Self Employed

We offer cover for the Professional, Retail, Construction, Services and Leisure industries. We understand that insurance needs vary widely within each of these sectors, so we've created a policy that brings together a number of covers that your client can choose.

 

What's covered as standard?

• Legal Expenses - whether it’s debt recovery, an unexpected employment dispute, damage to property or client contract issues, this cover can help to provide reassurance if your client faces misunderstandings and disagreements that result in legal action
• Products Liability - if your client sell items, product liability insurance covers your clients business if one of their customers or member of the public becomes ill or suffers an injury because of a product they've supplied
• Public Liability - supports your client with legal fees and compensation pay-outs if your client is accused of causing injury or property damage. For Construction and Manual Services risks this includes liability for up to 15 bona-fide sub-contractors or temporary employees, provided payments to them don't exceed 20% of annual turnover
• Money and Assault - losing money, whether by accident or theft, we can help to protect against losses from their premises, at their home and whilst in transit.

What optional covers are available?

• Employers' Liability - required by law if the business has any paid or unpaid employees this provides cover if anything happens to their employees as a result of the work they do
• Business Equipment - cover for loss, accidental damage and theft for business equipment that's essential to running your clients business
  
• Stock - cover for the cost of replacing the stock your client uses to run their business if it’s destroyed, lost, or damaged
• Contract works - available for Construction Trades only, this cover is on an all risks basis and provides protection for the works and materials for which your client is responsible 
• Own Plant - only available where Contract Works is selected, this can provide cover where your client owns plant, scaffolding, site huts and temporary buildings
• Hired in Plant - only available where Contract Works is selected this can, provide cover where your client hires in plant, scaffolding, site huts and temporary buildings
• Contractors' tools - cover for replacement costs, if your clients tools such as hand tools, portable power tools  and equipment are lost or damaged and this includes tools in transit or where they have been left in a vehicle
• Business Interruption - here to help your client get back on their feet and trading as usual if they're impacted due to an unforeseen insured event
• Personal Accident - cover for compensation to your client should they or any employee suffer accidental bodily injury which results in serious injury or death

Did you know?

Policyholders can also access a range of legal help and advice through our Aviva Business Law website, powered by Farillio. Your clients can get access to business and legal guides, along with help for everything from branding to tax planning.