
What Happens If Self-Employed Tradespeople Can’t Work? | Off The Job Podcast Overtime Episode 95
Send us Fan Mail If you're self-employed and your body suddenly stops you working… how long could you actually afford to be off the tools? Pete and Keiran are back for another Off The Job Overtime , and this week Pete’s back injury sparks a conversation that every self-employed tradesperson should probably think about. After struggling with severe sciatic pain, Pete was told to rest for up to 12 weeks , but when your income depends on physically turning up and doing the job, taking three months off isn't exactly straightforward. That leads into a bigger discussion around income protection, insurance and looking after your body when you work in the trades . Pete also looks back on 27 years on the tools and admits he ignored advice about protecting his knees when he was younger, because, like most people starting out, you assume your body will always be fine. They also get into: What happens financially if a self-employed tradesperson can't work Whether income protection is something more tradespeople should consider Looking after your knees and body before problems start Why £160 isn't a realistic day rate for an experienced tradesperson Why mates rates don't always make sense Whether charging by the job is better than telling customers your day rate Is staying a one-man band actually underrated? Why more staff doesn't automatically mean more profit The extra stress, wages and responsibility that come with growing a trade business Where one trade's job ends and another one's starts Should the carpenter or decorator caulk decorative panelling? Who makes good after plumbers and electricians chase into walls? The lads also get into an important health and safety discussion after looking at an HSE case involving workers who were injured during maintenance work where isolation and lock-off arrangements were among the failures identified. It raises a simple question: Would you trust another tradesperson telling you something is safely isolated, or would you always check it yourself? There's also plenty of audience debate around staying solo versus growing a trade business . Some tradespeople say keeping things small means less stress and stronger customer relationships, while others point out that staying solo eventually limits how much work one person can physically handle. If you're a plumber, gas engineer, electrician, carpenter, decorator, builder or self-employed tradesperson , this episode gets into the realities of running a trade business that don't always get talked about. 👇 Let us know in the comments: If you couldn't work for a month, would your business and bills be covered? And would you rather stay a one-man band or build a bigger team? 🎁 EXCLUSIVE PODCAST OFFER Get 30% OFF your Yearly Subscription to Gas Certificate App! Use code: POD30 at checkout 📲 Download the Gas Certificate App now https://onelink.to/hbv69u ⚠️ Warning: Contains adult humour and strong language. Tradesmen banter ahead. 🔗 Follow us on Socials 📱 TikTok: https://www.tiktok.com/@offthejobpodcastuk 📸 Instagram: https://www.instagram.com/offthejobpodcastuk












