Last Updated: May 18, 2026
Referral bonus: if you use my PolicyBee referral link and go on to buy a policy, you get £20. Every guide in this cluster uses the same PolicyBee referral route, and you get £20 when you buy a policy. Check the current PolicyBee quote and £20 referral offer here.
This PolicyBee business insurance guides hub is the main place to compare the trades, risks and niche articles I have built around the £20 referral route. If you are self-employed, freelancing, renting a chair, visiting clients, giving professional advice or working inside customers' homes, this page points you to the most relevant niche guide.
Want to compare small business insurance? PolicyBee is the referral route I use for these guides because it supports a wide range of UK small business, freelancer and sole-trader insurance needs. Start a PolicyBee quote through my referral link and get £20 when you buy a policy.
Choose your business type
| Business type | Guide | What it helps with |
|---|---|---|
| Self-employed cleaners | Read the guide | Public liability, equipment, client-home damage and employers' liability checks. |
| Carpet cleaners | Read the guide | Customer property, wet floors, cleaning machines, treatment risks and equipment cover. |
| Bookkeepers | Read the guide | Professional indemnity, client records, deadline mistakes, confidentiality and public liability. |
| Personal trainers | Read the guide | Treatment and public liability for online, gym, outdoor and home-studio sessions. |
| Mobile beauty therapists | Read the guide | Treatment liability, client-home risks, portable equipment and chair-rental checks. |
| Hairdressers and barbers | Read the guide | Chair rental, mobile work, treatment liability, tools and salon cover boundaries. |
| Wedding photographers | Read the guide | Public liability, professional indemnity, kit cover, second shooters and client disputes. |
| Consultants | Read the guide | Professional indemnity, public liability, cyber cover and client contract requirements. |
| Window cleaners | Read the guide | Public liability, ladders, water-fed poles, equipment and working at customers' homes. |
Which cover usually matters first?
| If your work mainly involves | Start by checking | Examples |
|---|---|---|
| Working in customers' homes | Public liability | Cleaners, carpet cleaners, window cleaners, mobile beauty therapists. |
| Giving advice or handling client records | Professional indemnity | Bookkeepers, consultants, photographers with client-dispute risk. |
| Treating or physically training clients | Treatment and public liability | Personal trainers, beauty therapists, hairdressers and barbers. |
| Using expensive equipment | Equipment or tools cover | Photographers, carpet cleaners, mobile beauty workers, window cleaners. |
| Hiring or directing other people | Employers' liability | Any business using staff, assistants, helpers or trainees. |
How I would use this hub
- Pick the guide that matches your trade first.
- Use the checklist inside that guide before starting a quote.
- Check the PolicyBee quote against the exact services you provide.
- Do not assume one generic policy covers every treatment, activity or contract requirement.
- Save the certificate if clients, venues, salons or agencies ask for proof.
Ready to check cover? Use the PolicyBee referral link below when you are ready to compare the live quote options. Start a PolicyBee quote through my referral link and get £20 when you buy a policy.
FAQ
Is PolicyBee suitable for sole traders?
Yes, PolicyBee has quote routes for many sole traders, freelancers and small businesses. The right fit depends on your trade, services, turnover, cover limits and whether you employ anyone.
Which insurance should a sole trader check first?
It depends on the work. Public liability usually matters when you work around clients or their property. Professional indemnity matters when clients rely on your advice, records or professional output.
Can I use one PolicyBee quote for several business activities?
Only if the quote accurately reflects all the work you do. If you mix services, declare them rather than assuming they are included.
Does the referral link change the price?
The referral route should take you to PolicyBee's live quote flow. Always check the current terms and price before buying because referral offers and policy pricing can change.
PolicyBee cluster hub links
- PolicyBee business insurance guide hub
- small business insurance for UK sole traders
- PolicyBee referral code and current offer
I’m Steven, founder of MoneyAppReviews. I test money apps, referral programs, and EV tools in real life before I write about them. I drive a 2021 Tesla Model 3 Long Range, use Octopus Intelligent Go for home charging, and regularly track costs, savings, and app performance over time. I focus on practical, evidence-based reviews that help people decide what is actually worth using, not just what pays the highest commission.