Sole trader smiling and using a spirit level on a chest of drawers. Sole trader insurance and sole trader public liability insurance

sole trader insurance

90% of our customers would recommend our service

As a sole trader, your focus is on keeping your business running. Let us help find you the right sole trader insurance, so protecting your livelihood is as easy as possible.

We can talk through your needs and work out what cover you need, search our selection of insurers and provide you with sole trader insurance quotes. Then once you’re happy with a suitable policy, we will get your cover set up so you’re fully protected.

Your insurance needs as a sole trader, or self-employed contractor will vary depending on your industry, the sort of work you do, and where you run your business from. Whatever you do, we have a wide range of sole trader insurance covers available to choose from.

You Could Save Over 20%*

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

Available Sole Trader Insurance Covers**

  • Book debts.

  • Business contents.

  • Business interruption.

  • Deterioration of refrigerated stock.

  • Directors and officers insurance.

  • Employers liability.

  • Engineering inspection.

  • Equipment breakdown.

  • Fleet.

  • Goods in transit.

  • Group personal accident and travel.

  • Legal expenses (higher limit for contractual disputes).

  • Marine cargo.

  • Money.

  • Office insurance.

  • Personal accident.

  • Product recall.

  • Products liability.

  • Professional indemnity.

  • Property damage.

  • Public liability.

  • Specified all risks.

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

  • Terrorism.

  • Theft by employee.

Why Insurance is Important for Sole Traders and Self-Employed Professionals

Working as a sole trader or on a self-employed basis gives you the freedom to work the way you want, and when and where. But the freedom you gain from being your own boss means that you personally take on certain risks.

If something goes wrong, or you suffer a loss or theft, you have no one to cover your back, and you will be financially responsible. Could you afford to buy replacements out of your own pocket? If you’re temporarily unable to work or a customer accuses you of negligence and threatens legal action, how will you cover the expenses or compensation?

As you are solely responsible for these risks, the right sole trader insurance or self-employed insurance is vital. A sole trader 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 sole trader enterprise, on your terms.

Get Sole Trader Insurance or Self-Employed Insurance

We will make light work of finding you the right sole trader insurance or self-employed insurance cover at the right price.

We know you’re busy, so we’ll provide you with advice and do the hard work of searching for the sole trader insurance you need, so you don’t have to. Contact us to get your sole trader insurance now.

* Please click here to view our pricing disclaimer.

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

90% of our customers would recommend our service

smei is always best. We have more than 10 hair salons and they never forget the renewal time, never renew the policy without asking, customer service always polite and solve any problems quickly. Also I can see all of my policies on their portal, no waste of paper, everything online. Thank you smei!

Rana Dincer

Quotes from well-known and specialist insurers, including:

Insurers smei work with

You Could Save Over 20%*