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Insurance

All self-employed people are exposed to some risk – it’s inevitable. You can take out insurance to protect you and your business in case something goes wrong.

Depending on the business you run, you can protect anything from your premises and stock to possible cyber attacks and even tax investigations.

Here, we look at the types of cover sole traders must have in place and those that may provide you and your business with peace of mind.

Key guides

  • Insurance for sole traders – what do you need to have in place?
  • Does your small business need tax investigation cover?
  • Public liability insurance
  • Employers liability insurance
  • Professional indemnity insurance
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.
Read More
professional indemnity sole trader self employed

Professional Indemnity Insurance for sole traders – do you need it?

August 1, 2025
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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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
insurance sell online etsy ebay shopify

What insurance do I need to sell online (e.g. Etsy, Shopify, eBay)?

July 18, 2025
If you sell on Etsy, Shopify or eBay, find out what insurance you might need, what to watch out for, and how to protect yourself if something goes wrong.
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pause business insurance

Can I cancel or pause my business insurance if I stop trading?

July 18, 2025
If you've stopped trading for a few months, or for good, you might be wondering what to do with your business insurance. You're not invoicing anyone, you’re not working, you’re…
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markets or fairs public liability cover

Do I need public liability insurance to sell at markets or fairs?

July 18, 2025
Planning to sell at a market or craft fair? Find out whether you need public liability insurance, what it covers, and why most organisers now require it.
Read More

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Qdos self-employed insurance

Qdos self-employed insurance
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