3) Be open to employment. By this we don’t mean working, we mean PAYE. Changes in how HMRC treats self-employment mean that a lot of subbie jobs are not above board. Could you be seen as a disguised employee? There may be fines to pay if you are. A day rate might sound amazing, but you could be skating on this ice and, apart from that, many of the benefits of employment (like the ability to get a mortgage, have holiday pay, sick pay, insurance, PPE... the list goes on) outweigh the risks of subbing.
Theres actually an interesting thread going on about this at the moment right here...
Personally I don't see why anyone should be 'open to employment'. If they have what it takes to be self employed then it is a far better way of life in my opinion. And by what it takes, I mean being reliable, hard working, and motivated.
Yes a day rate does sound amazing, specially when its job and knock, but as for all the things you mentioned ie holiday pay, insurance, ppe etc, this should all be accounted for in your day rate, so as long as you're not underselling yourself those reasons are null and void. I'll just dissect those a little further though..
Ability to get a mortgage
Never affected me. As long as you are keeping your books then I don't see why it should be a problem for anyone. One of the reasons for being freelance is to earn better money, so unless you are doing something very wrong then there should be no reason why you can't get a mortgage.
Holiday pay
Accounted for in your day rate
Sick pay
Ok you got me with that one. Just dont get sick is my only answer.
Insurance
Freelancers DO NOT need insurance unless they are acting as a bona-fide contractor, and theres not a single freelance climber in the country that will be working as a bona-fide contractor. The only insurance you may want to consider is personal accident cover, and whilst thats sensible its certainly not a requirement. If you are a freelancer and one of your customers is telling you that you have to have your own insurance they are simply wrong or mis-informed by their own insurance company, in which case please direct them to this article:
What is a bona-fide sub-contractor? | Tree Surgeon Insurance
TREESURGEONINSURANCE.CO.UK
What is a bona-fide sub-contractor and do I need Employers' Liability Insurance? We discuss these questions for Tree Surgeons.
PPE
Covered in your day rate, and as an added bonus you can buy whatever PPE you choose! No getting stuck with a pair of trousers that aren't a good fit for you just because they are the only type your employer keeps in the store room. And I dont just mean size, but every brand has a different fit to them and some just dont work with certain body types.
Likewise with harnesses, climbing devices, ropes etc, you get to pick exactly what you want rather than whats in the stores. Theres barely a tree climber in the business that isn't a bit of a gear junky, especially in their first few years, so being self employed and being able to buy whatever you want whenever you want is a big attraction.