Self-employed public liability insurance
What is public liability insurance?
Public liability insurance is an essential cover for businesses that involve coming into contact with the general public. Injury or damage caused by your work could result in otherwise unaffordable compensation costs, not to mention legal fees. Our cover also includes product liability, for that extra level of protection.
- Select from £1m, £2m or £5m cover
- Legal fees
- Compensation costs
- Product liability
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Flexible monthly subscription. No fees to change or cancel your cover.
What does public liability cover?
If a customer, supplier, or member of the public is injured or dies due to your business activities, public liability may cover this.
If your business services unintentionally cause damage to the property of a customer, supplier or anyone not employed by your business, public liability covers this.
This covers claims brought about due to damage or injury caused by a product your business has given away or sold - whether you're the manufacturer, supplier, or retailer.
Insurance for self-employed professionals
Professional indemnity insurance
Clients pay for your knowledge and expertise, but what if you make a mistake? If your advice or service causes a client's business financial loss you could face a lawsuit, and be liable for legal and compensation costs. If this happens, professional indemnity cover (PI) can cover this.
Directors and officers insurance
Mistakes happen - at all levels. Directors and officers cover, also known as D&O, covers claims brought about by negative consequences of decisions made by company managers. For example, data reporting errors, accidental misrepresentation in a pitch deck- even claims from investors against the management arising out of the insolvency of the company.
Contents and equipment insurance
Covering furnishings and equipment, office contents and equipment cover is a staple for many businesses. Unlike many other providers, our cover is also suitable for contents and equipment at co-working office spaces.
Whatever your business type, you're likely to hold data and to be reliant on computer systems. Cyber insurance protects you against the consequences of a data breach, whether that be due to a team member making a mistake, a cyber attack, or even a systems failure - even if it's due to a supplier's system going down (e.g. Amazon Web Services).
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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.