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INSURANCE FOR CONTRACTORS WORKING ON GOVERNMENT CONTRACTS
Contract-Ready Cover for Public Sector Assignments
Government and public sector contracts often come with strict insurance conditions covering Professional Indemnity, Public Liability, Cyber, data protection and sometimes higher-than-average indemnity limits. Without the right cover in place, you may not pass onboarding, framework or procurement checks.
Government Contractor Insurance from Insure24 is designed for contractors and consultants working with central government departments, local authorities, the NHS, blue-light services, education and other public bodies – whether directly or via frameworks and agencies.
SPEAK TO A GOVERNMENT CONTRACTS SPECIALISTGET A QUOTE NOW
What Does Government Contractor Insurance Include?
Cover aligned with common public sector framework and contract requirements.
- Professional Indemnity (PI) – advice, design & consultancy risks
- Public Liability – injury or property damage at government premises
- Employers’ Liability – if you employ staff or associates
- Cyber Liability – data breaches & system compromise (often requested)
- Breach of Confidentiality & data protection cover
- Errors & Omissions linked to project delivery
- Optional Management Liability for directors and company officers
- Portable equipment cover for laptops & mobile devices
Common Risks for Government Contractors
Typical issues that can lead to claims, disputes or loss of contract.
- Failure of a project to deliver expected benefits or savings
- Errors in reports, models, specifications or implementation
- Breach of confidentiality or mishandling of sensitive data
- Failure to comply with contractual or framework requirements
- Alleged breach of statutory or regulatory duties in delivery
- Disputes over scope, deliverables, milestones and sign-off
- Higher indemnity limits demanded by contracting authorities
Why Government Contractors Choose Insure24
- Experience with central & local government contract requirements
- Policies designed to meet framework and procurement standards
- Suitable for outside IR35, inside IR35 and consultancy models
- Ability to structure cover around specific contract clauses
- Fast documentation for onboarding and due diligence checks
- Support reviewing insurance schedules in tender documents
How to Arrange Government Contractor Insurance
- 1. Tell us which public bodies or frameworks you work with
- 2. Share your role, specialism and typical day rate/turnover
- 3. Provide any contract or tender insurance requirements
- 4. We approach specialist PI, liability and cyber insurers
- 5. You choose limits and options that match contract demands
- 6. Documents issued promptly for onboarding and compliance
SUITABLE FOR A WIDE RANGE OF ROLES
- Management & strategy consultants
- IT & digital transformation contractors
- Project & programme managers
- Finance & risk contractors
- Policy, research & analysis specialists
- Interim managers and specialist advisors
FREQUENTLY ASKED QUESTIONS
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Do government contracts normally require Professional Indemnity insurance?
Yes. Most public sector contracts specify minimum PI limits and sometimes require evidence of cover before you can start work.
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What PI limit do I need for government work?
Limits vary by authority and contract, but £1m–£5m is common. We can review the contract schedule and advise on suitability.
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Is Cyber Insurance required for government contractors?
Increasingly yes, especially where you handle personal data or connect to government systems. Some frameworks also specify Cyber Essentials.
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Is this cover suitable for outside IR35 contractors?
Yes. Policies are suitable for limited company contractors and consultancy models working outside IR35, as well as some inside IR35 assignments.
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How quickly can Government Contractor Insurance be arranged?
In many cases, cover can be arranged the same day, particularly where you have tender or contract documents available for review.