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Insurance

All self-employed people face some level of business risk. Insurance can help protect you, your income, and your business if something goes wrong.

Depending on the type of work you do, cover may protect you against claims from clients, workplace accidents, cyber attacks, or even HMRC investigations.

This section explains the main types of insurance sole traders should consider, from essential cover such as public liability insurance to specialist policies that provide additional protection.

Key guides

  • Insurance for sole traders – what cover do you need?
  • Public liability insurance explained
  • Professional indemnity insurance for sole traders
  • Employers’ liability insurance explained
  • Does your small business need tax investigation cover?

Specialist cover

  • Cyber insurance for the self-employed
  • Insurance if you work from home
  • Insurance for selling online

Situational cover

  • Public liability insurance for markets and fairs
  • Insurance for side hustles
  • Insurance when hiring subcontractors
  • Public liability insurance for tradespeople

Managing your cover

  • Can you cancel or pause business insurance?
sole trader insurance expenses

Can sole traders claim insurance premiums as a business expense?

March 9, 2026
Practical guide to which types of insurance sole traders can claim as expenses, including public liability, professional indemnity and income protection.
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professional indemnity sole trader self employed

Professional indemnity insurance for sole traders: do you really need it?

January 27, 2026
Do you need Professional Indemnity Insurance as a sole trader? Learn what it covers, who it’s for, and how to get the right policy to protect your business.
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sole trader public liability insurance

Public liability insurance for sole traders (when you need it and when you don’t)

January 26, 2026
Public liability cover will protect you if you cause an injury to a member of the public, or damage third party property. Dedicated guide for sole traders
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sole trader employers liability

Employers’ liability insurance: do sole traders need it?

January 11, 2026
If you are a sole trader with no employees, you don't have to take out employers’ liability cover. But what happens if you employ someone, even temporarily?
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tax investigation insurance small business

Does your small business need tax investigation insurance?

September 15, 2025
Tax investigation insurance is a type of policy which provides financial cover in case your small business is subject to an HMRC enquiry.
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tradesman insurance electrician

Public liability for tradespeople – builders, plumbers, electricians and more

August 11, 2025
Find out why tradespeople like builders, plumbers and electricians need public liability insurance, what it covers, and how much protection to get.
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insurance hire sub contractors freelancers

Do you need insurance if you hire subcontractors or freelancers?

July 25, 2025
If you hire subcontractors or freelancers, your business insurance may need to change. Find out when you need employers’ or public liability cover.
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cyber insurance self employed

Cyber insurance for the self-employed – is it really necessary?

July 18, 2025
Think cyber insurance is just for big firms? If you’re self-employed and working online, here’s why it might be worth having - and what it actually covers.
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work from home insurance self employed

Do I need insurance to work from home if I’m self-employed?

July 18, 2025
Working from home as a sole trader? Your home insurance probably isn’t enough. Learn what cover you might need, from liability to contents and cyber.
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side hustle insurance

What insurance do I need for part-time work or a side hustle?

July 18, 2025
If you earn money from part-time work or a side hustle, you might still need business insurance. Find out what cover makes sense and how to get it.
Read More

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