Self-Employed Insurance

Flexible Business Insurance for Self-Employed Professionals

Being self-employed offers flexibility and independence but also comes with direct responsibility for managing business risks. Self-employed insurance can provide essential protection for individuals working without the security of a larger organisation. As brokers, we can help you compare self-employed insurance options from leading UK insurers to help you find cover that could suit your profession and way of working.
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How It Works

1

Call us or complete our online quote form. We’ll collect a few key details about your business.

2

We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.

3

We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.

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Why Choose Us for Self-Employed Business Insurance?

Access to a wide panel of UK insurers
Fast quote comparisons tailored to self-employed professionals
Flexible cover options to suit specific business types and budgets
Support from experienced insurance brokers
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What Is Self-Employed Insurance?

Self-employed insurance refers to a collection of business insurance products tailored to meet the needs of individuals working for themselves. As a self-employed professional, you may face direct responsibility for work outcomes, client safety, and business assets. Self-employed insurance can help support you in managing these risks.

Who May Need Self-Employed Insurance?

Self-employed insurance can suit a wide range of professionals and trades, including:

Whether you work from home, on-site, or run a mobile business, self-employed insurance can help protect your work, assets, and reputation.

 

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What Can Self-Employed Insurance Cover?

1. Public Liability Insurance

Public liability insurance can offer protection if a third party suffers injury or property damage connected to your work or your premises. This is widely considered essential for self-employed professionals who interact with the public or work on client sites.

2. Employers’ Liability Insurance

Employers’ liability insurance can be required by law if you employ staff, subcontractors, or apprentices. It can cover claims made by employees for work-related injuries or illnesses.

3. Professional Indemnity Insurance

Professional indemnity insurance can provide protection if a client alleges that your advice, services, or designs caused them financial loss or reputational damage. This is particularly relevant for consultants, designers, and freelancers offering professional services.

4. Business Interruption Insurance

Business interruption insurance can help cover lost income if you are temporarily unable to trade due to insured events such as fire, flood, or equipment failure.

5. Tools and Equipment Insurance

Tools and equipment insurance can offer protection for essential work items against theft, accidental damage, or loss. Cover can apply whether equipment is stored at home, in vehicles, or on-site.

6. Personal Accident Cover

Personal accident cover can provide financial assistance if you suffer an injury that prevents you from working, helping with potential loss of income during your recovery.

FAQs

Public liability insurance is not legally required but is often considered essential. Employers’ liability insurance is typically required if you employ staff or apprentices.

Yes, policies can often be tailored to cover multiple work types, provided all activities are disclosed when arranging cover.

Yes, self-employed insurance can include cover for business activities conducted from home, including liability, tools, and stock stored on the premises.

Yes, some insurers offer cover for work in high-risk settings, though this may affect premium costs. It is essential to declare this when obtaining quotes.

Tools and equipment insurance can provide cover for items stored in vehicles, though insurers may require specific security arrangements.

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