The right cover depends on your work and the risks involved, but sole traders commonly consider public liability, professional indemnity, tools or equipment cover, and business interruption insurance. Public liability can help with claims if someone is injured or their property is damaged because of your business, while professional indemnity may be relevant if you provide advice, designs or other professional services. Employers’ liability insurance may be legally required if you employ anyone, although specific exemptions can apply. Compare policies with an FCA-authorised provider and check the wording carefully for exclusions and cover limits.