Self-employed insurance

Specialist cover for self-employed professionals from as little as £5 a month

  • Fast, easy online quote in 90 seconds

  • Interest free direct debit

  • No hidden fees or cancellation charges

When a business is also your livelihood, it is vital you are properly insured.

Our self-employed insurance has been designed to cover the risks facing small business owners and sole traders.

When setting out on new business endeavours, it’s important to protect yourself against unforeseen issues that may appear in the future.

If you are unsure which types of cover your business needs, we can help you build your self-employed insurance policy. Our simple quote system allows you to choose the cover you want, with no unnecessary extras.

Insurance for self-employed workers

We understand that no two businesses are the same. With Markel, you can tailor your insurance to your business’ requirements, giving you confidence in the knowledge that you’re financially protected should the unexpected happen. Whether you’re a sole trader or a limited company working from business premises or working from home, we can help arrange self-employment insurance for you.

What does self-employed insurance cover?

You can tailor a policy online to cover your business against:

  • Allegations of professional negligence, such as making a mistake in a project for a client (professional indemnity insurance)
  • Allegations of injury to a client or damage to their property (public liability insurance)
  • Accidental damage to business equipment (business equipment insurance)
  • Allegations of illness and injury suffered by employees, for which you may be held responsible (employers’ liability insurance)

Do I need insurance if I am self-employed?

Working for customers and clients means there’s always a chance that things could go wrong on the job. Without self-employed insurance, you could be left with a huge bill if an error in a piece of work causes your client a financial loss, you accidentally cause injury to a client (or damage to their property), or expensive business equipment is stolen.

Additionally, if you’re a small business owner with staff working for you, then it’s a legal requirement that you have employer’s liability insurance. Without it, you could face a fine of up to £2,500 a day.

How to buy self-employed insurance

Get a quote from Markel for self-employed insurance today, including public liability cover, professional indemnity cover and more. You can build your insurance package online to suit your business requirements in a matter of minutes.

How much does self-employed insurance cost?

The cost of your self-employed insurance depends on what you are covering, the type of work your undertake and the level of protection you want. The total premium is the result of several factors, but premiums start at £5 per month.

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Cover starting at just £5 a month

Tailor your self-employed insurance policy with these covers

  • Professional indemnity insurance

    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 any compensation or damages subsequently awarded against you. This is generally seen as vital protection for all self employed professionals and start up businesses, with limits ranging from £50,000 to £5m.

  • Public and product liability insurance

    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. This is an important cover if you regularly deal with clients or members of the public. Limits range from £1m to £5m.

  • Employer’s liability insurance

    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. Regardless of the industry you work in, if your business employs staff, you need this cover. Cover for £10m.

  • Legal expenses insurance

    Legal expenses insurance pays your legal costs and expenses for contract disputes, tax enquiries (including IR35), attending jury service, debt recovery, personal injury, as well as any award you are required to pay following an employment dispute with an employee. There is a limit of £100,000.

    If a client takes legal action against you because of an error you have made, this cover can prevent you from needing to use your own finances to cover legal expenses.

  • Directors and officers insurance

    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

    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.

  • Occupational personal accident insurance


    Occupational personal accident insurance provides a weekly payment if you are unable to work due to temporary total disablement (subject to a 14 day deferment period).

    In the event of loss of limbs, sight, speech, hearing, permanent total disablement or death, a lump sum would be paid out.

    If you would struggle to maintain an income if you were unable to work following the accident, you should consider having occupational personal accident insurance to help ease the financial burden. Limits from £100/week to £500/week for temporary total disablement (£25k lump sum to £100k lump sum for permanent total disablement).



  • Cyber and data risks insurance

    Cyber and data risks insurance pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit following a cyber attack. It also pays your legal defence costs and damages you are legally liable to pay to other parties. If you hold confidential information about your clients and their projects on computers and other internet connected devices, you should consider to this cover.

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Cover starting at just £5 a month

Frequently asked questions

  • 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.

  • 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.

  • 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, 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

    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 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 hour legal helpline 24/7 access to a legal advice helpline manned by qualified solicitors

Legal hub access 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

Discover more about these services


Cover starting at just £5 a month