In 1942, the architect of the welfare state, Sir William Beveridge, characterised the self-employed as “small shopkeepers, crofters, fishermen, hawkers, outworkers”. Suffice to say that times change and with the number of people self-employed burgeoning – up to 4.62 million and 15% of the UK’s workforce – understanding the characteristics of this group vital. Earlier this week, Bright Blue published its report Standing alone? which focuses on self-employed individuals who are in low income households - households with income below…