Working outside IR35 means operating as a genuinely independent business. The right insurance helps demonstrate this, meet client onboarding requirements, and protect your limited company from costly claims and disputes.
Whether you work in IT, engineering, finance, digital, marketing or consultancy, our contractor insurance packages are designed to support your IR35 compliance and contractual obligations.
Clients and agencies often require certain insurance before confirming a contract. These covers demonstrate professionalism, independence and financial responsibility.
Insurance plays a vital role in showing you operate independently from your clients and demonstrates financial risk - key factors in an Outside IR35 determination.
Why do Outside IR35 contractors need insurance?
Which insurance is most important for contractors?
Does this help prove I’m working Outside IR35?
How much cover do contractors typically need?
Can you help review my current contractor policy?
Contracting work is hands-on, deadline-driven, and often carried out in busy environments where other trades, clients, and members of the public are nearby. Even when you do everything…
If you’ve ever gone after a “big” contract—public sector work, a blue-chip supplier agreement, a major construction package, or a multi-site service dea…
If you’re a contractor trying to win (and keep) work with large clients, onboarding can feel like a project in its own right. Bigger organisations typically have stricter procure…
If you’re a contractor in the UK, one of the first big decisions is how you’ll trade. For many, it comes down to two common routes: working through an u…
Contracting can be a smart way to increase earnings, gain flexibility, and work on varied projects. But in the UK, getting set up properly matters. From choosing the right tra…
Contractor insurance renewals can feel like a “tick-box” job—until the premium jumps, an insurer adds exclusions, or a claim reveals a gap you didn’t know you had…
If you’re a contractor, insurance isn’t just a “nice to have” — it’s often a contract requirement, a legal obligation, and a key part of protec…
If you’re a contractor, liability insurance is one of those “must-have” protections that can make the difference between a manageable claim a…
If you’re a contractor, you’re juggling a lot: tight deadlines, multiple sites, subcontractors, expensive tools, and clients who expect the job to be done right f…
If you’re a contractor, your insurance isn’t just a box-ticking exercise—it’s what stands between a routine job and a financially painful claim. The problem is…
Business consultants sell advice, strategy, planning, and implementation support. When a client relies on your r…
If you’re a marketing consultant, your “product” is your advice. Whether you’re running paid media, building a brand strategy, managing a product launch, or advising on…
If you’re a finance contractor—whether you’re a management accountant, financial controller, interim finance director, CFO consultant, FP&A specialist, or a p…
Civil engineers and technical consultants sit at the centre of high-value, high-risk projects. A single design assumption, calculation error, specification c…
Civil engineers and technical consultants operate in a high-stakes professional environment where a single design flaw, calculation error, or oversight can re…
Engineering contractors face unique risks that standard business insurance simply doesn't cover. From site accidents to equipment damage, professional liability claims to third-party injurie…
Winning a government or public sector contract is a significant milestone for any business. It represents stability, credibility, and the opportunity for substantial revenue g…
When you're ready to enter into a contract with a financial institution or lender, understanding the insurance requirements they'll demand is crucial. Banks don't lend money without protection, an…
Working as a contractor or production company in the BBC and broader media industry comes with significant responsibility and exposure to risk. Whether you're …
Working as a contractor for the NHS is a rewarding opportunity that comes with significant responsibility. Whether you're a healthcare professional, facilities manager, IT s…
In today's digital landscape, IT contractors are essential to business operations. From network management and system implementation to cybersecurity assessments and da…
If you're a UK contractor handling client data—whether you're an IT consultant, accountant, marketing specialist, or management consultant—GDPR (General Data Protection R…
Data breaches have become one of the most significant risks facing modern businesses. When sensitive information is compromised, the financial and reputational damage can be catastrophic. B…
In today's digital landscape, contractors face an increasingly complex web of cyber threats. From ransomware attacks targeting project management systems to data breaches exposing client info…
The financial technology sector has revolutionized how businesses handle payments, lending, investments, and financial management. However, this rapid innovation comes with significant regulatory …
The role of a DevOps engineer has become increasingly critical in today's technology-driven business landscape. As organizations rely more heavily on continuous integration, continuous deployment, and autom…
In today's interconnected business landscape, most organisations rely on contractors to handle critical operations—from IT support and maintenance to customer s…
Project management is a high-stakes profession. Whether you're overseeing construction developments, IT implementations, marketing campaigns, or infrastructure projects, the decisions yo…
Software development has become one of the most dynamic and lucrative sectors in the UK economy. Whether you're a freelance developer, part of a small agency, or running a larger development firm,…
Running an IT contracting business comes with unique risks—from client disputes over project delivery to data breaches affecting sensitive information. Whether you're a freelance deve…
Professional Indemnity Insurance (PI) is a critical safeguard for businesses that provide professional services or advice. However, many professionals operating under short-term or ro…
Professional Indemnity (PI) insurance protects contractors from costly claims arising from negligence, errors, or omissions in their work. Understanding real-world claims helps contractors recogn…
You've signed a contract with a client. You've reviewed the terms carefully, and nowhere does it mention Professional Indemnity Insurance. So do you really need it?
The short ans…
Professional Indemnity (PI) insurance has become essential for IT service providers, consultants, and technology firms operating in today's complex digital landscape. Whether you're managi…
Professional Indemnity Insurance (PII) is one of the most critical protections a contractor can have. Whether you're a plumber, electrician, builder, or specialist tradespers…
When you're running a contracting business, understanding your insurance costs is crucial for budgeting and maintaining profitability. Contractor insurance in the UK varie…
Running a contracting business means juggling multiple responsibilities—from project management and client relations to invoicing and compliance. With so much on your plate, it's easy to overlook critical…
Public liability insurance is often seen as the bare minimum for contractors. It's the policy that covers you when someone gets injured on your site or their property is damaged because of …
Running a contracting business in the UK requires more than just technical skills and a strong work ethic. One of the most critical aspects of protecting your business, your team, and your clients is h…
One of the most common questions business owners and contractors face is whether clients require insurance before starting work. The short answer is: it depends…
If you're a contractor or freelancer working in the UK, you've likely heard the term "IR35" thrown around. But what does it actually mean, and more importantly, how does your IR35 status im…
IR35, formally known as the Intermediaries Legislation, has fundamentally transformed how contractors and freelancers operate within the UK tax system. Since its introduction i…
Working outside IR35 offers contractors and freelancers greater flexibility and potential tax advantages, but it also comes with significant re…
My Account
