Insurance for freelancers, starting from less than £55* per year
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Get a QuoteOur standard cover is:
Freelance insurance is the cover that keeps you eligible for the work: the public liability and professional indemnity protection that agencies and clients name in their contracts before you can start. It also quietly does its actual job, paying the compensation and legal fees when an accident or a professional mistake would otherwise come out of your own pocket.
Professional Saver has insured freelancers and independent professionals for more than 40 years. Every policy includes public liability, products liability, legal expenses and financial loss cover as standard, from £55* a year, with professional indemnity, equipment and personal accident cover as options. Quote online and your documents are ready the same day, which matters when a contract is waiting.
Freelancer insurance, or insurance for freelancers as the contracts tend to put it, is business insurance shaped around how freelancers actually work: multiple clients, other people’s premises, your own kit, and no employer’s policy standing behind any of it. Rather than one monolithic product, it’s a set of covers you pick from, and the right mix follows the work you do rather than the job title on your invoices.
For most freelancers the spine is the same. Public liability for the physical world, professional indemnity for the work itself, and cover for the equipment that everything depends on.
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Our Professional Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.
Complete our simple quote form with basic details about your business.
Get an instant quote & choose any optional covers you may need.
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Three reasons come up again and again:
The contract says so. Agencies and end clients routinely require proof of insurance cover, usually public liability at £1 million or more, often professional indemnity alongside it, before a freelancer can start. No certificate, no purchase order. This is the single most common reason freelancers call us with a deadline.
Accidents don’t respect job titles. Work in client offices, studios, co-working spaces or events, and the risks of the room come with you: a trailing cable, a knocked-over laptop, a visitor tripping over your camera bag. One personal injury claim can cost more than a year’s income.
Your mistakes are your own. When an employee gets something wrong, the employer’s insurance responds. When a freelancer gets something wrong, the client’s solicitor writes to the freelancer. Professional indemnity insurance covers exactly that letter.
Public liability insurance comes as standard with every policy: £1 million of cover, with options up to £10 million, covering the cost of compensation and legal fees for accidental damage and injury claims from clients and the public. If a contract names a limit, this is usually the cover it’s naming, and freelancer public liability insurance is where most freelancers start.
Professional indemnity insurance covers claims that your work or advice cost a client money, from a design error to a missed deadline that sank a launch. Professional indemnity insurance is an optional cover, and the one agencies ask about most after public liability.
Business contents and equipment cover protects the laptop, camera and kit your freelance business runs on; tell us where it travels when you quote so the cover matches. Home contents insurance typically won’t cover working equipment, and a freelancer without a laptop is a freelancer without income. Equipment cover carries a £100 excess.
Personal accident cover is the option for the risk freelancers least like thinking about: an injury that stops you working entirely. Personal accident insurance pays out for specified injuries whether or not anyone was at fault, which liability covers never do. For many freelancers it’s the cheapest peace of mind on the list.
Also in every policy as standard: products liability, legal expenses and £10,000 of financial loss cover. Two honest notes on covers we’re asked about: we don’t sell a standalone cyber insurance policy, though professional indemnity insurance can help with some claims related to data handling; and freelancers asking about business interruption insurance are usually better served by personal accident and income protection cover, which follow you rather than a premises.
No; there’s no law requiring a freelancer to carry public liability or professional indemnity insurance (employers’ liability only enters the picture if you take someone on). The compulsion is commercial. Client contracts, agency framework agreements, venue hire terms and public-sector supplier lists all name insurance requirements, and they check the insurance is in place before anything is signed. Freelancers rarely buy insurance because the law told them to; they buy it because the best contract of the quarter arrived with an insurance clause in it.
With over 35 years’ experience protecting small businesses and freelancers, our experts will help you find the right level of cover. Here’s what makes us different:
£54.88 / year
£34.00 / month
£376.32 / year
The above quote examples were taken from our online system on 10/11/25 and include insurance premium tax but exclude our £10 admin charge. These are real quotes but your own personal quote will vary dependent upon your circumstances and the level of cover you require.
Most insurance policies will be subject to an excess. This is the amount you will be expected to pay in the event of a claim. Detailed below are the standard excesses under a Professional Saver policy but you should check your own quotation to see exactly what excesses apply to your policy as these may vary dependent upon the type of work you do.
| Insurance cover | Excess |
|---|---|
| Public Liability | £250 |
| Products Liability | £250 |
| Employers Liability | No Excess |
| Financial Loss | 10% of claim value(£2,500 minimum) |
| Professional Indemnity | £250 |
| Business Contents & Equipment | £100 |
| Legal Expenses | No Excess |
* Total number of live policies as of 31/10/2025
From only£55per year
From only£55per year
From only£55per year
From only£55per year
From only£55per year
From only£55per year
Policies start from £55* a year, including public liability, products liability, legal expenses and financial loss cover before any options are added. What you’ll pay depends on your line of work, where you work, the optional covers you choose and your claims history, and you can spread the cost with monthly instalments. Get a quote online and the price appears in about five minutes, itemised so you can match it against whatever your contract requires.
Every freelancer knows the rhythm: the brief lands, the contract follows, and somewhere in clause 14 is an insurance requirement with a deadline attached. Get a quote online, match the covers to the clause, and send the certificate back with your signature, all backed by an insurer rated AA- (Stable) by Standard & Poor’s. From £55* a year, and the contract never has to go cold waiting for you.
Same day. Get a quote online, pick the covers and limits the contract names, and your certificate is available to download from our portal straight after purchase. It’s the most common emergency we solve.
If clients, couriers or collaborators ever visit, public liability still earns its place, and your equipment needs cover wherever it sits, because home insurance typically excludes business kit. What changes when you work from home is usually the price, not the need; low-footfall freelancers sit at the cheap end of the range.
The covers are the same; the framing differs. Freelancers typically work contract-by-contract for agencies and clients who dictate insurance requirements, which is the world this page describes. If you run your own business more broadly, our self-employed insurance page walks through the full stack of covers from that angle.
Usually, yes. Business insurance premiums are generally an allowable expense with HMRC, so the cost can normally be set against your taxable profits. Worth mentioning to your accountant alongside the rest of your business expenses.
Standard excesses are £250 on public liability, products liability and professional indemnity claims, £100 on business contents and equipment, and nothing on legal expenses. Your quotation confirms the exact figures for your policy, as excesses can vary with the type of work you do.
