Coronavirus help and support for our insurance customers

Self Employed Insurance

Flexible business insurance for the self employed. Essential covers available including public liability insurance and professional indemnity.

  • Cover available for self-employed individuals across various professions: tradesmen, photographers, hairdressers and many more
  • Access to our panel of insurers allows you to arrange a policy that meets your specific needs
  • We can help you adjust your cover when your business requirements change

Compare self employed insurance quotes

Get a quote

Retrieve your quote >>

Have a chat with the team, they can guide you through your quote and answer any questions

0344 892 1664
0344 892 1664

Mon-Thu 8:30am-5.30pm, Fri 8:30am-5.00pm
Can’t get through right now? Request a callback

What does insurance for self employed people cover?

Self employed business insurance

There are many different types of business out there and each has its own insurance requirements. Self-employment also carries all sorts of variables like where you work from, how many employees you have and whether you use equipment. These can all have an impact on the type of cover you’ll require. That’s why we like to talk things through with you and find the most suitable policy whether you’re an accountant or a carpenter.

Choose from a range of features

Public liability insurance is often a starting point for many businesses seeking insurance. Then we can look at other options like employers and product liability, professional indemnity, buildings cover, equipment cover and more. All in all it’s about finding a combination to suit you.

What if your business grows?

Great! Just let us know how your circumstances have changed and we’ll adapt your policy accordingly. Your insurance should be in no way constricting so just keep us posted. Do remember that your premium may change and there could be an adjustment fee of around £10.

Self employed insurance comparison

We've got a selection of trusted insurers who can cover the risks associated with being self-employed. What this allows you to do is choose from several quotes with different premiums and cover until you find the best fit.

Self Employed Insurance Claims

Your claim will be handled by the insurer you have chosen to take your policy out with so the number you need to call will be provided on your policy documents.

We want to make claiming as straight forward as possible so we provide our own claims support team for customers who need additional help. From questions about your claim to finding the right contact number, we’re on hand to help you out.

Need some help?

Call Towergate’s claims support team for guidance on:

0344 892 1384

Self Employed Insurance Articles & Guides

Read more about business, self-employment, and how you can stay ahead of the game

Self Employment Guide


How to be Self-Employed: A Guide

Starting your own business is one of the most exciting career moves you can make. More and more entrepreneurs are making the leap, with the number of self-employed people...

View article
Professional Indemnity Insurance Explained

insurance guide

Professional Indemnity Insurance Explained

Learn how to protect yourself and your small business with our comprehensive guide to professional indemnity insurance, also known as professional liability insurance.

10 Tips For Sole Traders


10 Tips for Sole Traders

Here are some top tips to keep your business running smoothly with our sole trader insurance.

Self Employed Insurance FAQs

When do you need public liability insurance if you're self employed?

Public liability cover insures your legal responsibility to provide compensation for third parties who our injured or have had their property damaged due to a form of negligence. When applied to a self-employed insurance policy such as this one, the accident that has caused the damage must be linked to yourself whilst acting on behalf of the business.

How much liability should I cover myself for?

This is tricky for us to advise on as your needs will vary dramatically from one business to another. It can be difficult to find advice when you’re self-employed but you can always ask local councils, those you work for or other local authorities to see if they have minimum requirements regarding the amount of public liability cover you should have in place.

What are the insurance requirements for self employed people?

Employer's' liability insurance is a legal requirement if you have employees but additional cover is recommended to protect you from financial loss.

What is employer’s liability cover and why do I need it?

This is only a requirement if you have your own employees but if you do, then it is a legal requirement for you to have insurance in place. The cover will enable you to provide compensation for your employees if they have suffered an injury or illness during the course of their employment and due to them carrying out their job.

Can I pay in instalments?

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

Request a callback

Full name   Contact number     Email address     Please note: This service operates only during office hours.