AXA Business Insurance

You may need to take out:

  • professional indemnity insurance
  • employers’ liability insurance
  • public liability insurance
  • cover for personal equipment, stock, goods in transit or products liability

What insurance does a self‑employed person need?

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Professional indemnity insurance

Put simply, professional indemnity insurance covers the work you do. If you provide advice or a service that customers pay for, they could sue you or claim compensation if they feel you’ve made a mistake or cost them money.

Without professional indemnity insurance, the expert legal support to defend a claim against your company – plus any compensation you need to pay to settle it – could be very expensive. In this case, AXA professional indemnity insurance protects you.

Find out more about professional indemnity

public liability

Public liability insurance

If you have visitors to your home-workplace or you visit other people on business – public liability cover could be for you. It covers you if someone is injured on your property and makes a claim, or if you accidentally damage their property.

Claims can arise from the most unexpected quarter. Say a client trips over a rug while crossing your hallway and has a bad fall – you could be found liable for compensation costs. Likewise, if you scratch or spill something on furnishings during a visit – you could face repair bills.

Find out more about public liability insurance

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Employers’ liability insurance

Many people work from home on their own. But if anybody works for you – and that includes full and part time staff, freelancers or volunteers – you need to have at least £5 million employers' liability cover. It's required by law.

If someone you are directly responsible for is injured as a result of working for you, you need to be sure they are properly looked after – and ensure your business is not harmed too. With us, you’ll get £10 million cover as standard.

Find out more about employers' liability insurance

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Business equipment

If you use your computers, mobile phone, kitchen or other equipment for your business, they probably won’t be covered by your home contents policy. Get a quote for business insurance online and you’ll also be able to add business equipment cover to your policy.

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Vehicles and goods in transit

You’ll also need to think about insuring yourself on the move. If you use a van for business use, you’ll need specialist van insurance to be covered for claims. You can also insure stock and goods that you carry or send via third parties.

Find out more about van insurance.

Call 0330 159 1523◆◆ for goods in transit cover.

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Products liability

If a product you’ve supplied causes injury property damage, you could end up footing compensation and legal defence bills. With products liability cover, you’ll have the peace of mind you’re covered.

Call 0330 159 1520 for a quote.

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Personal accident

If your business relies on you, then you need to consider how your income would be affected if an injury leaves you unable to work. In this case, your personal accident cover would pay your wage until you recover. Maximum limits apply.

Want to talk?

Whether you've got a general enquiry about business insurance or something more urgent, our team are waiting to help.

Lines are open Monday to Friday, 8am to 8pm; and Saturday, 9am to 2pm. Calls may be recorded and monitored. Terms conditions, eligibility and exclusions apply.

◆◆ Lines are open Monday to Friday, from 8am to 8pm, and Saturday, from 9am to 2pm.