Bespoke Self-Employed Insurance
As a sole trader, you are the heart of your business. With bespoke insurance from Brunel, your policy is tailored to protect your personal livelihood and your professional reputation. A typical sole trader policy includes:
Public Liability for Sole Traders This is your primary shield. It protects you if a client or a member of the public is injured, or if their property is damaged because of your work. For someone working for themselves, one major claim could otherwise be financially devastating.
Sole Trader Tool Insurance Your tools are your income. This cover provides financial compensation if your essential equipment is lost, stolen, or damaged, ensuring you aren’t forced off the job while you wait for replacements.
Employers’ Liability Insurance While many sole traders work alone this is a legal requirement the moment you hire anyone: including apprentices, temporary helpers or even family members helping out.
Contract Work & Hired-in Plant Cover If you’re taking on more complex solo projects, you can add extra cover for specialised machinery or materials currently on a job site.
Is Insurance a Legal Requirement for Sole Traders?
Strictly speaking, insurance “as a whole” isn’t a legal mandate for the self-employed, but specific elements are:
Employers’ Liability: Legally required if you employ even one person.
Public Liability: While not a legal requirement by the government, many trade bodies and clients will not hire a sole trader who doesn’t have it. It is the industry standard for a reason.
Tool & Equipment Cover: Highly recommended for small businesses. When you are a sole trader, you don’t have a corporate budget to absorb the cost of a stolen van; insurance ensures you stay in business.
With Brunel, you can bundle all these protections into a single, budget-friendly policy that grows alongside your solo venture.
