Freelance insurance

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The problem

Freelancers face many risks

Extra work and disputes over costs

Clients’ unclear expectations can evolve project requirements and end up in demands of refund or more for free.

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Late or non-payments

Clients may not pay on time, or pay at all. Chasing unpaid invoices requires additional resources and can result in financial loss.

Intellectual property disputes

Freelancers may encounter issues over who owns the rights to the work produced, leading to legal disputes.

Accusations of confidentiality breaches

As a freelancer, you may have access to sensitive information and a client may demand compensation if they feel there was a breach.

You need business insurance for freelancers that effectively protects you from accusations of wrongdoing.

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Insurance simplified

Our mission is to see small business insurance done fast, clear, upfront and painless.  

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Save time by getting a price after four questions.

Buy online

Get insured anytime. Manage cover from your DIY portal.

Top insurers

Sleep well knowing your cover is backed by trusted UK insurers.

Pay as you go

Keep money in your pocket. Pay monthly, no APR or fees.

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Holiday mode

Pay less when not working by hibernating your PI cover.

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Get help when you need it from our Bristol based team.

covers to consider

What insurance do freelancers need?

Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers freelancers should consider include:

Professional indemnity

Provides you with legal defence against claims of professional mistake, causing a financial loss or failing to deliver contractual obligations.

Public liability

Protects your livelihood against claims of causing an injury or property damage to a third party.

Electronic business equipment

Pays for repair or replacement of your portable electronic equipment (and accessories) you need to do your work.

Finding the right cover

Why do freelancers need insurance?

Unfortunately freelance insurance is not always a top priority and as it’s often seen as an unnecessary cost. There are many case studies that prove this attitude to be a rather false economy.

Every freelancer faces some kind of liability risk the moment they start trading. You will have responsibilities towards your clients and possibly members of the public if your work takes you to public spaces.

More on the pitfalls freelancers face

When working with clients as a freelancer, soon or later you will encounter one or more issues:

Non payers - already mentioned above and worth repeating because it is unfortunately very common.

Poor communication - especially at the beginning freelancers, keen to secure their first contract, tend to gloss over the finer detail. Almost always it leads to misunderstandings and client dissatisfaction.

The moving goal post - badly defined projects or work leaves room for negotiations and some clients like to exploit the grey area to get you to deliver more for free or worse, ask for their money back.

Who owns what - sometimes you will be working on very similar client projects and the tendency is to reuse some of the previous work. That occasionally gives a rise to disputes with clients.

Losing valuable data - while working with a client you may have access to sensitive information, either about their business or customer base. Even if it’s an accidental slip of the tongue in front of another client, giving trade secrets away can be very costly for you.


Reputation damage - the biggest fear for all freelancers. You work hard to get good feedback but then a client comes along who’s leaving bad reviews about you everywhere they can. That in itself can seriously affect future opportunities.

Luckily for you though, freelance liability insurance can help minimise a lot of these risks and that is what this article is about.

Professional indemnity insurance for freelancers

Otherwise also known as professional liability insurance for freelancers, this type of insurance is super important if your clients engage your services to use your skills and expertise to solve a problem.

You could be a consultant, an engineer, or a personal trainer. The list of professions that fall into this category is pretty long.

The way that professional indemnity insurance works is twofold. Firstly, at times of a dispute you gain access to qualified legal assistance while insurers pay the cost. Secondly, if you are found liable for any financial loss, the compensation will be paid by your insurance.

Do freelancers need professional indemnity insurance?

Since it is rather difficult to know what each day in your work life will bring, having some kind of backup, a peace of mind if you like, is essential.
Freelancer professional indemnity insurance protects you from the many risks implicit in your work. Despite your best efforts, you may be accused of many of what has been mentioned already and you don’t want to be facing that situation alone.

Legal help is very pricey these days and that alone can seriously damage your bank balance.

Public liability insurance for freelancers

Public liability insurance protects you against accusations when you may have accidentally caused an injury to either your client or a third party during the course of your work. The same applies to property damage.

You may need public liability insurance to protect yourself from financial burden if you’re sued for causing an injury or damage to a third-party property while performing your services to a client.

Public liability claims can arise from a variety of situations. Some common scenarios include:

  • Slip and fall accidents
  • Injury caused by a faulty product
  • Damage to third-party property
  • Food poisoning resulting from contaminated food
  • Injury to a customer caused by inadequate health and safety measures
  • Damage to or theft from a property
  • Injury to a member of the public
  • Accidents caused by poorly maintained equipment or machinery

These are just a few examples. The specific circumstances can vary greatly, and the importance of public liability insurance for freelancers is to provide financial protection against the legal actions someone might take against you.

Public liability insurance provides coverage for legal fees and compensation payouts, allowing you to continue your work without the fear of significant financial loss.

When do freelancers need public liability insurance?

If you meet your clients face to face in a range of settings that could also include the members of the public and their property, you may wish to consider this cover.

In fact you might find that certain professions have to buy public liability insurance in order to secure a contract. For example wedding venues ask that organisers have this type of insurance. The same goes for anyone else planning events at a third party location.

Having an office, visiting clients at their home or working in a public space are all good reasons to consider public liability insurance for freelancers.

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Choosing limits

Other aspects of freelance business insurance

The specific types of insurance a freelancer might need depends on your specific profession and the risks you face but here are some covers freelancers tend to add to their insurance backup.

Equipment Insurance: covers the cost of replacing or repairing business equipment, such as computers, cameras, or other tools of your trade.

Income protection insurance: covers your earnings if you become so ill you cannot continue to work.

Business legal expenses: provides legal defence cost cover for situations not usually covered by professional indemnity or public liability insurance. Examples of such circumstances are:

  • Unpaid invoices
  • Negative PR
  • Tax investigations
  • Legal matters concerning your business
  • Compliance & regulation issues

You will be pleased to know that if you buy from Suited, business legal expenses is automatically included in your price.

Business legal protect
Included with your insurance

When you decide to protect your business with Suited we want you to get more than just insurance. That's why with every policy subscription we include Business Legal Protect. From the moment you sign up you gain access to extra support services which are all part of our price.

£100k of legal cover
  • IR35 & HMRC investigations
  • Legal matters concerning your business
  • Negative PR (£25,000 cover)
  • Criminal prosecution
  • Compliance & regulation issues
  • Unpaid invoices (over £200)
Telephone helplines
  • Free tax advice
  • Free commercial legal advice
  • Counselling for you and your staff
  • Access to a legal template library
  • Identity theft assistance

How much does freelance insurance cost?

Price depends on many factors including business activity, the cover you choose and the level of protection (also known as the limit). With Suited you can mix and match covers and limits. Below are some cover examples, but you will be able to build your own.


Business activity

Business consultancy and management


per month


per month


per month

Professional indemnity

Our core cover, to protect you and your business if you make a mistake in the course of your work, say something wrong about a client, or are accused of being negligent and your client says it has cost them money.


Business Legal Protect

Commercial legal expenses insurance there to protect you and your business from commercial disputes, legal claims, IR35 investigations, HMRC enquiries, criminal prosecutions, negative PR and identity theft. It also offers free and confidential tax, legal and counselling assistance whenever you need it.

with professional indemnity
with professional indemnity
with professional indemnity

Electronic business equipment

Protects your business against costly repairs or replacement costs of electronic business equipment and accessories that you own or hire to do your job.

of equipment
of equipment
Get a price
Answer 4 questions then select the policies and limits you need.

Common questions

How much does freelance insurance cost?

The cost of your insurance will very much depends on what covers you purchase. Ensure that when you buy, you don’t necessarily pay too much in extras such as policy fees, APR, or cancellation charges.

What insurance do I need as a freelancer?

That very much depends on the type of profession you do but you are likely to need some liability protection.

Do freelancers need employers’ liability insurance?

If you work alone, you don’t need this cover. However, if you use volunteers, contractors or have friends and family helping out, check your obligations.

Where can I buy the best insurance for freelancers?

You will have to shop around a bit. Keep your circumstances in mind, i.e. if you’re very specialised, you may need a provider who really understands your profession. But keeping an eye on costs, hidden charges and flexibility is also important.

Once you buy
If your plans change

No problem, with Suited you can flex your insurance as your business evolves.

Free to amend

Save money by not paying extra to change your cover.

Easy to cancel

No longer need us? Cancel anytime, no more to pay.


My work contract requires professional indemnity insurance. Suited were quick to call back and very helpful explaining the product to me. Suited offers a trustworthy, professional service and a peace of mind.

Evie Jarecki

Suited was easy to use, to the point, concise, I found everything I was looking for , was covered. The process was efficient and quick. Fast forms to fill in. I think the price was pretty competitive too.

Justin Leo

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 in minutes.

Piers Field
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