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PROJECT MANAGER CONTRACTOR INSURANCE FOR UK PROFESSIONALS
Insurance Built Around Real-World Delivery, Governance & Stakeholder Risk
As a Project Manager contractor, you sit at the centre of project delivery — coordinating teams, milestones, dependencies, suppliers, budgets and governance. When things go wrong, clients often look first to the PM.
Insure24 provides specialist contractor insurance that protects you from claims, errors, delays, scope disputes and contractual liability — with policies recognised by UK agencies, MSPs and direct clients.
Core Insurance Covers for Project Manager Contractors
Tailored for project delivery roles in IT, change, transformation and operations.
Professional & Liability Protection
- Professional Indemnity – protects against claims alleging errors in project planning, delivery or documentation.
- Public Liability – covers injury or property damage caused while working on client premises.
- Contractual Liability – cover aligned with common PM contract clauses and MSAs.
- Employers’ Liability – required if you employ staff or subcontract delivery elements.
- Products Liability (if applicable) – relevant for PMs overseeing system or hardware deployments.
- Professional misuse of data, documents or intellectual property.
Business, Equipment & Cyber Cover
- Office / Home Office contents (laptops, monitors, devices, documents).
- Portable equipment – cover for devices used on client premises or while travelling.
- Cyber & Data Insurance – ransomware, phishing, data breach incidents.
- Legal Expenses – contract disputes, HMRC or IR35 investigations.
- Directors’ & Officers’ (D&O) – personal liability for company directors.
- Income protection add-ons for long-term contractor security.
Project Manager Roles Covered
Contractors working through limited companies, umbrellas, MSPs or direct engagements.
Typical PM Disciplines
- IT Project Managers – software delivery, infrastructure, cloud, cyber.
- Business Change PMs – transformation, operations, continuous improvement.
- Digital PMs – website, UX, ecommerce and online product builds.
- Technical PMs – engineering, system deployment, hardware roll-outs.
- PMO-aligned or programme-level managers.
- Interim project roles delivering fast-paced outcomes.
Higher-Risk or Specialist PM Areas
- Large-scale transformation & digital change programmes.
- High-stakes delivery (e.g., payments, finance, compliance systems).
- Multi-supplier or multi-vendor coordination roles.
- Regulated sectors – NHS, finance, government, utilities.
- Projects with strong governance, audit & reporting requirements.
- Roles with penalty, delay or deliverable-based contract terms.
Key Risks for Project Manager Contractors
Even experienced PMs face exposure when working through their own company.
Delivery & Documentation Risks
- Missed milestones or delays affecting client operations.
- Incorrect scoping or requirements gathering.
- Errors in RAID logs, project plans or dependency mapping.
- Poor stakeholder communication leading to disputes.
- Change control or approvals not documented correctly.
- Failure to manage or escalate project risks effectively.
Contractual, Financial & IR35 Risks
- Contract terms requiring specific PI / PL limits.
- Dependency on subcontractors or specialist input.
- Budget overruns or disputes around deliverables.
- Claims linked to software or system implementation issues.
- IR35 considerations around control, substitution & integration.
- On-site risks when attending client offices or supplier meetings.
As a PM, clients expect delivery certainty. Having the right PI & liability cover in place gives both sides confidence — and makes agency onboarding much smoother.
IT Project Manager, Manchester
PROTECT YOUR PROJECTS,
YOUR LIMITED COMPANY & YOUR PROFESSIONAL REPUTATION
WHY PROJECT MANAGERS CHOOSE INSURE24
- Specialist contractor policies for PMs across all industries.
- Knowledge of agency/MSP onboarding requirements.
- Clear, jargon-free documentation for clients.
- IR35-aware cover structuring.
- Fast turnaround for contract-start deadlines.
FREQUENTLY ASKED QUESTIONS
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Why do Project Managers need Professional Indemnity?
PMs are often held responsible for planning, documentation, delivery, milestones and communication.
If a project overruns, a dependency is missed or documents are inaccurate, clients can pursue claims for
financial loss. PI protects your limited company and reputation.
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What level of cover do PM contractors usually need?
Most project manager contracts specify PI limits between £500k and £5m depending on industry, project size
and governance requirements. Public liability is often between £1m and £10m. We match cover to your actual
contract terms.
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Will this policy support IR35 status?
Insurance alone does not determine IR35, but having your own PI, PL and business cover helps present the
image of operating as an independent business — consistent with an outside IR35 position.
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Does this cover project delays or overruns?
PI may respond where a delay or overrun is caused by an alleged error in your work or documentation.
Contractual penalties and liquidated damages are more complex – we will review your contract and advise.
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Does this cover work with multiple clients?
Yes. Contractor policies are designed for PMs who rotate between clients, with cover applying across UK
client sites and remote work environments.
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Can I increase my limits for a new project or tender?
Yes. We can arrange mid-term increases quickly if a new project or client requires higher PI/PL levels.
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What if I stop contracting?
Because PI is claims-made, you may need run-off cover if you take a break or shut down your company.
We’ll help you structure this correctly.
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How much does Project Manager Contractor Insurance cost?
Costs vary depending on project size, industry, contract terms and limits.
Many PM contractors pay modest premiums unless working on high-risk or highly regulated programmes.
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Will this policy cover me working on-site or remotely?
Yes. Cover applies to UK client sites, supplier meetings and remote/home-based work.
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How do I get a quote?
Call Insure24 or submit a quick online application.
We’ll review your work, contracts and any existing cover, then arrange tailored contractor insurance quotes.