Freelance Insurance

If you are unsure which type of cover you need, we suggest that you read our guide to freelancer insurance here.

PROFESSIONAL INDEMNITY

Professional Indemnity Insurance (also known as PI Insurance) covers you against the cost of claims from clients who are not satisfied with the word you carried out for them. It also covers the legal fees involved when fighting a claim.

So in essence, professional indemnity cover provides financial protection for your company and is designed to meet the cost of defending claims made against you, including damages that may become payable.

We work with Hiscox, specialist insurers for contractors, freelancers and small businesses. Click here for more information about their professional indemnity insurance. Click here to get a quote

BUSINESS LIABILITY

Business liability insurance protects your business against third party claims for injury or damage to people or their property. Every business of every size needs to ensure they have adequate insurance for their own protection. As a freelance business owner you have responsibilities towards your clients and the general public.

Click here for more information about Hiscox Public Liability and Employers' Liability Insurance.

LEGAL EXPENSES

Are you concerned about tax investigations by the Inland Revenue? Or perhaps an agency/client that fails to pay your invoice? This type of insurance is designed to pay legal costs to enable you to defend yourself, or pursue your legal rights.

All our business insurance products can be found here through sister site Contractor UK: insurance products for contractors and freelancers.

LIFE COVER/INCOME PROTECTION

Insurance cover available:

Life Cover
We have teamed up with FreelancerMoney to provide life insurance. This can be a hugely important purchase as unlike most permanent employees you have no employer to pay out should the worst ever happen.

Income Protection
Whilst permanent employees have invariably have the benefit of at least 3 months pay in the event of accident or sickness, as a freelancer you are exposed to financial loss the first morning that you are unable to arrive on site, fit and ready to work. There are ways that you can protect yourself from hardship.


Freelance Alliance
Freelance Alliance
What is Freelance Alliance?
Freelance Alliance