As per our freelancer terms, all freelancers must have insurance before accepting a booking on the platform.
Types of insurance cover that may be useful for you
The most common insurances held by freelancers are professional indemnity, public liability and employers’ liability. You might also consider occupational personal accident cover, particularly if you have to commute to a client’s office or go out on site.
The insurance should cover £1.000.000 for both Professional indemnity and public liability insurance. The second one is not mandatory unless the work is carried out at the client's premises.
Other types of insurance you may want to take out include directors’ and officers’ liability to cover your responsibilities as a company director, as well as legal expenses insurance which may be useful if you're defending a commercial dispute such as a tax investigation, or when facing a contractual dispute.
Each of the above types of cover are explained in more detail in this FAQs section.