Excellent service from start to finish. The team took time to understand exactly what I needed and found me a great policy at a competitive price. Couldn't be happier with the whole experience.
Been with Chris Knott for over 5 years now. Easy renewal process and the team are always a pleasure to speak with. Proper UK-based advice you can actually trust.
After being let down by my previous insurer, Chris Knott made the whole process painless. Honest, straightforward, and friendly from the very first call. Highly recommend them.
Andy was brilliant - talked me through all the options clearly, no pressure, and found me a much better deal than the comparison sites. This is how insurance should be done.
I needed specialist cover for my classic Jaguar and Chris Knott sorted it quickly and at a great price. Really impressed with the level of knowledge and personal service.
Switched my home insurance after a recommendation from a friend. Very competitive premium and the whole thing was done in under 20 minutes. Very pleased with everything.
First-class service. I dealt with Emma who was patient, helpful and knew exactly what I needed for my thatched cottage. Got proper specialist cover, not a standard policy.
Genuinely good old-fashioned customer service. A real person who actually listens and helps you find the right cover. Wouldn't go anywhere else for my insurance now.
Had a claim last year and Chris Knott supported me throughout. Made a stressful situation much easier. Fair, fast, and professional - exactly what you want from a broker.
Renewed my multi-car policy today. Still the best value I've found anywhere and the team remembered me from last year. That personal touch really makes a difference.
Very helpful team, especially when I needed to add a modified vehicle to my policy. Talked me through everything and made sure I was properly covered. Excellent all round.
Chris Knott have been brilliant for my listed property - most insurers wouldn't touch it but they found me comprehensive cover at a sensible price. Grateful for their expertise.
Efficient, clear, and competitive. I ran through three comparison sites before calling Chris Knott and they beat them all. UK-based team made the whole thing painless.
Outstanding from start to finish. I've recommended Chris Knott to everyone I know - my parents, my sister, and even my colleagues. They never let anyone down.
The service is what sets Chris Knott apart. You get proper advice from people who understand insurance, not a script. Worth every penny and more.
Working as a sole trader gives you plenty of flexibility, but it also means that you carry a lot of responsibility. If something goes wrong, you could find yourself facing expensive fees and costs.
For instance, what if one of your customers makes a claim against you because they believe you gave bad advice? Alternatively, what would you do if your equipment was stolen from your workshop?
The good news is that you can mitigate these stresses and worries by putting the right insurance in place. This can be tailored to your unique business, and can include Public Liability Insurance for sole traders, Professional Indemnity Insurance, and Business Car Insurance.
I was given a comparative rate with better cover and got to discuss it with very helpful people on the phone and I could understand them. No gimmicks, just good old-fashioned customer service.
Martyn Herbert, TrustPilot
The most common questions we're asked about sole trader insurance. Can't find what you're looking for? Speak to our UK-based team on 0800 917 2274.
It is not a legal requirement to have Public Liability Insurance as a sole trader. However, you may find that some of your clients require it.
Even if your customers do not need you to have Public Liability Insurance, it can give you some peace of mind. This is because it can financially protect you should you injure a member of the public or damage their property, such as spilling paint over their newly installed carpet.
Without Public Liability Insurance for sole traders in place, you will have to foot the bill for any repairs, replacements, compensation or legal costs.
The cost of Public Liability Insurance for a sole trader will depend on several factors. These include what your work involves, where you work and what your business turns over.
If you’d like to get an accurate quote for your Public Liability Insurance, simply get in touch with our helpful team.
Employers’ Liability Insurance financially protects business owners who employ others to work for them. This means that if an employee is injured or becomes ill as a result of carrying out work for you, the cover will help you to cover the costs of compensation and legal fees.
As a sole trader, this may not apply to you.
However, if you do at any point hire someone to work for you, even on a short-term or voluntary basis, you are legally obliged to take out Employers’ Liability Insurance. This includes if you hire labour-only subcontractors. According to the law, labour-only subcontractors are considered to be employees, and you will therefore need to have the right insurance policy to cover them.
The right Sole Trader Liability Insurance will depend on your individual business risks. However, you may want to consider the following:
To find out exactly what Sole Trader Business Insurance you need, chat to our knowledgeable team today.
Unless you hire anyone to work for you, you do not legally have to have any kind of Sole Trader Business Insurance.
However, getting the right insurance can give you some much-needed peace of mind. Working as a sole trader means you only have yourself to rely upon, and if something goes wrong, you may find that you need to pay a significant sum in compensation or to replace valuable equipment.
But with insurance for a sole trader in place, you can rest assured knowing that you have financial help to cover the costs.
Technically, no you don’t. But although you don’t need to have it by law, it is something worth considering if you provide advice, recommendations or professional services.
This is because the costs of legal fees and damages can be very high should a client claim that you have given them bad advice or made an error. But with Professional Indemnity Insurance, you can more easily cover these costs, as well as any compensation.
You may also find that some trade bodies and associations require their members to have Professional Indemnity Insurance. You should therefore check the regulations of membership when you are deciding what Sole Trader Liability Insurance you need.
The cost for your insurance will depend on the exact risks you face. This will be determined by what you do, where you operate and how much your company turns over, among other things.
The best way to get an accurate idea of how much it costs is to speak to a member of our helpful team.
From charity cover to photography insurance, allotment policies to dog-business cover, browse our full specialist scheme range below.
One broker, many kinds of cover - all handled by our UK-based team.
Classic, modified, imported, performance cars and more. Owner's club members save up to 15%.
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Home, landlord, holiday home, listed buildings, thatched properties and places of worship.
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Liability, professional indemnity, shop insurance, fleet cover and business interruption.
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Annual, single trip, medical conditions and group travel cover for UK and overseas.
ExploreEvery page is written and fact-checked by our UK-based insurance specialists. Chris Knott Insurance has been arranging cover since 1983.
Every sole trader insurance policy is different. Speak to our specialist UK-based team and we'll arrange a quote that properly reflects your property and circumstances.
