors.
Window and Door Installers – Independent contractors or companies fitting PVC, aluminium, and timber frames.
Conservatory fitters – Tradespeople working on conservatories that require compliant window and door installations.
Builders – Those involved in home renovations and extensions often require FENSA registration to ensure compliance.

Any professional who replaces external doors or windows in domestic properties can benefit from becoming FENSA approved.

How to register for a FENSA certificate

The process of becoming FENSA certified is straightforward but requires meeting certain standards. Below is a step-by-step guide:

Check your eligibility – Ensure your business is involved in fitting windows and doors in domestic properties.
Prepare business documents – You will need proof of trading status, relevant insurance, and examples of previous installations.
Apply online – Visit the FENSA website to complete the registration form.
Initial assessment – FENSA will inspect a sample of your work to ensure compliance with building regulations.
Pay the registration fee – Costs vary depending on the size and scope of your business.
Receive approval – Once registered, you can start issuing FENSA certificates and benefit from being listed as an approved installer.

Following these steps ensures that your business is fully compliant and can offer certified installations to customers.

How much does FENSA certification cost?

The cost of becoming FENSA approved varies depending on the size of your business and the number of installations you complete. Typically, fees include:

Initial registration fee – £267.40

Upon application, there is a one-off fee of £267.40 (excluding VAT), which includes the cost of the initial on-site assessment.

Annual membership fee – £172

The yearly registration fee is £172 (excluding VAT), charged annually on 1st January.

Inspection fees

FENSA conducts random checks on installations, which may incur additional charges.
For up to 25 installations per year: Minimum of 1 assessment costing £145.25 (excluding VAT
For 26 to 200 installations per year: Minimum of 2 assessments, totalling £290.50 (excluding VAT
For over 200 installations per year: 1% of all installations assessed, with each assessment costing £145.25 (excluding VAT

*Fees taken from FENSA website 28/3/25

Replacement certificate fees – If a homeowner requires a duplicate FENSA certificate, the cost is £25, including VAT, when ordered online.

The most up to date costs can be found on the FENSA website, but it is important to budget for both the initial registration and any ongoing expenses.

Pros and cons of becoming FENSA registered

Pros:

Legally self-certify window and door installations without needing building control inspections.
Increases credibility and reassures customers about the quality of work.
Saves time and money compared to obtaining local authority approval.
Provides marketing benefits, including the use of the FENSA logo and website listing.
Helps tradespeople comply with government regulations more efficiently.

Cons:

Registration and annual fees add to business expenses.
Initial assessment and ongoing inspections require work to meet strict standards.
Businesses must always comply with FENSA regulations, which may require adjustments to installation methods.

While there are costs and compliance requirements, many tradespeople find that the benefits of FENSA certification outweigh the drawbacks.

Tips for passing the FENSA assessment

To successfully pass the FENSA assessment and maintain certification, tradespeople should:

Ensure all installations meet Building Regulations (Part L), particularly regarding energy efficiency.
Keep records of previous jobs, including materials used and customer details, as proof of compliance.
Maintain valid business insurance and proper documentation.
Stay updated with changes to regulations and consider attending training courses to enhance knowledge.

A proactive approach to compliance will help businesses pass FENSA inspections and maintain a strong reputation in the industry.

Alternatives to FENSA

FENSA is not the only option for self-certifying window and door installations. Other alternatives include:

Certass – Another UK certification body that offers self-certification for window and door installers.
Building Control Approval – Instead of joining a certification scheme, installers can submit applications for local authority inspections, although this is often more time-consuming and costly.
TrustMark and Competent Person Schemes – Additional accreditations that offer consumer protection and credibility.

Depending on the nature of your work and business needs, an alternative certification scheme may be a better fit.

Is it easy to switch to FENSA from another scheme?

Yes, switching to FENSA from another scheme like Certass is relatively straightforward. You’ll need to apply as normal and complete a FENSA assessment, but previous certification can support your application.

Before switching, check for any notice periods or contractual obligations with your current provider. Once approved, you can start issuing FENSA certificates and use the branding in your marketing.

Many tradespeople switch to FENSA for its strong brand recognition and homeowner trust, especially as it’s often requested during property sales.

To sum up…

Becoming FENSA approved is a smart choice for tradespeople working in window and door installation. It provides a recognised certification that simplifies regulatory compliance, boosts credibility, and enhances business opportunities. While there are costs and responsibilities involved, the ability to self-certify installations makes the process more efficient and beneficial for both tradespeople and their customers.

If you are considering becoming FENSA registered, visit the official FENSA website for more information and to start your application. With the right preparation, you can gain certification and enjoy the benefits of being a trusted, compliant installer.

Secure Tradesperson Insurance from Protectivity

At Protectivity, we provide affordable tradesman insurance to cover specific scenarios commonly faced by trades. We have policies available for builders, electricians, carpenters, painters and more, just select your activity when you get a quote.

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

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

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09:16:33 BST • 10 April 2025

How much do tilers make in the UK

10 April 2025

•

10 mins read

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Tiling is an essential trade within the construction industry, with demand across residential, commercial, and industrial projects. Whether laying tiles in a new kitchen, refurbishing a bathroom, or working on large-scale developments, tilers play a key role in creating functional and aesthetically pleasing spaces.

If you’re considering a career in tiling or wondering how much you can earn, we’ve summarised everything from average salaries to self-employment earnings, expenses, and ways to increase your income.

What do tilers offer clients?

Tilers are responsible for installing tiles on walls, floors, and other surfaces using a range of materials, including ceramic, porcelain, natural stone, and mosaics. Their work involves precise measurements, surface preparation, adhesive application, and finishing techniques to ensure a professional and durable result.

Some tilers also specialise in complex designs, waterproofing, and heritage restoration. As tiling is required in homes, businesses, hotels, swimming pools, and more, skilled tilers often enjoy consistent demand for their services.

Are tilers in demand in the UK?

Yes, tilers are in steady demand across the UK, driven by ongoing growth in both the construction and home improvement sectors. From new-build housing developments to renovations, extensions, and commercial fitouts, tiling is a vital finishing trade that remains essential to many types of projects.

Homeowners continue to invest in bathroom and kitchen refurbishments—two areas where professional tiling is crucial for quality, waterproofing, and style. At the same time, developers and contractors require skilled tilers for large-scale residential and commercial projects, including hotels, restaurants, offices, and retail spaces.

There’s also a growing appetite for more complex and design-led tiling work, including large-format tiles, underfloor heating systems, and luxury finishes. This has created opportunities for skilled and experienced tilers to carve out niches and charge premium rates.

With a shortage of skilled tradespeople in some parts of the country, particularly in the Southeast and major urban centres, tilers with strong workmanship and reliability often find themselves with a steady stream of enquiries. The demand is especially high for those who can deliver both functional results and a high-end finish.

Typical career pathway for a tiler

The journey to becoming a professional tiler usually follows a hands-on, skills-based route, often starting with formal training and progressing through practical experience. Here’s an outline of a typical career path:

1. Entry via Apprenticeship or College Course

Most tilers begin their careers through an apprenticeship or a college course in wall and floor tiling. These programmes teach essential skills such as surface preparation, tile cutting, adhesive use, and finishing techniques. Apprenticeships combine classroom learning with real-world experience, typically lasting 2–3 years.

Relevant qualifications include:
- Level 2 or 3 Diploma in Wall and Floor Tiling
- NVQ (National Vocational Qualification) in Tiling

2. Junior or Assistant Tiler

After completing initial training, many tilers start as assistants, working under experienced professionals. This stage allows them to refine their skills, learn how to manage job sites, and gain confidence working independently.

3. Qualified Tiler

Once fully trained, tilers can work independently or as part of a team. They may be employed by building firms, contractors, or specialist tiling companies. At this stage, tilers can take on a wide range of residential and commercial projects and begin to build a portfolio of completed work.

4. Experienced or Specialist Tiler

With several years of experience, tilers often choose to specialise in high-end or technical areas such as:

Natural stone or large-format tiles
Wet rooms and underfloor heating
Heritage tiling and restoration
Commercial or industrial tiling

They may also pursue further qualifications or join trade associations like The Tile Association (TTA) to enhance credibility.

5. Self-employment or business ownership

Many tilers go on to become self-employed, setting up their own business or working as subcontractors. This offers greater control over projects, schedules, and income potential. Some eventually employ other tilers or apprentices, growing their business into a larger operation.

What is the average salary for a Tiler in the UK?

According to recent job market data, salaried tilers typically earn between £25,000 and £35,000 per year. Although, the average salary for a tiler in the UK does vary depending on experience, location, and employment type.

High-demand areas such as London and the Southeast, earnings can be higher. Self-employed tilers, who set their own rates, often have the potential to earn more, depending on the number of jobs they take on.

Average tilers’ salary at different experience levels

Entry-Level Tilers

Those starting out, often through apprenticeships, can expect to earn £18,000–£22,000 per year. Apprentices usually earn a lower wage initially, but earnings increase as skills develop.

An employer cannot pay you below the minimum wage, which, from April 2025, is £7.55 per hour for an apprentice and £12.21per hour for someone over 21 years.

Mid-Career Tilers

With a few years of experience, tilers can earn between £25,000 and £30,000 annually. At this stage, many professionals build a solid client base or move into specialist areas. You are also more likely to be developing more specialist skills that will help to increase your earning potential.

Experienced Tilers:

Those with 10+ years of experience, especially those running their own business or specialising in high-end projects, can earn £40,000+ per year, with some exceeding £50,000.

How much do self-employed tilers make?

Self-employed tilers have the potential to earn more than those in salaried positions, but their income depends on factors like workload, location, and business expenses. Many charge between £150–£250 per day, meaning annual earnings can range from £30,000 to £60,000+, depending on the number of jobs completed.

However, self-employment comes with additional responsibilities, such as sourcing work, managing finances, and covering business costs. These costs have to be taken into account when calculating earnings, although it’s useful to know expenses you can claim for as a tradesperson.

Costs and expenses for tilers

While self-employment can be lucrative, it’s important to factor in business expenses that affect overall profitability. These include both the ongoing costs of running a tiling business and the investment in maintaining or improving skills.

Tools and Equipment

Tilers need a range of essential tools, such as tile cutters, mixing drills, adhesive trowels, levelling systems, and protective gear. Replacing or upgrading tools over time is an additional cost to consider.

Transport and Fuel

Travelling to and from job sites can be a significant expense, especially for those covering large regions or working in rural areas.

Insurance

Public liability insurance is crucial to protect against accidents or damage while on site. Employers’ liability insurance may also be needed if hiring others.

Marketing and Business Costs

To stay competitive, self-employed tilers often invest in marketing, including a professional website, social media advertising, branding, and listing fees on lead-generation platforms like Checkatrade or Rated People.

Qualifications and Training

While many tilers begin with formal training, keeping skills up to date—or branching into specialisms—often involves ongoing costs. This might include advanced tiling courses, health and safety certifications (like CSCS cards), or learning new techniques and materials to meet market demand.

After covering these expenses, take-home earnings may be lower than headline rates suggest, particularly in the early stages of self-employment. Careful budgeting and reinvesting in tools and training can help tilers grow their business and income over time.

How to increase earnings as a Tiler

Tilers looking to maximise their income can consider the following strategies:

Improve skills and gain certifications: Investing in advanced tiling courses or waterproofing certifications can lead to higher-paying jobs.
Specialise in niche areas: Focusing on high-end tiling, underfloor heating installations, or large-format tiles can command premium rates.
Build a strong reputation: Positive customer reviews and word-of-mouth recommendations can lead to consistent work.
Utilise online platforms: Advertising on social media, Google My Business, or trade directories can attract new clients.
Offer additional services: Providing related services like grout restoration, silicone sealing, or tile repair can boost income.

Which specialist tilers make the most?

Tilers who specialise in certain areas can often command higher fees. Some lucrative specialisms include:

Luxury and large-format tiles: These require advanced skills and are often used in high-end properties.
Wet rooms and waterproofing: A growing market, particularly in modern bathroom designs.
Commercial and industrial tiling: Working on hotels, restaurants, and offices often brings larger contracts.
Restoration and heritage tiling: Preserving and restoring historical properties can be highly rewarding and well-paid.

Other factors affecting earnings

Several external factors can influence how much a tiler earns:

Location: Tilers in cities like London often charge higher rates due to demand and living costs.

Economic conditions: The construction industry fluctuates, affecting job availability.

Seasonal demand: Some tilers find work slows down in winter, especially for outdoor projects.

Trade Associations & Networking: Joining professional organisations like The Tile Association (TTA) can lead to better opportunities and higher rates.

In summary

Tiling can be a rewarding career with good earning potential, particularly for those who develop specialised skills and consider self-employment. While salaries vary depending on experience and location, tilers who build a strong reputation, manage their expenses well, and focus on high-value projects can achieve a comfortable income. Whether you’re starting out or looking to boost your earnings, the key to success in tiling is a combination of skill, professionalism, and smart business strategies.

Get Tiler’s Insurance from Protectivity

If you’re working for an employer, then you’ll normally be covered by whatever insurance provision they have in place. But if you’re working on a self-employed basis or running your own tiling business where you’re employing other people, then having your own cover in place is a must. If something goes wrong, the financial implications can be severe, which is why having the correct tradesman liability insurance is essential. We also offer tools insurance from just £8.98 a month.

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

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

Get Tiler's Insurance from Protectivity

*All rates listed are approximate, so it is suggested you do your research and consider what is most applicable to your own situation before setting prices.

Last updated by

11:38:43 BST • 23 April 2025

Offering EICRs as an Electrician: What you need to know

2 April 2025

•

8 mins read

Contributors

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

Get electricians insurance from Protectivity

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

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

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

Who needs an EICR certificate?

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

Landlords

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

Homeowners

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

Businesses and Commercial Property Owners

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

Public and High-Risk Buildings

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

Industrial Sites

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

Construction and Temporary Installations

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

What does an EICR involve?

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

Distribution boards
Wiring systems
Sockets and switches
Earthing and bonding

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

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

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

Why EICRs matter for your clients (and your business)

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

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

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

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

How to qualify to offer EICR certificates

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

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

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

What happens after you complete an EICR?

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

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

How to price EICRs

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

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

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

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

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

Make sure your clients understand the difference:

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

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

Final Thoughts…

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

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

Get Electricians’ Insurance from Protectivity

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

At Protectivity, we specialise in providing electricians’ insurance to professionals just like you. Our policies include public liability up to £5 million as standard; you then have the option to add Employers’ Liability insurance, Contractor Works cover, Plant and Tools cover, financial loss and employee tools (only if you’ve included the other benefits). That way, when unforeseen circumstances occur, you can ensure you’re protected from unexpected costs. Our tools insurance, is ideal for electricians needing to protect their equipment.

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

Get Electricians’ Insurance from Protectivity

Last updated by

12:36:31 BST • 2 April 2025

How the 2025 Spring Statement impacts the UK trades sector

28 March 2025

•

4 mins read

Contributors

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

The UK’s Spring Statement 2025 is being pitched as a pivotal moment for national growth — and the construction and trades sector stands to benefit in a big way. With headline-grabbing announcements on housebuilding, skills investment, and capital funding, this Statement sets the tone for an industry poised for expansion.

We’ve collated an overview of what the Spring Statement means for construction workers, employers, and trades professionals — and how these changes could reshape the landscape in the coming years.

A £6.8 billion boost: The economic impact of planning reform

One of the most significant changes comes from landmark planning reforms. The Office for Budget Responsibility (OBR) has projected a £6.8 billion boost to the economy as a result — with UK housebuilding expected to reach its highest level in over 40 years by 2029–30.

These reforms aim to streamline the building process, unlock stalled sites, and reduce bureaucratic hurdles. For tradespeople and construction firms, this means:

More projects coming online quicker.
Increased demand for skilled labour across the supply chain.
Opportunities for long-term business growth and stability.

Skills investment: Training 60,000 new construction workers

The government is addressing a long-standing bottleneck in the sector: the skills shortage.

A £625 million skills package will fund:

35,000 new places in construction-focused Skills Bootcamps.
10,000 Foundation Apprenticeships for young people entering the trade.
10 new Technical Excellence Colleges specialising in construction.
Increased funding for training providers, helping both young people and adults access training.
40,000 new industry placements each year, jointly funded with the Construction Industry Training Board.

What this means for the industry: Whether you’re a contractor, training provider, or someone looking to enter the field, this injection of funding signals a major opportunity. Employers may be able to tap into government-supported training pathways, helping address staffing shortages and upskilling existing teams.

Affordable housing: £2 Billion for new homes, built now

A new £2 billion fund will deliver up to 18,000 new social and affordable homes during this Parliament. The funding comes with a caveat: it must support developments that will break ground during this Parliament — i.e., no delays.

This means:

Priority for shovel-ready projects in areas like Manchester and Liverpool.
More consistent workstreams for regional contractors.
Faster delivery schedules and potentially tighter project timelines.

Capital investment to spur private growth

The government is injecting an additional £13 billion of capital investment to help “get Britain building.” This comes on top of a £100 billion commitment from the Autumn Budget.

This money will support:

Infrastructure upgrades
Regional development, including the Oxford-Cambridge Growth Corridor
Strategic investments to unlock private sector construction projects

With GDP growth projections rising by 0.6% by 2034–35, the sector is likely to be a key engine for broader economic recovery and expansion.

More money in people’s pockets & increased demand

By the end of this Parliament, people are expected to be £500 a year better off on average. While modest, this rise in disposable income could stimulate:

Greater demand for home improvements
Increased appetite for renovations and private building projects
More confidence in self-employed tradespeople and SMEs

This rise in consumer confidence is essential for maintaining momentum in both residential and commercial construction.

A time of opportunity

The Spring Statement 2025 paints a picture of an ambitious government plan aimed at revitalising the economy with construction at its core. While execution remains to be seen, the commitments to funding, reform, and training offer a real chance for growth.

For trades and construction businesses, now is the time to:

Explore available training grants and apprenticeships
Position for public-sector tenders and affordable housing projects
Engage in planning processes to benefit from reforms

The industry has long called for action on skills, infrastructure, and planning. Time will tell if this statement suggests that Westminster is finally listening.

Get Tradesman Insurance from Protectivity

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

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

Get Tradesman Insurance from Protectivity

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09:40:25 GMT • 28 March 2025

Expenses you can claim for as a tradesman

By Mandy Czyz

20 March 2025

•

8 mins read

Contributors

Mandy Czyz

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

As a tradesperson, running your business means facing various expenses, from tools and transport to insurance and marketing. But how do you know what counts as a business expense? Understanding what you can and can’t claim on your tax return ensures you don’t pay more than necessary. This guide breaks down the key expenses you can claim that could help reduce your tax bill and keep your business financially healthy.

What expenses does a tradesman face?

Tradespeople, whether self-employed or working for a limited company, face various costs to keep their businesses running smoothly. Essential expenses include tools and equipment, work clothing, travel and vehicle costs, insurance, and marketing. Many also pay for training to maintain their skills, rent for premises or workshops, and fees for professional memberships. Some tradespeople may need to hire subcontractors, which adds to overall business costs. Understanding these common expenses is crucial for managing finances and ensuring all allowable deductions are claimed.

What can I claim as work expenses?

If an expense is wholly and exclusively for business purposes, it is usually tax-deductible. Here are some of the key expenses you can claim:

Mileage and Accommodation

If you travel for work (e.g. to job sites or training courses), you can claim:

Mileage at HMRC’s approved rates (currently 45p per mile for the first 10,000 miles and 25p thereafter)
Public transport costs
Hotel accommodation for overnight stays related to work

Tools and Equipment

You can claim for:

Hand tools and power tools used in your trade
Repairs and replacements of work equipment
Safety gear such as gloves and helmets

Uniform and Protective Clothing

Branded workwear (e.g. embroidered company uniforms)
Protective clothing like steel-toe boots and high-visibility jackets

Premises Rent and Utility Bills

If you rent a workshop or office, you can claim rent and utility bills
If you work from home, a portion of your household bills may be deductible

Vehicle Expenses

Fuel, servicing, and maintenance
Road tax and insurance
Lease or loan payments for a work vehicle
Parking and toll fees

Training and Development

Courses to improve your trade skills (e.g. new certifications)
Health and safety training
Industry qualifications

Insurance Premiums

Public liability insurance
Employers’ liability insurance (if you employ staff)
Tool insurance
Contractors all risk insurance

Marketing and Advertising

Website development and hosting costs
Business cards and flyers
Online advertising (Google Ads, social media promotions)
Signwriting for work vehicles

Professional Fees and Memberships

Trade association memberships
Union subscriptions
Accountant fees

Subcontractor Costs

Payments to subcontractors for work completed
Costs associated with hiring temporary labour

What can’t I claim as work expenses?

While many expenses are claimable, there are certain things you can’t include:

Personal expenses – This includes costs such as meals unless you are travelling specifically for work. Everyday personal expenditures that do not directly relate to your business operations cannot be claimed.
Everyday clothing – Even if you wear certain clothing for work, it cannot be claimed as a business expense unless it qualifies as protective gear required for your job. Standard work attire, such as trousers, shirts, or shoes, does not fall under allowable expenses.
Fines or penalties – Any fines or penalties incurred, such as speeding tickets or parking fines, are not considered legitimate business expenses. These costs are personal liabilities and cannot be deducted.
Home office costs unrelated to business – While some home office expenses may be eligible for deductions, general costs like full rent or mortgage payments do not qualify. Only the portion of your household expenses that is directly attributable to business use can be claimed.
Client entertainment costs – Expenses related to entertaining clients, such as dining out, event tickets, or hospitality costs, are not tax-deductible. While they may be beneficial for maintaining client relationships, they are considered discretionary expenses rather than essential business costs.

Why it’s important to claim expenses back

Claiming allowable expenses is a smart way to reduce your taxable profit, which means you should end up paying less tax. By keeping accurate records of your expenses, you can avoid the risk of overpaying, and make sure you’re not missing out on any deductions that could boost your earnings. Staying on top of your expenses also helps you stay on the right side of HMRC regulations, so you won’t run into any issues down the line. Plus, having a clear picture of your business finances makes it easier to see where you’re at, helping you make better decisions for the future. It’s all about working smarter, not harder!

Tips for managing your expenses

Managing your expenses properly makes claiming them a lot easier and ensures you stay on top of your finances. Here are a few tips to help keep everything running smoothly:

Keep receipts and invoices – Store receipts and invoices digitally for easy access and reference, especially at tax time.
Consider using an accountant – A professional accountant can help you manage expenses, ensure compliance, and maximise your allowable claims. Find out more here about using an accountant.
Use accounting software – Tools like QuickBooks or Xero help track and organise expenses automatically, saving you time.
Separate personal and business expenses – Use a dedicated business account to keep personal and business transactions separate.
Log mileage accurately – Use a mileage tracking app to ensure accurate claims for business-related driving.
Stay up to date with HMRC rules – Keep an eye on changing tax laws to avoid missing deductions or facing penalties.

Hopefully these tips have given you ideas to make the process of claiming expenses more straightforward, leaving you with more time to focus on your business.

Common questions

What expenses can I claim as a self-employed bricklayer?

Work tools, safety gear, work vehicle costs, training and certification fees, subcontractor payments and more

What expenses can a joiner claim?

Joiners can claim similar expenses, including:

Carpentry tools, wood and materials for jobs, protective workwear, workshop rent and utility bills, insurance for tools and liability and more

What happens if I mix personal and business expenses?

Mixing personal and business expenses can cause problems when claiming deductions and can lead to issues with HMRC. It’s best to keep your personal and business expenses separate by using a dedicated business bank account and credit card.

Do I need to keep receipts for everything?

Yes, keeping receipts for all your business expenses is important for record-keeping and for proving your claims if HMRC ever asks for them. Digital copies can be useful and easy to store.

Can I claim for training and certifications specific to my trade?

Yes, if you take courses, attend workshops, or acquire certifications related to your trade, these costs can be deducted as business expenses. These types of professional development expenses are often considered necessary to stay compliant and improve your skills.

Finally…

Understanding what expenses you can claim is essential to managing your finances efficiently as a tradesperson. Keeping detailed records and making legitimate expense claims can significantly reduce your tax bill, allowing you to reinvest in your business. If you’re unsure about what you can claim, consider consulting an accountant to ensure you’re making the most of your deductions while staying compliant with HMRC rules.

Get Tradesman Insurance from Protectivity

Managing your expenses is crucial, and we’ve provided an overview of what you can and can’t claim. By taking control of your expenses, this can help to save you money but what about the things you can’t control? That’s why having the right insurance is essential, to safeguard you from financial setbacks when the unexpected happens.

At Protectivity, we offer affordable tradesman insurance designed to cover common industry risks. Our policies include Public Liability up to £5 million as standard, with optional add-ons such as Contractor Works cover, Plant and Tools cover, Financial Loss, and Employee Tools (available when selecting other benefits). This ensures you’re protected from unforeseen costs when challenges arise.

Whether you’re a carpenter, electrician, painter, builder, handyman, or another tradesperson, take just two minutes today to explore our trades insurance options.

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14:16:38 GMT • 26 March 2025

The Competent Persons Scheme (CPS) in the UK

20 March 2025

•

9 mins read

Contributors

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

If you’re a tradesperson in the UK, you’ve probably heard of the Competent Person Scheme (CPS). But what exactly is it, and why should you consider joining one? For most trades, if you’re an electrician, plumber, gas engineer, or window installer, being part of a recognised scheme can save you time, money, and hassle when it comes to meeting Building Regulations.

We’ve provided a breakdown of everything you need to know about Competent Person Schemes: what they are, the different schemes available, the pros and cons of joining, and how to register. Start thinking about what works for you.

What is the Competent Person Scheme (CPS)?

The Competent Person Scheme (CPS) is a government-approved initiative that allows qualified tradespeople to self-certify that their work complies with Building Regulations. This means you don’t need to go through local authority Building Control, which can be costly and time-consuming. However, it does mean you take on the responsibility for complying with regulations and bear the penalties if you fail to do this correctly.

CPS applies to various types of work, such as electrical installations, plumbing, heating, and glazing. It’s designed to ensure that work meets the required safety and quality standards while reducing unnecessary bureaucracy for skilled professionals.Competent Person Schemes are available in England and Wales. In Scotland and Northern Ireland, different certification schemes apply, so make sure you check local requirements if you work across borders.

List of Competent Person Schemes in the UK

There are several government-approved schemes in the UK, each catering to different trades. Below is a list of some of the most recognised ones:

NICEIC – National Inspection Council for Electrical Installation Contracting
NAPIT – National Association of Professional Inspectors and Testers
FENSA – Fenestration Self-Assessment Scheme
CERTASS – Certification and Self Assessment
MCS – Microgeneration Certification Scheme – for solar, heat pumps, etc.
Stroma Certification

Each scheme has its own set of criteria and application process, so it’s essential to pick one that best suits your trade and business needs.

Why join a Competent Person Scheme? (Pros & Cons)

Pros of joining a CPS

Legal Compliance

A CPS helps ensure that work complies with Building Regulations without the need for local authority approval, saving time and effort.
Particularly crucial for trades such as electrical work (Part P), plumbing, heating installations (Gas Safe), and window/door installations (FENSA).
Reduces the risk of non-compliance fines or enforcement action, which could result in costly remedial work or legal trouble.

Customer Trust & Credibility

Many homeowners and businesses prefer hiring registered tradespeople because it provides assurance that the work meets industry standards.
Having a CPS registration can set you apart from non-registered competitors, leading to increased client confidence and potential referrals.
Some industries, like gas and electrical work, require compliance schemes by law, making it a critical factor in customer decision-making.

Saves Time & Money

Local authority inspections can be costly and time-consuming. A CPS allows tradespeople to self-certify their work, reducing delays.
Avoids additional paperwork and administration associated with local Building Control applications.
Particularly beneficial for trades that perform frequent installations, such as boiler engineers, electricians, and double-glazing installers.

More Work Opportunities

Some contracts, particularly for commercial and new-build projects, require CPS registration as a prerequisite.
Larger construction companies and property developers often prefer working with CPS-registered contractors to simplify compliance.
Public sector projects or insurance-related work may require CPS accreditation for eligibility.

Insurance & Protection

Many CPS memberships include benefits such as insurance-backed warranties or guarantees for customers.
This can be a major selling point for potential clients, offering peace of mind regarding workmanship and durability.
Some schemes provide dispute resolution services, which can be useful for resolving client disagreements efficiently.

Cons of joining a CPS

Membership Fees

Most schemes require an annual membership fee, which can be a significant cost for small businesses or sole traders.
Additional expenses may include assessment fees, ongoing training costs, and renewal charges.
Trades with lower work volumes, such as self-employed carpenters or decorators, may not find the cost justified.

Compliance Checks & Audits

Registered tradespeople must undergo periodic inspections and audits to ensure work meets the required standards.
Non-compliance or poor-quality work could result in warnings, suspension, or removal from the scheme.
This is particularly relevant for trades where safety is critical, such as gas engineers and electricians, who must meet stringent regulations.

Not Always Mandatory

Some trades do not require CPS registration, making it an optional rather than essential expense.
In cases where work does not fall under regulated Building Regulations, businesses might opt to work without a CPS and rely on local Building Control instead.
For decorators, tilers, and general handymen, a CPS may not provide significant advantages unless they are working on larger projects.

How to register with a Competent Person Scheme

If you’ve decided that joining a CPS is the right move for your business, here’s a step-by-step checklist on how to register:

Step 1: Check Your Eligibility

Before applying, make sure you have the necessary qualifications, experience, and insurance. Most schemes require proof of competency and previous work.

Step 2: Choose the Right Scheme

Select the scheme that fits your trade. For example, if you’re an electrician, look at NICEIC or NAPIT.

Step 3: Complete the Application

Most schemes have an online application process. You’ll typically need to provide details of your qualifications, business information, and proof of work.

Step 4: Undergo an Assessment

Many schemes require an on-site inspection where an assessor reviews your work to ensure it meets the required standards.

Step 5: Get Approved & Start Certifying

Once approved, you’ll receive your CPS registration number and can start self-certifying work.

Step 6: Maintain Compliance

Some schemes require ongoing training, CPD (Continuing Professional Development), and periodic inspections to ensure you continue meeting standards

Differences between schemes for different trades

Not all CPS schemes operate in the same way. For high-risk industries such as electrical, gas, and structural work, CPS registration is often essential for legal and safety reasons. For lower-risk trades, the decision should be based on the specific business model, work volume, and target clientele.

Understanding these factors can help tradespeople determine whether CPS membership aligns with their professional goals and business needs. Here’s a quick look at how requirements can differ depending on your trade:

Electricians – Must comply with Part P of the Building Regulations, ensuring electrical safety in domestic installations. Certification is required for any new electrical installations or major modifications.

Gas Engineers – Must be Gas Safe Registered, which is a legal requirement to work on gas appliances safely. This includes boiler installations, gas pipework, and other gas-related works.

Window Installers – Must ensure compliance with Part L (energy efficiency regulations), ensuring correct thermal performance for new installations. Schemes such as FENSA and CERTASS provide certification.

Builders – May require registration with multiple CPS schemes depending on the type of work they undertake. Compliance with Part A (structural safety), Part B (fire safety), Part C (moisture protection), and Part L (energy efficiency) may be necessary. Builders involved in loft conversions or extensions may need a CPS for structural alterations.

Renewable Energy Installers – Those installing solar panels, heat pumps, or other renewable systems may need to be registered under MCS (Microgeneration Certification Scheme) to meet industry standards and access government incentives.

It’s worth noting that if you work across multiple trades, you may need to register with more than one scheme.

Other considerations on a Competent Person Scheme

Before registering onto a scheme, you might want to consider the following:

Insurance Requirements

Many schemes require Public Liability Insurance, which protects against claims for injuries or property damage.
In some cases, Professional Indemnity Insurance is necessary, particularly for trades offering design or advisory services.
Some CPS schemes include insurance-backed warranties, providing extra reassurance for customers.

Competency & Training

Some schemes require you to prove ongoing professional development (CPD), ensuring that your skills remain up to date.
Certifications, refresher courses, and industry accreditations may be necessary for renewal of membership.
Trades like electrical work, gas engineering, and renewable energy installations often have mandatory competency assessments.

Government Incentives & Grants

Some CPS registrations, like MCS (Microgeneration Certification Scheme), allow you to offer customers access to grants or funding.
Programs such as the Boiler Upgrade Scheme (BUS) provide financial incentives for homeowners installing renewable heating systems.
Being part of a CPS can improve marketability, as customers often prefer contractors who can help them access funding or meet compliance requirements for grants.

Alternatives to CPS

If you don’t want to register, you can still complete work, but you may need to notify and pay for building control approval, which can be more expensive and time-consuming.

Joining a Competent Person Scheme can be a game-changer for tradespeople. It streamlines compliance with building regulations, saves money on inspections, and boosts customer confidence in your work.

However, it’s essential to choose the right scheme for your trade and business. Weigh up the pros and cons, check the eligibility criteria, and make sure it aligns with your long-term goals.

If you’re ready to take the next step, research your trade’s CPS options, apply, and start enjoying the benefits of self-certification!

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09:04:21 GMT • 28 March 2025

Expert tradespeople’s “tips and tricks” of the trade

19 March 2025

•

12 mins read

Contributors

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Spring is just around the corner, and millions of us will be planning to give our homes and gardens some TLC as the temperatures increase and the days become longer.

With this in mind, we collaborated with five expert tradespeople across various specialisms (including building, joinery and carpentry, gardening, electrics, and painting and decorating) to discover some lesser-known tricks of the trade, with the hopes of increasing consumer’s knowledge, confidence, and (where relevant) competency around various DIY/home maintenance, home improvement/renovation, and building/construction topics. Read on to find out more…

Adding value to your property and refurbishment considerations

First we spoke to Mike Ryan, director of construction at Capstone Developers, who has over 20 years of experience in the construction industry. When it came to which home refurbishments can add the most value to a property, Mike shared that expanding your property’s square meterage is one of the most effective ways to increase its value, with “loft conversions being the most impactful addition I’ve undertaken”. However, Mike stresses that it’s crucial to focus on perceived value rather than just added value – “to maximize returns, you must ensure that your spending on additional square meterage aligns with local square meterage sales prices. I follow a 50-50 rule, spending no more than 50% of the added value per square meter, to avoid overspending while still achieving a strong return on investment”.

Mike Ryan of Capstone Developers

Speaking with Alex Almond Bennett from Almond Bennett Developments, a Leeds and West Yorkshire based joinery and construction company, he shared that extensions will always add value to property, an extra bedroom or bathroom will add the most

Alex also added that filling your home with really expensive items not knowing the top end market price for your house can be a mistake – for example, “if your house has a top end value of £200k don’t put a freestanding bath in and a 30k kitchen, as you will never see the return on your investment. Unless you plan on living there long term and are happy to lose that money”.

Adding to this, Mike shared that before starting any loft conversion projects, his team invites three local estate agents to evaluate the property to “help establish the square meter selling rate, which in turn determines that the homeowner should be looking to spend up to 50% of the uplift on additional square meterage”.

One of the biggest mistakes Mike sees homeowners make when planning a refurbishment is not having the correct drawings – “too often, I see people requesting construction quotes based on planning application drawings, which are simply not sufficient. Relying on these will inevitably lead to numerous variation orders, adding unexpected costs and delays”. To avoid this, it is absolutely essential to have a detailed construction drawing that “outlines every single aspect of the proposed refurbishment. This ensures clarity, accuracy, and a smoother building process”.

Home trends

Alex shared some new trends related to joinery and carpentry that he has noticed in recent months. In particular, he has seen a spike in clients looking to install media walls, feature wall paneling, and garden rooms – adding some further context, he shared “I spoke to an estate agent recently that said the most searched thing on Rightmove currently is garden room and can add up to 5%”.

Natalie Marsden, a Plymouth-based painter and decorator, otherwise known as The Lady Painter, has also noticed that installing panelling and media walls is a big trend at the moment – “if I’m honest I love it and it does bring a different texture and feature to a room. But the newest trend is something called drenching, where the woodwork is brought in the same colour as the walls”.

When it comes to specific paint colours, Natalie shared that warm pastel beige and sage green are hues that a lot of people are using.

Logo of NGM Painter & Decorator

Mike revealed that prioritising sustainability and eco-friendly construction is also a key trend for 2025, and that Capstone implements green practices across every stage of a project – “from construction techniques to painting and decorating, we actively move away from oil-based paints and maximise the use of reclaimed materials, either integrating them directly or setting them aside for future reuse”.

When it comes to electrics, Vishal Narbheram is an electrician with 15 years’ experience, and founder of Onward Shift – a mental health platform to help construction businesses and individuals thrive – shared that LED lighting strips are becoming increasingly popular. However, there’s an important warning to keep in mind – “while they look great and are energy-efficient, the drivers (which power the LED lights) can be costly to replace especially if you can’t find an exact match for your current setup. To avoid unnecessary hassle and expense, always ensure the drivers are installed in an accessible location. Placing them inside ceilings for example, can lead to major issues if they need replacing, as ceilings may have to be damaged just to reach them. A little planning during installation can save you a lot of trouble down the line”.

Gardening trends

Sean Lade, founder of Easy Garden Irrigation, who has 15+ years in gardening and irrigation, revealed four main trends that he has noticed over the last 6 months. These include boundaryless garden spaces – where he expects to see “outdoor kitchens, modular furniture, and even outdoor showers gaining popularity”. This trend particularly appeals to renters and those with small gardens, allowing them to optimise their outdoor space while maintaining flexibility.

Sean Lade of Easy Garden Irrigation

Climate-resilient gardens was another trend Sean noted, in particular implementing “sustainable gardening will continue to dominate, with a greater focus on water efficiency and resilient plant choice”. Sean revealed that gardeners are turning to “drought-tolerant plants like lavender and hardy geraniums, as well as water-saving solutions like drip irrigation, rainwater harvesting, and app-controlled irrigation systems”. He predicts that flood-resistant designs, rainwater retention systems, and dense planting methods will also rise in popularity “to help manage the increasingly unpredictable British weather”.

Vertical gardens and green walls are other trends expected to grow even further in 2025, so Alex expects creative containers that allow greater flexibility, particularly for renters or those with limited space, to become even more popular this year.

Gardeners are embracing ecotherapy, using plants for mindfulness and wellbeing. Biophilic design will continue to be popular this year. The line between indoor and outdoor living is disappearing as homeowners seek to maximise their space, so including houseplant collections that thrive indoors is also expected.

DIY tips and money saving hacks

When it comes to tasks you can DIY, Mike suggested that (if you are fit and able) you could “do some of the demolition work yourself or any other trade you are comfortable doing”. Alex shared that “most people can do anything if they are shown. Most skills are learnt over time and through practice – watch YouTube videos. be patient, and take your time. If it’s not right, take it down and try again. The more you do it, the better you’ll get”.

Logo of Almond Bennett Developments

On painting, Natalie shared that “people often think painting is easy, but it’s not if you want the best finish possible. Put the time and effort in at the beginning with the preparation and it will be beneficial come the end”. When it comes to getting the perfect finish when painting, Natalie stresses that it’s all about the preparation – “use the correct paints for the correct surfaces, make sure imperfections are filled, make sure that gaps in woodwork are filled, and sand back all surfaces in between coats”. She also shared that we should be using the right rollers for the different surfaces too.. “I tend to use a woven mohair or a fused fibre roller for woodwork rather than a medium pile/ microfibre roller that I use on walls and ceilings. Trusting the process is key”.

On wallpapering, she added that “I think people underestimate how detailed wallpapering can be and wallpaper nowadays isn’t cheap so they want the job done to the best it can be”.

When buying paint, Natalie urges DIYers to be mindful of the ‘buy cheap, buy twice’ saying… “People tend to buy the cheaper paints and it takes so many more coats because it isn’t good quality that they end up buying another lot. Stick to a good brand or a brand that is highly recommended and you can’t go wrong”.

Vish gave some ways to cut down on your electricity bills without much effort. These included switching to LED energy efficient bulbs “as they use less power and last longer, saving you money in the long run”, turning off lights and appliances when not in use (“even standby mode consumes energy, so switch them off completely”), and lowering your heating slightly – “a small reduction can make a noticeable difference without sacrificing comfort”.

Electrician Vishal Narbheram

Sean also shared some potential money-saving gardening hacks that you can use this spring… “Applying mulch around your plants reduces water evaporation, meaning you won’t need to water as often. It also helps to suppress weeds, cutting down on maintenance. Installing a drip irrigation system (that delivers water directly to plants’ roots) reduces waste by up to 50% compared to traditional watering methods like the garden hose.

“Using a water butt to collect rainwater helps reduce reliance on mains water and helps to keep costs down. Repurposing household waste (such as eggshells, coffee grounds and banana peels) makes excellent natural fertilisers, providing nutrients without the need for chemical alternatives”.

Propagating plants was another tip – “instead of buying new plants, take cuttings from existing ones to grow your own for free”.

Gardening considerations

Common gardening mistakes include watering too early in the season, not preparing the soil, mowing the lawn too short, and forgetting about pests. Sean shared that “many gardeners start watering heavily as soon as spring arrives, but plants need a balance. Overwatering in cool temperatures can lead to root rot.

“Skipping soil improvement (e.g., adding compost or organic matter) results in poor plant health and lacklustre growth. Cutting the grass too low in early spring weakens the roots, leading to patchy lawns and encouraging weed growth.

“Warmer weather brings pests like aphids and slugs. Preventative measures, such as companion planting or natural deterrents, can help protect plants before problems arise”.

Sean also noted that lawn care and weed prevention is key to a thriving garden… “your lawn starts actively growing in March and April, so give it a good start by raking out moss and thatch, aerating compacted areas, and applying a spring lawn feed. Keep mowing heights around 4cm to encourage strong, lush growth.

“Weeds also begin to take off in early spring… removing them now prevents a bigger problem later. Hoe annual weeds on dry days and hand-pull deep-rooted weeds like dandelions to stop them from spreading. Mulching beds and borders will also help suppress new weed growth”.

When to consult a professional

We also asked the experts about which tasks homeowners should always consult a professional, rather than attempting to DIY.

Mike shared that homeowners should always consult a qualified builder and a professional when a project involves structural work – “it is absolutely essential that DIY enthusiasts avoid undertaking structural modifications themselves. Proper advice, planning consents, and compliance with building regulations are crucial to ensuring safety, durability, and legal approval for any transformation”.

Alex added that you should not attempt to do anything to do with gas or electricity unless you are qualified for safety reasons. Corroborating this, Vish noted that electricity is invisible and often silent, making it unpredictable and dangerous if not handled correctly, saying that “unless you’re a skilled and competent professional, it’s always best to call a qualified electrician for any electrical work. A trained expert will ensure the job is done to current safety regulations, maintain a high standard of workmanship and most importantly, protect you from the risk of a potential fatal electric shock”.

Vish added that ovens and hobs are a major contributor to electrical fires due to loose connections, inadequate cable sizing, and poor installation – “these appliances require a significant amount of electricity to operate, making it crucial to use the correct cable size, which should be determined through proper calculations. For example, a 2.5mm cable is not sufficient to power a 6kW oven or hob, as it would draw excessive power, causing the cable to overheat and potentially ignite, creating a serious fire hazard. Ensuring the correct installation and cable capacity is essential for safety and efficiency”.

Natalie said that, anecdotally in her line of work, woodwork is the main task that she sees people consulting a professional for, due to the level of preparation and desired finish.

While many gardening tasks can be “DIY-ed”, Sean shared some jobs require expert advice, such as installing an irrigation system – “professionals can design a tailored system that maximises efficiency and prevents issues like water waste or uneven coverage. Hardscaping projects, such as laying patios, installing drainage solutions, or creating complex planting schemes, also benefit from professional expertise to ensure long-term durability. Tree pruning is another key task which is best left to arborists, as improper pruning can damage trees or pose safety hazards”.

Tradesman Insurance

Our tradesmen insurance offers the essential business cover you need to protect against potential claims, ensuring you operate securely and avoid financial losses. With public liability included, you also have the option to add extras like employers’ liability, Contractors Works cover, Plant & tools cover, tailored to the specific needs and size of your business. So, whether you operate as a sole trader or run a larger business we can offer the cover you need. Whether you’re a builder, painter or plasterer, our policy is flexible to your needs.

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