Cyber Insurance for Freelancers: What It Will Not Cover
Cyber insurance for freelancers: Cyber Essentials bundles £25,000 of cover if you opt in — and excludes money stolen electronically. What to check first.
Business Insurance
Business insurance is not a legal requirement for most sole traders — until a client’s contract demands it, or something goes wrong on the job. This section covers what actually applies to the self-employed: public liability, professional indemnity, employers’ liability (the one policy that is a legal requirement, and only once you take on staff), and cyber cover for anyone handling client data. What each one covers, typical cost, and what the small print leaves out. Checked 29 August 2026. General information, not insurance advice.
Employers’ Liability Insurance: £2,500 a Day Uninsured
Employers’ liability insurance is the only cover UK law forces on a small business. When a sole trader counts as an employer, who is exempt, and the daily fine.
Professional Indemnity Insurance: What Sole Traders Miss
No law makes a sole trader buy professional indemnity insurance — a regulator or a client might. And the cover has to outlive the business by six years.
Public Liability Insurance Cost: What the Ads Leave Out
Public liability insurance cost: the from-£5.40 headline is the cheapest tenth of customers, before monthly charges. Real published prices for sole traders.
Public Liability Insurance: Do the Self-Employed Need It?
Public liability insurance is not a legal requirement — only employers’ liability is. What it covers, when a client insists, and why the premium is deductible.
Self-Employed Insurance UK: What Freelancers Actually Need
Self-employed insurance: none of it is legally required except employers’ liability. Which cover matches which work, what it costs, and the three gaps.