Contractor insurance

Flexible monthly cover for UK-based contractors.

Contractor insurance quote

per month

What insurance do contractors need?

As a contractor, you'll want to consider a combination of covers including professional indemnity insurance and public liability insurance.

Additional covers such as business contents insurance, legal protection insurance and cyber insurance may also be relevant, depending on the equipment you use and the work that you do.

  • Pay by the month
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Adapt or cancel your cover at any time. No penalties.

Insurance for contractors

Professional indemnity insurance

Clients pay for your knowledge and expertise, but what if you make a mistake? If your misplaced advice causes a client to lose money, you could face a lawsuit, with legal costs and compensation to pay. If that happens, professional indemnity insurance may offer protection. Plus, clients may insist you have it.

Public liability insurance

Our public liability insurance for contractors will protect you if you cause injury or property damage to a third party, either at your home office, co-working space, at a client's office, or when out and about. It's also worth bearing in mind that some of your clients, or even suppliers, might ask you to have public liability cover, so make sure your minimum cover limit meets their requirements as well as your own.

Business contents insurance

Whatever kit you rely on, having it lost, stolen or damaged could leave you with large unexpected costs. Contents insurance and equipment cover, gives you peace of mind that if this does happen, you'll be able to replace your gear and be back up and running in no time.

Cyber insurance

If your work involves handling large amounts of client data, then you could be at risk of a cyber-attack or data breach. Cyber insurance offers protection and expert support in the event of a breach of data protection laws (where insurable by law) and your liability for handling data, as well as cover for extortion, system rectification costs, plus PR expenses and financial loss due to system downtime.

Legal protection insurance

Unlike large companies with in-house legal teams, self-employed professionals don't have the convenience of specialist legal support. Legal protection insurance gives you access to specialist commercial legal support, a lifeline if you ever face a legal dispute or have questions about tax issues, such as IR35.

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Contractor insurance FAQs

What insurance do you need as a contractor?

As a contractor, you'll want to think about a combination of covers, including:

Other covers that may also be relevant to contractors, depending on the work that you do, are:

How much is contractors insurance?

The cost of business insurance for contractors will vary depending on the level of cover you need, plus a number of other factors. For example, the industry you work in and where you're working.

Do contractors need professional indemnity insurance?

Even though professional indemnity insurance isn’t a legal requirement for contractors, clients will often require you to have it. Furthermore, the potential cost of a claim against you could be devastating, so you may decide that it's therefore worth having for this reason alone.

Do contractors need public liability insurance?

Although public liability insurance isn’t a legal requirement for contractors, it’s a popular choice for a two key reasons: 1. Incidents leading to accidental injury and property damage cannot be predicted and can result in costly claims against you. 2. Some clients may expect you to have it.

Customise your cover

To simplify things, we've categorised our covers into three groups: essential covers, professional covers, and management covers. You'll be guided through these different options during the quotation process.

Essential covers

per month

Essential for all businesses needing protection against bodily injury and lost or damaged property.

Professional covers

per month

Protect against risks associated with the professional services you provide and the way you market your business.

Management cover

per month

Protect your management and shareholders against the operational risks associated with running a company.

Boost your cover from £10.08 per month

Legal protection insurance

Covers compensation awards, professional fees and legal costs associated with a range of legal disputes.

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Authorised by the FCA

The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at or by calling the FCA on 0845 606 1234.