Self-employed Insurance

Cover to suit your unique risks

Working for yourself can be both challenging and rewarding. We can help you protect your livelihood by providing a suitable insurance solution for your business and its activities.

No matter your chosen profession, if you're self-employed, a sole trader, or you work as a freelancer, you may need self-employed insurance. As one of the world's largest insurance consultancy firms, we can help protect you by providing public liability insurance, professional indemnity insurance, employers’ liability insurance and even self-employed income protection.

We offer self-employment insurance which can be both cost-effective and wide ranging, whether you work on your own or employ other members of staff. Our self-employed insurance can reflect your unique setup.

We understand that no two businesses are the same, which is why we have a range of self-employment insurance options for you to choose from, where you can build a single business insurance policy.

What is self-employed insurance?

Self-employed insurance provides you with a tailored protection package if you work for yourself, rather than for an employer. Cover includes self-employed liability insurance and professional indemnity insurance.

If you have one employee or more, you may be required to have employers' liability insurance, too.

Why do I need self-employment insurance?

More and more people are choosing to be self-employed for a number of reasons, including freedom and flexibility. But it's important to make sure that your business is protected - especially if you deal with members of the public, including delivery people, customers and suppliers.

Self-employment insurance is there to help protect you if a customer or member of the public gets physically harmed, or their property is damaged due to any of your business activities. Legal fees and compensation can be costly, and if you don't have self-employed insurance in place, you could be liable for absorbing all the costs.

With self-employed insurance, can be covered for legal fees, plus compensation needed to pay in the event of a claim by a customer or an employee.

What insurance do I need if I'm self-employed?

Public liability insurance

Self-employed liability insurance is an important cover for self-employed professionals to consider. It can protect you if someone is injured or the property is damaged because of your business.

Professional indemnity insurance

If your business gives advice or offers professional services to other businesses, professional indemnity insurance can be vital. It can cover you if you unintentionally give faulty or inaccurate advice that causes financial loss to a client.

Employers' liability insurance

If you have employees, contractors, casual workers or temporary staff, you're usually required by law to take out employers' liability insurance. It’s designed to cover claims from employees who have been injured or become seriously ill as a result of working for you.

Do I need public liability insurance if I work from home?

If people visit your home for business purposes, you might need to consider public liability cover as part of your self-employed insurance package.

Your regular home insurance may not cover you for business-related claims, so if anything happens to a business visitor or their property in your home, you could be liable. If you're unsure whether you need self-employed liability insurance, you can call us on 0800 062 2027 or complete our form.

How much does self-employed insurance cost?

The cost of self-employed insurance will depend on a few factors, including:

Your occupation: Manual workers such as plumbers and builders generally pay more for self-employed insurance than clerical workers like graphic designers and writers. This is because their work is more likely to physically affect members of the public.
The type of jobs you do: The amount you pay for cover will also depend on the risk level associated with the type of jobs you take on. If you work in large and busy public buildings, you will often have to pay more than if you work mostly in your own home.
The size of your business operation: Your turnover is one of the main factors that providers will assess to work out how much you will pay for your self-employment insurance.
Your claims history: If you've made business insurance claims in the past, you may have to pay more towards your self-employed insurance cover.

Why should I choose Gallagher for my self-employment insurance?

As a specialist insurance broker, we have access to the entire Lloyd's of London market and work with a number of different industries. Our self-employed insurance packages include bespoke policy wordings tailored to your own circumstances.

We can cater to businesses of all sizes, whether you're a sole trader, freelancer, or you have a small number of employees.

How do I find out more about self-employed insurance?

If you'd like to find out more about bespoke self-employment insurance, call us on 0800 062 2027. Or simply complete our form. We're here to answer any questions you have about self-employed liability insurance and other covers you may need to protect your business. You can get a quote and purchase your insurance online in your own time.

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.