Many people who go self-employed can get confused by the range of cover and insurance products available on the market.
At Swinton, we help thousands of customers like you navigate the market by searching from our panel of specialist insurers to bring you our cheapest price on liability insurance. Our friendly team will ask you some questions about your business and use your answers to help you find a policy and give you the relevant information so that you can decide what is right for you.
Once you have your self-employed liability cover in place, you can also choose to add extra cover for any employees or business equipment and tools.
Being self-employed offers great flexibility, opportunities and choice. It puts you in charge of how you work, the clients you work with and the industries you work in. So it’s important that while you juggle clients, move projects and change working environments, you also have the right insurance for your business.
If you visit client premises and provide professional services or advice, it’s a good idea to have Public Liability and Professional Indemnity Insurance. In fact, many clients won’t hire you without one or both of these.
Public liability for the self-employed
Public Liability Insurance is a common cover type if you visit or host clients or customers. It covers you in case someone is injured or their property needs replacing or repairing due to your negligence. Public Liability, arranged through Swinton offers differing levels of cover from £1 million to protect you against the cost of a claim, should a mishap occur.
Professional Indemnity Insurance for the self-employed
If you give advice and undertake project work for clients, Professional Indemnity Insurance covers you if your work leads to a client losing money because you’ve made an error. A miscalculation, missing trademark, copyright infringement or factual mistake can impact both the reputation and bottom line of an organisation. Having a Professional Indemnity Insurance policy gives your clients more confidence in your business, and you peace of mind should the worst happen.
You can buy both Public Liability Insurance and Professional Indemnity Insurance as stand-alone products or together in one policy, making life easier. Just one cost and one renewal date for the diary.
Do you employ anyone else in your business?
If you do, then you might have to hold Employers’ Liability Insurance by law. It’s an important type of business insurance, and covers you against the cost of legal fees or a compensation claim if one of your staff members has an accident or gets ill, and your business is responsible.
Can I protect my business equipment and tools?
Business Equipment Insurance can be taken as an optional extra with your main business insurance, such as Public Liability Insurance. There are four levels of cover up to £10,000 and you are covered for any tools that are away from your base and overnight in a vehicle. Cover can even include PCs and Laptops used for your business.
The maximum claim per item is £1,500 and while equipment of tools stolen from vehicles by forced entry is covered, this is only if items are not visible and your vehicle security devices are working and activated. Policy underwritten by UK General Insurance Ltd on behalf of Great Lakes Insurance SE.