Business insurance for The self employed

Running a business takes time, effort and dedication, not to mention constant planning for the future. Unfortunately, there are some things you can’t plan for. When you’re self employed, insurance that comprehensively protects you and your business against the unexpected means you’ll never have to face it alone. From public liability insurance through to personal accident cover, a tailored policy will give you full peace of mind.

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Self employed insurance – why it matters

If you’re self employed, you’ll be familiar with the perks of working for yourself. As your own boss, when things go right you get to take the credit. But there’s a level of risk involved too. You may have an accident and find yourself unable to work, or an unhappy client might take unexpected legal action. As a self-employed person, when disaster strikes it can feel particularly hard to deal with the fallout. Hiscox can arrange a tailored insurance package that can give you the level of cover you need for the risks you face.

Public liability insurance for the self-employed

When you work as a freelancer or contractor it can be easy to assume you’re not vulnerable to public liability claims, especially if you don’t have a public-facing office or shop. But a number of scenarios could end up with you facing legal action - even something as simple as spilling a cup of coffee on a client’s high-spec laptop. Our public liability insurance for the self-employed will cover you for the costs that arise from having to deal with such a claim.

How getting insurance as a self-employed person can help

Accidents and injury

Self employment has its benefits but there are added pressures too. You may be ill or have an accident and lose out on earnings if you can’t work for a while. Whether you’re a freelance writer with a broken finger, or you run a business with employees and you find yourself bedbound, we’ll help you to offset the financial losses of being out of action. If it’s a client who has an accident or injury due to your professional services, our public liability insurance for the self-employed has got you covered.

Unhappy clients

No matter how much pride you take in your work, it’s possible that you could be challenged at some point in your career. You might be accused of misinterpreting a brief or offering unsound professional advice. Either of those could lead to a disgruntled client bringing a claim of negligence against your business. No matter who’s at fault, our professional indemnity insurance will cover the cost.

Technical problems

Whether you rely on computers, cameras, beauty equipment or something else, as a self-employed person you can’t operate without the tools of your trade. And no matter how careful you are, one spilled cup of coffee could spell the end for a key piece of equipment. If it happens, we’ll cover the cost of repairing or replacing the damaged item.

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

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Key types of insurance for the self employed

I am becoming a self employed consultant after 40 years as a salaried employee. Your website was clear, informative, and user friendly in making the purchase of insurance.
Dr Roderick Allen Pullen from Cambridge
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These are just some of the types of business insurance for self-employed people 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.

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Self employed guides, articles & answers

What is the difference between the self employed and sole traders

The meaning of sole trader is somebody who is self-employed but is also the exclusive owner of their business. The term is used to describe the type of business structure you use. As a sole trader, you (the business owner) and the business itself are considered one legal entity, so you are entitled to all profits after tax.

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How freelancers and small business can chase late payments

One of the joys of being your own boss is the ability to choose your own working hours, but it’s no fun if these hours are spent chasing late payments. Here are some tips to help you prevent late payments, as well as some guidance about how to deal with clients who pay late.

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A guide to controlling your finances, for the self employed

Being self-employed means that you always stand to feel the gains and losses of your business acutely. In this article, we discuss the financial pitfalls and opportunities that the self employed should be aware of, to have control of their business finances.

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