Self-employed insurance tailored for your business

If you work on a self-employed basis, you need business insurance that meets your individual requirements and is simple to buy.

Simply Business offers quick online quotes to compare, tailored policies, and a simple way to buy. All your documentation is stored online for minimal paperwork and easy access.

You may need several different types of insurance cover, but the good news is that your policy is simple and quick to buy with Simply Business.

Buying your self-employed insurance

We’ve worked hard to make sure that buying your business insurance is simple and quick.

   1. Build your ideal policy using our simple form
   2. Compare quotes from trusted insurers
   3. Choose a quote and buy it online
   4. Speak to our UK insurance team if you get stuck
   5. Receive your documents online instantly

Building your self-employed insurance policy

Building your self-employed insurance policy

If you are unsure about which business insurance covers you should have, these will help you to get started building your policy:

Public liability insurance – if during your work you come into contact with members of the public, this insurance will cover the cost in the event that you cause injury or damage to a person or to their property. The minimum level of cover is £2 million, but you may need £5m or £10m if you carry out public sector work.

Professional indemnity insurance – recommended if you are providing professional advice to clients. If a client suffers financial loss as a result of your advice, professional indemnity insurance can cover the costs of any related claims made against you. Many potential clients will only deal with you if you have sufficient professional indemnity insurance. Simply Business offers cover from £50,000 up to a maximum of £5,000,000.

Details to look out for

• Make sure you check and understand any exclusions on the policy. Simply Business offers you the chance to read the policy documents in full before you buy.
• Try to find out what level of professional indemnity insurance your clients might expect.
• If you employ people, even in your own home, you may be legally required to take out employers’ liability insurance. Failure to do so could result in a fine of up to £2,500 for every day you are uninsured.