Freelancer and contractor insurance
Specialist cover for freelancers and contractors from as little as £5 a month
Fast, easy online quote in 90 seconds
Interest free direct debit
No hidden fees or cancellation charges
Cover starting at just £5 a month
Cover starting at just £5 a month
Frequently asked questions
I need professional indemnity insurance to secure a contract - do you provide proof of cover?
Yes. If you purchase your policy with us, your documents are emailed to you instantly and include a dedicated 'Confirmation of Liability Insurance' document (detailing the cover you have with us) which you can present to agencies and clients as proof of cover.
I work from home - doesn’t my home insurance policy cover me?
It is unlikely that your home insurance policy would cover you for risks arising out of running your business at home. Check with your home insurer to find out. In most cases, you need to arrange separate business insurance.
What's the difference between professional indemnity and public liability?
Professional indemnity insurance covers against allegations of professional negligence - which means it would cover you if you were to make an error or mistake in a piece of work (such as a project or report) for a client.
Public liability insurance covers against allegations of injury or illness caused to third parties by your negligence. This includes many of the slips, trips and falls that are associated with personal injury claims. In addition, public liability insurance covers against damage to third party property - for example, if you were to damage a client-owned laptop or smartphone.
As they insure against different scenarios, it's important you consider arranging both types of cover to ensure you are properly protected.
What does business equipment insurance cover and do I need it?
This cover protects portable business equipment such as computer equipment, photographic equipment and mobile phones. Cover applies anywhere in the world (including at your premises) and is on an ‘all-risks’ basis. There are some exclusions so please refer to the relevant summary of cover for a more detailed explanation of the cover we provide. As a freelancer or a contractor, you may want to consider adding this to your policy.
Find out more on our office insurance page.
What’s the difference between a contractor and a freelancer?
Whilst similar, there are slight differences between contractors and freelancers. Contractors are an external worker usually brought in to complete a particular project, and tend to work on a contract-by-contract basis. A freelancer is not affiliated to a particular company; as such, many freelancers aren't tied into a single contract and can choose how much work to take on. Visit this article for more information.
Is my past work covered?
We cover past work if you have held professional indemnity insurance uninterrupted prior to arranging your policy with us.
If there was a period of time where you did not have professional indemnity insurance in force (for example, you have never arranged professional indemnity insurance before, you chose not to renew a previous policy or you cancelled a previous policy at the end of a contract) we are unable to cover past work.
If you require further clarification, don't hesitate to call us on 0800 640 6600.
What limit of cover should I choose?
Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover in order for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, or it's the first time you have arranged cover, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits on insurance for photographers, so you're sure to find the right cover for your business.
Why should I choose Markel’s insurance?
Markel has over 25 years of experience insuring contractors, consultants and self-employed professionals. We insure over 200,000 micro businesses and are highly rated by our customers at Feefo.com.
We are a division of Markel International, a Lloyd’s and London market insurer that wrote gross premium totals of $1.2 billion in 2018.
To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.
How are Markel regulated?
Markel is regulated by the Financial Conduct Authority and Prudential Regulation Authority – details of which you’ll find on the Financial Services Register.
Expect more from your insurance provider.
When you take out cover with Markel, you receive these exclusive services as standard:
24/7 access to a legal advice helpline manned by qualified solicitors
Access legal templates and resources with the Markel Law Hub
Access our fee dispute service to assist with unpaid invoices
Receive discounted IR35 contract reviews with your policy
Expert management of public relations crises with The Counsel House
A specialist cyber response helpline to help in the event of a cyber attack