Contractor Insurance
Tailored to You.

Market leading business insurance from contractor and IR35 legislation specialists, Roots Contractor Insurance.

Specialist Contractor Insurance

Established in 2020, Roots Contractor Insurance is part of the Vestura Group and is a provider of specialist contractor insurance and IR35 status products. Our team have decades of board and senior management level experience at some of the marketplace’s biggest names, and have vast experience in dealing with contractor insurance, IR35 insurances and IR35 contract reviews for contractors, including having personally reviewed thousands of contracts.

Roots

Our Most Popular Contractor Insurances

Ensuring Peace Of Mind And Compliance

professional indemnity insurance

 Professional Indemnity Insurance

Our Professional Indemnity insurance policy has been specifically designed to meet the needs of contractors. Quote & buy online in minutes and receive instant policy documentation.

public liability insurance

Public Liability
Insurance

Our Public Liability Insurance policy covers you for legal representation and damages arising from claims made against your company by third parties and members of the general public.

IR35

Contractor IR35 Protect 
Insurance

Our IR35 Insurance provides £100,000 of legal representation cover & £100,000 of IR35 tax liabilities cover – and is based on our vast experience working in IR35 for more than two decades.

Complete Assurance

CONTRACTORS COVERED

%

COMPLETE COVER

CONTRACTS REVIEWED

Roots

Supporting Contractors For Over A Decade

What Makes Us Stand Out From The Crowd?

contractor insurance

Contractor Insurance

If the worst happens we want to make sure you are protected.  Every business, no matter how small, needs to protect itself from a range of varying risks and threats in the modern world, meet contractual requirements, and to enjoy the peace of mind being insured brings.

IR35

IR35 Contract Reviews

Our range of IR35 products and services has been developed by our in-house team of experts over the past decade and used by thousands of contractors. We’ve personally reviewed thousands of contracts from an IR35 perspective, and also offer IR35 insurance.

IR35

IR35 Industry Expertise

Our insurance and IR35 offerings are backed up by outstanding customer service and a market leading 24/7/365 self-service quote and buy website. As a team our board and senior management have been providing business insurances to contractors for over a decade.

Roots

Experience & Expertise as Standard

We’re experts in contractor insurance and you can be assured you are in safe hands as we’re an approved Coverholder at Lloyds – meaning we’ve sourced products from specialist A rated UK insurers who also understand and have extensive experience in the contractor marketplace.

contractor insurance

Contractor News

What Is An ERN?

What Is An ERN?

What is an Employer Reference Number (ERN)? Employer Reference Numbers, or ERNs, are usually associated with having employees, but you could need it even if you’re a contractor, freelancer or sole trader. Read on to find out what an ERN is, where you can find it in...

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HMRC’s IR35 Small Business Exemption Explained

HMRC’s IR35 Small Business Exemption Explained

 HMRC's IR35 Small Business Exemption Explained Under the off payroll working IR35 legislation, which was introduced in April 2021 to the private sector, there is an exemption for ‘small company’ clients. If a business qualifies for the small company exemption, it is...

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What Is Public Liability Insurance?

What Is Public Liability Insurance?

What Is Public Liability Insurance? Navigating the complexities of insurance can be daunting for limited company contractors, especially when it comes to safeguarding your business against unforeseen risks. Public liability insurance stands as a crucial pillar for...

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Simplifying IR35 Compliance

Simplifying IR35 Compliance

Introducing The Contractor Compliane Portal We’re delighted to announce our partnership with the Contractor Compliance Portal, a game-changing solution designed to simplify IR35 compliance for businesses and contractors alike. Streamlining IR35 compliance IR35...

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IR35 Update – 2024 in Review

IR35 Update – 2024 in Review

IR35 2024 Update Let's explore a few things that are on our IR35 radar for this year, delving into the increased resources at HMRC and considering the potential impact of a change in government on IR35 enforcement. More IR35 Support There's a noticeable uptick in...

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Does public liability insurance cover contractors?

Does public liability insurance cover contractors?

Public liability insurance is a type of insurance that covers contractors for potential claims made against them for third-party injury or property damage. It provides financial protection in case of a lawsuit or claim made against a contractor. It is a legal requirement in many countries, including Australia, and is important for contractors to have in order to protect both their business and their personal assets.

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