FAQ Category: Sole Trader

Yes. Many sole trader policies allow cover levels to be adjusted or additional cover types to be added as your business changes.

Yes, in some cases. Claims may still be made for work completed while you were trading, depending on the type of cover and the policy terms.

No. Insurance generally does not cover work carried out before the policy start date.

Yes, in most cases. Sole trader insurance will usually include cover for legal defence costs arising from a valid claim, depending on the type of cover held.

Yes, if included. Tools, equipment, and stock are not usually covered as standard but can often be added through additional cover. Some policies may include a basic level of equipment cover.

Yes, if selected. Some sole trader policies allow you to add professional or consultancy cover, which can help protect against claims relating to advice or services provided.

Yes, depending on the policy. Cover can apply to work carried out at client premises, depending on the activities declared and the level of cover selected.

Yes. Insurance is generally recommended even for part-time or seasonal work. Sole trader policies are typically set up on an annual basis.

Yes. Sole trader insurance can usually be arranged from the point you begin trading, provided the activities you carry out are included in the policy.

Some types of insurance are optional, while others may be required depending on how you work. For example:

• Employers’ Liability Insurance is a legal requirement if you hire anyone, even part-time or temporary staff.
• Other covers like Public Liability aren’t required by law but are strongly recommended — and often demanded by clients, landlords, or trade associations.