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  • Limited Company
    • Contracting via a limited company – advantages and disadvantages
    • How to set up a limited company as a contractor – comprehensive guide
    • Limited or umbrella company – which is best for contractors?
  • Umbrella Company
    • How to compare umbrella companies: 20 things to consider
    • Contractor umbrella company fees – how much do they charge?
    • How can you find umbrella company reviews?
    • Umbrella Company Directory
    • Umbrella Company Calculator – calculate your net pay (2025/26)
  • IR35
    • IR35 and Off-Payroll explained – a simple beginner’s guide
    • When was IR35 introduced? Timeline from 1999 to 2023
    • Download free IR35 contract templates and example clauses
    • Guide to IR35 contract review services for IT contractors
  • Accounting
    • Contractor accountants – what to look out for
    • Do you have to appoint an accountant for your limited company?
    • Your company annual accounts – the basics, and filing deadlines
    • Top 10 Contractor Accountants (2025)
  • Tax
    • What is the most tax-efficient director’s salary in 2025/26?
    • Corporation tax – guide for limited company contractors
    • Limited company tax basics for contractors
    • What are limited company dividends and how are they taxed?
  • Expenses
  • Insurance
    • Business insurance – what’s mandatory?
    • Professional Indemnity
    • Public liability insurance
    • Employers’ liability insurance
    • Life Insurance
    • Income Protection
    • Private Medical Cover
    • Critical Illness Cover
  • Work
  • Finances
    • Contractor Pensions
    • What is a SIPP?
    • Contractor Mortgages
    • Business Banking

Contractor Insurance

You may need to take out some form of insurance cover as a condition of your contract or consider policies (for example tax protection) to provide peace of mind. Here, we examine the main types of policies available to contractors and how to secure the best deal.

Most Popular Guides

  • Relevant Life – tax-efficient life insurance, paid by your company. You can save up to 50% compared to paying the premiums personally.
  • Professional indemnity (PI) insurance: most clients insist you are covered. You can also get retroactive and run-off cover for full protection.
  • What business insurance do you need as a contractor? – Includes public liability, employers’ liability, tax investigation (IR35) and PI.
  • Employer’s liability insurance – protection in the case of injury to an employee. Most contractor companies are exempt.
  • Public liability insurance – for claims from members of the public for property damage or injuries caused by your business.
  • Private Medical Insurance – first-class treatment if you or members of your family fall ill and don’t want to endure NHS waiting lists.
  • Income Protection – provides income in case you are unable to work – a popular type of protection for professional contractors.
  • Critical Illness cover – pays out if you become seriously ill. This type of cover is often taken out alongside relevant life insurance (see above).

Public Liability Insurance

Public liability insurance explained: guide for IT contractors

6th January 2026
Overview of public liability insurance for IT contractors. What scenarios will it protect you from, is it a legal requirement? And how much does it cost?
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employers' liability insurance contractors

Do you need employers’ liability insurance as an IT contractor?

5th January 2026
An overview of employers liability insurance for contractors, what the legal requirements are, and how to get an EL insurance quote.
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Run off retroactive pi insurance

Professional Indemnity for IT contractors – retroactive and run-off cover

13th December 2025
PI providers can cover you for work done in the past (retroactive), and for claims made against you for the years after you retire (run-off).
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it contractor critical illness cover

Critical illness insurance for IT contractors – what does it cover?

2nd October 2025
Critical illness insurance is designed to cover you if you are diagnosed with a serious medical condition. Read our guide for contractors.
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IT contractor insurance

IT contractor business insurance – what’s mandatory and what clients ask for

22nd September 2025
There are some compelling reasons why most contractors should have adequate business insurance cover in place, even if it is not required by law.
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contractor professional indemnity

A guide to professional indemnity insurance for contractors

19th September 2025
Many clients now insist that contractors have adequate professional indemnity insurance cover in place. What is PI insurance?, and how to choose a policy.
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life insurance contractor

Relevant Life Insurance – tax efficient cover for limited company owners

15th April 2025
Protect your dependants with a relevant life policy—paid by your limited company for significant tax savings of up to 50%.
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Medical insurance for IT contractors

Private medical insurance for IT contractors

2nd April 2025
Contractors looking to cover themselves for specialist and hospital treatment costs may be interested in find out more about private medical insurance.
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income protection insurance contractor

Income Protection Insurance for IT contractors – in a nutshell

4th February 2024
Contractor income protection insurance provides monthly payments if you can't perform your contract dutie due to sickness or injury. How does IP work, and how much does it cost?
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IR35 insurance qdos

IR35 insurance – tax investigation cover for contractors

27th August 2022
IR35 insurance will cover the professional costs of any tax investigation, and even any tax and NI liabilities you owe following an HMRC enquiry.
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PI cover for limited company contractors
IR35 Insurance – Just £99/year + PI and business liability cover
ir35 insurance

The UK's leading contractor insurer.
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