Insurance for freelancers

Tailored cover for your business

Freelancers face a unique set of risks every day. Your clients rely on you, and you rely on them, so you need to be properly protected against all scenarios. With Simply Business you can combine covers such as professional indemnity and public liability into a single business insurance policy. That’s a single premium, a single renewal date, and a single set of documents. It’s quick, quality cover, without the hassle.

Cover from £6.82 a month, get insured in minutes. (10% of direct debit customers repay their annual policy in 10 monthly payments of £6.82 or less across all our trades insured. Based on data from 1 October 2019 - 31 March 2020, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)

What if I work from home?

Your conventional home and contents insurance policy may not cover your business items and you may need a separate business insurance cover. Also, if you have clients visiting your premises, you should consider public liability insurance.

Simply Business chief operating officer Chris Slater explains the ins and outs of insurance for freelancers who work from home.

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What insurance do freelancers need?

Public liability insurance is often an important cover for businesses, 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. At Simply Business we offer between £50,000 and £5 million in professional indemnity cover. You can buy professional indemnity insurance as a stand-alone cover or as part of a combined policy with other covers such as public liability insurance.

Freelancer 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

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.