Freelance insurance
Our specialist freelance insurance offers expert cover for freelancers, including consultants, designers and IT contractors. With over twenty years experience insuring freelancers, we offer an unrivalled knowledge of the risks facing your profession.
An unexpected event could cause serious financial problems for your business. A client taking legal action over a poorly run project, damage caused to a company owned laptop, or a fire at your office could cost your business thousands. Our freelance insurance could cover your business in these instances and many more.
Building a comprehensive policy for your business is quick and easy. Our quote system asks about your freelance activities and offers covers that may be of interest. You can buy all or just some of the covers quoted, so you will only pay for the cover you need.
Tailor your freelance insurance policy with these covers
Professional indemnity insurance covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and if unsuccessful, the cost of damages awarded against you. This is a necessity for freelancers, as most clients will require it before entering into a contract with you, and insurance cover is available with limits ranging from £50,000 to £5m.
Public and product liability insurance covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products. The legal fees alone could cost your business thousands of pounds. Limits range from £1m to £5m.
Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment. If you employ staff, this cover is essential. Cover for £10m.
Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property.
We offer specialist insurance for home based freelancers
If you work from home, our homeworker policy has been specially designed to cover the risks facing your business. Home insurance policies rarely include cover for mistakes you make in your work, so be sure to arrange specialist cover that will not leave your business exposed if something unforeseen happens.
Our homeworker insurance can be tailored to meet your individual requirements, with varying limits on our liability covers to suit all sizes of business. You can also choose to insure any valuable business equipment against theft, accidental damage and more.
Insurance for freelancers starts at just £5/month with the option of spreading the cost of your policy over 10 instalments.