Insurance for contractors and freelancers
What insurance do contractors and freelancers need?
Depending on the type of work you carry out, as a freelancer, you'll likely want to consider a selection of covers, such as public liability and professional indemnity. As a freelancer, you may benefit from the flexibility offered by cover with Superscript. Our monthly subscription model gives you the freedom to adjust cover to meet your requirements, so that you only pay for what you need.
- Pay by the month
- Change your cover anytime
- Make changes without fees
- Instant documents
Get a freelancer insurance quote in less than 10 minutes
Adapt or cancel your cover at any time. No penalties.
Why do I need insurance, as a freelancer?
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 simple. Get started.
Contractors and freelancers insurance FAQs
Although public liability cover isn’t a legal requirement for freelancers, it’s considered a basic cover by most. Moreover, depending on the type of work you carry out, clients may sometimes insist on you having this type of cover.
Customise your cover
To simplify things, we've categorised our covers into three groups: essential covers, professional covers, and management covers. You'll be guided through these different options during the quotation process.
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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.