Self-employed & sole traders

Keep your work, payments and reputation protected

Guidance for consultants, creatives, tradespeople, freelancers and micro-business owners who run invoices, customer messages, banking and marketing from a small number of devices.

First actions

Small business, small attack surface

Focus on controls that are simple to maintain when you are also doing the actual work.

Separate work and personal accounts

Use a dedicated business email and separate passwords for banking, invoicing, design, cloud and social tools.

Secure invoices

Tell clients how bank detail changes will be confirmed and add a warning to invoices about payment redirection scams.

Back up work product

Store proposals, contracts, source files and tax records in at least two locations, with one not always connected.

Protect your public profile

Turn on MFA for social media and website admin accounts, especially if clients find you through those channels.

Sample guidance

Everyday solo risks

Invoices

Prevent payment diversion

Send bank details through a trusted channel, confirm unusual payment requests and do not approve changes from email alone.

Devices

Make your laptop recoverable

Use disk encryption, automatic updates, device tracking and cloud backup for work folders.

Client data

Keep only what you need

Delete old copies of IDs, payslips, addresses and customer forms unless you have a clear business reason to retain them.

Travel

Work safely on public Wi-Fi

Prefer mobile data or a trusted hotspot, avoid shared devices and lock screens when working from cafes or client sites.

Checklist

Friday admin review

  • Check whether every invoice and payment app has MFA enabled.
  • Back up current work and confirm files open from the backup.
  • Review unpaid invoices for suspicious payment query threads.
  • Update your device and browser before the next work week.
  • Remove client files you no longer need to keep.