Do Freelancers Need Public Liability Insurance in the UK?
Public liability insurance isn’t legally required for most freelancers — but it’s often essential.
If your work brings you into contact with clients, the public, or even shared workspaces, this insurance could protect you from serious claims.
✅ What Public Liability Insurance Covers
- Injury claims if someone is hurt because of your work
- Property damage caused while you’re on-site
- Legal costs and compensation payouts
- Peace of mind when working with clients or at events
Even if you’re not client-facing all the time, one accident could cost you thousands.
Who Might Need It?
You’re more likely to need it if you:
- Visit client sites or offices
- Attend markets, events, or networking meetups
- Host clients at your own premises
- Work in shared spaces or co-working hubs
- Do anything physical like hairdressing, tutoring, events, or security
How Much Does It Cost?
Basic cover can start from as little as £50/year, depending on your industry and the level of protection you need.
You’ll often choose your cover amount (e.g. £1 million, £2 million) depending on contract requirements.
👉 Ready to Get Covered?
✅ PolicyBee - Freelancer insurance
Fast quotes, specialist cover, and excellent UK support.
Get a quote from PolicyBee →
💡 Final Tip: Clients Might Require It
Some clients — especially corporates — won’t hire you unless you have proof of public liability insurance.
Getting cover in place now shows you’re serious, professional, and reliable.