Public liability insurance is there to help protect you and your business if a member of the public claims they were injured or their property was damaged as a result of the work you’ve carried out or the products you’ve used. Public liability cover as part of your freelancer insurance will pay compensation on your behalf as well as the legal costs of defending yourself against a claim.

What would you do if you couldn’t work as a result of an injury? It might mean lost earnings, but it may also lead to missed deadlines and it could jeopardise future work. Personal accident insurance for freelancers protects you when the unexpected happens, so whether you need to stay in hospital or you just can’t work at your normal pace, it provides a weekly pay-out and can also cover the cost of bringing in support staff.

While your most important assets as a freelance professional are your particular skills and experience, you also rely on the tangible tools of your trade from day to day – your laptop, your smartphone and your other important devices. But what if they’re damaged or stolen? Whether they’re owned or hired they can be covered for replacement or repair with portable equipment insurance cover as part of your business insurance for freelancers policy.