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Advice on setting up freelance?


#1
I am currently setting up as a freelancer to fit in around my current job. I was wondering as a self-employed designer that would mainly work from home would I need any type of insurance at all?
 

Paul Murray

Moderator
Staff member
#2
I don't think so, at least not unless you're having clients round to your premises. I tend to meet clients either at their offices or at a local coffee shop. It's worth making sure any pricey equipment you need to run your business is covered in your contents insurance though, just in case.
 

bigdave

Moderator
Staff member
#3
Whilst you dont need public liability unless people are visiting your place of work, it might be worth considering what happens if you go to a clients home/office and damage something (ie; spill a cup of coffee on an expensive rug/carpet)? Public liability would cover the cost of repair or replacement in that instance.

You also need to consider professional indemnity insurance. If you inadvertently break copyright law or if a client decided that your work has damaged their business and takes you to court, as a sole trader you could potentially lose everything including your home.