Freelancers may need different cover depending on their work, such as professional indemnity, public liability, employers’ liability if they employ anyone, or equipment insurance. When requesting business insurance quotes, provide accurate details about your services, turnover, clients, working location and any previous claims, as these can affect the options and price offered. Compare policy limits, excesses, exclusions and whether legal expenses or work carried out overseas is included, rather than choosing on price alone. Check that the provider is FCA-authorised and seek advice from a regulated broker if your risks are specialist or difficult to assess.