As regards being a "professional" or not I guess I am somewhere inbetween
I have spent the last 12 months or so renovating a house (i.e. gutting it completely and just getting close to finishing) so I am attempting to make a living out of it.
I only asked about rates as I want to feel comfortable in the amount I ask for doing the job.
As regards insurance, that will be taken care of as the last thing I want would be to screw something up and be liable for it personally.
And as for 'mates rates' I agree with JerryD here, I will be doing what I consider a professional job and would therefore expect a professional rate.
Cheers
Martin