Self-Employed Insurance

Dedicated cover for self-employed professionals

Running a business means taking on many risks yourself. Even a single claim, accident, or delay can have a big impact, both on your reputation and finances.

Gallagher can arrange suitable cover around how you work as a freelancer, sole trader, or independent professional. Our cover can help protect against liability issues, challenges related to professional advice, or loss of income, so you can keep your business moving if something unexpected happens.

Business insurance for self-employed professionals

Self-employed insurance can provide you with tailored protection if you work for yourself, rather than for an employer. It's there to help protect you if a customer or member of the public is injured, or their property is damaged due to any of your business activities. Legal fees and compensation can be costly, and if you don't have self-employed insurance in place, you could be liable for absorbing all the costs.

With suitable insurance, you can get help with the cost of legal action, compensation, or business interruption, helping to provide reassurance that your business is supported if something goes wrong.

Our self-employed insurance cover can include

Public liability insurance

Designed to protect self-employed individuals if a client or member of the public is injured, or their property is damaged because of your work. It can help cover legal costs, compensation claims, and associated expenses from these incidents.

Employers' liability insurance

A legal requirement if you have staff, providing cover if an employee becomes ill or injured due to their work. It can help cover compensation claims and legal costs arising from workplace accidents or work-related illnesses.

Support in the event of a client claiming that your advice or services caused them financial loss. It can help cover legal defence costs and compensation if a claim arises from errors, omissions, or professional negligence.

Financial support if you are unable to operate business as usual due to an insured event, such as fire or flood. This cover only applies where the business owner operates from an insured business premise to which damage or restrictions to access prevents them operating.

These are brief product descriptions only. Please refer to the policy documentation, paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.

Professions Gallagher can offer cover for

Self-employed insurance offered by Gallagher is designed for a wide range of independent professionals and small business owners. Whether you offer a personal service, provide advice, or manage projects for clients, cover can be tailored to the way you work.

This can include

Freelancers and consultants
Sole traders (plumbers, decorators, etc.)
Creative professionals (designers, photographers, etc.)
Health and wellness practitioners
IT professionals and contractors
Beauty and therapy professionals
Tutors and educators
Virtual assistants
New start-ups

If your profession isn't listed, our team can advise on suitable options. Many occupations can still be covered through flexible insurance designed for self-employed professionals.

Why choose Gallagher

At Gallagher, we understand that every self-employed professional runs their business differently. Some work independently, while others have a team supporting them. As a specialist insurance broker with access to the Lloyd's of London market and a broad network of insurers, we can arrange suitable protection for a wide range of industries.

Our aim is to keep the process clear and straightforward, offering flexible cover that can adapt as your business grows. Speak to our team to find out how we can help protect your work, reputation and income with suitable insurance.

Cover tailored to your occupation and business
Helping to support you if a claim is made against your business
Helping cover the cost of claims relating to advice or services you provide
Specialist team available to offer guidance and arrange suitable cover

Self-employed insurance: Frequently asked questions

Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.

Do I need public liability insurance if I work from home?

If people visit your home for business purposes, you might need to consider public liability cover as part of your self-employed insurance package.

Your regular home insurance may not cover you for business-related claims, so if anything happens to a business visitor or their property in your home, you could be liable. If you're unsure whether you need self-employed liability insurance, you can call us on 0800 062 2027 or complete our form.

How much does self-employed insurance cost?

The cost of self-employed insurance will depend on a few factors, including:

Your occupation: Manual workers such as plumbers and builders generally pay more for self-employed insurance than clerical workers like graphic designers and writers. This is because their work is more likely to physically affect members of the public.
The type of jobs you do: The amount you pay for cover will also depend on the risk level associated with the type of jobs you take on. If you work in large and busy public buildings, you will often have to pay more than if you work mostly in your own home.
The size of your business operation: Your turnover is one of the main factors that providers will assess to work out how much you will pay for your self-employment insurance.
Your claims history: If you've made business insurance claims in the past, you may have to pay more towards your self-employed insurance cover.

Why should I choose Gallagher for my self-employment insurance?

As a specialist insurance broker, we have access to the entire Lloyd's of London market and work with a number of different industries. Our self-employed insurance packages include bespoke policy wordings tailored to your own circumstances.

We can cater to businesses of all sizes, whether you're a sole trader, freelancer, or you have a small number of employees.

How do I find out more about self-employed insurance?

If you'd like to find out more about bespoke self-employment insurance, call us on 0800 062 2027. Or simply complete our form. We're here to answer any questions you have about self-employed liability insurance and other covers you may need to protect your business. You can get a quote and purchase your insurance online in your own time.

Gallagher SME Team

0800 138 7584

Self-Employed Insurance

Protect your business, income, and reputation with tailored cover for freelancers, sole traders, and independent professionals.

Start your journey with us today.
Call us on 0800 138 7584

Dedicated cover for self-employed professionals

Business insurance for self-employed professionals

Public liability insurance

Employers' liability insurance

Professions Gallagher can offer cover for

Why choose Gallagher

Self-Employed Insurance

Self-employed insurance: Frequently asked questions

Do I need public liability insurance if I work from home?

How much does self-employed insurance cost?

Why should I choose Gallagher for my self-employment insurance?

How do I find out more about self-employed insurance?

Gallagher SME Team

Dedicated cover for self-employed professionals

Business insurance for self-employed professionals

Public liability insurance

Employers' liability insurance

Professions Gallagher can offer cover for

Why choose Gallagher

Self-Employed Insurance

Self-employed insurance: Frequently asked questions

Do I need public liability insurance if I work from home?

How much does self-employed insurance cost?

Why should I choose Gallagher for my self-employment insurance?

How do I find out more about self-employed insurance?

Gallagher SME Team

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