Insurance for the self-employed

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  • Zurich
  • AXA
  • Hiscox
  • Maltings
  • Covea
  • Ageas
  • UK General
  • AIG

Self-employed insurance

Self employed workers are unique by nature, and you need insurance that reflects this. With Simply Business you can choose from a range of covers to build a single business insurance policy with a single premium, a single renewal date, and just the one set of documents. Whether you work on your own or employ people, it’s quick, quality cover, without the hassle. From self employed public liability insurance to employers’ liability insurance, take a look at our quote form to find cover that fits you, your business and your clients.

Selling products online?

We can cover your online trade, with specialist online retailers’ insurance, built for businesses that sell on the web.

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What is self-employed insurance?

Self-employed insurance provides tailored protection to those who work for themselves, rather than for an employer. Core covers include public liability and professional indemnity, whilst employers’ liability is a legal requirement if you have one employee or more.

Do you work from home?

Watch Simply Business chief operating officer Chris Slater explain what type of insurance you need if you operate your business from home.

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What insurance do the self employed need?

Public liability insurance is often an important cover for self employed professionals, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

Professional indemnity insurance is a vital consideration for all businesses that give advice or offer professional services to other businesses. It covers you in the event that you give faulty advice that causes financial loss to a client.

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

Self employed insurance policy details

  • Make sure you read your policy documents carefully and that you understand any exclusions that may apply
  • Find out what level of professional indemnity insurance your clients might expect before you buy
  • If you employ people, even in your own home, you’re legally obliged to take out employers’ liability insurance. Not doing this could lead to a heavy fine

Add self employed insurance to your current policy

If you already have a policy with us and want to add this cover, give our team a call on 0333 014 6683. We’ll check you’re eligible, and help get you up to date. 

Customer reviews

Our rating

Customer review

4.65 /5

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Our score is based on the reviews we’ve collected on Feefo, the independent customer research specialist. For more details on how this works, click below.

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Customer testimonials

“The agent who dealt with my business was very dedicated, considering there were several properties on the policy all with varying requirements. He is an asset to your company.”

John Sheppard, Landlord

What our customers are saying

We value the reviews and ratings we receive from our customers, whether they’re good or bad. We use this feedback to continuously improve how we work with (and for) our customers.

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