Self-employed liability insurance

Our self-employed liability insurance has been designed to cover the risks facing small business owners and sole traders in the UK.

When setting out on new business endeavours, it’s important to protect yourself against unforeseen issues that may appear in the future.

If you are unsure which types of cover your business needs, we can help you build your self-employed insurance policy. 

What does self-employed insurance cover?

Self-employed liability insurance is an umbrella term that covers a range of different types of insurance policies. Anyone who works for themselves as a freelancer or contractor or runs their own business would benefit from self-employed liability cover.

The precise cover types you may require will depend on your own specific needs and circumstances. When you take out insurance with Capital Indemnity, you can tailor your policy to cover your business against a range of risks, including:

• Allegations of professional negligence

If you were to make a mistake in a project for a client or give poor advice as part of your work, a compensation claim could be made against you. In such cases, a professional indemnity insurance policy could offer the financial protection you need by covering damages or costs that may be awarded, as well as legal fees you may incur.

• Allegations of injury to a client or damage to their property

If a member of the public were injured or their property damaged as a result of the actions of your business, you could be held liable for compensation. Self-employed public liability insurance is designed to safeguard your business against losses that may be incurred as a result of such claims. At Capital Indemnity public liability insurance for self-employed workers comes with product liability insurance included as standard. This protects you against compensation claim costs that may arise should a product you’ve produced or sold result in third-party injury or property damage. If you’re not sure if you need public liability insurance, you can contact us for expert advice.

• Accidental damage to business equipment

If your office is damaged by a fire, flood or storm or your office equipment is stolen or lost, the financial repercussions for your business could be devastating. To mitigate against such losses, is ideal that all self-employed workers that have office space take out a suitable office insurance policy.

• Allegations of illness and injury suffered by employees

Employers' liability insurance is needed by law for UK firms that hire employees and provides compensation if an employee or former employee is harmed or falls ill as a result of their job. 

For example, a worker may acquire long-term health problems as a result of exposure to harmful materials and then file a claim years later. Fines for driving without insurance can reach £2,500 per day.

How to get public liability insurance

To arrange public liability, simply answer a few questions on our online quote form, or call us on 0203 488 7193. Our lines are open from Monday – Friday, 08:30 – 17:30.

We’ll talk you through your options and provide you with quotes for public liability insurance in minutes.