Insurance for freelancers
What insurance do freelancers need?
- Professional indemnity covers the advice-side of the work that you do.
- Public liability provides protection if a member of a public is injured or their property damaged by you, while you're working.
- 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.
Cover for freelancers
Professional indemnity insurance
Clients pay for your knowledge and expertise, but what if you make a mistake? This is what professional indemnity insurance is for. If your advice causes your client to lose money, you could face a lawsuit, with legal costs and compensation to pay. Superscript's professional indemnity cover comes with media liability cover as standard, which means you're also covered for accidental copyright infringement.
Public liability insurance
Whether you're working from a home office, coworking space, a client's office or even out and about, public liability insurance provides protection for if you cause accidental injury or property damage to a member of the public while you're working.
Business contents insurance
Whatever kit you rely on, be it a laptop, filming or other technical equipment, having it lost, stolen or damaged could leave out with a deep hole in your pocket. Business contents insurance, gives you the ability to have your broken or stolen equipment fixed or replaced.
Legal protection insurance
Unlike large companies with in-house legal teams, self-employed professionals don't have the convenience of specialist legal support. Legal protection insurance gives you access to specialist commercial legal support, a lifeline if you ever face a legal dispute or have questions about tax issues, such as IR35.
A cover often dismissed as irrelevant to smaller businesses, cyber insurance may be relevant for you, if your work involves handling a large amount of data. It provides protection in the form of specialist support and compensation in the event of cyber breach.
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Freelancers insurance FAQs
Even though professional indemnity insurance isn’t a legal requirement for freelancers, clients will often require you to have it. Furthermore, the potential cost of a claim against you could be devastating, so you may decide that it's therefore worth having for this reason alone.
Although public liability insurance isn’t a legal requirement for freelancers, it’s a popular choice for a two key reasons: 1. Incidents leading to accidental injury and property damage cannot be predicted and can result in costly claims against you. 2. Some clients may expect you to have it.
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.