Self-employed public liability insurance

Whether you're a sole trader, partner, or the owner of a limited company, start with public liability and customise cover to meet your needs.

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Self-employed public liability quote

per month

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

Get your business insurance in less than 10 minutes

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. This type of insurance can cover the important items you need to work, like laptops, computers and specialist equipment.

Cyber insurance

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).

We've made insuring your business simple. Get started.

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

per month

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

Professional covers

per month

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

Management cover

per month

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

Boost your cover from £2.80 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 or by calling the FCA on 0845 606 1234.

A-rated financial strength

Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).

Protected by the FSCS

If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at