Self Employed


Businesses trading from home or from a third-party site that have no business premises to insure, with minimal stock and business contents cover requirements and a maximum of ten workers (including labour only subcontractors). Suited to businesses involved with retail, leisure, construction and services trades.

Key description

A flexible packaged product offering essential Public Liability cover as well as additional optional covers that enable insurance to be tailored to the needs of individual businesses.

Core cover

  • Public Liability available from £1m to £5m, including contractual liabilities as well as legal costs and expenses in defending prosecutions under relevant health and safety legislation.
  • Legal Protection
  • Money & Assault

Optional covers

  • Employers Liability
  • Professional treatment liabilities for hair & beauty trades
  • Business Equipment
  • Contractors Tools
  • Stock
  • Contract Works including your plant and hired in plant
  • Personal Accident
  • Business Interruption
  • Cover can be extended for construction trades to include up to an additional ten bona-fide sub contractors or temporary employees.

Alternative products

  • Fast Trade packaged products: For retail/services/leisure businesses employing more than 10 people and with a business premises to insure.

Selling points

For more information about Target Market statements please visitself employed.


Key documents

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All current documents

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We recognise the impact a claim can have on your customer’s business. We want to get them back to normal as quickly as possible.

Claims contacts and services

New claims

Fast and simple notification of claims.

  • Notify new commercial property claims 24/7/365 - online or by freephone, fax or e-mail.
  • 24/7/365 help from emergency plumbers, glaziers and locksmiths to ensure your customers aren’t left in a vulnerable position.
  • UK-based.
  • Rapid deployment of loss adjusters.
  • Tried and tested weather response plan.

Reported claims

  • Claims experts - dedicated commercial property teams in Southend and liability teams in Glasgow.
  • We proactively minimise a claims impact on your client’s business.
  • Interim payments to keep your customers trading.
  • Online claims tracking.
  • 12-month guarantee on repairs carried out by our approved network.
  • Claims solutions for all your clients - from sole traders to large organisations.

Service channels

Cross-sell products

  • Minifleet: For businesses with three to 12 vehicles.

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