Whether your client is trading from home, a third party site or their own business premises, this product offers a range of core covers. It also comes with a variety of optional extras, meaning that cover levels are flexible to meet your clients' needs. 

Construction trades

Can cover a maximum of 10 employees, 10 bona-fide sub contractors and 10 clerical employees

Other trade sectors

Can cover businesses with up to 10 employees in the retail, services and leisure sectors

Average free property cover

For clients with a maximum business equipment sum insured of £20,000 and/or a maximum stock sum insured of £5,000

Product details

Why Aviva Self-Employed cover?

Our Self-employed cover features a range of benefits to support your client and their business.

  • Quotes available online, supported by Live Chat for any queries
  • Suited to construction, retail, services and leisure trades
  • Average free Property cover (subject to maximum sum insured payable)
  • Up to £5 million Public Liability cover
  • Public Liability cover for Construction & Manual Services risks automatically includes liability for up to 10 bona-fide sub contractors or temporary employees, provided payments to them do not exceed 20% of annual turnover
  • Money and Assault cover provided as standard
  • Up to £500,000 of Commercial Legal Expenses cover included

There's also these additional cover options which may suit your client

  • Business Equipment up to £20,000
  • Stock up to £5,000
  • Contractors Tools up to £10,000
  • Contract Works including own plant and hired in plant - limits from £50,000 to £500,000 available
  • Employers' Liability - £10 million
  • Personal Accident - limits from £5,000 to £50,000 per person

Terms, exclusions and limitations apply. Please see policy wording for full details. 


We recognise the impact a claim can have on your client's business, and aim to get things back to normal as quickly as possible.

You can find out more about our claims process by visiting Our Claims Service page.

Quote and buy

You can quote and buy this product through Fast Trade.
Alternatively, for those clients who do not meet Fast Trade eligibility or have more complex needs, please contact your local trading office.

Visit Fast Trade

Alternative products

Shop and Salon

Cover for individual and multi-location shop and salon businesses, including internet-only retailers.

Office and Surgery

A packaged product offering 'All Risks' cover to single or multi-location offices and surgeries.

Commercial Combined

Up to 10 premises and a range of sums insured based on sector. Available through Fast Trade.

Cross-sell opportunities

Directors & Officers

Providing directors and officers with protection against claims, such as negligence, brought by other parties including shareholders, customers, suppliers and employees.

Contact your local trading office for more details.

Commercial Crime

Comprehensive protection against loss of money, stock, equipment or machinery following theft or fraud by employees.

Contact your local trading office for more details.

Group Personal Accident, Sickness & Business Travel

Helps your clients protect their businesses against the effects of staff absences and serious, accidental injuries.

Haven't found what you're looking for?

See our contact us page for a full directory.