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INSURANCE FOR IR35 CONTRACTORS
IR35 and Insurance Requirements
Contractors working inside or outside IR35 are expected to hold core business insurance policies. These protect against claims, meet contractual obligations, and support IR35 compliance.
Insurance Requirements for IR35 Contractors
- Professional Indemnity (mandatory for most contracts)
- Public Liability (required by agencies and clients)
- Employers’ Liability (if subcontracting or employing staff)
- Tax Liability Insurance (IR35 tax investigation cover)
- Cyber Liability for IT & digital contractors
- Tools, Equipment & Business Contents
FREQUENTLY ASKED QUESTIONS
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Do IR35 contractors need Professional Indemnity?
Yes. PI is required for nearly all professional contractor roles and is a core indicator of operating as a genuine business.
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Is tax liability insurance needed for IR35?
Tax liability policies provide legal and financial support if HMRC challenges your IR35 status or raises a tax investigation.
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Do agencies require Public Liability?
Yes. Most recruitment agencies require PL before they will place a contractor with a client.
Related Covers
IR35 contract wording and insurance requirements often overlap when clients assess status, indemnity levels and onboarding risk. These guides help contractors move between IR35 guidance, contract-requirement pages and the core cover types they may need.