Appetite guide/Self-Employed
Broker appetite guideSelf-Employed
Right-sized liability cover for sole traders and the self-employed.
Last reviewed 23/10/2026
Who it’s for
Sole TradersFreelancers & ConsultantsSelf-Employed Service ProvidersSingle-Person Trades
Headline limits
Annual turnoverUp to £500,000
Public & products liability£1m / £2m / £5m
Employers’ liability£10,000,000 (optional)
What we’re happy to write
- Sole traders and the self-employed on the trade list — more than one trade can be selected
- Businesses trading for 2 years or more, or with 2 years’ experience in the trade
- Treatment cover for beauty and hair trades
- Risks in the Channel Islands and the Isle of Man
What we can’t write
- ✕Risks in Northern Ireland (BT postcodes)
- ✕Previous claims, adverse credit, or insurance previously cancelled or voided
- ✕Less than 2 years trading and less than 2 years’ experience in the trade
- ✕Trades that are not available online
Needs an underwriter to review
- !Some risks need an underwriter to look at them before terms are released — the portal tells you straight away when that happens.
Have this information ready
- •Every activity carried out and the annual turnover
- •The public liability limit needed, and whether anyone helps in the business
- •For treatment trades: the treatments carried out
This guide is a summary of our appetite and is not a statement of policy terms. Every risk is subject to underwriting and the policy wording.