Freelancers Insurance

As every freelancer, sole trader or self-employed worker knows, time is precious, so let us help make finding the insurance you need to protect your livelihood as easy as 1, 2, 3.

Get a fast, no obligation quote which could save you over 15%* 0330 134 4564 Get a quote

Freelancer, Sole Trader and Self-Employed Insurance


As every freelancer, sole trader or self-employed worker knows, time is precious, so let us help make finding the insurance you need to protect your livelihood as easy as 1, 2, 3.

As an insurance broker, we’ll help you work out what cover you need, search the market and gather suitable freelancer, sole trader or self-employed insurance quotes and, once you’re happy with a suitable policy, get your cover set up – no stress, no fuss. Contact us to find out more.

Your insurance requirements as a freelancer, sole trader, or self-employed contractor will vary depending on the industry you work in, the type of work you do, and where you run your business from – therefore, we have a wide range of types of cover available for you to choose from.

You Could Save Over 15% With Us*

Call our team to receive a no obligation, instant quote today.

Phone lines are available Mon-Fri: 9am - 5pm

Quote Line: 0330 134 4564

Available Covers**

  • Office insurance.

  • Business contents.

  • Property damage.

  • Legal expenses.

  • Business interruption.

  • Public liability.

  • Products liability.

  • Employers liability.

  • Theft by employee.

  • Personal accident.

  • Book debts.

  • Money.

  • Goods in transit.

  • Specified all risks.

  • Terrorism.

  • Goods in transit.

  • Deterioration of refrigerated stock.

  • Legal expenses (higher limit for contractual disputes).

  • Equipment breakdown.

  • Product recall.

  • Marine cargo.

  • Engineering inspection.

  • Group personal accident and travel.

  • Directors and officers insurance.

  • Professional indemnity.

  • Fleet. 

  • Stock throughput (items insured at a third party premises).

Why Insurance is Important for Freelance, Sole Trader and Self-Employed Professionals

Working on a freelance, sole trader or self-employed basis – whether you’re a management consultant, business consultant, marketing consultant, change consultant, project or programme manager, training consultant, graphic designer, copy writer or another type of freelancer – these roles brings a unique freedom to work the way you want – when and where you want. But that freedom also brings risk.

Who covers your back if something goes wrong? Who pays the bills if, for instance, the loss or theft or crucial equipment leaves you unable to work temporarily? Could you afford to run out and buy replacements, just like that? What if a customer accuses you of a failure in your advice or service and threatens legal action?

Without the safety net of an employer watching your back, recovering from these kinds of setbacks, is down to you alone. That is why freelancers insurance is so important. A commercial combined insurance policy, tailored to your needs and yours alone, is a simple and effective way to protect against all these risks – so you can get on with running your freelance business, on your terms.


About the Economy

Freelancing as a way of working is growing fast. In fact, it has grown by at least 25% since 2009 to represent around two million workers across a wide range of industries who, between them generate somewhere in the region of £100 billion[1].

Indeed, it is hard to overstate the growing importance of freelancing as a form of employment. It is thought that around 50% of the workforce at companies like Google and ASOS is made up of freelancers[2].

For many, freelancing brings a freedom and control that a salaried job does not. It’s a route to work life balance as well as a way to ensure valuable skills generate maximum reward. But the flip side is a lack of job security, or the safety net that comes with knowing an employer “has your back”’.

That is why the step into a freelance life needs careful consideration of the risks as well as the rewards – and mitigating those risks means taking out freelance insurance that protects your livelihood, without breaking the bank.


Get Freelancer Insurance, Sole Trader Insurance or Self-Employed Insurance

We will make light work of finding you the right freelancer insurance quote, contractor, sole trader insurance quote or self-employed insurance quote at the right price – in fact, we’ll make it as quick and easy as 1, 2, 3.


We know you’re busy, so we’ll provide advice and search for the right insurance you need, so you don’t have to. This will leave you to get on with running your business safe in the knowledge you’re protected. Contact us to put us to the test.


Terms and Conditions
* We randomly surveyed 54 new business policyholders (12.5%) with insurance start dates between 12 April 2019 and 1 August 2019. 93% made a financial saving by moving to smei, with an average saving of 15.96%. This data excludes commercial and residential insurance for landlords.

** Standard and optional cover may differ dependent upon insurer.




Using a broker to arrange your insurance may help reduce your workload and the associated time it takes you to search for your insurance. It is our aim to help you get value for money therefore we use the strength of our market position to negotiate with insurers, in advance, the product and premium pricing. We do this to help deliver the right product, at the right price for our customers. To present you with the options available to you, we compare insurance from a panel of UK insurers so that we can recommend a product to suit your business needs.


You can get a quote by telephone. On average a quote will take around 10 minutes over the phone, depending on the complexity of the business requirements.


If you are arranging insurance on the phone, you can be covered straight away, subject to a 10% deposit. The remaining payment can be set up within 7 days. Be sure to let us know you want cover to start immediately. However if you don’t want immediate cover, you can specify a start date that suits you.


We are open Monday to Friday, 8am until 6pm.

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

Feefo Reviews

of our customers would recommend our service based on Feefo

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Customer Testimonials
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We have saved £££s by switching our insurance to smei. Really easy to approach and always willing to answer queries without making you feel as though you are bothering them. We have been recommending smei to all my business colleagues.

Mrs Susan & Mr Ronald Firth

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