Self Employed Insurance

Whether you run a dog grooming parlour or a building firm we provide cover for all types of sole traders and small businesses.

Key benefits

  • Public Liability Insurance of £1 million for any one event with increases available at an additional cost for most trades to £2 million or £5 million
  • 24-hour claims line: efficient, expert, friendly service when you need it
  • Optional extras: legal expenses, group personal accident and tool and stock in transit cover if you need them

Post Office® Business Insurance is administered by Gallagher Heath Insurance Services, which is a trading name of Heath Lambert Ltd.

How it works

Public liability insurance will protect your business if a member of the public suffers accidental injury or damage to their property because of your business. It’s included as standard in our policy and also covers cross liabilities and temporary occupation of buildings.

Additional optional extras

You can add the following optional extras to your policy when you apply.

Employers’ liability insurance protects your business if a member of staff becomes ill or gets injured as a result of an accident at work and your business was at fault. We offer up to £10 million cover in employers' liability as standard.

Legal expenses cover for up to £100,000.

Cover for tools and stock in transit of up to £5,000 with a single article limit of £1,000.

Cover for up to £500,000 for contractors all risks including contract works for any one contract.

Cover for own plant and equipment of up to £25,000 and hired plant and equipment of up to £50,000 in any one claim.

Group personal accident - up to 5 units of benefit available with one unit representing - £10,000 for Death, Loss of Limb/Eye or Permanent Total Disablement - £100 per week for Temporary Total Disablement up to 104 weeks.

Please see Self Employed Keyfacts summary and Business Legal Guard Keyfacts summary for further information. Terms, conditions, limitations and exclusions apply.

Making a claim

Claims line is open 24 hours a day so we’re there whenever you need us. Excesses apply.


Cross liabilities: This is where the two named parties in the claim are under the same insurance policy and it protects both people.

0800: Calls to 0800 numbers are normally free from UK landlines but charges may apply from mobile phones. Calls may be monitored or recorded for training and compliance purposes.

0845: Calls to 0845 numbers may be charged at up to 5p per minute from a fixed line and calls from mobiles can be considerably higher. Calls may be monitored or recorded for training and compliance purposes.

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Small print

Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is Registered in England and Wales (No. 7022885). Registered address Bow Bells House, 1 Bread Street, London, EC4M 9BE. Post Office is a registered trademark and Post Office logo is a trademark of Post Office Ltd. Post Office Ltd is registered in England and Wales. Registered No. 2154540. Registered Office: 148 Old Street, London, EC1V 9HQ.

The Financial Conduct Authority register number for Bank of Ireland UK is 512956. You can check this on the FCA’s Register by visiting the FCA’s website or by contacting the FCA on 0845 606 1234

Handy info

For more details about our Self Employed Insurance check out the policy documents below.

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Can we help?

To make a claim call:

0845 125 8859

Lines are open 24 hours a day