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Sole traders' insurance

Solid support for solo specialists

Quote online in less than 2 minutes

Professional indemnity insurance
from £8 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.

addPublic liability insurance
£4.20 a month
£1,000,000 for physical damage and injuries caused by your business
addCyber insurance
£10.70 a month
£100,000 for hacks, breaches and data loss
Based on 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.
Insurance for sole traders

Going it alone is great for autonomy and flexibility. But not so great for support and security.

That’s unless you know what we know: support and security comes as standard with sole trader’s insurance.

Here’s what to start with:

Professional indemnity insurance covers mistakes and misunderstandings springing from the work you do for clients. If something goes wrong and a client says you’ve cost them money, they can sue you for their loss. Claims and allegations take time, money and legal know-how to deal with and you’ll need all the help you can get. Sole trader’s professional indemnity insurance is that help – paying costs, compensation and keeping your reputation in one piece.

Public liability insurance is useful when you’re at clients’ sites or if people visit you. Common enough as a sole trader. If there’s an accident that’s your fault and someone’s hurt or their property’s damaged, it’s your bank balance that’ll suffer. Protect it with cover that pays your costs and any compensation.

Portable equipment insurance is an essential for sole traders. That laptop is your livelihood: drop it, lose it or get it stolen and it’s not just inconvenient and expensive – it’s a potential deadline misser. Protect what you need to do your job when you’re out and about.

Cyber and data insurance covers the consequences of a hack or breach. If you use email, store customer data electronically or run your own website, you’re a target for cyber criminals – even as a sole trader. Damage limitation, tech investigation and reputation protection are expensive, specialist areas your policy pays for.

Personal accident insurance could be, almost literally a lifesaver for sole traders. A serious injury or illness that means you can’t work could spell financial hardship and lost clients. This insurance pays for help to keep your business working and it covers your medical bills too.

What our customers say...
The advice given was very helpful in relation to my position as being semi retired
Architectural Technician
29 March 2020
Everything was very clear and easy to follow.
Charity/not-for-profit organisation
26 March 2020
Great service and price for our professional indemnity cover. The agent we dealt with was very knowledgeable and helpful.
Data Protection Advice
21 March 2020

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Call us and a real person answers. No call centre, no phone menu, no scripts. Just friendly, helpful advice from a business insurance professional.

We're here Monday to Friday, 9 to 5.
0345 561 0320
Catherine Roberts
Account Executive
Jane Aldous
Customer Service and Claims
Team Leader
Kerri-Ann Hockley
Head of Customer Service
Yasin Akdemir
Account Executive
Zoe Langford
Assistant Account Executive