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I'm confused by your statement (my bold) why would you keep claiming from your liability insurance??The first £1000 you earn doesn't have to be declared, by the time i've earnt this from smaller jobs I can step up a bit and take on the harder stuff. If u have liability insurance then really your covered. It's just if I keep claiming on the liability insurance my quotes are bound to skyrocket.
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Isn't being self employed different to running a business as you wouldn't have to pay employees? The only expenses really are insurance, tools, registering with a scheme, materials. Ideally I would like to work as a mate, but it all depends if I can get that - nobody has replied to my gumtree ad.
Also, being self-employed is not all fine and rosy, its hard work and it takes a while to build up a good reputation and client base.
My opinion (based on what you have posted), you are not ready to go self employed alone as an electrician.
My advice, try and get some more experience for a year or two, then re-evaluate then to see if self employed is the right thing for you.