Insurance for the
self-employed

Public liability insurance for self-employed workers covers you if a member of the public is injured, or their property is damaged, because of your business activities.

For example, if a delivery person trips over a loose piece of carpet at your home and suffers an injury, or if you accidentally spill coffee on a client's laptop, public liability will cover the legal and compensation costs you are required to pay.

Product liability covers you if a customer or member of the public becomes ill or suffers an injury because of a product you have supplied. For example, if an appliance you have sold overheats and causes a fire in a customer's home, we will cover the costs you are liable for.

If your business equipment gets stolen or damaged by an insured event, like a fire or flood, our contents and stock insurance will cover the cost of replacing the items.

This cover is crucial if you rely on certain items to run your business, e.g. your phone or laptop, specialist equipment, shop tills or even office furniture.

If you sell goods and they're damaged or stolen, you won't have anything left to sell. We'll cover the costs of these items, whether that's raw materials or the finished article.

You can insure your business equipment and stock at your premises and when you're on the move.

And now with Business Tech Essentials, if your essential tech is stolen or damaged, we'll replace it within 24 hours from claim approval.

When you cover your electrical items and tech you get Business Tech Essentials. Which means if your essential tech - like laptops, mobiles or tablets - are stolen or damaged we'll replace them within 24 hours of claim approval.

Cover & claim limits apply. Mon – Fri 8am – 6pm, except Bank holidays.

If your working premises became unusable because of an insured event like a fire or flood, business interruption will cover the costs of relocating until the problem has been fixed.

If your main client or supplier suffers an interruption to their business, and this has a knock-on effect on yours, we'll cover your loss of turnover up to a maximum of £50,000. Equally, if a market or fair that you regularly attend is closed because of a fire, we'll cover the lost turnover for the time you can't trade there.

Our business interruption cover can insure you if you or one of your key employees becomes seriously disabled and is unable to continue work. We will cover the incurred costs, up to £25,000, to minimise any interruption to the business.

This covers the legal costs of providing specialist lawyers and taking action against many common legal problems, for instance disputes with suppliers or clients.