Blog
4 June 2026
The coverage gaps freelancers in Sweden miss
No employer means no safety net by default. Here’s what the self-employed forget to insure.
When you’re employed, a lot is quietly handled for you. The day you go solo, those safety nets disappear - and most people don’t notice until something goes wrong.
Three gaps to check today
- Liability (ansvarsförsäkring) for the work you deliver to clients.
- Income protection through the karens days you now carry alone.
- Your equipment - and the pension no employer is building for you.
PolisOne maps your personal and business cover together and flags exactly which of these you’re missing, so you can fix it before it costs you.