Sole Trader Insurance | AJG United Kingdom

No matter your chosen profession, if you're self-employed, a sole trader, or you work as a freelancer, you may need self-employed insurance.

As one of the world's largest insurance consultancy firms, we can help you find suitable cover:

Public liability insurance
Professional indemnity insurance
Employers' liability insurance
Protection for tools and business equipment

Self-employed insurance can be tailored to your needs, whether you work on your own or employ other members of staff.

Why might I need business insurance when I'm self-employed or a sole trader?

Many people choose to be self-employed for a number of reasons, including freedom and flexibility. But it's important to make sure that your business has adequate protection - especially if you deal with members of the public, including delivery people, customers, and suppliers.

Self-employment insurance is there to help protect your finances if a customer or member of the public gets physically harmed, or their property is damaged due to 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.

Self-employed insurance can provide cover for legal fees, as well as compensation in the event of a claim by a customer or an employee.

GET A QUOTE

Why choose Gallagher for your sole trader insurance?

Using a trusted insurance provider who knows your industry and understands your business can make all the difference.

Trusted by over 100,000 small businesses across Gallagher in the UK*
Rated ‘Excellent’: Over 6,000 customers have reviewed Gallagher on Trustpilot*
Advice and guidance available from a team of specialists
Policies can be tailored to meet the needs of individual businesses

*Correct as at July 2025

What can sole trader insurance cover?

Catering to businesses of all sizes, whether you're a sole trader, freelancer, or you have a small number of employees, Gallagher can provide you with:

GET A QUOTE

Public liability insurance

Self-employed liability insurance is an important cover for self-employed professionals to consider. It can help to protect you if someone is injured, or the property is damaged because of your business.

Professional indemnity insurance

If your business gives advice or offers professional services to other businesses, professional indemnity insurance can be vital. It can help provide cover if you unintentionally give false or inaccurate advice that causes financial loss to a client.

Employers liability insurance

If you have employees, contractors, casual workers, or temporary staff, it’s a legal requirement to have employers' liability insurance. It’s designed to help provide financial protection for compensation claims made against you by your employees if they are injured and/or their property is damaged.

Policy limits and exclusions may apply. Please see the policy wording for full terms and conditions.

How much does sole trader 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.

Speak to one of our specialists

For more information about our products and services or to speak to one of our specialists, please call on 0800 612 3787.

GET A QUOTE