What should a freelance contract cover?

A freelance contract should set out who’s involved, what the work is and where it stops, and the delivery dates. It should cover fees, payment terms, and who owns and can use the work. It should also say what happens if the work changes or the agreement ends. The terms need to fit the project and the law that applies.

A useful contract answers the awkward questions before they become awkward. It doesn’t need to be hard to read to be useful.

Start with the project itself

Write down:

  • who the parties to the contract are

  • what you’ll deliver

  • the timetable

  • what the client needs to provide

Make the boundaries clear: how many revisions, what “finished” means and what’s outside the agreed scope.

Then cover:

Check any purchase-order requirements before you start.

Your process for changes can be simple. Describe the change that’s been asked for and its effect on price and timing, then get agreement before you do it. Keep that record with the original agreement.

Agree who owns and can use the work

Does paying an invoice automatically transfer every intellectual-property right? Don’t assume it does. For commissioned work, the creator is normally the first owner of the copyright, unless something else has been agreed in writing. There are exceptions. Depending on how the client plans to use the work, they may need a licence (permission to use it) or an assignment (a transfer of ownership). Intellectual Property Office: ownership of copyright.

Be clear about what happens to materials that already existed, assets from third parties, and using the work in your portfolio. That conversation is easier before the work is shared publicly.

Plan for problems too

Think about:

  • cancellation

  • delayed feedback

  • confidentiality

  • data protection

  • liability

  • insurance requirements

  • how a dispute would be handled

A liability cap, which limits how much you could have to pay if something goes wrong, or a cancellation clause copied from another website may not fit your circumstances. It may not be enforceable either.

Work for consumers, rather than businesses, comes with extra rules. These include requirements around fair terms and, in some situations, cancellation rights. Selling online or at a distance can bring further obligations. GOV.UK: consumer contract terms, distance selling.

Check the wider setup

If you hold personal information, use the small-business guidance and fee checker from the ICO, the UK’s data protection regulator. Not every sole trader has to pay a fee. But not having to pay the fee doesn’t remove your data-protection responsibilities. ICO: small organisations, fee checker.

Some activities need licences or particular safety measures. Check what applies to the work you actually do, rather than assuming that working alone makes you exempt. GOV.UK: licence finder, HSE: self-employed duties.

For a large or unfamiliar project, get a suitable professional to review the terms. The goal is an agreement both sides understand and can follow.

Sources
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Chest Group Limited (FCA Registration: 1045044) is an appointed representative of RiskSave Technologies Ltd, which is authorised and regulated by the Financial Conduct Authority under firm reference number 775330. This information can be verified on the Financial Services Register. Chest is a trading name of Chest Group Limited. Chest Group Limited is registered in England No. 15923634. Registered office, 124 City Road, London, United Kingdom, EC1V 2NX.

The pension
that fits your life.

T&Cs

Privacy Policy

Accessibility

© 2026, Chest Group Limited.

All rights reserved.

Chest Group Limited (FCA Registration: 1045044) is an appointed representative of RiskSave Technologies Ltd, which is authorised and regulated by the Financial Conduct Authority under firm reference number 775330. This information can be verified on the Financial Services Register. Chest is a trading name of Chest Group Limited. Chest Group Limited is registered in England No. 15923634. Registered office, 124 City Road, London, United Kingdom, EC1V 2NX.

The pension that fits your life.

© 2026, Chest Group Limited. All rights reserved.

Chest Group Limited (FCA Registration: 1045044) is an appointed representative of RiskSave Technologies Ltd, which is authorised and regulated by the Financial Conduct Authority under firm reference number 775330. This information can be verified on the Financial Services Register. Chest is a trading name of Chest Group Limited. Chest Group Limited is registered in England No. 15923634. Registered office, 124 City Road, London, United Kingdom, EC1V 2NX.