Self-employed business insurance can provide vital financial protection for sole ...
Self-Employed Insurance
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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Call us or complete our online quote form. We’ll collect a few key details about your business.
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We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.
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We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.
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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:
- Tradespeople such as plumbers, electricians, and builders
- Freelancers and consultants
- Creative professionals such as designers, writers, and photographers
- Mobile service providers including hairdressers, cleaners, and technicians
- Shop owners and sole traders
- Contractors and specialists working on client sites
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.