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qdos small business insurance

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?
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.
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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?

June 18, 2025
If you've stopped trading, even for a short period, you may be wondering what to do with your business insurance. If you're no longer working, paying clients or issuing invoices,…
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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.
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