As a sole trader, the primary insurance policies you typically need include Public Liability Insurance to protect against third-party property damage or personal injury claims arising from your work. If you provide specialized consulting, design, or professional services, Professional Indemnity Insurance is crucial to cover claims of financial loss due to alleged negligence or mistakes. Additionally, if you operate a vehicle for work or hire any subcontractors or employees, you will need commercial vehicle and workers' compensation insurance respectively.
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