Sole Traders Insurance

Heading out on your own? You’ll find the sole trader business insurance you need at Towergate.

  • Cover for as range of different business types
  • Build a sole trader insurance package around your business needs
  • Includes options public, employers' or product liability insurance for sole traders

Get a sole traders insurance quote and buy online

Get a quote

Need a quote? Call us and we'll guide you through the process

0344 346 0409
0344 346 0409

Mon - Thu 8:30am - 7pm, Fri 8:30am - 5.30pm, Sat 9am - 1pm
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What does sole trader insurance cover?

We cover a range of businesses

Whether you work from home, are a mobile caterer, run a shop or an online business; we have options you can choose from to protect your way of working. We also insure a multitude of different types of business, you could run a fish mongers or a cobblers either way, we’ll help you to find the most suitable cover. There are still limits to what we can do and market traders and asbestos contractors are trades we can't cover.

We offer a range of features

It might be that all you need to cover is sole trader public liability insurance. As such we’d help to arrange a basic policy for you. By contrast, some businesses will require cover for employees, equipment, buildings and more. In this case we can put together a bespoke package for you which combines the elements you need into one insurance package. Some things (e.g. cover for tools left in a vehicle over night) won't come as standard so it's worth being thorough with what you need.

Encouraging your business to grow

As you and your business grow and change we can adapt your policy to suit your new circumstances. If you’re a mobile caterer and you decide to purchase permanent premises, if you gain more employees or if you don’t need as many; we can alter your policy as and when you need us to. Just let us know when things change and we’ll take a look at how we can help. Just remember that your premium may change too.

Helping you choose from a panel of insurers

Once we've established the type of business you run and identified your businesses individual needs, we can go to our panel of insurers and find the best suited policy at the most reasonable price. The insurers we use are shown below and it’s likely you'll recognise some familiar names.

Sole Traders Insurance Claims

If and when it comes to the crunch and you need to make a claim, we'll send the details of your claim to the insurer to get your claim resolved as quickly as possible.

If there are any complications with your claim, we’ll follow this up with the insurer and keep you updated with the progress of your claim.

Need some assistance?

If you need support from our team you can call them on:

0344 892 1384

Sole Traders Insurance Articles & Guides

We've got a whole hub of information about the different things we insure, here are a few that might be of interest:

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Social Media for Small Business: A Guide

If you’re reading this, you already know the importance of the Internet for a business! More than ever, the Web, and social media in particular, is becoming the marketplace – so how can your small business make the most of social media? Let’s take some of the `mystery out of it with our guide to social media.

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Freelancers - Who is Responsible for What?

Are you currently freelancing, or are you considering a career shift into self-employment? In this article, we help you prepare for self-employment by discussing freelancer responsibilities in the UK.

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Liability Insurance: An Infographic Guide

If you're a business owner, the likelihood is you'll need some liability insurance. Our infographic explains why it's so important to get covered and the circumstances in which you'll need public, professional, employers, product and director's and officer's liability insurance.

Sole Traders Insurance FAQs

What is public liability insurance and why do I need it?

Public liability insurance is very often required by businesses as part of their insurance package. It covers your legal responsibility to provide compensation if a member of the public is injured, or has their property damaged as a consequence of an accident directly linked to negligence on behalf of your business.

How much liability insurance do I need?

We can advise you on the different kinds of liability insurance your business will require like whether you need employer’s liability of product liability.
What we can’t tell you is the limit of the sole traders liability insurance you should take out. It’s very unique to your business and may sometimes be influenced by local councils or authorities. If you’re struggling to figure out what you need it’s worth speaking to local authorities and councils to see if they have a minimum requirement you should adhere to.

What is product liability cover and why do I need it?

Product liability cover insures your legal responsibility for the products you make available to the public. If you serve food this could be related to a case of food poisoning. If you sell specific products it could be to do with injury caused by the malfunction of one of those products which subsequently causes injury or damage to a third party or their property. It depends on your type of business but our team can help advise on whether it’s something you need or not.

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.

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