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Sole trader insurance

Purpose-built, comprehensive insurance for sole-traders. We offer flexible monthly subscription policies and a range of award-winning, innovative covers providing advanced level of protection.

Build bespoke protection

From£
5.13
per month

We worked in partnership with leading underwriters to re-design a comprehensive range of covers specifically to meet the needs of modern businesses and the new and emerging threats they face. Powered by leading tech to provide highly-tailored protection at a competitive premium.

  • Pay by the month
  • Change your cover anytime
  • Make changes without fees
  • Instant documents

Only pay for what you need, when you need it. Update or cancel your cover at any time, free of charge.

What does sole trader public liability insurance include?

Being your own boss exposes you to risks you wouldn't face as a traditional employee. Find out what type of cover you might want to consider.

Mistakes in the services you provide

Clients pay for your knowledge and expertise, but what if you make a mistake? If your advice doesn't work out as expected, you could face a lawsuit, with legal costs and compensation to pay. If that happens, professional indemnity cover (PI) will ensure you're protected. Plus, clients may insist you have it – so it could help you win assignments (or not lose them!)

Cyber and data threats

If you work remotely and handle a lot of client data then you could be at risk of a cyber-attack or data breach. Cyber insurance for freelancers will protect you for a breach of data protection laws (where insurable by law) and your liability for handling data, as well as cover for extortion, system rectification costs, plus PR expenses and financial loss due to system downtime.

Moments of clumsiness

Our public liability insurance for freelancers will protect you if you cause injury or property damage to a third party, either at your home office, co-working space, at a client's office, or when out and about. It's also worth bearing in mind that some of your clients, or even suppliers, might ask you to have PL, so make sure your minimum cover limit meets their requirements as well as your own.

Tools of the trade

Whatever kit you rely on, whether that's a laptop, filming equipment or more technical machinery, having it lost, stolen or damaged will leave you high and dry. With our freelance contents insurance and equipment cover, we'll replace your gear and have you back up and running in no time. And unlike with many providers, being based in a co-working space is no problem.

We've made insuring your business so simple, you'll be covered in less than 10 minutes

Get your business insurance in less than 10 minutes

Pick from our broad range of specialist covers and tailor them to your business to get the exact protection you need. Change or cancel it anytime from your online account.

Essential covers

From
£5.13
per month

Essential for all businesses needing protection against bodily injury and lost or damaged property.

Select from:

Professional covers

From
£7.58
per month

Protect against risks associated with the professional services you provide and the way you market your business.

Select from:

Extras

From
£10.08
per month

Boost your cover:

We insure thousands of innovative businesses

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Authorised by the FCA

The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.