Updated: Wednesday 20th January 2021

The UK is now into its 3rd lockdown of the Coronavirus (COVID-19) pandemic. Many tradespeople are continuing to struggle with the everchanging regulations and demands in work, leaving them wondering what will happen to their business. 

Plumbers, electricians, engineers, gardeners, builders and more are looking to the government for further financial support to help reduce the impact that Coronavirus is having on their livelihood.

With the situation changing regularly, tradespeople are constantly trying to navigate new guidelines, restrictions and support. In this guide, we are sharing everything we know about the current Coronavirus support for tradespeople.

The Impact Of Coronavirus On Tradespeople

The UK government are changing their advice and guidance in regards to the Coronavirus pandemic on a regular basis. They have moved all areas of the country from a tiered restriction system to another nationwide lockdown which could last for many more weeks as the vaccine is rolled out. 

Once again, everyone is to stay at home with only a very limited number of exceptions. As most tradespeople cannot work from home, they are still permitted to go out to work. However, many customers are choosing not to have work at the moment. Similarly, tradespeople may not feel comfortable going into multiple households as the new variant of the virus is spreading more quickly.

Tradespeople such as plumbers, heaters and electricians work hard to serve their local communities. Many work across both domestic and commercial environments. Consequently, there are some serious implications of offering these services during the pandemic. Some considerations to bear in mind include;

Can I Claim On My Business Insurance?

Every business will have a slightly different insurance policy in place, and some may provide cover in the current situation. 

A recent Supreme Court ruling is backing some small businesses to ensure payout for disputed business interruption claims. This may set a precedent for other insurance claims. However, it is important to carefully read your current insurance policies to see if you might be eligible.

Most business insurance policies do not cover Coronaviruses losses, despite including business interruption cover. This type of cover is to cover damage to business premises or equipment, such as by flood or fire. Many of these policies will not include cover for forced closure by authorities.

We recommend tradespeople to get in touch with their business insurance policy providers to determine if they have coverage.

What Support Is There For Tradespeople During The Coronavirus Pandemic?

With the information on the Coronavirus pandemic changing frequently, it is hard to keep up with the support that is available for tradespeople. We’ve compiled this list of everything currently available to small businesses and tradespeople. We will update this list with new information as it is available.

From January 2021;

In September 2020, Rishi Sunak announced the Winter Recovery Plan, which has since been updated to reflect the latest changes in the pandemic. As of January 2021, the support initiatives available for tradespeople are;

As from the 26th March 2020;

On the 26th March, Chancellor Rishi Sunak announced measures to support self-employed workers. These measures were delayed due to being a complex process to calculate. However, from June there has been support for self-employed workers who have suffered a loss of income due to Coronavirus;

At the beginning of June, self-employed individuals who are eligible for a taxable grant were contacted by HMRC.

Eligible self-employed individuals are;

Self-employed people who have set up since April 2019 are not eligible for the taxable grant.

This also doesn’t cover directors of their own company. For directors, they will need to apply for the Job Retention Scheme.

Eligible individuals will be able to receive a taxable grant of up to 80% of the average profits from the three previous tax years. This will be up to a maximum of £2,500 per month for three months.

If you are eligible, HMRC will contact you and invite you to apply online. Do not apply to HMRC until you are invited to. At this stage, you will need to prove to HMRC that you have suffered financially as a result of the Coronavirus. Those who receive tax credits will have to declare this in the claim.

While the scheme offers a grant for up to three months (paid in one instalment), this may be extended if necessary.

You can find out more about support for the self-employed here.

As from the 20th March 2020;

On the 20th March, Rishi Sunak announced further measures to protect businesses. These included:

As from the 17th March 2020;

New measures were put in place to protect businesses throughout the Coronavirus outbreak. The Chancellor announced a new package of government-backed initiatives to support businesses. These included:

The Minimum Floor Income for Universal Credit will be relaxed, meaning that those not working due to Coronavirus and government advice are able to claim. More details on Universal Credit is available on the government website.

Employment and Support Allowance is open to those who are self-isolating due to COVID-19, and you can claim £73.10 a week. More information on Employment and Support Allowance is available on the government website.

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Updated: Wednesday 20th January 2021

The UK is now into its 3rd lockdown of the Coronavirus (COVID-19) pandemic. Many tradespeople are continuing to struggle with the everchanging regulations and demands in work, leaving them wondering what will happen to their business. 

Plumbers, electricians, engineers, gardeners, builders and more are looking to the government for further financial support to help reduce the impact that Coronavirus is having on their livelihood.

With the situation changing regularly, tradespeople are constantly trying to navigate new guidelines, restrictions and support. In this guide, we are sharing everything we know about the current Coronavirus support for tradespeople.

The Impact Of Coronavirus On Tradespeople

The UK government are changing their advice and guidance in regards to the Coronavirus pandemic on a regular basis. They have moved all areas of the country from a tiered restriction system to another nationwide lockdown which could last for many more weeks as the vaccine is rolled out. 

Once again, everyone is to stay at home with only a very limited number of exceptions. As most tradespeople cannot work from home, they are still permitted to go out to work. However, many customers are choosing not to have work at the moment. Similarly, tradespeople may not feel comfortable going into multiple households as the new variant of the virus is spreading more quickly.

Tradespeople such as plumbers, heaters and electricians work hard to serve their local communities. Many work across both domestic and commercial environments. Consequently, there are some serious implications of offering these services during the pandemic. Some considerations to bear in mind include;

Can I Claim On My Business Insurance?

Every business will have a slightly different insurance policy in place, and some may provide cover in the current situation. 

A recent Supreme Court ruling is backing some small businesses to ensure payout for disputed business interruption claims. This may set a precedent for other insurance claims. However, it is important to carefully read your current insurance policies to see if you might be eligible.

Most business insurance policies do not cover Coronaviruses losses, despite including business interruption cover. This type of cover is to cover damage to business premises or equipment, such as by flood or fire. Many of these policies will not include cover for forced closure by authorities.

We recommend tradespeople to get in touch with their business insurance policy providers to determine if they have coverage.

What Support Is There For Tradespeople During The Coronavirus Pandemic?

With the information on the Coronavirus pandemic changing frequently, it is hard to keep up with the support that is available for tradespeople. We’ve compiled this list of everything currently available to small businesses and tradespeople. We will update this list with new information as it is available.

From January 2021;

In September 2020, Rishi Sunak announced the Winter Recovery Plan, which has since been updated to reflect the latest changes in the pandemic. As of January 2021, the support initiatives available for tradespeople are;

As from the 26th March 2020;

On the 26th March, Chancellor Rishi Sunak announced measures to support self-employed workers. These measures were delayed due to being a complex process to calculate. However, from June there has been support for self-employed workers who have suffered a loss of income due to Coronavirus;

At the beginning of June, self-employed individuals who are eligible for a taxable grant were contacted by HMRC.

Eligible self-employed individuals are;

Self-employed people who have set up since April 2019 are not eligible for the taxable grant.

This also doesn’t cover directors of their own company. For directors, they will need to apply for the Job Retention Scheme.

Eligible individuals will be able to receive a taxable grant of up to 80% of the average profits from the three previous tax years. This will be up to a maximum of £2,500 per month for three months.

If you are eligible, HMRC will contact you and invite you to apply online. Do not apply to HMRC until you are invited to. At this stage, you will need to prove to HMRC that you have suffered financially as a result of the Coronavirus. Those who receive tax credits will have to declare this in the claim.

While the scheme offers a grant for up to three months (paid in one instalment), this may be extended if necessary.

You can find out more about support for the self-employed here.

As from the 20th March 2020;

On the 20th March, Rishi Sunak announced further measures to protect businesses. These included:

As from the 17th March 2020;

New measures were put in place to protect businesses throughout the Coronavirus outbreak. The Chancellor announced a new package of government-backed initiatives to support businesses. These included:

The Minimum Floor Income for Universal Credit will be relaxed, meaning that those not working due to Coronavirus and government advice are able to claim. More details on Universal Credit is available on the government website.

Employment and Support Allowance is open to those who are self-isolating due to COVID-19, and you can claim £73.10 a week. More information on Employment and Support Allowance is available on the government website.

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Your email address will not be published.