Freelance insurance that protects your livelihood
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Insure your freelance business for liability with zero hassle
Freelance insurance is a public liability policy that protects self-employed individuals across industries, safeguarding against claims for injuries or property damage resulting from their work. It offers peace of mind, enabling freelancers to focus on their projects without worrying about unexpected liabilities.
In partnership with some of the leading UK insurers, we’ll not only get you a better freelance insurance deal with the best cover available, we work hard to keep you as a customer year after year.
Whatever you do for business, whether you’re a sole trader or limited business owner, we understand that you need to protect your livelihood.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We compare the market to find the right deal for you as a freelancer.
World-class support
You’ll get your own UK-based human to look after you for the duration of your policy.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable public liability insurance prices. Get a freelance liability insurance quote today.
With over 50 years of experience providing top-quality insurance for public liability, you can be sure we’ve got you covered.
What is freelance insurance?
It covers a range of scenarios where your freelance business could be held legally responsible for causing harm or damage.
Some key areas it typically includes are injury to third parties, damage to third-party property, legal expenses, and compensation claims.
Public liability insurance is crucial to freelancers for several reasons:
- Business reputation: Insurance helps establish trust with clients by showcasing professionalism.
- Financial protection: Freelancers may face claims for accidents, such as damaging a client’s property during a project. Insurance ensures you’re protected.
- Client Requirements: Many clients prefer or require freelancers to have insurance before working together.
The benefits of a freelance insurance policy
Personal injury claims
Freelance insurance ensures you’re protected if someone is injured due to your work, such as during a client meeting or while using your equipment.
Damage to property
If your activities accidentally damage a client’s property, such as spilling coffee on their computer, this insurance has you covered.
Legal protection
Defending a claim can be costly. Freelance insurance helps cover legal fees, ensuring your business isn’t financially burdened by disputes.
* Subject to your chosen level of policy cover and the prevailing policy excess.
How much does freelance insurance cost?
This depends on the nature and size of your freelance business, the level of risk involved and any claims history you might have.
The cost of public liability insurance varies based on several factors:
Type of cover
The level of cover you choose impacts costs, with standard policies starting at £1 million and options for higher limits, such as £5 million.
Nature of business
Freelancers in higher-risk fields, such as design, may face higher premiums than those in lower-risk roles like writing or consulting.
Location
Where you operate can also influence premiums, with urban areas often incurring higher costs, due to potential higher risks.
Business size and turnover
As a freelancer, your annual turnover will influence your insurance costs. A higher turnover may lead to slightly higher premiums.
Number of employees
While many freelancers work independently, if you hire assistants or subcontractors, your premiums may increase for additional risks.
Claims history
Freelancers with a clean claims history may benefit from lower premiums, while those with a history of claims might face higher costs.
Ready to start saving on your freelance insurance?
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