Public liability insurance
Recommended business practice
Public liability insurance can cover claims if you injure someone or damage their property. It isn't generally a legal requirement for sole traders, but many customers, letting agents and platforms expect it.
Employers' liability insurance
Official requirement / official guidance
If you employ staff, you will usually be legally required to have employers' liability insurance. GOV.UK explains when it applies and the exemptions.
Other cover to consider
Recommended business practice
Speak to an insurer or broker about what fits your business.
- Key cover — if you hold customers' keys
- Equipment cover
- Business use on your vehicle insurance
- Professional indemnity — for some commercial contracts
Frequently asked questions
This information is general business guidance and is not legal, tax or financial advice. Requirements can change, so always check the latest information from official sources or a qualified professional.