It's not a legal requirement, but many clients, councils, and venues will insist on it before hiring you. It’s also essential protection if you work with the public in any way.

It covers legal fees and compensation if someone is injured or their property is damaged because of your business activities—whether that’s on-site, in a client’s home, or at your premises.

It doesn’t cover damage to your own tools or equipment, employee injuries (you’ll need Employers’ Liability for that), or professional advice that leads to damage—that’s covered by Professional Indemnity.

That depends on your work. Most businesses start with £1m to £5m. Some contracts (like working for councils or public venues) may require higher limits.

Yes. You’re covered whether you work from home, travel to client locations, or operate from commercial premises.