Dave Beard

Expertly compared by Dave Beard

Products Updated April 30, 2018

Business Insurance For Freelancers

If you’re working as freelancer you’ll need to ensure you’re protected against risks while working with clients and on projects. Our insurance experts can ensure you get the best business protection that covers you in every eventuality.

Our insurance experts can compare the market to find you the best deal on business insurance. Get a free quote and advice today:

3 providers expertly compared:

Simply Business

Why?

This provider is our Expert’s Choice in its category as it won tops marks for the following.

  • TRUST
  • VALUE
  • EXPERTISE & KNOWLEDGE
  • CUSTOMER SERVICE

Learn more about how we review and assess the providers here on Lending Expert.

Provider
Business Insurance

Products
Professional Indemnity, Public & Employers Liability Cover

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
UK Small business cover

Rated 4.8/ 5

All credit types

Simply Business is a broker that provides a wide range of business insurance cover. They specialise in small businesses and can advise, compare and arrange the right insurance products to ensure you are not only protected by get the best deal on the market.

3 providers expertly compared:

AXA

Provider
AXA Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
Small business and commercial insurance

Rated 4.7/ 5

All credit types

AXA business insurance can cover you and your business for every eventuality. Apply online today and save an extra 10% on your quote instantly.

3 providers expertly compared:

Hiscox

Provider
Hiscox Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
Small business and commercial insurance

Rated 4.8/ 5

All credit types

Hiscox commercial business insurance provides a professional level of cover to protect every aspect of your business, from the premises to the people who work for you, and any legal matters that may arise from your day-to-day operations.

Read our customer and visitor reviews for this product:

Rating: 5 / 5 with 1 votes

Recieved quotes as promised.

by Clear Eye Wear Limited

Happy with the process and quotes. Simple to use and back up with a phone call. No pressure to buy, which was reassuring.

FAQ

Whether you are a freelance writer, photographer or any other form of freelancer, you will spend time carrying out requests for customers and meeting their needs. They rely on your advice and knowledge to ensure that you carry out your work to a high standard.

Working with customers in this way puts you at risk because any errors could prove costly and could cause financial loss and injury to your customers. If you provide you customers with advice that is incorrect, work negligently or cause injury then your customers have the right to make a claim against you. Defending any claim is both costly and time consuming and both can have a serious impact on your business. To remove the risks and damage you need put business insurance in place as it will serve to protect your business and its finances.

Cheap Business Insurance For Freelance workers

Cheap Business Insurance For Freelance workers

Business insurance will cover all costs relating to a claim made against you. Making errors is simply part of being human but you may think that it could never happen to you but it can. Omitting a simple, small piece of information can prove critical to your client or working negligently can cause injury or financial loss and naturally your customers are going to want to do all they can to recover any expenses and compensation. Business insurance will cover all costs associated with defending claims, paying compensation as well as court appearance costs. It will become a crucial tool for your business when you need it.

Our business insurance products are created to meet your specific needs and they are there to help you handle claims and the financial implications that come with them.

Professional indemnity insurance offers protection for your business when you need it. As a freelancer your customers rely on you to use your expertise and knowledge to offer them the right service. They expect nothing less but occasionally errors can occur. As a freelance writer you may be asked to create content that needs to be search engine optimised but failure to do this could lead to financial losses for your client. As a freelance photographer you could take your client to a location where they may slip and injure themselves. The risks are there and you are exposed to them regularly but professional indemnity insurance is there to protect you.

There is always a risk with working as a freelancer when it comes to causing injury to individuals damaging their property. As a freeelancer you could quite easily cause damage to the home of an individual but you could also cause injury to them by leaving equipment lying around that they could potentially fall over. Public liability insurance will cover you should the worst happen and this gives you complete peace of mind.

Business insurance will give you the following features:

  • Complete protection against all claims regardless of the outcome or their size
  • Claim assessment takes place before payment is made
  • Full protection for your business in every possible way
  • Every cost is covered, this includes defence costs and settlement costs
  • Full business requirements are considered before cover is put in place
  • Court appearance costs are included
  • Cover to fit your needs

What Are the Benefits?

You will see the following benefits from this cover:

  • You will meet all legal requirements and regulations
  • Pay more attention to your business
  • Financial protection
  • Professional advice is readily available and representation
  • Peace of mind and reassurance that your business is protected as well as your decisions

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