Sole trader insurance
Purpose-built, comprehensive insurance for sole-traders. We offer flexible monthly subscription policies and a range of award-winning, innovative covers providing advanced level of protection.

Sole trader insurance quote
What insurance do sole traders need?
Depending on the type of work you carry out, you may want to consider a number of business covers to protect against your risks. Our quotation process guides you through the options to help you shape your insurance around your business.
- Pay by the month
- Change your cover anytime
- Make changes without fees
- Instant documents

Get your sole trader insurance in less than 10 minutes
Flexible monthly subscription. No fees to change or cancel your cover.
What does sole trader insurance cover?
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.
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
Essential for all businesses needing protection against bodily injury and lost or damaged property.
Professional covers
Protect against risks associated with the professional services you provide and the way you market your business.
Management cover
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.
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.