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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?
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.
Read More
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…
Read More
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
sole trader insurance

Sole trader insurance – what’s required, recommended & worth having?

March 27, 2025
A clear guide to sole trader insurance – what’s legally required, commonly needed by clients and customers, and worth having for peace of mind.
Read More

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Qdos self-employed insurance

Qdos self-employed insurance
Public liability from £4.58/month

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Brand new ByteStart guides
  • Subsistence expenses for sole traders: meals, hotels and what you can claim
  • Can sole traders claim insurance premiums as a business expense?
  • Can sole traders claim car or van repair costs as a business expense?



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