Setting up nail business at home - what next?

minimoneysaver

As above...I've trained as a nail technician. I already have my supplies and table set up etc. About to qualify on 1st September. The question is, what do I need to do next?

I have already contacted the council. I have my table by a window and it has an extractor for dust and fumes. The council are happy with that and have said that I don't need to pay business rates as it is in my dining room and won't be for very many hours.

What next? Any help would be brilliant. x

Savvy_Sue

Insurance: public liability for your services, but also for visitors to your home.

Permission from your landlord / mortgage provider? Shouldn't be unreasonably refused by a landlord, but will be a clause in your tenancy agreement. not to cause 'nuisance'.

Registered as self-employed with HMRC? Have worked out your likely profit from self-employment? If it's going to be less than c. £6000 ask for a certificate of exemption from paying class 2 NICs.

PlutoinCapricorn

Will you be storing a lot of remover and false nails? I guess that they would smoke or flare up if they caught fire.

If there was a fire and this damaged neighbours' property, would your insurance cover this?

Would your neighbours be happy with lots of strangers coming to the area?

AbbieCadabra

have you asked on SalonGeek? they have a specific nail forum & a separate business area too.

is it gel polish or normal? you'll need to be careful with sunlight coming through the window if it's gel

if the council are happy, that should be fine, just try to avoid any parking or noise issues with clients coming & going, they seem to be the main reason for complaints from neighbours.

HMRC info on self employment

good luck

InsideInsurance

Savvy_Sue wrote: »

Permission from your landlord / mortgage provider? Shouldn't be unreasonably refused by a landlord, but will be a clause in your tenancy agreement. not to cause 'nuisance'.

There is a reasonable chance a landlord would refuse it as it will probably invalidate their Landlords insurance due to business activities and business visitors. Similarly can cause problems for their mortgage and they will also probably want to check a change of use planning permission isnt required which they may not be bothered to do.

Assuming there is no landlord/ mortgage issue however you will need to speak to your Home insurers, as per your Landlord's, its highly unlikely they will want to continue to insurer the property in which case you will need to speak to a local broker, not Swinton, to find a suitable policy that will cover you given the stock and visitors.

Savvy_Sue

That's a reasonable refusal ...

minimoneysaver

Landlord? It's my own home. I agree to let myself

The council were happy about it and my next door neighbour is in the planning department, so no worries there.

I'm hiring an accountant who was recommended by friends and said neighbour.

It's not going to be full-time, as I am disabled and there is no way I'll be able to do more than a couple a day. I've got an ergononmic chair and vented desk to protect myself. I also have a very comprehensive first aid kit with extra eye washes for chemicals. A first aid sticker on the cupboard door where the kit is and I've ordered a first aid kit. I've also ordered a barbicide jar and solution. Insurance is also sorted.

Thanks everyone!

Savvy_Sue

minimoneysaver wrote: »

Landlord? It's my own home. I agree to let myself

Check the terms of your mortgage agreement then. You may be obliged to inform them if you are running a business from home.