rewardsme business insurance was born to give the freelancer, the contractor and the business owner, the best business insurance and truly reward them for loyalty.

We do this by building in discounts to our professional indemnity policies – and the longer you stay with us, the better the premium gets (up to a maximum of 5 years’ discount on our professional indemnity policy)

But we don’t stop there. With cash back and extra perks, our business insurance gives you more even if you never use it.

We’re industry veterans who have been in the financial services space for many years. We’re part of Kingsbridge Risk Solutions Limited, which is owned by NSM Insurance Group, one the world’s leading specialty insurance providers.

We’re trying to make business insurance fun when it’s known to be anything but…. but we’re not messing about when it comes to protecting you and your business.

That’s because we’re made up with people like you. We’ve been self-employed and know what it’s like to be your own boss. With decades of experience in the contractor insurance space, we also know what sole traders, freelancers and contractors need.

All of our insurance products are underwritten by FUL who are A-rated – so if you need to make a claim, you’re in safe hands. We’re FCA regulated – our name, address and status can be checked on the FCA’s website at www.fca.org.uk/register or by phoning 0800 111 6768.

You can contact us by using our live chat service or choosing an option from our contact page.

Public liability cover is essential to protect your business against injury and property damage claims from members of the public. It covers bodily injury or property damage to a third party, compensation payments, repair costs, professional fees and medical fees.

Public liability isn’t a legal requirement, but if you need to be part of a supervisory body or trade organisation, it may be a condition of membership. Additionally, you could need a policy to qualify for a contract from a client or recruiter.

This really depends on how exposed you are to the risks of a claim, from third parties or members of the public.

You should spend time considering the appropriate level of public liability coverage necessary for your business.

No. Public liability isn’t a legal requirement, but if you need to be part of a supervisory body or trade organisation, it may be a condition of membership. Additionally, you could need a policy to qualify for a contract.

Yes, there are standard exclusions like contractual liability, pollution, professional services, aircraft, vehicles, war, nuclear, asbestos and prior known claims may be excluded.