Self-employed
insurance
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Insure your business for liability with zero hassle
Self-employed insurance is a public liability policy tailored to meet the needs of individuals who work for themselves, offering protection against claims from members of the public who may experience injury or property damage related to their work. It ensures self-employed professionals can operate confidently, knowing they are financially safeguarded.
In partnership with some of the leading UK insurers, we’ll not only get you a better self-employed 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 and your business.
World-class support
Our UK-based expert team are here to provide you with dedicated support.
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 self-employed 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 self-employed insurance?
The cover spans a range of situations where the self-employed individual might be held legally liable for harm or damage caused during their work.
Key areas typically included are injury to third parties, damage to third-party property, legal expenses, and compensation claims.
Public liability insurance is crucial if you’re self-employed for several reasons:
- Business reputation: Insurance showcases professionalism and responsibility, helping self-employed professionals gain the trust of clients and build a credible reputation.
- Financial protection: If an accident occurs, such as your work injuring a client or passerby, public liability insurance covers the resulting costs and safeguards your finances.
- Legal compliance: Although not a legal requirement in the UK, public liability insurance is often expected by clients or required by certain industries.
The benefits of a self-employed insurance policy
Personal injury claims
Provides cover if your work or work location injures someone, helping protect you from compensation costs.
Damage to property
Protects you if your work accidentally damages a customer’s property, such as their home, covering the repair or replacement costs.
Legal protection
Helps with the legal costs if you need to defend against a liability claim, even if you’re not at fault.
* Subject to your chosen level of policy cover and the prevailing policy excess.
How much does self-employed insurance cost?
This depends on the nature and size of your 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 significantly impacts cost. Standard policies begin at £1 million, but you can opt for £5 million or £10 million based on your business needs.
Industry type
Higher-risk industries, such as the trades and physical work, typically incur higher premiums than lower-risk professions like consulting or freelancing.
Location
Your business location and the areas you work can influence premiums. Operating in areas with higher claims or crime rates may result in increased costs.
Business size and turnover
The scale of your business, reflected in your turnover, can affect your premium. A higher turnover might lead to higher insurance costs.
Number of employees
If you employ staff or subcontractors, this can increase your premiums due to the additional risks associated with more workers.
Claims history
A history of claims may make you a higher risk to insurers, leading to higher premiums. Conversely, a clean record can help lower costs.
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