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Freelancer Public Liability Insurance

Freelancer Public Liability Insurance

If you’re one of the 4 million-plus freelancers working independently in the UK, you probably think you’ve got enough on your plate without adding insurance to the list. 
But arranging freelancer insurance could be the best piece of business you do all year, protecting your reputation and livelihood in the event of an accident or mistake. 

David Edbrooke
Sub editor
minute read
posted 2 DECEMBER 2019

Do I need freelancer insurance?

As a freelancer, you probably feel naturally confident in the quality of service you provide. But can you be sure of success 100% of the time, and do you have a plan in place if the unforeseen does happen?

What type of freelancer insurance do I need?

The type of self-employed insurance to consider will depend on the nature of your work, and whether you work alone or with other people. Here are the liability insurance options you should explore.

Professional indemnity insurance for freelancers

A priceless investment for any freelancer who provides professional advice, design and various other services, professional indemnity insurance protects you if a client accuses you of professional negligence.

You might be a freelance writer, whose inaccurate article lands the client it was published for in hot water, causing them financial loss. If they decide to pursue a case against you, this type of self-employed insurance will cover the cost of defending a compensation claim relating to professional negligence.

Even if you’re not to blame, you’ll still need to account for legal bills when defending a claim, so professional indemnity insurance is a useful way to cover your back.

Public liability insurance for freelancers

If clients or the public ever visit your place of work, public liability insurance protects you if defending claims for accidental damage or injury sustained in connection with your work.

Even if you’re largely desk-based, all it takes is for a visitor to trip over your computer power cord and make an injury claim, and you’re facing a pay-out and legal fees.

Always give full details of the type of premises you work at, whether you’re involved in any hazardous activities, plus any sales trips or manual work activities which will take place away from your usual place of work.

Employers’ liability insurance

If you run a business as a freelancer and employ other people – even if temporary, agency or unpaid – then you’ll legally need employers’ liability insurance, and a displayed certificate to prove it.

This type of self-employed insurance protects you if any of your employees are injured or become ill due to work, and failure to have it can result in a fine of up to £2,500 for each day uninsured. Business owners are only legally exempt from needing employers’ liability insurance if they are the only employee and own 50% or more of the company.

How can I reduce the risk of legal action?

Mistakes and accidents do happen. But there are a few simple steps you can take to try and protect yourself:

  • always make sure your client’s expectations are clear and agreed in a contract, especially if you design or build for them
  • be honest about what can be achieved, breaking down into set deliverables where possible
  • record all contracts and sign-offs in writing and log them safely
  • keep work areas as tidy as possible, completing Risk Assessments of all activities and processes where possible
  • keep clients and the public well away from dangerous areas when you’re working

Get the right freelancer insurance

Any insurance premium is based on a number of factors specific to you, like your claims history, size of your business and how much cover you need.

Get a freelancer insurance quote now and see if you could save.

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