What insurance do I need as a sole trader?
Insurance type | What it covers | Who needs it |
|---|---|---|
Public liability | Injury to third parties or damage to their property | Anyone working with clients, in public, or on-site |
Professional indemnity | Claims for financial loss due to advice or services | Consultants, freelancers, and service-based professionals |
Employers’ liability | Employee injury or illness caused by their work | Sole traders who employ staff |
Vehicle insurance | Business use of cars, vans, or other vehicles | Drivers, tradespeople, delivery or mobile workers |
Cyber insurance | Data breaches, cyber attacks, and digital disruption | Anyone handling client data or operating online |
Tools and equipment | Loss, theft, or damage to business tools and equipment | Tradespeople, photographers, mobile professionals |
Business contents | Equipment, furniture, and stock at your premises | Home-based or premises-based businesses |