As a self-employed professional, you are still vulnerable to risks of accidents in your work causing harm to third parties; you need public liability insurance. This cover protects you in the event that you are sued for damages by a member of the public, including clients.

Specialised self-employed liability will cover you for the legal costs incurred in defending the claim and the costs you may need to pay as compensation to the person making a claim.

You may not be sure about what level of public liability insurance to buy as the scale of your operations is likley to be smaller than other businesses. We can help determine the level of risk your self-employed business is likely to encoutner, ensuring that the liability cover you receive is appropriate.

Call on 0800 2800 351 Mon - Fri, 8am to 7pm, Sat, 9am to 2pm excluding bank holidays.

Why do self-employed professionals public liability insurance?

As a self-employed professional, you undoubtedly have customers or clients of some variety. If one of these were to, for example, visit your office for a meeting, and trip over on a loose piece of carpet, they may claim that the injury sustained had left them unable to work. That client could sue you for compensation as you have a duty to ensure the environment in which you work poses no harm to members of the public.

Even if you do not have clients visiting you, you may go to see clients at their workplace. If you caused an accident in a client's office, such as spilling a cup of coffee over a computer or leaving laptop cables across a pathway causing someone to trip, you could be liable for any damage or injury caused.

For the self-employed, public liability insurance is not mandatory by law but is often a contractual requirement as your client may want to ensure you have adequate protection in the event of an accident. If the worst should happen, liability cover will help your business deal with the legal costs of a claim. This cover is available to freelancers ands sole traders as part of our specialist policies.

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Reasons to get the right cover:

  • A claim could be made against you even if you don’t have people visiting you on your work premises. For example, if you were to accidentally damage a client’s property in their office or even their home. 
  • The ‘no win, no fee’ culture means that it was never been easier for people to bring claims for compensation against businesses. This essentially means that people may be more likely to take a stab at making a claim for compensation even if their chances are slim, because the cost to them will be minimal. 
  • Many companies and organisations will also insist on their suppliers having public liability cover in place.
  • Anyone you employ could be the cause of a public liability claim being brought against your business, so there are more than just your own actions to consider.
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Get a public liability insurance quote online

  • 0% interest on Direct Debits
  • Immediate coverage and documentation
  • No admin fees if you amend your policy

Need more help? Speak to our UK-based experts. Call us on 0800 2800 351

What type of insurance do you need when you're self-employed?

Alongside public liability insurance, professionals working for themselves should consider the following commercial insurances. Depending on the risks you are exposed to in your line of work, some or all of the following business insurance covers may suit you:

Professional Indemnity Insurance
Professional indemnity insurance can protect you and your small business against the cost of settling or defending a client’s claim that there’s a problem with the work you’ve done for them.

Employers’ Liability
Employers’ liability insurance covers the cost of defending or settling an employee’s claim that they have suffered bodily injury or disease as a result of the work they do for you. It covers the legal and compensation costs for these claims. Most businesses with employees are legally required to have it.

Office Contents Insurance
Whether you work from home or a separate business premises, office contents insurance is designed to protect a business's equipment, such as computers, furniture, and documents.

Get an online quote for your business

  • 0% interest on Direct Debits
  • Immediate coverage and documentation
  • No admin fees if you amend your policy

Need more help? Speak to our UK-based experts. Call us on 0800 2800 351

Mon - Fri, 8am - 7pm, Sat, 9am to 2pm. Calls are free from a landline and some mobile contracts.