Business Insurance for Every UK Trade & Profession

Most sole traders need at minimum public liability insurance — it's required by the majority of clients, venues and main contractors. If you give advice or provide professional services, add professional indemnity. If you carry tools, tools cover is strongly recommended. Employers' liability is only legally required if you have employees.

Costs vary significantly by trade, turnover and cover level. A sole trader with basic public liability cover typically pays £80–£300 per year. Combined policies with professional indemnity, tools and employers' liability cost more. The best way to find the right price is to compare quotes from multiple insurers.

Yes — business insurance premiums are generally an allowable business expense and can be deducted from your taxable profit. This applies to sole traders, partnerships and limited companies. Keep records of all premiums paid and include them in your annual accounts.

Your home insurance policy typically won't cover business use, business equipment or business liability. If you work from home, you'll need a home business extension or a standalone business insurance policy. If clients visit you at home, public liability cover is essential.

Yes — most online business insurers offer same-day cover. Once you've purchased a policy, a certificate of insurance is typically issued by email within minutes. This is particularly useful when you need to provide proof of insurance to a client before starting a job.