Starter business insurance
Protecting your small business from day one
Insurance designed for side hustles and businesses like yours – where you choose only the cover you need, with policies starting from £5.40* a month.
*10% of customers with public liability pay the equivalent of £5.40 a month
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When do you need business insurance?
As your idea grows, so do your responsibilities. You may not think of your project as being big enough for insurance yet – but it can quickly become important. Whether you need proof of insurance for a new job, want to cover your expensive equipment, or would like some peace of mind – we can help.
We offer a range of different types of insurance that you may need, so you can build a policy that fits where your side hustle is today.
- tailored to your setup – choose from a wide variety of covers, paying only for what you need
- peace of mind – cover that lets you get back to the freedom of running your business
- 24/7 claims support – from our expert team whenever you need it
The key steps of running a side hustle
What starts as a fun way to earn extra cash can quickly become a full-time thing – bringing a whole new set of responsibilities along with it. Download our guide to surviving and thriving in the early days of self-employment so you’re always prepared for what comes next.
What level of insurance do you actually need?
Our insurance is designed to help protect your hard work, equipment, and finances if something goes wrong. Because every project is unique, you build your own policy by choosing only the covers you need.
It’s worth understanding there’s no legal requirement for businesses without employees to get insurance in the UK. But for many jobs, employers can require insurance to secure the contract.
There are a range of other types of cover available that you may need. These will be explained and offered when you complete a quote.
Public and product liability insurance
Often required for contracts. This insurance applies if your day-to-day work accidentally injures someone or damages their property. Product liability insurance extends your protection to cover any illness or damage caused by the items you sell.
Professional indemnity insurance
Required by some regulated professions like solicitors, architects, and financial advisers. This insurance helps cover the costs of compensation and legal fees if a client makes a financial loss because of your work.
Helps cover the replacement costs of equipment you use in your day-to-day activities like your laptop, tools, and raw materials if they’re stolen or damaged.
Employers’ liability insurance
A legal requirement once you employ people. This insurance helps protect you and your employees if they’re injured or become unwell as a result of working for you. Exemptions do apply in some cases, most notably for family businesses that only employ close relatives.
We’re here to help
Sometimes it’s simpler to chat to our expert team about insurance to check you’re only getting the insurance your project needs.
Call our team: 0333 0146 683
Opening hours:
Mon to Fri: 09.00am – 05.30pm.
Saturday: 09.00am – 02.00pm
Practical advice for running your business
Building an independent business from the ground up takes serious work. Our Knowledge centre – a hub of practical, easy-to-read guides covering everything from everyday admin to staying compliant with the latest regulations.
Here are some key guides to get started with:
13-minute read
A complete guide to completing your tax return
16-minute read
Expert tips on marketing your business
11-minute read
A guide to side hustle tax
6-minute read