The only insurance you really need to start with is:

Contents Insurance!


If your where to work in an office / public place (where public 'step into' your office) - then you would need public liability insurance.


There might be some other minor ones, but thats it.

This is your first client, there's no harm in under charging them.


Make sure they know you undercharged them at some point.... This will stop them "refering people to you cos your 'cheaper'"....

Lowering your price slightly help's attract new clients especially when you first start off! Dont do them too low, cheap = not good.

V.A.T Is not needed... infact, you proberly wont need to be v.a.t registered for the future either. :)

Just send them an invoice for £500. With details of how to pay you and within a time limit... (within 30 days MAX).

Also, for the invoice number...add a few digits e.g:

invoice #234 (even though it is your first)

This way, it makes you look more experience.


Sorry if you know that already, just thought I'd help 🙂