Freelancers Insurance

As every freelancer 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 possible.

Get a fast, no obligation quote which could save you over 20%* 0330 134 4564 Get a quote

Freelancer Insurance

As every freelancer 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 possible.

As an insurance broker, we’ll help you work out what cover you need, search our selection of insurers and gather suitable freelancer insurance quotes. Then once you’re happy with a suitable policy, we’ll get your cover set up – no stress, no fuss.

Your freelance insurance requirements 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.


You Could Save Over 20% 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.


  • Business interruption.


  • Public liability.


  • Products liability.


  • Employers liability.


  • Theft by employee.


  • Personal accident.


  • Book debts.


  • Money.

  • Goods in transit.

  • Specified all risks.


  • Terrorism.


  • 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.


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

Why Freelancer Insurance is Important

Working on a freelance 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 bring 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 of 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 freelancer 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.

Get Freelancer Insurance

We will make light work of finding you the right freelance insurance quote, contractor insurance quote, or sole trader insurance quote at the right price.

We know you’re busy, so we’ll provide advice and search for the freelance insurance you need, so you don’t have to. This will leave you to focus on your business, safe in the knowledge you’re protected. Contact us now.

* Please click here to view our pricing disclaimer.

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


The freedom you gain from being your own boss means that you personally take on certain risks. Sole trader public liability insurance can cover legal costs and compensation in the event your work or advice results in injury to, loss or damage of property, or economic loss for a customer.


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, 9am until 5pm.

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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