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PROFESSIONAL INDEMNITY FOR CONTRACTORS & CONSULTANTS
Protect your reputation, income and contracts
Professional Indemnity Insurance protects contractors from claims that your work, advice, or deliverables have caused a financial loss to a client. Essential for IT, engineering, consulting, marketing, finance, project management and technical contractors.
Why contractors need Professional Indemnity Insurance
Most UK clients now require PI insurance for onboarding, particularly for contractors working outside IR35. It protects against claims of professional negligence, incorrect deliverables, project delays, data errors and more.
- Required for outside IR35 contracts
- Often mandatory for onboarding through agencies
- Protects against financial loss claims
- Covers mistakes, errors, omissions & incorrect work
- Ensures compliance with client contract terms
- Vital for industries where advice affects operations
What Professional Indemnity Insurance covers
PI protects you when a client accuses you of causing financial loss through your work, advice, or services.
Core PI cover includes
- Professional negligence
- Mistakes, errors & omissions
- Project delays caused by your work
- Incorrect advice or deliverables
- Breach of professional duty
- Unintentional breach of contract
Optional extensions
- Cyber & data liability
- Intellectual property (IP) risks
- Mitigation of loss extensions
- Contract dispute protection
- Public & Employers Liability packages
Which contractors need PI Insurance?
Common professions
- IT contractors & software developers
- Business analysts
- Project managers & PMO consultants
- Marketing & digital consultants
- Engineering & technical contractors
- Finance, accounting & auditing contractors
When PI is mandatory
- Outside IR35 contract roles
- Agency onboarding requirements
- Framework or client tender requirements
- Where you advise, design or deliver technical work
- Where you access confidential or sensitive information
Insure24 helped me secure PI insurance required for an outside IR35 contract within 30 minutes. Clear, fast and reliable.
IT Contractor – FinTech SectorFREQUENTLY ASKED QUESTIONS
+>-Do outside IR35 contractors need PI insurance?
+>-What limit of indemnity do I need?
+>-What industries require PI?
+>-How quickly can I get covered?
Related Covers
This contractor PI guide works best when it also connects back into the wider business insurance journey around cost, comparison and deciding what cover structure your contracting business needs. Use these pages to move from contractor advice risk into the main commercial page.
Core Business Insurance Pages
Core Product Links
Related Commercial Paths
Related Covers
Professional indemnity is often the core policy clients ask contractors to hold, especially where advice, design or delivery decisions could trigger financial loss claims. These guides connect PI cover with adjacent liability, contract and role-specific pages.
Core Cover Pages
Role and Sector Context
Related Contractor Guides
These guides help connect PI exposure with contract requirements, quote speed, and the broader insurance structure contractors often need around advisory or technical work.
Contract and Risk Context
Pricing and Cover Structure
Linked Contractor Covers
Contractor insurance review points
Contractor insurance should line up with the contract wording, the work being performed, the legal entity, site rules, professional duties and the certificates clients expect before work starts.
For professional indemnity enquiries, the strongest quote presentation usually combines the immediate cover request with wider risk information, contract obligations and evidence of controls.
Contract checks
- Required liability limits, professional indemnity wording and any named-insured or principal clauses
- Whether the work is design, advice, project management, physical contracting or labour-only supply
- IR35, agency, public-sector, NHS, BBC, BT, utilities or large-client insurance conditions
Cover areas to compare
- Professional indemnity, public liability, employers' liability and cyber liability
- Tools, plant, contract works, temporary works, goods in transit and personal accident
- Working at height, bona fide subcontractors, labour-only subcontractors and on-site exposure
Quote evidence
- Contract excerpts, statement of work, turnover, fees, wage roll and subcontractor split
- Activities, qualifications, site type, claims history and required start date
- Certificate name, trading style, company number and any client-specific wording