{"id":13635,"date":"2026-02-09T09:26:24","date_gmt":"2026-02-09T09:26:24","guid":{"rendered":"https:\/\/www.policybee.co.uk\/blog\/?p=13635"},"modified":"2026-02-09T13:40:55","modified_gmt":"2026-02-09T13:40:55","slug":"self-employed-insurance","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/self-employed-insurance","title":{"rendered":"Going it alone: self-employed insurance essentials"},"content":{"rendered":"\n<p><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"300\" src=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/02\/self-employed-going-it-alone-blog-PB_istock-edit.png\" alt=\"Having the essentials covered when to comes to your self-employed insurance is vital for protecting you and your business\" class=\"wp-image-27444\" style=\"object-fit:cover;width:300px;height:150px\" srcset=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/02\/self-employed-going-it-alone-blog-PB_istock-edit.png 600w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/02\/self-employed-going-it-alone-blog-PB_istock-edit-300x150.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n<\/div>\n\n\n<p>If you\u2019re busy ploughing your own furrow, insurance is probably the last thing you want to think about.<\/p>\n\n\n\n<p>You\u2019ve already got quite a lot on your plate, after all. That&#8217;s because often, you\u2019re wearing a lot of different hats as well as your more usual&nbsp;one. <\/p>\n\n\n\n<p>Let&#8217;s face it, being your own bookkeeper, IT expert and office administrator on top of everything else can be pretty hard work.<\/p>\n\n\n\n<p>Plus, there\u2019s a fair amount of other boring-but-necessary stuff to deal with \u2013 things like filing tax returns and making sure invoices are paid on time.<\/p>\n\n\n\n<p>And there\u2019s <a href=\"https:\/\/www.policybee.co.uk\/self-employed-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">self-employed insurance<\/a>, of course. Another thing to remember, sure. But vital for protecting you and your business.<\/p>\n\n\n\n<p>So, what kind of professional insurance should you be looking for when you&#8217;re self-employed? Well, that depends on several things, including what you do and where you do it. Also, whether you have anyone help you.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Self-employed insurance essentials<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cover for<strong> <\/strong>what you do<\/h3>\n\n\n\n<p>No matter what you do, whether you&#8217;re an accountant or a management consultant, you&#8217;re going to need some <a href=\"https:\/\/www.policybee.co.uk\/professional-indemnity-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">professional indemnity (PI)&nbsp;insurance<\/a>. This is what protects you when something goes wrong \u2013 like if a client accuses you of making a mistake, says your work&#8217;s not up to scratch or alleges you&#8217;ve not done what they paid for.<\/p>\n\n\n\n<p>The fact is, no one&#8217;s infallible and errors do sometimes creep in \u2013 whether that&#8217;s forgetting to do something, making a bad judgement, or doing something off beam. Comfortingly,&nbsp;PI has&nbsp;always got your back, regardless of whether you&#8217;ve actually made a mistake or not.<\/p>\n\n\n\n<p>If a claim comes in, PI pays for legal expertise to defend you in court and covers any damages awarded. In the meantime, you&#8217;re free to keep running your business.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cover for where you do it<\/strong><\/h3>\n\n\n\n<p>Whether you work from home or from an office, it&#8217;s odds-on you&#8217;ll keep&nbsp;some valuable equipment there. Things like IT&nbsp;hardware and printers. Also specialist equipment and tools, depending on what you do.<\/p>\n\n\n\n<p>In that case, you&#8217;re going to want some protection for your kit. How are you going to keep your business on track without the equipment you need to run it?<\/p>\n\n\n\n<p>The answer is <a href=\"https:\/\/www.policybee.co.uk\/business-contents-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">contents insurance<\/a>. It pays to replace the IT and business equipment in your office if it&#8217;s lost, damaged or stolen.<\/p>\n\n\n\n<p>And if you&#8217;re doing the kind of work that takes you out and about, you&#8217;ll want <a href=\"https:\/\/www.policybee.co.uk\/portable-equipment-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">portable equipment cover<\/a> too. That means if you&#8217;re a photographer and you lose or drop your camera, you&#8217;ll be back in the game with a replacement model as quickly as you can say &#8216;cheese&#8217;.<\/p>\n\n\n\n<p>Plus, who doesn&#8217;t own a smartphone, a tablet or a laptop these days? Those are all covered too, helping you and your business stay connected.<\/p>\n\n\n\n<p>There&#8217;s also the chance of an accident when you&#8217;re visiting someone or if they&#8217;ve come to you. Like your client tripping over a computer lead in your office and doing their back in, putting them out of action for a couple of months. Or you accidentally spilling a glass of water over your client&#8217;s top-spec PC, rendering it useless.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.policybee.co.uk\/public-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Public liability insurance<\/a> rides to the rescue in cases like these. If a claim&#8217;s made against you, it covers the cost of both your day in court and any compensation you have to pay.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cover for how you do it<\/strong><\/h3>\n\n\n\n<p>If you&#8217;re a one-man-band and you do everything yourself, there&#8217;s no need for <a href=\"https:\/\/www.policybee.co.uk\/employers-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">employers&#8217; liability insurance<\/a>. Well, you&#8217;d think so, wouldn&#8217;t you?&nbsp;<\/p>\n\n\n\n<p>But you&#8217;ll find that some clients insist on it as part of a standard supplier contract. Seems odd, because it exists to ensure employee welfare and, in your case, you&#8217;re both the employer and the employee. So, the only person who can be sued is you, by you.<\/p>\n\n\n\n<p>However, if you do employ anyone else to help you run your business \u2013 even if that&#8217;s just one part-time person and they&#8217;re unpaid \u2013 then you&#8217;re <strong>legally<\/strong> required to have at least \u00a35m worth of cover (although most insurers only offer \u00a310m). <\/p>\n\n\n\n<p>If not, and the <a href=\"https:\/\/www.hse.gov.uk\/index.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Health and Safety Executive (HSE)<\/a>&nbsp;comes calling, they can fine you \u00a32,500 for each day you didn&#8217;t have employers&#8217; liability cover but should have. <\/p>\n\n\n\n<p>You can read more about who the HSE does and doesn&#8217;t class as an &#8217;employee&#8217; in <a href=\"https:\/\/www.hse.gov.uk\/PUBNS\/hse40.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">their guide to employers&#8217; liability insurance<\/a>.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What other self-employed insurance do I need?<\/strong><\/h2>\n\n\n\n<p>That&#8217;s a matter of balancing the breadth of cover you&#8217;d like in an ideal world, with what you actually need and how much budget you have to play with. Also, what your business does and the risks you face.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.policybee.co.uk\/cyber-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Cyber insurance<\/a> is a good idea if you&#8217;re digitally dependent and either store a lot of customer data or rely on a website. It can help fix your systems and get your business up and running again quickly if you&#8217;re the victim of a cyber-attack. It also provides legal and PR experts to help you manage your response. <\/p>\n\n\n\n<p>Worried about <a href=\"https:\/\/www.policybee.co.uk\/blog\/a-guide-to-social-engineering-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">social engineering<\/a> or financial cybercrime \u2013 two of the most common forms of cybercrime? You&#8217;ll need to add on extra cover for those. You can even add on extra cover for your lost income if a cyber-attack means you can&#8217;t trade as normal. <\/p>\n\n\n\n<p>There\u2019s also <a href=\"https:\/\/www.policybee.co.uk\/blog\/what-is-business-legal-expenses-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">legal expenses insurance<\/a>, which can be added onto a public liability, professional indemnity, or employers\u2019 liability policy. It\u2019ll pay to defend you in contractual disputes with clients or employees, as well as support you with tax issues, or health and safety. It\u2019ll even cover any lost income if you\u2019re called up for jury duty.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Alone no more<\/h2>\n\n\n\n<p>So there you have it. Being self-employed can be exciting, challenging and rewarding. But it can also be&nbsp;scary and lonely if things aren&#8217;t going so well. Self-employed insurance is there to offer a helping hand through the tough times.<\/p>\n\n\n\n<p>Find out more about how <a href=\"https:\/\/www.policybee.co.uk\/self-employed-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">self-employed insurance<\/a> can support you or call us on <strong>0345 222 5391<\/strong> and have a chat with the team.<\/p>\n\n\n\n<p><em>Image created using assets from iStock.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re busy ploughing your own furrow, insurance is probably the last thing you want to think about. You\u2019ve already got quite a lot on your plate, after all. That&#8217;s because often, you\u2019re wearing a lot of different hats as &hellip; <a href=\"https:\/\/www.policybee.co.uk\/blog\/self-employed-insurance\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[287,290],"tags":[237,137,150],"class_list":["post-13635","post","type-post","status-publish","format-standard","hentry","category-more-business-insurance","category-self-employed-and-freelance-advice","tag-freelancers","tag-insurance-explained","tag-managing-risk"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Going it alone: self-employed insurance<\/title>\r\n<meta name=\"description\" content=\"You might be surprised by how much self-employed insurance you need. 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