Small business insurance for sole traders can include public liability cover for claims involving injury or property damage, and professional indemnity cover for alleged mistakes in advice or services. Depending on your work, you might also consider cover for tools, business equipment, stock, or business interruption. Sole traders without employees do not usually need employers’ liability insurance, but you may need it if you employ people or work with contractors who are legally treated as employees. Check your contracts and discuss your risks with an FCA-authorised insurance provider to identify suitable cover.