Business insurance is easy to put off until a client asks for a certificate or something goes wrong. These are the providers a freelancer or small company can get covered with, mostly online and in minutes rather than through a week of broker calls — for general liability, professional indemnity and legal-expenses cover.
A hands-on guide to where small businesses buy the cover they actually need — liability, professional and legal-expenses insurance — mostly online, grouped by what you're protecting against.
This page has affiliate links: we earn a commission if you sign up through a provider. Every provider here runs an affiliate programme — that's the pool we work from — but which ones we list and how we group them is our editorial call, and the commission never changes it.We open each provider's live site by hand where we can; one here (Hiscox) sits behind a bot-wall, so we describe it from public positioning and flag it on its card.
Reviewed: 2026-07-17
Insurance is a regulated financial product — descriptions are informational, not advice. No prices, cover terms, quotes or eligibility are stated here; check them with the provider.
The cover a client or contract asks for — general liability and professional indemnity — plus legal-expenses cover for when a dispute escalates. Mostly bought online in minutes.
Affiliate links — we earn a commission if you sign up through them.
An online business-insurance marketplace that compares and buys liability and professional cover for small businesses and the self-employed.
Live-checked 2026-07-17.
A digital small-business insurer (now part of ERGO) offering liability and professional cover with instant online quotes and certificates.
Live-checked 2026-07-17.
A specialist insurer well known for small-business and professional cover — tailored policies for consultants, freelancers and small firms.
Their site blocks automated checks, so this is described from the provider's own public positioning.
A German legal-expenses insurer covering the cost of legal disputes for individuals and businesses.
Live-checked 2026-07-17.
We looked at more insurers than made the list. A couple we left off:
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