Business Insurance for Sole Traders: What You Actually Need
Updated October 2026
Public liability covers claims if a client or member of the public is injured or their property is damaged because of your work. Many clients and venues require a minimum level of cover.
Professional indemnity covers claims arising from advice or services that cause a client a financial loss. It is common for consultants, designers and tradespeople who give advice.
Employers' liability is a legal requirement if you employ anyone, even part time or temporary staff.
Tools and equipment cover protects what you need to earn a living against theft or damage.
Choose limits that match your contracts, and disclose your trade accurately so the policy responds when you need it.