Run a 15-minute MOT on your business every three months, and catch trouble before it catches you.
For sole traders running on instinct who want something less than an accountant. 35-item check covering insurance, tax, equipment, H&S, compliance and admin.
Business Health Score
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📅 Set a reminder
Do this every January, April, July, and October. Put a recurring quarterly reminder in your phone — 15 minutes every three months saves hours of firefighting.
What the law actually says
- •Lapsed Public Liability or Employer's Liability insurance is a strict-liability offence under the Employers' Liability (Compulsory Insurance) Act 1969 (£2,500/day fine for missing EL).
- •Out-of-date PAT, LOLER and PUWER records can't be retrofitted. Any incident in the gap is on you.
- •Most CIS, VAT and self-assessment penalties escalate at 3, 6 and 12 months. Catching them at quarter end is the difference between a small fix and a big bill.
What to do next
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