Sole Trader Archives

Sole Trader vs Limited Company Insurance: What’s Different

For UK business owners, choosing between operating as a sole trader or a limited company comes with a variety of considerations, including how insurance is arranged. Both business structures face risks, but the type and structure of cover needed can vary. We support business owners in understanding these differences and arranging insurance policies suited to […]

Public Liability, Tools Cover, or Both? Choosing the Right Sole Trader Insurance

Running a business as a sole trader in the UK often means managing multiple responsibilities, including arranging the right insurance. Whether providing a trade service, consultancy, or creative work, choosing the correct cover is key for both protection and client confidence. We support sole traders in arranging insurance policies suited to their specific needs. What […]

Do You Really Need Insurance as a Sole Trader? A No-Nonsense Guide

Sole traders play a vital role in the UK economy. Whether working as a tradesperson, consultant, or creative professional, running your own business means taking on both opportunities and risks. One key consideration is whether sole-trader insurance is necessary, and what types of cover could genuinely protect your business. We help sole traders arrange tailored […]

Self‑Employed Insurance Essentials: Public Liability, Tool Cover & More

Operating as a self-employed professional in the UK can bring a range of opportunities, but it may also expose individuals to certain risks. From potential claims made by clients or the public to damage or theft of essential tools, business insurance for the self-employed could offer vital protection. In this guide, we explore the core […]

Do Self-Employed Plumbers Need Insurance? Everything You Should Know

Working as a self-employed plumber can bring freedom and flexibility, but it also means taking full responsibility if things go wrong. Plumber insurance is designed to help protect your business against unexpected costs if a claim arises. In this guide, we explain what insurance covers self-employed plumbers might need, why it matters, and how brokers […]

Do You Need Electrician Insurance as a Sole Trader or Contractor? Find Out Today

Working as an electrician comes with risks, whether operating as a sole trader or a contractor. Having the right electrician insurance helps protect your business against legal actions, insurance claims, and unexpected costs. We explain why insurance is designed for electricians, what it can cover, and why both sole traders and contractors should consider it. […]

Do You Need Tools Insurance If You’re Self‑Employed or a Sole Trader?

If you are a self‑employed professional or sole trader, your tools and equipment often represent your livelihood. Whether you are a builder, electrician, hair stylist, engineer or tradesperson, working without essential tools due to theft, damage or loss could cause major delays and financial stress. This is where tools and equipment insurance can play a […]

Limited Company vs Sole Trader: Contractor Insurance Differences

When getting contractor insurance in the UK, it is important to know how things can change. This depends on whether you work as a limited company or as a sole trader. Both business types may face similar risks, but the type of cover and who is responsible for insurance claims could differ. We explain how […]