Self Employed, Freelance and Sole Trader Insurance

Self-employed business insurance, freelance insurance and sole trader liability insurance - tailored packages for any profession or business

Self Employed, Freelance and Sole Trader Insurance

Self-employed business insurance, freelance insurance and sole trader liability insurance - tailored packages for any profession or business

Self-employed Insurance

Self-employed insurance provides tailored business insurance protection to those who work for themselves, we offer a wide range of policies to help self-employed business owners reassure their customers, clients, or to satisfy their own peace of mind knowing their business is covered for common risks. Working solo is not without its challenges and it comes with the responsibility that should the worst happen, you are the one who has to deal with the consequences if someone makes a claim against your company.

Our expert business insurance team understand the challenges of self-employed contractors, and that time is money, we'll make sure you have full insurance that reflects your unique setup making the whole process as quick and easy as possible.

Choose from a range of covers to build your self-employed insurance cover on a single policy, core protection include public liability and professional indemnity, and possibly employers' liability if you have one or more employees.

Running a self-employed business when disaster strikes can feel particularly hard to deal with, you might find yourself injured and unable to work, or an unhappy customer might take unexpected legal action against your business. That's when you can rest assured, as our expertly arranged self-employed insurance cover can provide the perfect level of cover, created to protect against any fallout your or your business may face.

Common types of claims

  • A trade worker accidentally injures themselves while tripping over your toolbox on site
  • You accidentally smash a window of a property you are working at
  • You scratch a parked vehicle with your equipment when you walk past

Freelance Insurance

As a freelancer earning your living through your own business, you are considered self-employed. For all the many varieties of freelance and contractors in the UK, one thing remains the same, should anything go wrong, it could fall back on you to provide compensation. For example, if you make a costly mistake or cause injury as a result of your work, even something as simple as spilling a cup of coffee on a client's high-spec laptop could lead to unexpected compensation claims. Freelance insurance from Insync has been specially created from these types of incidents, making it an extremely worthwhile investment to ensure you can continue trading, without the added stress, time pressures or cost implications as we will have all that covered for you.

If you are unsure which types of cover your business needs, we can help you build your freelance insurance policy. Our expert commercial and small business brokers can help you choose the cover you want, with no unnecessary extras.

Contractual self-employed business insurance

For many freelancers and sole traders, it might stipulate in the terms of their contracts that they must be insured in order to win the contract or before you can commence any work. Many companies and authorities expect their contractors to provide their own insurance and cover should anything go wrong. However, it may not be limited to any high-risk roles such as trade services or those more like to result in personal injury, you may still need cover if your line of work involves sharing sensitive information, such as personal data or intellectual property.

It's important to understand which kind of self-employed or freelance insurance your client requires, including the limit or amount of coverage they expect you to have. If in doubt, call our expert team, with years of experience, we can talk you through certain types of insurance which may be commonly expected in your industry or line of work.

Self-employed public liability insurance

Self-employed public liability insurance comes as a core component of our self-employed or sole trader business policies. Even though public liability insurance is not a legal requirement, it can come in extremely valuable and important if your business involves interactions with the public.

With more and more of the population starting their own businesses and becoming their own boss, it's important to realise there are many ways in which your new business could come into contact with clients or members of the public and therefore at risk of a claim. For example, a tradesman who regularly enters customer's houses or an IT professional who is called out to deal with hardware problems on-site or even dog walkers who lose control of a problem puppy. However, there are also some not so obvious or typical accidents which may lead to a public liability claim, even if you don't have a customer-facing business. Regardless of the size of your business and whether you work alone, public liability insurance can cover you if someone else's property is damaged, or someone is hurt or killed as a result of your business activities.

For example, a small detail is overlooked on an electrical installation and a mistake is made while wiring a building which leads to someone getting an electric shock, you could be held liable for their injury.  Or perhaps if you visit a client's home and damage their marble titled floor, you could be facing costly compensation claims made against your business.

What’s more, if you're self-employed, a freelancer or a sole trader, the legal proceedings that may result could consume a lot of your valuable time, energy and finances. Whether you were to be found at fault or not, the legal costs could damage your business, even causing irreparable damage.

Public Liability does not cover financial losses brought about by your professional negligence. For example, you give bad advice or leak confidential information. In this case, you will need Professional Indemnity Insurance to cover the cost of claims.

Sole Trader Liability Insurance

Sole trader business insurance can cover a range of business types and at Insync we can tailor each and every one of our sole trader Business insurance policies to your individual business and needs. No matter how your business operates, be it from home, a shop, a food or beverage service or even an online business, our policies can cover you and your livelihood.

A top priority for many sole trades is liability insurance and this comes included with any of our business policies. Usually, sole trader liability insurance is needed either because clients require proof of cover before contract work commences or as a self-employed professional you know the risks and responsibilities of your line of work and having this type of insurance in place puts your mind at ease.

You can build a business insurance policy with the cover you need, including public liability insurance, professional indemnity cover or even contents and equipment insurance. Furthermore, we recognise as a sole trader your business is likely to grow, and once you’re at the point of needing an extra pair of hands, you can add employers' liability insurance to your policy.

Usually, the worst-case scenario is very unlikely to happen, but it's worth knowing that if it did, you're covered. Our team of expert business insurance brokers can talk you through whether your line of work needs or requires certain insurances and the likely costs for you if something were to go wrong. If you're worried about damage to your office, or a cost to replace all equipment in event of a fire or burglary or if you just want insurance against being sued, we can arrange all this in a tailored policy.

Need specialist Self Employed Public Liability
Insurance advice?

Speak to one of our Public Liability insurance experts, at a time that suits you...

or call us directly on

01200 309 516

SELF-EMPLOYED & FREELANCE INSURANCE

  • Cover for Self-employed individuals, freelancers, contractors, sole traders

  • Cover for small and medium-sized sole trade and self-employed businesses

  • £1m to £5m Public Liability as standard (higher limits available on request)

  • Financial loss cover option

  • Reputational damage cover option

  • Cover for legal fees and compensation costs

  • Legal fees and compensation award payments

  • Cover for permanent employees, subcontractors and/or temporary workers

  • Specialist or High-risk trade experts

Why Insync for Self-employed

  • We compare prices and cover from leading liability insurers

  • Instant quotations - cover and policy documents in minutes

  • Flexible cover & monthly payments – just pay for the sections you need

  • Expert advice from liability insurance specialists

  • Legal expense cover

  • Personal – Digital servicing AND your own dedicated insurance professional

FAQs for Self-employed Insurance

How do I know if Sole Trader Business applies to me?

Sole trader often referring to both self-employed professionals running their own business or businesses set up as a sole trader entity. These two ways of running a sole trader business make up two-thirds of business in the UK.  Furthermore, it is important to understand also, if you are a single freelance professional running a limited company with no employees some of these insurances may also apply to you. If you are in any doubt, why not give our expert team a call today. 

What does self-employed insurance cover?

Our self-employed insurance policies are all tailored to your individual business needs but could include the following:

  • Public and product liability insurance
  • Employer's liability insurance
  • Business equipment and/or Tool Insurance
  • Professional indemnity insurance 
  • Legal expenses insurance
  • Office Insurance
  • Cyber and data risks insurance
What is sole trader insurance?

Sole trader insurance provides tailored sole trader insurance to professionals who run small or self-employed businesses as the single or the only business owner. Accidents in or at your business could happen at any time, for example, you may damage a client's property, accidentally injure a member of the public, or if you offer consultancy advice or services you may be liable for third parties financial loss due to incorrect or over-looked advice you have given. However, rest assured as at Insync our specialist sole trader insurance can cover all for all these instances and more in one single tailored insurance policy. 

Do you need public liability insurance as a self-employed business or sole trader?

If you run a business which involves meeting members of the public face-to-face, whether this is at your premises or on their premises then there is a risk that you or your business operations could cause them injury, illness or property damage.

The level of public liability insurance you may decide to opt for could depend on the nature of the workplaces you visit or the nature of your home business premises. Limits are usually around £1million to £5million however you may require a higher limit if you work in a hazardous industry or location such as an airport or offshore.

When you work on someone else's premises you may also find your chances of winning the contract or project are dependent on the insurances you have in place. Whilst this is more common for professional indemnity insurance, you may find some potential clients want to see evidence of your public liability insurance too so it could possibly help you to secure future work.

Although it is not compulsory for most businesses, it may be considered essential if you work directly with the public on any level. There are different levels of cover available and many insurers offer policies designed specifically for individual industries or specifically for sole traders.

Is it a legal requirement to have self-employed public liability insurance?

While it is not a legal requirement to have public liability cover, you may be asked to provide proof of cover before commencing a job or before winning a contract. In addition, you may find having PL insurance in place brings you the peace of mind in the day-to-day running of your business, knowing that should anything go wrong you and your livelihood is covered and protected.

How do I know if Sole Trader Business applies to me?

Sole trader often referring to both self-employed professionals running their own business or businesses set up as a sole trader entity. These two ways of running a sole trader business make up two-thirds of business in the UK.  Furthermore, it is important to understand also, if you are a single freelance professional running a limited company with no employees some of these insurances may also apply to you. If you are in any doubt, why not give our expert team a call today. 

What does self-employed insurance cover?

One of our expert brokers can build you a specialist self-employed insurance policy to cover your business against some, or all of the following risks:

  • Public liability insurance - Claims of injury to a client or damage to their property 
  • Business Equipment Insurance - Accidental damage to business equipment 
  • Employers' liability insurance - Claims of illness or injury from employees because of their employment with you
  • Tools insurance and/or business equipment
  • Professional indemnity insurance - Claims of professional negligence, such as making a mistake in a project for a client 
  • Personal Accident - Should you suffer an accident such a broken leg and cannot work
What is sole trader insurance?

Sole trader insurance provides tailored sole trader insurance to professionals who run small or self-employed businesses as the single or the only business owner. Accidents in or at your business could happen at any time, for example, you may damage a client's property, accidentally injure a member of the public, or if you offer consultancy advice or services you may be liable for a third parties financial loss due to incorrect or over-looked advice you have given. However, rest assured as at Insync our specialist sole trader insurance can cover all for all these instances and more in one single tailored insurance policy. 

Do you need public liability insurance as a Self-employed business or sole trader?

If you run a business which involves meeting members of the public face-to-face, whether this is at your premises or on their premises then there is a risk that you or your business operations could cause them injury, illness or property damage.

The level of public liability insurance you may decide to opt for could depend on the nature of the workplaces you visit or the nature of your home business premises. Limits are usually around £1million to £5million however you may require a higher limit if you work in a hazardous industry or location such as an airport or offshore.

When you work on someone else's premises you may also find your chances of winning the contract or project are dependent on the insurances you have in place. Whilst this is more common for professional indemnity insurance, you may find some potential clients want to see evidence of your public liability insurance too so it could possibly help you to secure future work.

Although it is not compulsory for most businesses, it may be considered essential if you work directly with the public on any level. There are different levels of cover available and many insurers offer policies designed specifically for individual industries or specifically for sole traders.

Is it a legal requirement to have self-employed public liability insurance?

While it is not a legal requirement to have public liability cover, you may be asked to provide proof of cover before commencing a job or before winning a contract. In addition, you may find having PL insurance in place brings you the peace of mind in the day-to-day running of your business, knowing that should anything go wrong you and your livelihood is covered and protected.

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Insync Insurance Solutions Ltd
9 Albany Park, Cabot Lane
Poole, Dorset BH17 7BX

t. 01200 309516
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© Insync Insurance Solutions Ltd 2021 All rights reserved. Insync Insurance Solutions Ltd is authorised & regulated by the Financial Conduct Authority where our reference number is 766691. Our registered office is 7th Floor, Corn Exchange, 55 Mark Lane, London, EC3R 7NE and we are registered in England under company number 08810662. Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service Exchange Tower, London, E14 9SR | Tel: 0800 023 4567 or 0300 123 9 123 | www.financial-ombudsman.org.uk | Privacy Notice | Terms Of Business