Self-employed insurance

Flexible business insurance for sole traders, business owners and freelancers who want quick and complete cover.

Get a quote in 4 minutes and cover from £5 per month.

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Self-employed insurance quote

From£
5.00
per month

Why buy business insurance if you're self-employed?

As a self-employed person, you call the shots. But being self employed also means that you'd be solely responsible if something goes wrong. Business insurance can be a source of security and protection for those times.

The nature of your setup means the work you do and the people you work with probably changes regularly. Superscript's flexible and customisable insurance allows you to choose the cover you need and alter it at any time.

  • Choose from £1m, £2m or £5m of public liability cover
  • Customise your policy to suit what you need
  • Change or cancel at any time, free of charge
  • Option to add employers liability and business equipment cover

Get your business insurance in less than 10 minutes

Flexible monthly subscription. No fees to change or cancel your cover.

What is self-employed insurance?

Business insurance for self-employed professionals provides cover for those who work for themselves. This includes sole traders, freelancers and business owners. It's designed to protect you from the specific risks that could affect you and your business as well as incidents and accidents that could arise as a result of your work. Depending on the cover you choose, this could include legal and compensation costs, the repair or replacement of your business contents or equipment, as well as financial loss due to business interruption.

Do I need business insurance if I'm self employed?

Some businesses may require you to have a certain level of cover in order to work with you, such as public liability cover and professional indemnity insurance. With Superscript, you can be insured in under 10 minutes, so you never miss out on an all-important job.

If you employ anyone, even just one temporary person, you're legally required to have employers liability insurance in the UK. The only exception to this is if you only employ family members. You can read more about the rules for various business types and more details of the exemption in our 'Do I need business insurance?' guide.

What types of cover do self-employed professionals need?

1

Professional indemnity

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!)

2

Public liability

Our public liability insurance (PL) for self-employed professionals will protect you if you cause injury or property damage to a third party, either at your home office, 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.

3

Business contents and equipment cover

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 contents insurance and business equipment cover, we'll replace your gear and have you back up and running in no time.

4

Cyber insurance

If you work remotely and handle a lot of sensitive client information then you could be at risk of a cyber attack or data breach. Cyber insurance 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.

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Types of self-employed insurance claims

No two self-employed people are the same, which means the claims you could experience will be different for everybody. But here are a few examples of claims where you could be liable.

Laptop stolen

You rent an office to work in and someone breaks in and steals a laptop as well as a camera you use to take product shots. Business equipment insurance would cover the replacement of both items.

A costly mistake

You accidentally make a mistake on a report for a client, costing them time and money to fix it, so they're suing you. Professional indemnity insurance would cover the legal and compensation costs.

A broken ankle

You're working in a cafe and someone trips over your bag and injures themself. They want to claim compensation. Public liability insurance would cover the legal and compensation costs.

How do claims work?

1

You make a claim

Log in to your online account and go to the ‘Make a claim’ section. There, you can make a claim directly – there's no need to call us.

We'll ask you for some details about your claim, including a crime reference number (if applicable), the date of loss, type of claim and its detailed description.

You can also attach any relevant supporting documentation like proof of loss or proof of purchase.

2

We'll get on the case

Once submitted, your claim will be assessed.

If the claim is large, we may need more information from you. Or, if it's small, our team may be able to settle it within a couple of days (or hours, in some cases).

Either way, we'll keep you regularly updated and you'll be able to see the status of your claim on our customer portal.

3

Your claim is settled

After it's been assessed, we'll let you know if your claim has been successful or not.

If items have been lost, stolen or damaged, we might arrange for the items to be replaced or make a payment to you.

Self-employed insurance FAQs

Do you need insurance if you're self-employed?

Business insurance isn't a legal requirement for anyone - with the exception of employers liability, which is mandatory for employers in the UK who employ anyone other than their family members. However, may find that certain clients will require you to have specific covers in order to work with them. For example, public liability insurance is often required by clients.

How much does self-employed insurance cost?

This all depends on the types and level of cover you select to protect your business. Our cover starts at £5.00 per month. Our quote journey, which takes less than 10 minutes, will take you through your options to help you determine which covers you need.

Do I need to register as self-employed?

If you’re working as self-employed and have earned more than £1,000 from self-employment between 6 April 2020 and 5 April 2021, you’ll need to register with HMRC as a sole trader.

How do I register as self-employed?

To register as self-employed in the UK, you’ll need to head to HMRC to register as a sole trader.

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.

Essential covers

From
£5.00
per month

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

Professional covers

From
£7.58
per month

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

Management cover

From
£6.90
per month

Protect your management and shareholders against the operational risks associated with running a company.

Boost your cover from £10.08 per month

Legal protection insurance

Covers compensation awards, professional fees and legal costs associated with a range of legal disputes.

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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.