Freelance insurance

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  • UK-based expert support, online and on the phone
  • Get covered and all your documents the same day
  • Compare tailored quotes for freelancers like you from trusted brands
Freelancer working on a client project
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Why do freelancers need insurance?

You know what it’s like to be pulled in last minute – everything’s urgent and the client is busy. While you’re catching up with the brief, freelancer insurance lets you hit the ground running. It provides protection against accidents and errors, plus cover for things like your laptop and other equipment.

  • protection from large claims if there’s an injury or accident
  • help if you have to stop working due to a personal accident
  • cover for the essentials from professional indemnity to your laptop


What does freelance insurance cover?

From the typical client to next year’s pipeline, you know your business best. So we put you in control of what goes into your policy, whether it’s just cover for accidents and mistakes or you need insurance for things like your laptop too.


How much does freelance insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £4.95 per month

Get tailored quotes in 7 minutes

Example freelancer insurance quotes, real prices

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Professional indemnity

No excess

£2500

Public liability

£100

£2500

Employers’ liability

No excess

No excess

Business and office equipment

£50

£750


How it works

Pick what goes into your policy

Get prices from a range of insurers

Buy online in minutes

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

Call our team

0333 043 8527

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions


How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£68 million in claims paid out in 2024

Example claim

Having insurance through Simply Business has saved freelancers thousands of pounds when the unexpected happened.

Paul saved more than £1,929

Paul (not his real name) was working from home when his drink spilled over his laptop, damaging the screen. His freelance insurance covered the accidental damage, getting him set up again to finish the project.

Freelancer insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about freelancer insurance. You can also check out our business insurance FAQs.