By Anna Jordan on Small Business UK – Advice and Ideas for UK Small Businesses and SMEs
Freelancer insurance can be a lifesaver for small businesses, but it’s a proper head-scratcher trying to navigate what you need and what you don’t.
In this article, we’ll be asking whether you need freelancer insurance, what types are essential vs. useful, and how to go about getting insurance, including common exclusions to watch out for. Sarah Fleming, founder of Digital PR firm First Create, has also given us some tips in our ‘Ask a freelancer’ sections.
Read on for the full guide or head straight to your preferred section.
Why do I need freelancer insurance?
What types of insurance do I need as a freelancer?
Is there specialist IR35 insurance?
How do I get insurance as a freelancer?
What exemptions do I need to be aware of?
Other tips and tricks
How to get health insurance as a freelancer?
Why do I need freelancer insurance?
As a freelancer, the work you do is all on you – you’re the one who’s liable.
The sad reality is that pretty much anything can go wrong, especially as you’re on your own. A client could be dissatisfied, you might miss a deadline or something unforeseen, such as an accident