Smart business insurance for the self-employed
Simply-priced, hassle free and done in a jiffy
Can insurance really be a breeze?
Do you find arranging your business insurance time consuming, confusing and stressful? We certainly used to, many still do and so we would offer a better way.
Smart insurance for self employed professionals
- We get right to the point
- We don't ask a million questions
- And there are no hidden surprises
Which cover is right for you?
Our insurance starts with professional indemnity insurance, a must have for professionals who give advice as part of their business activity. You can add to your policy other useful covers as needed.
Professions we insure
Our small business insurance is designed for anyone making a living by providing professional advice or services in a range of industries. Some professions that can benefit from our offering are:
Note: We're currently unable to offer services to those in the legal, medical, construction or FCA regulated industry.
Get your price
Use the GET A 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.
Common questions
What insurance do I need as a freelancer, self employed, or a small business owner?
That very much depends on what you do for living but every profession carries a risk of being sued, either by clients, members of the public or employees/subcontractors. Covers such as professional indemnity, public or employers' liability are there to protect you against those risks.
How to get insurance as a freelancer or new business owner?
With Suited 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.
Do I need public liability as a freelancer or small business?
If, in the course of your work, you have face to face contact with your clients or members of the public, then public liability insurance can protect you if you are accused of causing an injury or property damage.
Do I need insurance as a freelancer or small business?
Even if you are not required to have certain type of insurance by a client contract, 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.
Do freelancers need professional indemnity insurance?
It is a useful cover to have to protect your bank balance and reputation if your profession provides advice and guidance to your clients. Sometimes you may be contractually required to have this insurance.
How much does freelancer insurance cost?
Suited professional indemnity and public liability insurance starts as a few pounds a month. It takes 20 seconds to find out, just click on the red button.
Recent articles
What does ‘hibernate’ mean in professional indemnity insurance?
Imagine you’ve just delivered the last piece of work for your client and plan to take some time off, perhaps for good. Cancelling your professional indemnity cover is an option but not a very good one. The work you did in the past may still catch up with you in the future and since professional indemnity insurance (PI) works on a ‘claims made basis’, you won’t be able to access its benefits unless you have an active PI cover in place.
What is a retroactive date in professional indemnity insurance?
A retroactive date is a line in the sand which determines a specific point in the past from which your insurers have agreed to insure your business. You are effectively allowed by some insurers to backdate your professional indemnity (PI) cover so that your business is protected against possible claims as a result of your past work.
Do I need professional indemnity insurance as a sole trader or small business?
Freelancers and small businesses often say “I don’t need insurance, I’ve got no issues with my clients”. And hopefully that’s how it will always be for you. But every now and again something happens and client relations rapidly change. Just like it did for these business owners.
Britain’s SMEs waste £216 million on business insurance when out of work
The average freelancer and small business owner has over two months (65 days) without work each year but is spending on average £108.10 a month on business insurance when they don’t need it. With 1m self-employed people in the UK who have business liability insurance, that’s an estimated £216.2m* each year being wasted on business insurance that small business owners could be saving to cover those times without work - or using towards other costs.
What are you waiting for?
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.
