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Contractors insurance

As a contractor you are exposed to a variety of risks which means there are a number of benefits to having insurance in place to cover you should the worst happen.

Call us today:
0345 894 4684

The majority of recruitment agencies and end clients now require you to hold insurance as part of your contract and although the likelihood of claims may seem slim, it is still a good idea to have insurance for peace of mind. What's more, if you operate outside of IR35, holding insurance is a key indicator of being in business on your own account.

We know that arranging the right cover can often be a complex and time consuming task so to simplify things we have developed a comprehensive online solution specifically for contractors.

The site is easy to use and allows you to purchase the insurances you may require, which means you get one quote and one policy to cover your main exposures and help meet your contractual obligations. 

To find out more about the insurance available please click the links below:

Professional indemnity insurance

Professional indemnity insurance provides cover for the legal costs and expenses in defending a claim, as well as compensation payable to your client if you are found to be responsible for providing inadequate advice, services or designs.

Public & products liability

Cover for your legal liability to pay compensation to a third party, including legal costs and expenses, for any accidental bodily injury or physical loss or damage to property in the course of your professional services, including liability arising out of your products or caused by accidental pollution.

Legal expenses and IR35 contract review

Legal expenses insurance provides cover for the potential costs of legal action brought by or against you.

The IR35 contract review service

If you choose to buy legal expenses insurance you then have the option to purchase an IR35 review service, choosing between a one-off or unlimited contract review.

Our IR35 contract review service is provided by specialist firm Bauer & Cottrell who offer a comprehensive support service to contractors; providing help and advice or full representation in the event of an HMRC IR35 investigation into your status.

As part of the IR35 contract review service Bauer & Cottrell will:

  • Review your contract including all associated documents and your working practices.
  • Discuss and negotiate appropriate changes on your behalf directly with your agency/end client.
  • Give you a pass or fail IR35 opinion in writing.


Cover for loss or damage to portable equipment and belongings used in connection with your business at or away from your place of work including computers, mobile phones and electronic equipment. 

Employers' liability

Employers' liability insurance provides cover for compensation, including legal costs and expenses, if an employee suffers bodily injury, illness or disease because of the work they do for you.

Purchasing employers' liability insurance is a legal requirement as soon as you become an employer. 

Personal accident

Personal accident insurance provides a lump sum payment if you have a serious accident or injury, or if you suffer a fatal accident.

Call us today:

0345 894 4684

Monday to Friday 9am - 5pm

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