Freelancer insurance

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Professional indemnity insurance for freelancers UK
Professional indemnity insurance for freelancers UK
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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.

Intellectual property disputes

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

Late or non-payment of invoices

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

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.

Freelancer insurance UK

You need freelancer insurance that effectively protects you from accusations of wrongdoing

the suited way
Insurance made better

Self-employed insurance done fast, clear and upfront.

Freelancers professional indemnity insurance
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More flexible

Make changes instantly, easily and for free.

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No extra fees

We give you one price, no APR or hidden extras.

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Go retroactive

Include retroactive cover to insure previous work.

Holiday umbrella.
Holiday mode

Pay less when not working by hibernating your PI cover.

A plus rating.
Top insurers

Be confident knowing your cover is backed by trusted UK insurers.

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UK support

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

Covers to consider

How much does freelancer insurance cost?

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

Self employed professional indemnity insurance
Professional indemnity

from £7.41 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Self employed professional indemnity insurance

Professional indemnity

from £8.63 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£9.24 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

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

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

on Trustpilot
14 February

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

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...

Piers Field
on Trustpilot
Legal Expenses
Included as standard

With every policy subscription we also include Business Legal Protect. This means from the moment you sign up you gain immediate access to extra support services.

Commercial legal expenses insurance.
Business legal protect

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)

Criminal prosecution

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

In detail

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.

Moving the 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.

Freelance professional indemnity insurance

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.

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.

In this section

Common questions

Can I get income protection insurance for freelancers?

Some insurance providers do consider freelancers. If you are interested in this cover, check out our partners page.

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.

Contact us
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Call us with any questions or queries. Our Bristol based team is available from Monday to Friday and answers straightaway.

Monday-Friday, 8:30am to 5:30pm

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Once you buy
If your plans change

No problem, Suited uses a simple subscription model making it easy to walk away.

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14 day promise *

If you call to cancel within the first 2 weeks we’ll give you a full refund.

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Easy to cancel

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

* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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