Can I claim public liability insurance?
Business insurance is claimable: public liability, professional indemnity, tools cover, employer's liability.
Insurance bought for the business is an allowable expense. Public liability sits with rent, rates, power and insurance costs on the return. Professional indemnity has its own home alongside accountancy and legal fees. Cover for tools and business contents counts too.
The one to watch is vehicle insurance. It's a running cost, so it's claimable only on the actual-costs route: claim the 55p-a-mile flat rate and van or car insurance is already inside that number, along with fuel, repairs and servicing. A policy that protects you personally, like life insurance, is a personal cost; the claimable ones protect the business.
Quick answers
Professional indemnity?
Yes, claimable. It goes with accountancy, legal and other professional fees on the return.
Van insurance?
Only on the actual-costs route. On the mileage flat rate it is replaced by the per-mile figure, along with the other running costs.
Every claim, caught automatically
Snap the receipt and SoleTax files it under the right HMRC category, flags what isn't claimable, and keeps the tax number running. 14 days free, no card needed.
Join the betaSources: HMRC's SA103F Notes 2026 (Boxes 20, 21 and 28). Checked on 8 July 2026.