Self Employed Insurance

  • Up to £5 million public liability cover

Post Office Money® Business Insurance is is arranged and administered by Gallagher Heath Insurance Services.

How it works

Whether you run a dog grooming parlour or a building firm Post Office Money Self Employed Insurance provides cover for all types of sole traders and small business.

  • Legal expenses and other optional extras
  • 24-hour claims line

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. This is where the two named parties in the claim are under the same insurance policy and it protects both people and temporary occupation of buildings.

Making a claim

The claims line is open 24 hours a day so the experienced claims team is there whenever you need them.

Policy features

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.

Definitions

0800: All calls to 0800 numbers are free of charge whether made from a landline or mobile phone. Calls may be monitored or recorded for training and compliance purposes.

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

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Small print

Post Office Money® Business Insurance / Self Employed Insurance is arranged and administered by Gallagher Heath Insurance Services. Gallagher Heath Insurance Services arranges policies from a panel of insurers which consists of Ageas, APC, Arthur J Gallagher (UK) Ltd, Aviva, AXA, Catlin Insurance Company (UK) Ltd t/a Angel Underwriting, Chaucer, Ecclesiastical Insurance PLC, e-Underwriting, Hiscox, LV, NIG, Novae Underwriting Limited, OIM GHIS Croydon Facility, QBE, RSA, UK General Insurance Group Ltd & Zurich Insurance plc.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: Finsbury Dials, 20 Finsbury Street, London EC2Y 9AQ. Post Office Money and the Post Office Money logo are registered trademarks of Post Office Limited.

Gallagher Heath Insurance Services is a trading name of Heath Lambert Limited, which is authorised and regulated by the Financial Conduct Authority, FRN 312030. Heath Lambert Limited is registered in England and Wales. Registered number 01199129. Registered Office: The Walbrook Building, 25 Walbrook, London, EC4N 8AW.

You can check this on the Financial Services Register by visiting the website www.fca.org.uk/register or by contacting the Financial Conduct Authority (FCA) on 0800 111 6768.

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Get the facts

Can we help?

To get a quote or apply for cover over the phone call:

0800 138 8271 9am-5pm, Mon-Fri
Closed Sat, Sun and Bank Holidays

For Customer Services:

0800 138 8272 9am-5pm, Mon-Fri
Closed Sat, Sun and Bank Holidays