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We work with UK insurers who understand contractor & consultancy risk
CONTRACTOR INSURANCE FOR UK LIMITED COMPANIES & FREELANCERS
Protect Your Contract, Your Company & Your Personal Reputation
Whether you’re an IT contractor, engineer, project manager or freelance consultant, clients increasingly expect you to carry your own insurance – often with specific limits set out in contracts, frameworks or agency terms.
Insure24 helps UK contractors arrange insurance that works in the real world – aligned with your contracts, day-rate and risk profile, with wording that sits comfortably alongside IR35 considerations and professional indemnity requirements.
Core Contractor Insurance Covers
Flexible packages for limited company contractors, freelancers and consultants working across the UK.
Professional & Liability Covers
- Professional Indemnity – covers claims for negligence, errors or omissions in your work or advice.
- Public Liability – injury or property damage caused to third parties while you’re working.
- Products Liability (where relevant) – for contractors supplying or modifying physical products.
- Employers’ Liability – required if you employ staff, or use certain labour-only subcontractors.
- Contractual Liability – cover aligned with key clauses in your client or agency contracts.
- Dishonesty / Fidelity extensions (where available) – employee or subcontractor dishonesty.
Business & Cyber Protection
- Office / Home Office Contents – laptops, equipment and documents.
- Portable Equipment – devices used on client sites or while travelling.
- Business Interruption (where relevant) – loss of income after insured damage.
- Cyber & Data Cover – email compromise, ransomware and data breach risks.
- Legal Expenses – contract disputes, HMRC investigations and employment issues.
- Directors’ & Officers’ (D&O) – personal liability for directors of limited companies.
Who Is Contractor Insurance For?
Designed for UK-based professionals working through a limited company, umbrella or as registered self-employed.
Professional Contractors & Consultants
- IT contractors – developers, analysts, architects, cyber specialists, project managers.
- Business & management consultants – strategy, operations, transformation, change.
- Engineering contractors – mechanical, electrical, civil, design and technical consultants.
- Interim managers and senior contractors – finance, HR, operations and board-level roles.
- Marketing, creative and digital freelancers working on a project or retainer basis.
Specialist & Niche Contractors
- Contractors working through agencies and managed service providers.
- Consultants working on government, NHS or local authority frameworks.
- Multi-person consultancies needing a small business package rather than individual PI.
- Contractors with overseas clients but UK base and bank account.
- Professionals subject to IR35 assessments and status determinations.
Key Risks for UK Contractors & Consultants
It only takes one mistake, missed deadline or contract dispute to put your company and income at risk.
Professional & Financial Risks
- Alleged errors in your work leading to financial loss for a client.
- Scope creep and misunderstandings around deliverables and milestones.
- Missed deadlines on critical projects or system go-lives.
- Intellectual property disputes over code, designs or written material.
- Disagreements over termination clauses, notice periods and handovers.
- Project overruns where blame or responsibility is contested.
Contractual, On-Site & IR35 Risks
- Contractual requirements for certain types or levels of insurance.
- Injury or property damage on client premises or at events you attend.
- Using subcontractors without understanding how they’re covered.
- Client or agency concerns around IR35 status and control/personal service.
- Cyber incidents arising from your laptop or remote access to client systems.
- Tax or HMRC investigations into your company and contract arrangements.
How Contractor Insurance Is Arranged
A quick, structured process focused on your contracts, day-rate and risk.
1. Understand Your Work & Contracts
- We discuss what you do, typical clients and project sizes.
- We review key contract and framework requirements (if you have them).
- We look at day-rate, turnover and whether you use subcontractors.
- We consider IR35 status and how work is controlled and delivered.
- We check any existing cover and identify gaps, duplication or issues.
2. Build a Cover Package Around You
- Professional indemnity limits aligned with contract expectations.
- Public liability limits suited to client sites and project value.
- Optional cyber, legal expenses, contents and D&O where relevant.
- Flexible limits for contractors working on multiple client sites.
- Clear, concise documentation you can send straight to your agency or client.
My agency needed specific PI and PL limits and detailed wording before they would release the contract. Insure24 explained the requirements, set up the policy quickly and provided the documents I needed to start on time.
IT Contractor, London
PROTECT YOUR CONTRACTS,
YOUR COMPANY & YOUR REPUTATION
WHY CONTRACTORS CHOOSE INSURE24
- Specialist focus on UK contractors and consultants.
- Experience with agency, MSP and framework contract requirements.
- Ability to explain your work to underwriters in the right technical language.
- Joined-up approach across PI, liability, cyber and legal expenses.
- Fast documentation you can share with clients and agencies.
FREQUENTLY ASKED QUESTIONS
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Do I really need Professional Indemnity as a contractor?
In most cases, yes. If you provide advice, design, configuration, project management or other specialist
services, clients may claim if they believe your work caused them a financial loss. Professional Indemnity
is usually mandatory in contract terms for UK contractors and consultants.
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What level of cover do I need?
This depends on your contracts, day-rate, type of work and potential impact of mistakes.
Common contractor PI limits range from £250,000 to £5m, with public liability often between £1m and £10m.
We’ll review your contracts and help you choose a level that makes sense.
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Is this insurance suitable for contractors working outside IR35?
Yes. Having your own business insurance can support the picture that you are “in business on your own account”,
although insurance alone does not determine IR35 status. We focus on aligning cover with how you work and how
your contracts are structured.
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Do I need Employers’ Liability if it’s just me?
If you are the sole director and only employee of your limited company with no other staff,
Employers’ Liability may not be legally required. However, some clients or agencies insist on it in their
standard terms. We will discuss your set-up and advise accordingly.
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Will my policy cover me on multiple client sites?
Yes, contractor policies are normally designed to cover your activities across multiple client locations
and home/office working, provided your work falls within the declared business description. We’ll confirm
this when setting up your policy.
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Can I increase my cover quickly if a new contract requires higher limits?
In many cases, yes. Limits can often be increased mid-term, subject to insurer agreement and any
additional premium. If you share tender or contract requirements with us early, we can build this into
your programme upfront.
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Does contractor insurance cover work done overseas?
Many policies can extend to cover work for overseas clients or occasional travel, but territorial limits
and jurisdiction clauses are important. We’ll discuss where your clients are based and where you work,
then place cover accordingly.
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What happens if I stop contracting – do I still need cover?
Professional Indemnity is usually written on a “claims made” basis, which means claims can be made
after you finish a contract. You may need run-off cover if you close your company or pause trading.
We’ll explain options before you make any changes.
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How much does Contractor Insurance cost in the UK?
Premiums vary depending on profession, turnover, limits and claims history. Many single-person IT and
consultancy contractors pay a relatively modest annual premium for core PI and PL cover – but higher-risk
work and higher limits will cost more. We’ll obtain quotes from insurers with an appetite for your sector.
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How do I get started with a Contractor Insurance quote?
Get in touch with Insure24 with a brief outline of your work, typical contracts, day-rate and turnover.
We’ll talk you through the information needed, review any existing cover and then provide tailored
Contractor Insurance quotes for your UK business.