Do I need business insurance if I’m self-employed?

  • 2 Min Read
  • Self Employed
Self-employed business owners are not exempt from needing business insurance, but like limited companies and partnerships the type of insurance required and minimum levels of cover are dependent on a number of factors.

Public Liability Insurance

If someone could be at risk of getting injured, or their property damaged because of your work, you should consider getting public liability insurance. Find out more here.

Professional Indemnity Insurance

If you give advice, handle client data or provide a professional service and could potentially be sued for negligence or making a mistake, then you’re likely to need professional indemnity insurance. Find out more here.

Employers’ Liability Insurance

If you employ any staff at all, including temporary staff or contractors, employers’ liability insurance is a legal requirement. Find out more here.

As a self-employed person, you’ll most likely be able to claim for all your business insurance as an expense against tax.

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