- Professions
- Advisors' Insurance
- Freelancer's Insurance
- Legal Professionals Insurance
- Consultants' Insurance
- Self-Employed Insurance
- Data Processing Insurance
- Energy Assessor Insurance
- Design Insurance
- Composer's Insurance
- Animation Insurance
- Chamber of Commerce Insurance
- Engineers' Insurance
- Adjudicator's Insurance
- >> View All
- Insurance Covers
- Automatic Covers
- Public Liability Insurance
- Products Liability Insurance
- Legal Expenses Insurance
- Financial Loss Insurance
- Accidental Death Insurance
- Optional Covers
- Employer’s Liability Insurance
- Personal Accident Insurance
- Short Term Income Protection
- Professional Indemnity Insurance
- Professional Insights
- Login
- Payments
Get a quote
- Professions
Professions We Cover
- Advisors' Insurance
- Freelancer's Insurance
- Legal Professionals Insurance
- Consultants' Insurance
- Self-Employed Insurance
- Data Processing Insurance
- Energy Assessor Insurance
- Design Insurance
- Composer's Insurance
- Animation Insurance
- Chamber of Commerce Insurance
- Engineers' Insurance
- Adjudicator's Insurance
- >> View All
- Insurance Covers
- Automatic Covers
- Public Liability Insurance
- Products Liability Insurance
- Legal Expenses Insurance
- Financial Loss Insurance
- Accidental Death Insurance
- Optional Covers
- Employer’s Liability Insurance
- Personal Accident Insurance
- Short Term Income Protection
- Professional Indemnity Insurance
- Professional Insights
- Login
- Payments
- Search
Public liability insurance for the self-employed for less than £54* per year
Not on comparison sites — save money by coming direct to us
Get a quote
- Save £££ on your insuranceCustomers are always telling us how much they saved by switching
- Trusted for over 35 yearsProviding insurance to businesses since 1984
Home » Public Liability Insurance » Self-Employed Public Liability Insurance
Professional Saver Self-Employed Public Liability Insurance
Our standard cover is:
- £1 million cover for public and products liability (with an option to increase to £2 million, £5 million or £10 million)
- £10,000 cover for any financial loss (£50K cover optional)
- Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)
Self-employed public liability insurance helps to keep your business safe in the event of causing injury or property damage to a third party. What’s more, Professional Saver’s self-employed insurance package will give you all the cover you need to run your business, including financial loss, products liability and legal expenses insurance. As such, you can do your job with greater peace of mind, safe in the knowledge your livelihood is safeguarded in the event of any accidents.
Why do you need self-employed public liability insurance?
Although being self-employed offers a number of benefits, from being your own boss to a better work-life balance, it’s important to remember that things can unfortunately go wrong. But with a comprehensive self-employed insurance policy, you’re much better placed to deal with any issues that arise.
All in all, this lets you get on with the job without worrying that one misstep will put your business in the mire, while also making you more appealing to prospective clients. People and businesses will see that you take your safety seriously and are trustworthy as a result.
Here at Professional Saver, we offer low-cost self-employed liability insurance so that everyone can afford the cover they need. To create a tailor-made policy today, fill out our online form at your closest convenience.
Get a QuoteLearn about Public Liability
What’s included with our Automatic Covers
- Public Liability
- Financial Loss
- Products Liability
- Legal Expenses
- Accidental Death
Learn more about our Optional Covers
- Employers Liability
- Professional Indemnity
- Personal Accident
- Short Term Income Protection
Understanding public liability insurance for the self-employed
When shopping around for self-employed insurance, you’re likely to come across the term ‘public liability cover’ more than once, and for good reason. This underpins any insurance policy and covers injury or property damage to third parties, therefore safeguarding you when a customer or member of the public makes a claim against you. Among the situations it covers you in includes:
- Injury to a member of the public after they slip on something you’ve spilt
- Damage to a client’s property while attending a home visit
Why do you need public liability insurance as a self-employed professional?
Being a self-employed professional is a particularly precarious position, as the buck stops with you and you only. As such, it’s crucial you do everything possible to keep your livelihood protected, which is exactly what public liability insurance helps you to achieve.
Get a Quote
How our self-employed public liability insurance works
1 Apply Online
Complete our simple quote form with basic details about your business
2 Get a quote
Get an instant quote & choose any optional covers you may need
3 You’re insured!
Instantly activate your Professional Saver policy and view your certificates online
Get a quote
Chosen by over 5000 businesses and counting *
Online & Anywhere
We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
Monthly Instalments
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
Instant Cover
No need to wait for your documents. Our professional cover starts from the date you select.
Added Protection
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
* Total number of live policies as of 01/03/2024
Self-Employed Public Liability InsuranceRelated Articles
- 3 min read Examples of Claims for Professional Public Liability Insurance
- 4 min read Marketing Your Professional Services in 2024
- 4 min read A Guide To Getting Your Business Registered With Companies House
- 4 min read The Benefits Of Hiring An Accountant For Your Freelance or Consultant Business
- 4 min read What You Need to Know About Paying Self-Employed National Insurance
- 5 min read What You Need to Know Before Hiring Interns or Trainees
Warning: Invalid argument supplied for foreach() in /home/customer/www/professional.tradesmansaver.co.uk/public_html/wp-content/themes/professionalsaver2024/partials/blocks/insights-feed.php on line 82
Self-Employed Public Liability Insurance: Frequently Asked Questions
Do I legally need self-employed public liability insurance?
You’re not legally required to have public liability insurance, but odds are you’ll need it. Not only will it keep your business from going under in the event of an incident, but will help you attract clients.
How much self-employed public liability insurance do I require?
The amount of self-employed public liability insurance you need depends on aspects like how dangerous your jobs are, the value of your contracts, and how much your equipment costs. We can help you work this out if you’re unsure.
How do I make a claim on my self-employed public liability insurance policy?
To make a claim on your self-employed public liability insurance policy, just get in touch with us or your insurer directly to tell us what has happened. Before you do though, check that you’re within the time limits for making a claim and that your policy covers what you’re claiming for. You should also see what the excess is so you’re aware of how much you’re paying towards the claim.
What information do I need to provide to get self employed insurance?
The main information you’ll need to give when securing a self-employed public liability insurance quote includes your name, address and the type of work you typically do. From there, we can provide a quote which is usually lower than you’re likely to find on insurance comparison sites.
Will I automatically get self-employed public liability insurance with any Professional Saver policy?
Every Professional Saver includes public liability cover as standard. In addition to self-employed public liability, you’re also protected against legal expenses, financial loss, accidental death, and products liability. For more information on each of these automatic covers, please consult the dedicated section above.
Do I need any other kind of business insurance as a self-employed professional?
Depending on the industry you’re in, you may benefit from a range of different insurance policies. Business insurance is quite a broad term, and can include cover for things like employers’ liability, professional indemnity and property damage. In some cases, it can be worth making sure that your public liability insurance cover also includes things like professional indemnity insurance cover, employers liability insurance where applicable, and even business equipment cover.
Finding the right insurance cover for you can be tricky. Fortunately, the team at Professional Saver has worked to make it as simple as possible for any self employed professional in the UK. Self employed insurance needn’t be confusing – simply apply with Professional Saver, and we may be able to provide comprehensive coverage to protect you.
What is professional indemnity insurance?
Professional indemnity insurance is an insurance product which protects professionals and businesses from claims made against them for mistakes or negligence in the course of their work. In particular, it can provide cover for legal costs related to defending a claim, as well as any settlement awarded if found liable.
Professional indemnity insurance is normally required by employers, or the self-employed, operating within certain industries or professions, such as accounting, architecture, engineering and IT.
Is self employed insurance a legal requirement?
Self employed insurance is not a legal requirement in the UK. However, it is advisable to have some form of cover in place if you’re operating as self employed, or even running a small business. Depending on your industry and where you work, certain insurance policies may be compulsory – so make sure to check before starting any job. Protecting yourself, your client and the general public is extremely important, not just for your reputation and safety, but also for your livelihood. If a client claims against you, or a member of the general public makes a claim and you don’t have the right insurance cover in place, you could be vulnerable to extremely costly legal fees.
How much does self employed insurance cost?
The cost of your self employed insurance depends on a range of different factors, including your history and the type of tradesperson you are. The cost can also be influenced by the kinds of coverage you require – for example, professional indemnity cover, public liability insurance cover and tools and equipment cover will typically cost more than just public liability insurance. Self employed people across the UK need to pay different amounts for their business insurance policies depending on their daily risks, and the risk they pose to those around them.
However, here at Professional Saver, we’re dedicated to keeping insurance costs as low as possible for all self employed professionals we cover. For an accurate quote on how much you could expect to pay for insurance as a self employed person in the UK, apply with Professional Saver today.
Will self employed insurance protect me against compensation claims?
Yes, it will. The purpose of public liability or professional indemnity insurance for self-employed professionals is to protect yourself, your clients and the general public around you. When you’re protected by the right insurance, you have a safety net around you, protecting your business and livelihood, in addition to being able to provide compensation pay outs to anyone injured as a result of your work.
Can Professional Saver provide tailored cover that meets my exact requirement?
Yes, we can! One thing that often causes confusion amongst professionals in the UK is exactly what kind of insurance cover they need. Here at Professional Saver, we can provide a diverse range of insurance covers, from personal accident cover to employers liability insurance, general liability and professional indemnity covers. Whatever kind of cover you need, excluding vehicle insurance, we aim to be the one stop shop for all your self-employed insurance needs!
Types of Self-Employed Insurance We Provide
- Freelance Insurance Insurance for freelancers, starting from less than £54* per year Read more
- Advisors’ Insurance Insurance for advisors, starting from less than £54* per year Read more
- Author Insurance Protecting authors with specialist insurance policies from as little as £54* per year Read more
- Composer Insurance Protecting music composers from as little as £54* per year Read more
- Engineers’ Insurance Insurance for engineers, starting from less than £54* per year Read more
- Music Teachers Insurance Protecting music teachers from less than £54* per year Read more
- Recruitment Consultant Insurance Protecting recruitment professionals from less than £54* per year Read more
- Videographer Insurance Protecting videography professionals with specialist insurance from as little as £54* per year Read more
Trustpilot
*This indicative price is for £1m public and products liability, £250,000 legal expenses, £10,000 financial loss and £10,000 accidental death insurance cover for a sole trader. The price includes insurance premium tax but excludes our admin charge. 13% of new customers paid less than £54 between 1st January 2024 and 30th January 2024. The actual price you pay will depend upon your specific business requirements and will be affected by your trade, your claims history and the optional covers you select which are all priced separately during the quote process. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2024 Professional Saver | Professional Saver, Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check our financial services registration status on the Financial Services register.
Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
You need to be logged in to Your Account to make a payment. Redirecting you to Account Login.
