Quote online and buy in minutes

Get my quote

Self-employed business insurance

Be your own boss, with back-up. Self-employed insurance protects your work, your bank balance and your reputation if something goes wrong.

Quote online and buy in minutes

Quote online and buy in minutes

Get my quote

Affordable insurance

Licensed advisors

No-obligation quote

Customized coverage

Self-employed business insurance

Be your own boss, with back-up. Self-employed insurance protects your work, your bank balance and your reputation if something goes wrong.

Quote online and buy in minutes

Get my quote

Business insurance for the self-employed

Going self-employed was the best decision you ever made, right? Now you’re in control. You set your own hours, choose your clients and decide who’s on your team.

But in business (and in life) there are some things you can’t control. And when you’re self-employed, if something goes wrong, you’re on your own.

What if an unhappy client claims you made a mistake and slaps you with a lawsuit? Or you’re faced with massive medical bills after a customer trips and falls on your premises? What if you get hacked and your clients’ data is stolen?

Those what-ifs could turn your self-employed dream into an expensive nightmare.

Self-employed insurance puts you back in control – of your bank balance, your work and your reputation. If something goes wrong, your policy can take care of medical bills, legal fees and pay compensation too.

Buying insurance for your self-employed business. It could be the next, best decision you ever make.

  • Who needs self-employed business insurance?

    Do you visit with clients? Do they visit with you?

    If the answer’s yes to either, or both, of those questions, you need self-employed general liability insurance.

    Because if a customer slips and injures themselves, or you damage their property, they can sue you. And without insurance that’ll cost you. You’re looking at medical bills, legal fees, court costs and compensation too, if it’s your fault.

    General liability insurance can pay the costs of a legal claim. Including your legal expenses, the cost of medical treatment and repairs or replacement of damaged property.

    Add equipment cover to your general liability policy, and the tools of your trade are protected from loss or damage, too.

    Do clients pay you for your services or advice?

    If the answer’s yes, you need professional liability insurance (or errors and omissions as it’s also called). Without it, if a client claims you made mistake and sues you for negligence, you’ll have to cover the costs of a legal claim.

    Self-employed professional liability insurance can pay the costs of a negligence suit. You’ll get an attorney to defend you, your legal fees paid and compensation due, too.

    Do you have a website? Use email? Store sensitive client data?

    If the answer’s yes to any of those questions, you need cyber liability insurance. Cyber-attacks are on the up. And with less money for strong cyber defenses, small businesses like yours are soft targets.

    Cyber insurance protects you by giving you the support and tools to recover from an attack and stay in business. Including the recovery costs, which can be enough to put a small business out of business.

  • What does self-employed insurance cover?

    There’s a policy to cover pretty much everything you need when you’re self-employed.

    General liability insurance covers damage to another person or their property. You can add cover for loss or damage to your equipment, too.

    Professional liability insurance covers the cost of claims you made a mistake. If clients pay you for advice or a service, this policy is a must-have. That’s because clients can sue even if you did nothing wrong.

    Cyber liability insurance covers the costs of a hack or data breach. It’ll also give you the support and tools you need to recover from one. So you’re back on your feet doing business again quickly.

    Workers’ compensation insurance is required in most states if you have anyone working for you. But it’s a good policy to have anyway as it protects you from the cost of workplace injury claims.

    If you’re not sure which self-employed liability insurance you need, talk to one of our advisors. We’re always happy to help and we can get you the right coverage. Fast.

  • How much does self-employed business insurance cost?

    The cost of your self-employed business insurance will be affected by things like:

    • What industry you’re in
    • How much your annual payroll is
    • Your annual business income
    • The amount of coverage you need.

    But to give you a rough idea of price:

    Our general liability policies start from $30 a month.
    Professional liability insurance costs from around $35 a month.
    Cyber liability insurance starts at $46.66 a month.

    Pay in one lump sum, or in quarterly, or monthly, installments. Whatever suits your budget best.

Prefer to talk?

For advice, a quote or just a quick question, feel free to call me.

I'm Matthew - I'm here to help you.

My direct line is: 978 344 4226.

Call me or request a call and I'll call you back.

Matthew

Matthew Kelley
Account Executive

Quote online and buy in minutes

Get my quote