BUSINESS INSURANCE
What is business insurance? As a contractor it ensures you and your business are protected if something goes wrong. Get instant cover online.
What is business insurance?
You put an enormous amount of effort into making your business a success, and 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, and to enjoy the peace of mind being insured brings. With over a decade of experience in the contractor marketplace and though using our vast connections in the UK insurance industry we are able to offer a market leading range of business and IR35 insurances that have been specifically tailored for the exact requirements of contractors and freelancers, ensuring total peace of mind against the most common risks faced on a day to day basis and at the most competitive prices. All our business insurances can be quoted and then purchased via our website within minutes. Alternatively, our highly experienced and friendly in-house staff are able to listen to your requirements and advise you on the most appropriate products and levels of cover. We are here to support and help you.
Business & Contractor Insurance Policies
Professional Indemnity Insurance
Professional Indemnity insurance is a fundamental insurance for contractors, covering claims arising from errors and omissions in providing your services. It is almost always a contractual requirement for it to be in place, often with a minimum cover level of £1m.
Public Liability Insurance
Public Liability (PL) Insurance is one of the main insurances required by contractors and covers the legal costs and compensation of a claim made by a client or a member of the public that has suffered injury or property damage as a result of work you’ve done or an accident you have caused.
Employers Liability Insurance
Employers Liability (EL) Insurance provides cover for legal representation and compensation arising from claims made against your company in respect of bodily injury or damage to property suffered by employees. It can only be bought as an optional add-on to a Public Liability policy.
Contractor Legal Protection
Every business needs to ensure that they are protected against the risk of having to defend or pursue a legal dispute with third parties, especially with ever-increasing legal fees for doing so. This policy affords you peace of mind that those legal fees are covered for a range of common disputes.
IR35 Insurance
Our IR35 Insurance protects you from the potentially devastating effects of an IR35 investigation carried out by HMRC. It provides cover for the professional representation fees incurred in defending the enquiry – something that can be costly and take years to bring to a conclusion.
Contractor Relevant Life Cover
Contractor Relevant Life Cover (RLP) is a form of life insurance or death in service benefit. It is setup in a trust in the name of and paid for by the company, making it a tax efficient way of ensuring loved ones receive a financial lump sum should the worst happen.