Работа като самонаето лице

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Ако обмисляте варианта да работите като самонаето лице (self-employed), преди това трябва да се запознаете с различните форми на работа и да изберете най-подходящата за вас и вашия бизнес. Може да развивате бизнеса си под една от следните форми:

  • Едноличен търговец (Sole Trader) – най-лесната форма за започване на бизнес;
  • Съдружие (Partnership) – като едноличен търговец, само че бизнесът се ръководи от двама или повече души;
  • Дружество с ограничена отговорност (Limited company) – разделя бизнеса от управляващите го хора и той е напълно самостоятелен, регистрира се по-трудно и струва повече.

В допълнение на тези форми, самонаемането включва и една от следните практики:

  • Кооперативна – представлява бизнес, който се притежава и ръководи от хората, които работят в него, като минимумът трябва да е двама души;
  • Франчайз – предоставя право за пласиране на стоки в определен район и е споразумение, според което човек закупува правото си да оглави клон от даден бизнес, основан от някой друг.

От особена важност е да пазите и съхранявате добре информацията и данните на вашия нов бизнес. Имате възможност да водите сами счетоводството си или да си намерите счетоводител, който да ви предостави тази услуга срещу заплащане. Тук е важно да се допълни, че ако търговската ви дейност е с ограничена отговорност, трябва задължително да си наемете счетоводител.

Данъци

Като вече самонаето лице, ще ви се налага да плащате различни данъци. Ще бъдете отговорни за плащането на подоходен данък (income tax) върху доходите си. Има данъчни облекчения за самонаети лица, които не са възможни за останалите хора. Ако сте самонает отскоро, трябва да се регистрирате при Inland Revenue, като това може да стане по телефона на номер 08459 15415. Трябва да имате издаден национален осигурителен номер (NINo), за да може да се регистрирате. Препоръчително е да имате счетоводител, който ще ви информира и насочва какви данъци трябва да плащате.

Офис помещение

Използването на вашия дом за офис помещение е добра идея и така ще намалите разходите си, но преди да направите товаq трябва да се убедите, че във вашият договор за наем или ипотека или в актовете за собственост, няма поставени ограничения за това. Може да ви е необходимо и разрешение от местните власти. Ако искате да закупите или наемете помещение за офис, трябва да се уверите, че има разрешение това помещение да се използва с такава цел.

Като самонаето лице, вие сте длъжни да се уверите, че помещението ви отговаря на изискванията за здраве и безопасност. Повече информация за това може да получите от местните изпълнителни органи.

Застраховка

Според това какъв е вашият бизнес, законът ще изисква да имате определени застраховки. Някои застраховки не са задължителни, но вие сами трябва да прецените кои са подходящите за вас.

  • Застраховка отговорност на работодателя – ако мислите да наемате други хора, трябва да имате тази застраховка, защото тя покрива жалбите на служителите, ако се разболеят или пострадат по време на работа;
  • Застраховка на превозните средства – служебните превозни средства трябва да имат застраховка за служебни цели, независимо дали имат такава за лично ползване;
  • Застраховка публична отговорност – покрива жалбите от лица, които са претърпели имуществени вреди вследствие на вашата работа или на вашите служители;
  • Имуществена застраховка – трябва да имате застраховка за служебно помещение, дори и то да е вашият дом, застраховката покрива само обитаването на жилището;
  • Застраховка на оборудване, стоки и материали – покрива евентуални щети по оборудване и др. в помещението, в което ги държите, дори то да е вашият дом;
  • Застраховка здраве и злополуки – ако сте неработоспособни поради инцидент по време на работа, ще ви се изплаща определена сума за това.

Емиграционен статут

Българите имат право да започнат работа като самонаети, без да получават разрешение. След като започнете работа трябва да се регистрирате в HMRC. За да се регистрирате като самонает, трябва да имате Национален осигурителен номер (NINo). За повече информация около кандидатстването и получаването на NIN, прочетете тази статия.

Наемане на други хора

Ако искате да наемете и други хора, които да работят за вас, вие ще трябва да отговаряте за изплащането на заплати, данъци и осигуровки. Ще трябва да отговаряте и на изискванията на служебния закон и на мерките за безопасност на работа.

Помощи и данъчни кредити

Като самонаето лице може да имате право на помощи и данъчни кредити, които зависят от обстоятелствата ви и доходите, които имате.

Търговски марки и лицензи

Ако искате да използвате търговска марка за вашия бизнесq трябва да знаете, че има ограничение върху марките. Може да ви е необходим и лиценз, което зависи от бизнеса, който ръководите.

Допълнителна помощ при започването на бизнес

Обърнете се към банките, те могат да ви помогнат и да ви дадат информация, ако искате да започнете някакъв бизнес. Ето и някои други места, където може да намерите информация и да получите помощ:

  • Chamber of Commerce, които дават информация, съвет или бизнес обучение в града или областта. Повечето от тях дават безплатен съвет на членовете си. Някои Chamber of Commerce обслужват определени етнически малцинствени групи;
  • Small Business Service (тел. линия за помощ : 0845 600 9006) -правителствена агенция, която осигурява обща информация за това, как да стартирате малък бизнес. Тя ръководи Business Link National Contact Centre (www.businesslink.gov.uk), който е съставен, за да предоставя информация и съвет за малкия бизнес във Великобритания. Освен това, тя ръководи вътрешна мрежа от местни доставчици, които могат да ви дадат независим и безпристрастен съвет;
  • Countryside Agency (единствено в Англия: 01242 521381; www.countryside.gov.uk) – може да помогне за малкия бизнес в провинциалните райони. Обикновено, агенцията помага на производството и услугите, както и бизнеса с по-малко от 20 служителя, така че няма да осигури помощ в областта на агробизнеса и култивацията;
  • Local enterprise agency – дават безплатен съвет в подкрепа на малкия бизнес. Провеждат се и образователни курсове, които обикновено са безплатни. Подробна информация за local enterprise agency можете да получите от National Federation of Enterprise Agencies (01234 831 623; www.nfea.com, илиwww.smallbusinessadvice.org.uk – за бизнес съвет);
  • National Federation of Small Businessies (01253 336 000; www.fsb.org.uk) – организирана група, която защитава интересите на самонаетите лица;
  • British Franchise Association (01491 578049) – търговска организация за пласментните компании. Тя е съставена, за да определя стандартите и да стимулира пласмента;
  • Price’s Trust (0800 842 842) – помага на безработните хора на възраст между 18 и 30 години да започнат собствен бизнес. В Шотландия възрастовата граница е 18-25 години. Price’s Trust могат да дават заеми, бизнес съвети и помощ при маркетинга. Особено се стараят да помогнат на хората от етническите малцинствени групи, хората с физическо увреждане и бивши криминално проявени лица;
  • Livewire (0191 261 5584; www.shell-livewire.org.uk) – национална програма, спонсорирана от Shell, в помощ на младите хора на възраст между 16 и 30 години, които желаят да започнат свой бизнес. Младите хора, които имат проекти, могат да обсъдят идеите си с местни съветници, вследствие на което може да им бъде даден финансов стимул. Обикновено, всяка година има крайна дата за програмата. Всеки кандидат за програмата трябва да бъде прикрепен към съветник, който ще му предоставя индивидуална помощ за планиране и развитие на бизнес идеята;
  • Instant Muscle (020 8319 5660) – благотворително дружество, което помага на безработните хора да започнат свой бизнес или да си намерят работа. Осигурява обучение, практически съвети, помощ при подготовката на бизнес план и индивидуален бизнес съвет. Instant Muscle осигуряват и съвет през първите две години в областта на търговията;
  • Co-operative UK (0161 246 2959) – национална федерация за работнически кооперативи. Тя осигурява примерни правила и примерни трудови договори, които се използват от повечето кооперативи във Великобритания. Тя дава съвет за съставянето и управлението на даден кооператив, обществен бизнес или обществено предприятие, особено що се касае до необходимите законни изисквания;
  • Brecon Business Centre (01874 610 054) – отговаря за икономическото и социално развитие на среден Уелс. Осигурява съвет и подкрепа за малкия бизнес, включително и съвет относно стартирането на бизнеса, подготовката на бизнес план, дали бизнес идеята е осъществима. Може да помогне при намирането на спонсорство, на подходящо помещение, както и при изграждането на система за финансов контрол, като bookkeeping;
  • Equality Direct (0845 600 3444; www.equalitydirect.org.uk) – поддържа безплатна и дискретна линия за съвет на работодателите. Тя осигурява съвет относно равноправието при управлението на персонала.
    Disabled Enterpreneurs Network (www.disabled-enterpreneurs.net) е регионална мрежа в услуга на хората с физическо увреждане. Тя осигурява съвет и подкрепа за хората с физическо увреждане, които имат или желаят да имат свой собствен бизнес;
  • Jobcentre – осигуряват подробна информация за възможности за работа като самонает за безработните. Те могат да осигурят информация и за стартирането на малък бизнес. За повече информация се свържете се вашия Employment Services Adviser.

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