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Sole Traders Insurance

Cheap sole trader insurance that you can rely on

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Tradesman Saver’s Sole Trader Insurance Cover?


Our standard cover is:

  • £1 million cover for public and products liability (with an option to increase to £2 million or £5 million)
  • £10,000 cover for any financial loss (£50K cover optional)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

Sole trader insurance helps keep your head above water financially if you’re impacted by unfortunate incidents like injury or theft. The sole trader insurance package from Tradesman Saver provides you with comprehensive cover, including public liability insurance, products liability insurance and employer’s liability insurance. This means you can do what you do best without worrying about the financial consequences of any accidents.

Why do you need sole trader insurance?

Although being a sole trader offers benefits like being your own boss and complete ownership of profits, you still have to think about the potential for things to go pear-shaped. 

With a sole trader insurance policy from Tradesman Saver, you’ll have a safety net should anything go awry. What’s more, you’ll be a lot more attractive to prospective clients, as this helps to prove that you’re trustworthy. 

Here at Tradesman Saver, we offer affordable sole trader insurance to ensure that everyone can get the cover they need. To create a tailor-made policy today, simply fill out our online form.

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Your 60 Second Guide to Sole Trader insurance

How our sole traders insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a quote

Get an instant quote & choose any optional covers you may need

3 You’re insured!

Instantly activate your Tradesman Saver policy and view your certificates online

Understanding public liability insurance for sole traders

When looking for a sole trader insurance policy, you’ll come across various terms. But perhaps the most common is ‘public liability cover’, and for good reason. Forming the basis of most insurance policies, it protects you if you’re pursued for causing injury or property damage to third parties. Among the scenarios it will protect you in include:

  • Scratching the paint off a client’s car after accidentally catching it with a piece of wood.
  • Injuring a member of the public after they trip over your toolbox.
  • Ruining a customer’s carpet after spilling coffee on it.

Why do you need sole trader public liability insurance?

Public liability insurance is vital for two main reasons. The first is that it protects your business against expensive compensation claims and legal expenses because of injury or property damage caused while working. Having this cover could be the difference between your company folding or not. 

The second reason is that public liability insurance helps you to attract customers. People will be much more willing to work with those with a comprehensive insurance policy, as it shows that the tradesman in question takes their safety seriously and is therefore more trustworthy.

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How much does sole trader insurance cost?

How much your sole trader insurance costs is impacted by aspects such as how big your contracts are, your experience and your claims history. The type of cover you opt for can also help determine the price. 

Here at Tradesman Saver, our policy for sole traders includes a few extra covers as standard, including legal expenses, financial loss and accidental death insurance. Consequently, you’ll get some of the most comprehensive cover on the market.

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Prices start from £53.76

Sole trader insurance quote examples

£53.76 / year A bricklayer working as a sole trader on domestic and small commercial properties not exceeding 10 metres in height
  • Bricklayer
  • Sole trader
  • No employees
  • 5 years experience
  • Based in Newcastle
  • No claims

Automatic Covers

  • Public Liability £1,000,000
  • Financial Loss £10,000
  • Products Liability £1,000,000
  • Legal Expenses £250,000
  • Accidental Death £10,000

Optional Covers

  • Business Contents Not Insured
  • Personal Accident Not Insured
  • Employers Liability Not Insured
  • Tools / Equipment Not Insured
  • Contract Works Not Insured
  • Professional Indemnity Not Insured
£51.10 / month £575.68 / year A plumber working as a sole trader on domestic and small commercial properties
  • Plumber
  • Sole Trader
  • No employees
  • 1 years experience
  • Based in Surrey
  • No claims

Automatic Covers

  • Public Liability £2,000,000
  • Financial Loss £10,000
  • Products Liability £2,000,000
  • Legal Expenses £250,000
  • Accidental Death £10,000

Optional Covers

  • Business Contents Not Insured
  • Personal Accident Not Insured
  • Employers Liability Not Insured
  • Tools / Equipment £2,000
  • Contract Works Not Insured
  • Professional Indemnity Not Insured

The above quote examples were taken from our online system on 17/05/23 and include insurance premium tax but exclude our £5 admin charge.  These are real quotes but your own personal quote will vary dependent upon your circumstances and the level of cover you require.

Insurance cover Excess
Public Liability £250(£500 for plumbers)
Products Liability £250(£500 for plumbers)
Employers Liability No Excess
Financial Loss 10% of claim value(£2,500 minimum)
Professional Indemnity £250
Contract Works £250(£500 Theft/Malicious Damage)
Tools / Equipment £100(£250 Unattended vehicle)
Legal Expenses No Excess

Chosen by over 5000 businesses and counting *

  • Online & Anywhere

    Online & Anywhere

    We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

  • Monthly Instalments

    Monthly Instalments

    Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

  • Instant Cover

    Instant Cover

    No need to wait for your documents. Our tradesman cover starts from the date you select.

  • Added protection

    Added Protection

    Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/01/2024

Sole Trader Insurance: Frequently Asked Questions

Do I legally need sole trader insurance?

Strictly speaking, you don’t require sole trader insurance by law unless you hire employees. In this case you’ll need employer’s liability insurance. However, getting sole trader insurance is not only a great financial decision, but will give you a much better chance of attracting clients.

What, exactly, does sole trader insurance cover?

Sole trader insurance from Tradesman Saver can cover a wide range of incidents, and include a variety of different insurance policies. For example, your sole trader insurance may include:

  • Personal accident insurance
  • Public liability insurance cover
  • Professional indemnity cover
  • Product liability insurance (where applicable)

If you’re not sure whether sole trader cover will protect you against everything you need, don’t hesitate to get in touch with our experienced team today. Here at Tradesman Saver, we can provide advice and direct insurance policies to protect you, your clients and the general public.

How much sole trader insurance do I need?

 How much sole trader insurance you need is affected by aspects like how dangerous your jobs are, the size of your contacts, and the cost of your equipment. We can help you work this out if you’re uncertain.

What additional covers might I want on my sole trader insurance policy?

Other examples of business insurance covers you might want to consider include tools insurance for your all-important tools, van insurance for your vehicle and business contents cover for equipment like PCs and phones. It’s also possible that, if you need to hire in extra help, that you need to get employers liability insurance to cover your employees.

Do I need employers liability insurance if I’m self employed?

Our team can provide more information about what insurance policies might be best for your business. We’ll consider factors such as the type of work you conduct and the potential risks associated with them, as well as ensure that your coverage is tailored specifically to you.

Do I need professional indemnity insurance if I’m self employed?

Professional indemnity insurance can be an important addition to your business cover, as it protects you from claims of negligence, errors or omissions in the work you carry out. It is especially important if you provide professional services, such as advice or consultancy services, and often required by certain industries and clients. We will review your needs carefully and recommend the most appropriate policy for you.

What limit of indemnity will I require?

The indemnity limit is the maximum an insurer will pay in the event of a claim, with the standard limit being £1,000,000. However, some of your contracts may require you to have a higher limit, or it may be a condition of your professional association or trade body membership.

How do I make a claim on my sole trader insurance policy?

To make a claim on your sole trader insurance policy, just get in touch with us as soon as possible. Before you do though, check that you’re within the time limits for making a claim and that your policy covers what you’re claiming for. You should also see what the excess is so you’re aware of how much contributing towards the claim. Once you’ve told us, we’ll take it from there and liasie with your insurance provider. We’ll keep you updated throughout the process.


Does sole trader insurance protect me against legal fees?

Yes, it can. At Tradesman Saver, our insurance policies for sole traders protect you against legal costs or fees associated with any claims made against you as part of your work.

Which details do I need to provide to get a quote?

The main information you’ll need to give when obtaining a sole trader insurance quote is your name, address and the type of work you undertake. Depending on your industry, you may need to add additional information, including any history of insurance claims or accidents, and whether you’re part of relevant national schemes.

This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2024 Tradesman Saver | Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check our financial services registration status on the Financial Services register.
Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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