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Insurance for freelancers

Working for yourself doesn’t mean you’re on your own. If a client has a problem with your work, freelancers’ insurance is the team of legal, financial and risk experts you need on your side.

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Professional indemnity insurance
from £8.14 a month for £100,000 cover

Covers the costs of fixing your mistakes, and defends you against allegations you’ve not done your job properly. A must-have for business with paying clients.

Public liability insurance
£4.20 a month
£1,000,000 for physical damage and injuries caused by your business
Cyber insurance
£14.40 a month
£100,000 for hacks, breaches and data loss
Based on a quote for IT services with an annual income of up to £25,000. All prices include IPT at 12%. Quote online for turnovers up to £500,000, or call and talk to an expert.
Cover when you need it most: every day.

Being your own boss: an exciting chance to control your own destiny or a terrifying ticket to an uncertain future?

Well, it’s true that working for yourself gives you the freedom to choose what you do, where and when you do it, and who you do it for.

But it also means that you’re on your own. Doing without the security of an employer takes guts, hard work and total commitment. Your success depends on it.

So, if you’re going it alone you need all the help and support you can get. A healthy book of contacts for ongoing work is a prerequisite, of course, but joining your one-person army should be a reliable accountant to look after your finances and a knowledgeable insurance broker to keep an eye out for potential risks.

That’s where freelance insurance comes in. We know that freelancers are vulnerable; larger clients won’t hesitate to roll out the lawyers if you make a mistake.

We also know that it’s unlikely you’ll have the time or resources to defend yourself if they do. Don’t worry, we’ll point you in the direction of good policies from reliable insurers designed to protect you if the worst happens.

But where do you start? A good place is our blog on What insurance do freelancers need? Or keep reading below...

What freelancer insurance do I need?

Professional indemnity insurance

This essential insurance for freelancers protects you against claims of negligence made by dissatisfied clients.

If you find yourself in dispute with a client, professional indemnity insurance covers the cost of defending any allegations or claims made against you.

If you’re in the wrong, the insurer will either pay to fix your mistake or compensate your client if that’s not possible.

Click here for more information on why freelancers need professional indemnity insurance or here for a quote.

Public liability insurance

Freelance public liability insurance covers claims against you for bodily injury and/or physical damage.

If you visit clients’ premises (whether it’s for an hour’s meeting or daily on a six-month contract) or they visit yours, and there’s an accident that’s your fault, you could be held liable.

This insurance covers the cost of your day in court and any compensation paid owing to your client.

Click here for more information or here for a quote.

Employers’ liability insurance

The clue’s in the name and you only need employers’ liability (EL) insurance if you have actual employees.

But that doesn’t only mean full-time staff. It also includes part-timers, occasional or temporary help, volunteers and people on work experience.

So, if you find yourself in the lucky position that you have too much work, and you hire others to lighten the load, you’ll need to protect them with EL. It covers you against claims of injury or illness made by employees.

More to the point, it’s required by law. The minimum level of cover is £5 million and if you don’t have it, when you should, the Health & Safety Executive can impose hefty fines.

Click here for more information or here for a quote.

Cyber insurance

Anyone can be hacked. And if you work solo with no reliable access to rapid IT back-up, it can mean your work quickly grinds to a halt.

Cyber-attacks like malware and denial of service can cripple your networks and websites. Worse, it can mean sensitive data is stolen. Worse still if it belongs to your clients.

Cyber insurance provides technical expertise to stop attacks, fix systems and retrieve data. It also covers legal costs and compensation if you’re sued for losing sensitive information.

Click here for more information or here for a quote.

Office, property and general business insurance

Whether you work from home or at your clients’ office, this insurance covers your fixed and portable equipment against loss, damage or theft. It pays for repairs or replacement as new, and even covers hiring replacement equipment in the meantime.

If needs be, it covers damage to your workspace and helps with the cost and logistics of keeping your business up and running if disaster strikes.

Click here for more information or here for a quote.

Personal accident insurance

If you’re unlucky enough to be physically injured, this insurance pays your business a lump sum to help keep it going in your absence. It covers the costs you’d face to recruit or retrain someone to help you out while you’re out of action.

Click here for more information or here for a quote.

What our customers say...
Fast affordable service and helpful pleasent staff
Event and wedding organisers
3 December 2023
Easy to access the right insurance that I needed for a reasonable cost.
Business Development Consultancy
30 November 2023
So far so good with PolicyBee. The quote and purchase process was easy and clear. My first contact by phone was impressive. The woman I spoke to was knowledgable, friendly, helpful and proactive about answering my query. Very pleased.
Freelance copywriting and Editing
30 November 2023

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Catherine Roberts
Account Executive
Sarah Adams
Sales Team Leader
Yasin Akdemir
Senior Account Executive
Sian Adams
Medical Malpractice Team Leader
Zoe Langford
Account Executive