The business and the household share an address, a bank account and the risk
A business run from home starts as an extension of the household and never gets separated, because separating it costs money at a point when the business is small.
A sole trader carries trading liability personally, and personally held or jointly held property sits behind it. An uninsured liability, a disputed job or a customer failure lands on the household rather than on the business.
We look at what the business does, what it owns and who could realistically claim against it, then advise on the structure that matches and what changing it would cost. We do not recommend a structure the business does not need.
