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MANDATORY INSURANCE FOR CONTRACTORS
Insurance Required to Work as a Contractor
Most UK organisations require contractors to hold specific insurance policies before starting work. These protect against claims, contractual breaches, and liabilities arising from professional activities.
Essential Contractor Insurance Requirements
- Professional Indemnity (required by most contracts)
- Public Liability Insurance
- Employers’ Liability (if you subcontract or employ staff)
- Cyber Liability for IT & digital contractors
- Contractual liability required by agencies
- Business Equipment & Tools Cover
FREQUENTLY ASKED QUESTIONS
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What insurance is normally required in contractor agreements?
Most contracts require Professional Indemnity and Public Liability as a minimum.
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Is Employers’ Liability needed if I work alone?
No — unless you subcontract or employ anyone at any time.
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Do IT contractors need Cyber Insurance?
Many agencies and clients require it for anyone handling data, systems access, or digital risks.