Working for yourself brings a different set of risks to cover, from client work and site visits to the tools you rely on every day. Cover options built around how sole traders actually operate.
Tell us a little about your business and we’ll be in touch to discuss your insurance requirements.
As a sole trader, you’re personally responsible for the risks your business creates, from a client’s property being damaged to a claim over the advice or work you’ve provided. Sole trader insurance is designed to help protect you and your income against these exposures, subject to policy terms, conditions and exclusions.
01
Is designed to help protect you against claims for third-party injury or property damage arising from your business activities, subject to policy terms, conditions and exclusions.
02
Can help cover the cost of defending claims arising from advice, services or work you’ve provided, subject to policy terms and conditions.
03
Financial support may be available if an insured accident or illness prevents you from working, subject to policy terms and conditions.
04
Is designed to help protect the tools and equipment you rely on against loss, theft or damage, subject to policy terms, conditions and exclusions.
A client claims damage to their property while you're working on site
A dispute arises over advice or work you've provided to a client
Tools or equipment are stolen from a vehicle or work site
An illness or injury stops you from working for an extended period
A client or member of the public is injured at your place of work
A contract requires proof of insurance before work can begin
Important: The information provided on this page is general in nature and does not take into account your individual circumstances. Insurance cover, terms, conditions and exclusions vary between insurers and policies. Your insurance requirements will depend on your business activities, contracts, assets and individual circumstances. Please refer to the relevant policy wording and documentation for full details of cover. The risks listed above are general examples only, for illustrative purposes, and do not confirm that your individual policy will respond to any particular claim.
Public liability is one of the most commonly considered covers for sole traders, particularly where you work on a client’s premises or property. Whether it’s required often depends on your contracts and the industry you work in, your broker can confirm what’s relevant to you.
If your work involves advice, designs, consulting or services a client relies on, professional indemnity insurance is commonly considered, subject to your industry and the contracts you sign.
Personal Accident & Illness cover can help provide financial support if an insured accident or illness prevents you from working, subject to policy terms, conditions and exclusions.
Tools and equipment cover can be arranged for the items you use in your work, including cover options for loss, theft or damage, subject to policy terms and conditions.
Cost depends on your industry, the covers you need and your claims history. We’ll talk through your circumstances and provide options that reflect how you actually work.
Tell us a bit about what you do and one of our brokers will be in touch.
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