Sole Trader Insurance

Flexible Insurance for Sole Traders and Self-Employed Professionals

Working as a sole trader comes with valuable freedom but also unique responsibilities and risks. Sole trader insurance can offer protection against claims, equipment damage, and other unexpected events that may affect your business.
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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 Sole Trader Insurance?

Access to a wide panel of insurers offering flexible cover
Fast and easy quote comparison
Support from experienced business insurance brokers
Customisable options to suit your individual work and budget
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What Is Sole Trader Insurance?

Sole trader insurance refers to a range of business insurance products designed for individuals who work for themselves. It can offer protection against risks faced by sole traders, including injury claims, client disputes, property damage, and theft of tools or equipment.

Who May Need Sole Trader Insurance?

Sole trader insurance can be relevant for:

  • Self-employed tradespeople such as plumbers, electricians, and builders
  • Freelancers and consultants
  • Shop owners and independent retailers
  • Mobile service providers such as hairdressers or cleaners
  • Creative professionals, such as designers and photographers
  • Sole traders operating from home, client sites, or public spaces

Whether you work with the public, supply goods, or offer professional services, tailored insurance can help protect your business.

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What Can Sole Trader Insurance Cover?

1. Public Liability Insurance

Public liability insurance can provide protection if a member of the public suffers injury or property damage due to your work. This is often considered essential for sole traders who regularly work on client premises or interact with customers.

2. Employers’ Liability Insurance

Employers’ liability insurance can be required by law if you employ staff, apprentices, or subcontractors. It can cover claims from employees who suffer illness or injury as a result of their work.

3. Professional Indemnity Insurance

Professional indemnity insurance can offer protection if a client alleges that your advice, services, or designs caused them financial loss or reputational harm.

4. Tools and Equipment Insurance

Tools and equipment insurance can help protect essential items used to carry out your work, covering theft, accidental damage, or loss. This can apply whether tools are stored at home, on-site, or in vehicles.

5. Business Interruption Insurance

Business interruption insurance can provide financial support if you are unable to trade due to insured events such as fire, flood, or equipment failure.

6. Personal Accident Cover

Personal accident cover can offer financial support if you suffer an injury that prevents you from working, helping with loss of income during recovery.

FAQs

Public liability insurance is not legally required, but many clients may expect it. Employers’ liability insurance is typically required if you employ staff.

Yes, many policies can be tailored to cover a range of work activities, provided all activities are declared when arranging the cover.

Yes, insurance can be arranged to cover business activities carried out from home, including liability, tools, and stock stored on the premises.

Policies can often be arranged to cover work at height, construction sites, or hazardous environments, but it is essential to declare this when comparing quotes.

Yes, many insurers offer tools and equipment cover for items stored in vehicles, though they may specify security requirements.

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OR CALL 0330 054 0545
START YOUR QUOTE OR CALL 0330 054 0545

Helpful Articles & Updates

Stay protected with tailored insurance advice, tax tips, and compliance help for sole traders in any industry.