Its my brother from another mother...
Tom, if your gonna set your TPE co. up ensure what transport you use has the correct commercial insurance. My run in with a bus had 28k worth of personal injury claims, Aviva appointed an accident investigation co. who attended our premises & went though the far end of a fart looking for way to try & void the policy.
Which brings me back to post 2, if life goes pair shaped & you had to find 40k or whatever to pay Aviva off, would you rather be a ltd co. or as a sole trader?