Manchester based freelance PR consultant Sara Teiger, of STPR, has had two children while maintaining a successful freelance business.
Sara is in fact one of many freelance mums juggling motherhood with running a business. Research shows that 14% of UK freelancers are working mums. That’s 605,000 freelancers in total – a 60% increase from 2008 (1).
With this substantial increase over the last decade, it’s clear that the flexibility of freelancing is ideal for many working parents.
While the benefits to choosing a career as a freelancer when you’re a parent are great, freelancing post birth can be difficult.
In comparison to taking a few weeks off for a holiday, taking time off after giving birth or adopting a child requires more careful thought and planning.
Knowing how to take time off, or rather how much time you should take off post birth, while maintaining your business, can be hard to figure out.
To help with this, Sara shares her experience of taking time off post birth and advice for freelance parents to be.
The amount of time taken off work post birth, greatly varies from freelancer to freelancer. Some freelancers might need to get back to work right away while others may decide to take a long-term career break.
Everyone’s personal circumstances are different and factors like finances and your family dynamic will impact how much time off you decide to take.
It’s estimated that freelancers take around six weeks of parental leave after the birth or adoption of their child (1). By comparison, UK employees are eligible for up to 37 weeks of paid leave, shared between the two parents.
Sara says: “With my first child, I retained one client throughout, sub-contracting the rest of my work to a freelance colleague. I had also let my work run down, by not taking on any new contracts as the pregnancy progressed. I gradually picked up more work as they got older and started part time at nursery.”
“With my second child, I took six months off and then gradually reintroduced work. From about one year in, I paid a friend to look after the youngest two mornings a week at my house, while the older child was at nursery. Once both were at school, I was able to up my hours, but even now when they are 12 and 9, I still work around the school day.”
Sara says: “Clients knew I was pregnant and would be taking time off from about four or five months into the pregnancies.”
“I never had any negative feedback from clients about taking time off. Several sent me lovely gifts when my children were born and checked in with supportive emails whilst I was on leave.”
At this point, it’s also wise to let your clients know if you’ll be supplying a substitute in the interim.
Sara says: “I didn’t initiate contact with clients during my maternity leaves because freelance colleagues were looking after the work, but I responded if they messaged to ask me how things were going.”
If you’re planning on claiming Maternity Allowance, it’s important to note that during your time off, you’re only allowed up to 10 ‘keeping in touch days’ with clients (2).
Whilst your contract may allow you to send a substitute, the same contract may also make you liable for their work. If that work falls short of the client’s expectations, you could find that you are on the receiving end of a professional indemnity claim.
Having a professional indemnity insurance policy, which includes cover for a substitute person, will provide you with support including legal defence costs and the cost of putting right any errors.
It’s important to understand your contractual obligations when it comes to sending a substitute as there may be requirements around suitable notice to your client and additional insurance requirements.
As a genuinely self-employed freelancer or contractor working through a limited company, it should be acceptable for you to provide a client with a freelance substitute who can provide the same service.
Having this clause in your contract is a key part of proving you are a genuinely self-employed contractor working outside IR35.
If a client refuses a substitute and wants you to personally carry out the work, point them to the clause in your contract that states your right to substitute.
Ensure that this clause specifies your right to find and provide the substitute yourself.
If a client still tries to refuse, Tax and Legal Expenses Insurance can provide cover for the cost incurred for many contract disputes and provide a legal helpline for the policyholder to contact.
Sara says: “I really didn’t do any of this as there was no time or headspace. But nine years after the birth of my second child, I am busy and my freelancing is still going well.”
“Don’t put unnecessary pressure on yourself when you have a young baby. You can always pick things up again when the time is right.”
For anyone wondering, carrying out necessary administration for your business while claiming Maternity Allowance does not count as a keeping in touch day.
When it comes to preparing yourself financially, Sara says: “In the years running up to becoming pregnant I worked hard and could often be heard telling people that I was ‘earning my maternity leave’”.
“You do need to think about gathering a pot of money to see you through as Maternity Allowance alone is not enough.”
Here’s some other key preparations to consider:
To find out more about Sara, visit www.STPR.co.uk
For more information on how you can stay protected with Freelance Insurance, call our friendly team of experts today on 0333 321 1403, or click to get a quick online quote in minutes!