Smart business insurance for self-employed professionals
Do you find arranging your self-employed insurance time consuming, confusing and stressful? Give Suited a go. We make business insurance a breeze.
Self employed business insurance that's easy to manage and backed by fab support
Self-employed insurance cover on a monthly subscription
Suited protects you against accusations of costly mistakes or causing an accident with business insurance subscription that is super simple, smartly-priced and flexible enough to be able to expand or contract whenever you need.
- We get right to the point
- We don't ask a million questions
- And there are no hidden surprises
How much does business insurance for self-employed cost?
Our insurance starts with self-employed professional indemnity insurance, a must have if you give advice as part of your business activity. You can add to your policy other useful covers as needed.
from £7.69 per month
Cover of £100,000 commercial legal expenses included with your policy subscription.
Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.
IR35 & HMRC investigations
Legal matters concerning your business
Negative PR (£25,000 cover)
Compliance & regulation issues
Unpaid invoices (over £200)
Also includes free telephone advice & help from qualified professionals.
Tax and commercial legal advice
Counselling for you and your staff
Access to a legal template library
Identity theft assistance
from +£4.76 per month
from +£9.24 per month
from +£10.07 per month
Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.
Up to £2,000 a month
Up to 6 months following the first 30 days of illness
Any tax deductible expenses included
Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:
£5,000 lump sum
Fast customer service
Get your price
Use the GET MY PRICE button to begin. Find your profession, answer a few simple questions and we'll get you a price straight away. No need to share your contact details at this point.
Purchase your insurance
When you're ready to proceed we will ask a few more questions about your business, show you a summary of you cover before asking for payment card details so we can set up your monthly subscription.
Manage your cover
Once you're insured you're good to go. Our customer support team will continue to be there if you need help. You'll also have access to your DIY portal where you can make changes, instantly and free of charge.
If you need to make a claim
With Suited, claims are straightforward. We have a team of experience claims managers to help you. Full details for how to claim against your insurance is available when you log into your account.
More details and contact numbers can be found on the make a claim page. If you have any questions, don't hesitate to call.
What is small business insurance for self-employed professionals?
Work insurance for self-employed people consists of several covers. Some will take care of your professional liabilities while others will protect your business if you falling ill or worse. The number and type of covers will depend on the profession you do or the business you run.
What are the types of insurance for self-employed?
There are many and they generally fall into 4 categories.
Liability - these are products designed to protect you and your business against accusations of wrongdoing. In this category you'll find professional indemnity, public liability, employers' liability and directors & officers insurance.
Health - every business relies on its workforce. Business owners and some employees are crucial to a business success and survival. Therefore you may wish to consider business health insurance, key person insurance and personal accident not just for yourself but some of your key staff.
Physical assets - the last category revolves around physical assets such as premises or equipment. The products in this category are insurance for buildings & contents, business interruption and business equipment.
Specialty products - cyber insurance, credit trade insurance, rent guarantee and other specialty covers could be useful if your profession or business faces certain risks.
Do I need insurance to be self-employed, go freelance or run a small business?
Even if you are not required to have certain type of insurance by a client contract, legally, or by industry regulations, it is very wise to protect yourself as a self-employed person against being sued by your clients or the members of the public. Legal costs and possible compensation can be very costly.
What insurance do I need if I am self-employed or a small business owner?
That very much depends on what you do for living and the risks you and your business faces. Every profession/business is different. Generally all businesses carry some risk of being sued, either by clients, members of the public or employees/subcontractors. All business are dependent on their key staff. And some businesses due to their specific industry or activities may require additional specialty covers.
How to get liability insurance for self-employed professionals?
There are generally two routes. Either you can apply online directly with a liability insurance provider that specialises in the self-employed or you can try to go via a broker. Suited falls in the former category and it takes 20 seconds to answer a few questions about what you do for living before getting to the price and range of insurance covers that you might need for your business.
Extremely impressed with the professional and supportive service I received.
After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...
The website is easy to use and the process is intuitive, clear and easy to follow.
I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...
Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...
A simple and flexible service for what I required. Great communication from start to finish.
I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...
We will get you insured in a matter of minutes, provide the peace of mind you need to focus on your work and promise to be always upfront and fair.