Business insurance for Freelancers


Freelancing can be a great lifestyle, meeting with different clients, setting up in a cafe, or even working outdoors in the nice weather. But being a free agent doesn’t come without risks. If a client isn’t happy with your work or an accident puts you out of action, that dream setup can become expensive and stressful. As a freelancer, insurance gives you the reassurance that you’re covered when things don’t go to plan, so you can get on with what you do best.

Get a quote for your business in minutes

Tell us about your business – We’ll help you to build your quote and explore your insurance needs.

Get a quote
Hiscox banner shape mask mobile Hiscox banner shape mask

Insuring your freelance business


Working from home, or wherever you feel like setting up for the day, is great, but it doesn’t mean you’re exempt from the risks faced by other professionals. From a client claiming you provided bad advice, to your computer equipment being damaged, or even finding yourself needing to take time off that’s both unscheduled and unpaid. Hiscox freelancer insurance for freelancers sees to it that nasty surprises are manageable. Ensure your venture is protected by understanding what insurance you need as a freelancer.

Why you need business insurance for freelancers


Personal injury

A broken arm caused by a rush-hour traffic incident results in several days in hospital. As a freelancer, being unable to work means lost income, but the bills and the mortgage still need to be paid. Adding personal accident insurance to your freelance work cover can provides a weekly pay-out to help with expenses and can also help with the costs of support staff or retraining.

Unhappy clients

A client is unhappy after a piece of unapproved work with information about one of their customers is published. It causes contractual issues between the freelance creative and their clients resulting in the loss of valuable future work. They take legal action but with professional indemnity insurance the costs of legal action and settling a claim are covered.

Technical problems

A hi-spec computer monitor falls from a table in the office, damaging it beyond repair and temporarily preventing a freelance web designer from getting any work done. With office contents insurance the cost of a new laptop is covered, allowing work to carry on without impacting clients or endangering income.

Not sure what you need?

If you’re not sure what you need, tell us a little more about your freelance business. We’ll help you to build your quote and explore any other insurance needs.

Build my cover

Key types of insurance for freelance workers


Get your business insurance quote in minutes

These are just some of the types of business insurance for freelancers that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.

Get your quote
Excellent rate for this insurance. Able to get my policy documents immediately and was able to secure a contract which depended on proof of insurance.
Trusted Customer