About Roots

Specialists in IR35 & Contractor Insurance

A History of Compliance

Established in 2020, Roots Contractor Insurance is a provider of specialist contractor business insurances and IR35 status products.

Our team have decades of experience at some of the marketplace’s biggest names, including being on the board at Qdos, having setup Larsen Howie and then sold and integrated into Kingsbridge.

As a team our board and senior management have been providing business insurances to contractors for over a decade, as well as reviewing thousands of contracts and working practices in relation to IR35 status.

We’ve now comes together to once more offer the UK’s contracting workforce the products they need to meet their contractual requirements, to guide them in relation to their IR35 status, and offer an unparalleled level of customer service.

Why Roots?


Instant Quote Facility

Our 24/7/365 self-service system allows you to quote, buy and get policy documents in a matter of minutes


Immediate coverage and policy documents

No waiting around. As soon as you have paid your policy documents gets issued to your online account immediately


Industry & IR35 experts

We’ve been around the contractor and IR35 marketplace for over a decade, working at the biggest names in the industry


Coverage for a wide range of professions

Over 1,000 different professions can quote and buy policies via our website in a matter of minutes


A comprehensive range of tailored products

All of our products are specifically designed to the exact requirements of contractors


Ability to provide cover for previous work

Ensure peace of mind by taking up retroactive cover on Professional Indemnity policies


Speedy renewal process

Our renewal process is quick and easy to use so that you remain on cover or update your requirements


No admin fee to update basic details

Need to update your address or make a change? We don’t charge you for amending your basic details


A highly experienced in-house based team

All of our team work from our Loughborough office and are experienced experts in insurance and IR35


peace of mind with roots

We pride ourselves on being able to offer our customers exactly what they need to protect their business, providing peace of mind at a competitive price while delivering on our promises with an unparalleled level of personal customer service.

With our background in the marketplace, we focus on research in order to provide an ever-evolving range of product, industry news, analysis, and guidance as it happens. However, our main goal is to protect contractors from the pitfalls of being uninsured and incorrectly understanding their IR35 status – Roots products allow you to keep on doing what you love and with peace of mind should the worst happen.

Not only do we offer business insurances and IR35 status advice, but we also offer specialist contractor and freelancer mortgages via our sister company, Roots Contractor Mortgages. Our mortgages are designed with contractors specifically in mind and are based on the day rate earning style of a contractor.