The Self-Employed Checklist: Are You Protected?

self-employed checklist

Getting Your Business on Track

Have you recently started-up a new business? Maybe you’re thinking about venturing out on your own or perhaps you have been self-employed for years? Whatever your situation, it’s an exciting time!

There are plenty of perks of being self-employed; you’re your own boss, you can choose your own hours of work and be as flexible as you like. However, there can be downfalls along the line of which can be detrimental to your business and your livelihood.

When it comes to running your own business, there’s lot to organise and set-up to ensure you are successful. Being an expert in your chosen trade is must, then you have to obtain the right vehicle, tools and equipment. Then you have start getting customers, building a reputation and ultimately, making money.

However, sometimes it’s easier to forget to about the little things; those extra expenses that you think can wait. But unfortunately those extra expenses, such as Insurance, can make a huge difference…


Let’s face it, Insurance can be a bore. We’d much rather spend our precious time getting on with what we’re good at. But unfortunately it’s a necessity and one that could save our livelihoods.

There are different types of insurance we need to have in place to ensure ourselves and our business is protected. However, Tools and Equipment Insurance has never been a priority for small business owners and self-employed individuals. In some eyes it is just another expense and hopefully a crime they will never fall victim to.

But, with van and tool theft statistics rife year on year, more people are being left devastated when they are unable to work and complete jobs; then they are unable to pay bills.

As self-employed businesses, we need to ask ourselves – what would happen if your work van, equipment and tools were stolen? Would you be able to finish your current job? Would you still be able to start this new contract? Sometimes, you might already have insurance in place, but how long would it take for you to make a claim? Then you have to dig deep for old invoices and receipts…

Your business is your pride and joy. You’ve dedicated time into building up your reputation and customers and spent money on expensive equipment. So what happens when all of this is taken away in minutes?

SmartWater Tools in Transit Insurance

There are plenty of Tools in Transit insurance options available on the market. However SmartWater have created a unique, three-part insurance package that not only protects you in case the worst happens, but it can work as a powerful deterrent to prevent thieves from choosing you in the first place.

SmartWater is a powerful, internationally recognized deterrent with a branded security feature. It is already well known to criminals and they acknowledge that it represents a genuine threat to them. To date, it has provided hard evidence to the police and has aided in hundreds of convictions. The SmartWater liquid has a unique forensic code that, once applied, can protect up to 400 items of equipment and is only visible under UV light. Applying the liquid is easy and it is almost impossible to remove – meaning that once branded, you will always be able to prove that your tools are your tools!

• Vehicles that display SmartWater signs are 74% less likely to be the victim of theft
100% Conviction rate when SmartWater is used as evidence


self-employed checklist

Industries SmartWater Tools in Transit Insurance can protect:

  • Builders
  • Carpenters
  • Domestic Cleaners
  • Dog Groomers
  • Electricians
  • Horticulture
  • Locksmiths
  • Mechanics
  • Mobile Beauticians
  • Painters / Decorators
  • Electricians
  • Roofers
  • Scaffolders
  • Sound / Light Engineers
  • Window Cleaners
  • Welders / Solderers

Be Prepared or Risk Everything

So, although there are great advantages of running your own business and being self-employed, there are plenty of hurdles along the way. One thing you must add to your check-list this year – make sure you are fully protected. Cutting corners can cost you in the long run.

Criminals are known to go for the easy targets – so make tools and business too hot to handle with SmartWater Tools in Transit Insurance.

Visit our website to find out more or get fully protected straight away and purchase your insurance online in seconds.

Trust in a motto that works – Insure It, Mark It, Keep It

SmartWater Insurance Services is a trading name of NDM Insurance Brokers Limited. NDM Insurance Brokers Limited is an Appointed Representative of Momentum Broker Solutions Limited who are authorised and regulated by the Financial Conduct Authority (FCA), firm registration number 526435.
NDM Insurance Brokers Limited - Kingsland House, Stafford Park 1, Telford, Shropshire, TF3 3BD. Registered in England - Company Number: 10025669

® SmartWater, the SmartWater yellow, the SmartWater atom logos, Thieves Beware and Insure Mark It Keep It are trademarks of SmartWater Ltd.
SmartWater is a proprietary forensic asset marking System and Strategy protected by worldwide trademarks and patents.

Momentum Broker Solutions is a limited company registered in England & Wales No 07267159
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Phone: 0116 2388 880 | Email: info@momentumsolutions.co.uk

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