Specialist cover for self-employed professionals from as little as £5 a month
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Cover starting at £5 a month
Cover starting at £5 a month
Frequently asked questions
How can I reduce claim risk?
There are many ways to minimise the risk of making a claim on your self-employed liability insurance. For example, it’s advisable to:
- Create your own intellectual property to avoid copyright disputes
- Always ensure you have adequate contractual arrangements in place with clients
- Do not offer services that fall outside of your area of expertise
- Use anti-virus and anti-malware software and encrypt your data to help prevent data breaches
- Carry out routine risk assessments and take measures to protect the health and safety of your employees and members of the public who you come into contact with
- Provide employees with adequate and ongoing training
- Ensure your employees have the personal protective equipment and safety equipment they need to carry out their jobs safely
- Ensure you have fire alarms, extinguishers, burglar alarms, CCTV and suitable security at your office premises.
What other types of business insurance might I need?
As a self-employed professional, you may benefit from a range of policies, including:
- Legal expenses cover
- Directors and officers insurance
- Occupational personal accident insurance
- Cyber insurance.
For more information on any of our specialist covers, don’t hesitate to contact our team.
What's the difference between professional indemnity and public liability?
Professional indemnity 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. You should have this financial protection in place if your business provides professional services and advice to clients or you handle data for clients. It is particularly important to have this insurance in place if you are in an industry in which disputes over copyright and quality are commonplace.
Public liability insurance covers against allegations of injury or illness caused to members of the public by your negligence, as well as damage to third-party property. For example, if a client slipped or tripped on your premises or you damaged a customer’s laptop, you could be held liable for compensation. Public liability cover is important for any self-employed worker who comes into contact with any third-party individuals, whether they’re clients, suppliers, tradespeople or members of the general public.
It’s important to realise that professional indemnity insurance and public liability insurance provide cover against different risks so you should consider arranging both to ensure you are properly protected.
I need to arrange insurance to start work - do you provide proof of cover?
Yes. We provide a dedicated 'Confirmation of Liability Insurance' document (detailing the cover you have with us) as part of the documents that are emailed to you if you purchase your policy with us. You can present this document to agencies and clients as proof that you are insured.
How is Markel regulated?
Markel International Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. You can get further details by visiting the Financial Services Register.
Expect more from your self-employed insurance provider
Our policyholders receive access to these unique services designed to make your life easier (included as standard with certain covers).
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