We've been helping Australians for 100 years

NRMA Insurance blog

Working Well: knowing the signs of stress when self-employed

By Dr Leanne Faulkner
13 July, 2026
3 min
WRITTEN BY HUMANS

Owning and operating your own business is a big undertaking. Dr Leanne Faulkner explains the common signs of stress, and ways to help ease overwhelm.

This post was written by Dr Leanne Faulkner, a small business mental health expert. Dr Faulkner’s PhD focused on the unique mental health hazards faced by sole-traders and micro-business owners. She has consulted on many national small business mental health programs to support the self-employed.

Share this story:

Business ownership can be tough

Owning and growing a small business can be challenging at times. The transition from being an expert in your field, to needing broader business skills, can sometimes feel stressful and lonely.

Many people choose to work for themselves in the hope it delivers greater flexibility and freedom over the work they do. However, if the reality is long hours, competitive markets, and demanding clients, the demands of work can start to result in feelings of stress and overwhelm.

Identify stress at work early

Of course, we all have good and bad days, that’s a normal part of life. However, if the challenging days become more regular, it’s time to take notice. If you can recognise the signs that might suggest ongoing stress at work, you’ll be better equipped to take action and address it.

Sometimes, we’re so focused on work, we simply don’t see the signs in ourselves. However, the people close to us might notice and share their concerns. If they do, it’s usually worth listening to them.

Four common signs of stress:

  • Poor sleep habits. You might find it difficult to get to sleep or wake up very early thinking about work.

  • Always thinking about work. It becomes difficult to enjoy social events, hobbies or activities because you’re constantly thinking about work.

  • Changes in eating or drinking habits. Eating more or less than usual or drinking more alcohol.

  • Ignoring others or being unusually slow to respond. Becoming avoidant, such as not replying to emails, avoiding calls, or missing events.

Taking the next step

We’ve talked about four common signs of work-based stress, and the importance of identifying it early. What can you do next? The good news is there are many ways to boost wellbeing at work. One easy, yet effective method, is to write down what’s worrying you at work. Once you complete your list, think about a trusted person you could share it with. This might be a partner, friend, business colleague or counsellor. Sometimes, just talking about your concerns with someone else makes the situation easier to manage, and less worrying. A big bonus is you can do this almost anywhere, like over a coffee catch-up, or going for a walk together. Sharing what’s on your mind is a simple first step to reducing stress at work. Follow along for more innovative and easy ways to manage stress when you’re a small business owner.

This NRMA Insurance Working Well blog post series will provide you with ideas and tips to help address the stress you might feel at work. There’s also great resources freely available if needed, like the Beyond Blue New Access for Small Business Owners program.

Helping you protect your labour of love

Get cover for your small business with options for Public Liability cover and Professional Indemnity Insurance.

Insurance issued by Insurance Australia Limited trading as NRMA Insurance. Information on the NRMA Insurance Blog is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from nrma.com.au.

Information is current as at the date of publication and may be subject to change. All content on the NRMA Insurance Blog is intended to be general in nature and does not constitute and is not intended to be professional advice. It does not take into account your individual objectives, financial situation or needs. References to third-party organisations, products, services or brands on the NRMA Insurance Blog are for informational purposes only and do not imply any affiliation with or endorsement by NRMA Insurance, unless expressly stated otherwise.

Tags

Mental health Small business Stress Working well

Related articles

  • 20 April, 2026
    Business | NRMA Insurance Blog

    Getting your small business ready for Payday Super

    Read article
    Small business Business
  • Barista hands take-away coffees and treats over a counter
    02 June, 2025
    Business | NRMA Insurance Blog

    Small business insurance explained

    Read article
    Insurance Guide Side hustle Small business
  • 25 November, 2024
    Business | NRMA Insurance Blog

    Preventing injuries in the workplace

    Read article
    Business Workplace safety