A freelancer's guide to insurance

A practical guide to understanding freelance insurance

written in partnership with


As your business grows and higher value projects start to roll in, it makes sense to get some insurance. This will provide you with the safety net you may need should anything go wrong.

Being unable to work due to illness or a lawsuit can make life very difficult for a freelancer and could potentially stop a flourishing business in its tracks. It may sound scary but if you understand the risks and get the appropriate insurance you can focus on what you do best without having to worry.

In this guide

A guide to understanding freelancer insurance

Professional indemnity

Everyone makes mistakes from time to time but if you make an error that ends up costing your client money they can sue you. Giving bad advice or wrong information or even having a laptop stolen which contains confidential data could all land you in hot water.

Basically, if a disgruntled client decides to sue you for losses (whether he has a valid claim or not!) this is the insurance you need to cover your legal costs and any compensation pay-out you may be liable for.

It also provides cover for loss of documents, loss of data, breaches of intellectual property, defamation and libel so is well worth looking into.

Public liability

A must have for anyone who is out and about, coming into contact with clients on a regular basis. If you cause an injury to somebody or damage someone's property in the course of your work you could be in trouble.

You know all those 'no win, no fee' injury adverts? That's what we're talking about protecting yourself from here.

If someone takes you to court after tripping over the bag you left in the hallway, this insurance policy will pay legal defence costs and compensation.

Independent professionals who take specialist equipment to their client’s site as part of their job should seriously consider getting it. But really, even if you just carry a bag in the course of your work, it’s worth it for the peace of mind.

Employer's liability

Do you have employees? An admin person or an assistant? If so you'll need to get this type of cover. Failure to hold this insurance can result in hefty fines of £2,500 per day as it's required by law.

Many freelancers begin by working alone but as your business expands you may want to hire people to help tackle those meaty projects. In this instance make sure you're covered!

What to do if you are unsure about insurance

If you are unsure about your need for insurance, you should seek specialist advice. Kingsbridge Insurance are a specialist in providing freelancer insurance, so they are a good place to start.

Kingsbridge Freelancer Insurance

Other Resources

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