Contractor insurance from trusted and award-winning contractor insurance brokers. After a thorough research and based on our experience, we have compiled our list of top contractor insurance brokers in the UK. Best business insurance quotes from trusted providers. A business insurance that covers everything from professional indemnity to public liability. Affordable premiums and 24/7 claims support.
Our insurance brokers offer best contractor insurances at competitive rates in the industry. They offer all the essential business insurances like professional indemnity, public liability, IR35 insurance, employers' liability, Directors' and officers' liability and even international insurances.
Contractor insurance is a specialised form of coverage designed to protect independent contractors and self-employed professionals against various risks associated with their work. It typically includes policies such as public liability insurance, which safeguards against claims of property damage or injury caused to third parties, and professional indemnity insurance, which covers claims arising from errors, omissions, or negligence in professional services. Some contractors may also require tools and equipment insurance or employer's liability insurance if they hire workers. This type of insurance is essential for ensuring financial security and compliance with client or legal requirements.
Professional Indemnity Insurance protects contractors from legal and financial consequences if a client claims their work caused them financial loss due to errors, negligence, or bad advice. It covers legal fees, compensation, and settlements, helping to safeguard your reputation and business.
Public Liability Insurance protects your business if someone is injured or their property is damaged due to your work. Whether you’re on-site, meeting clients, or working in public spaces, this insurance can cover legal costs and compensation claims.
Personal Accident Insurance is designed to provide financial support if you suffer a bodily injury due to an accident. Whether it’s a serious injury or even death, this insurance ensures you’re not left financially vulnerable.
Income Protection Insurance is a safety net for self-employed contractors, ensuring you’re not left out of pocket if illness, injury, or disease prevents you from working. It provides a monthly benefit of your choosing for up to 12 months, so you can keep up with your bills and living costs while you recover.
| Insurance Type | Rates Starting From | Get a Quote / Buy |
|---|---|---|
| Professional Indemnity | £162 Per Year | Buy Insurance |
| Public Liability | £55 Per Year | Buy Insurance |
| Contractors' All Risk Insurance | £112 Per Year | Buy Insurance |
| Legal Protection Insurance | £70.50 per year | Buy Insurance |
| Personal Accident Insurance | £56.25 per year | Buy Insurance |
| Income Protection Insurance | £315.72 per year | Buy Insurance |
| Contract Health Check | £84.00+ VAT | Get a Quote |
| Tax Liability Cover (TLC35) | £199.00 per year | Get a Quote |
| IR35 Contract Assessment | £49.00+ VAT | Get a Quote |
| Full IR35 Contract Review | Only £125.00+ VAT | Get a Quote |
Important Note: The insurance quotes listed above are based on rates for IT Contractors. Please note that premiums may vary over time. For the most accurate and up-to-date quotes, we recommend visiting the insurance broker’s website directly.
| Insurance Broker | Expertise |
|---|---|
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Named 'Best Insurance Provider or Broker' at the 2023 Contracting Awards Named 'Best Legal, Compliance or Tax Advisor' at the 2023 Contracting Awards Qdos is an industry-leading authority on IR35 compliance, employment status, and business insurance Designed and pioneered IR35 insurance, introducing Tax Liability Cover to the market in 2000, providing 25,000+ contractors with protection Qdos has successfully defended over 1,600 IR35 cases, and saving £35m in tax on behalf of UK contractors Visit Qdos Insurance Website |
Selecting the right insurance provider is essential for UK contractors to ensure they have the proper coverage to protect their business. The providers listed above are known for their reliable service, comprehensive policies, and competitive pricing. When choosing an insurance provider, consider your specific needs, compare quotes, and look for insurers with a strong reputation for customer service and claims handling.
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