Skip to content
Contract Eye Contract Eye

News and resources for IT Contractors

  • 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?
    • Choose a limited company name — and what to do If you change your mind
  • 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
    • Life Insurance
    • Income Protection
    • Private Medical Cover
    • Critical Illness Cover
  • Work
  • Finances
    • Contractor Pensions
    • What is a SIPP?
    • Contractor Mortgages
    • Business Banking
umbrella company uk for contractors

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 for by your limited company. You can save up to 50% compared to paying the premiums personally.
  • Professional indemnity (PI) insurance – many clients insist that you are covered as a contractual condition. 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.
  • 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 in conjunction with relevant life insurance (see above).

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.
Read More
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.
Read More
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%.
Read More
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.
Read More
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?
Read More
it contractor critical illness cover

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

18th September 2023
Critical illness insurance is designed to cover you if you are diagnosed with a serious medical condition. Read our guide for contractors.
Read More
Search Our Site
PI cover for limited company contractors
IR35 Insurance – Just £99/year + PI and business liability cover
ir35 insurance

The UK's leading contractor insurer.
Find out More

Latest updates from Contract Eye
  • Company entertainment expenses – plus the £150 annual event exemption
  • IT contractor business insurance – what’s mandatory and what clients ask for
  • A guide to professional indemnity insurance for contractors
  • IR35 and the Off-Payroll rules – a beginner’s guide
  • How to set up a limited company as a contractor – comprehensive guide
All content © Contract Eye Limited 2006-25 | All Rights Reserved
About Us | Terms of Use & Privacy Policy
Follow us on: Twitter/X | LinkedIn
Scroll to Top