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Contractor Insurances: 5 Essential Covers for 2026

Contractor Insurances: 5 Essential Covers for 2026

by Pete Willcocks | Aug 25, 2026 | Insurance, IR35

5 Essential Insurance and IR35 Products UK Contractors Should Consider in 2026   Running your own limited company gives you independence, flexibility and control over your contracting career. But operating as a business also means taking responsibility for risks...
HMRC’s Proposed Recklessness Tax Offence & IR35

HMRC’s Proposed Recklessness Tax Offence & IR35

by Pete Willcocks | Aug 18, 2026 | Insurance, IR35

Could HMRC’s New ‘Recklessness’ Tax Offence Affect Contractors and IR35? For UK contractors, IR35 compliance has always been about more than simply deciding whether an engagement sits inside or outside IR35. It is also about being able to demonstrate how that...
Why Every Contractor Should Take Professional Indemnity Insurance Seriously

Why Every Contractor Should Take Professional Indemnity Insurance Seriously

by Pete Willcocks | Aug 14, 2026 | Insurance

Why Every Contractor Should Take Professional Indemnity Insurance Seriously Professional Indemnity (PI) insurance is one of the most misunderstood policies in the contractor world. Many contractors view it as something only architects, engineers, or consultants need —...
Do Contractors Need Employers’ Liability Insurance?

Do Contractors Need Employers’ Liability Insurance?

by Pete Willcocks | Jul 1, 2026 | Insurance

Do Contractors Need Employers’ Liability Insurance? For many UK contractors working through their own limited company, insurance is often viewed through the lens of end client contract requirements. Professional Indemnity, Public Liability and IR35 Insurance are...
Professional Indemnity – 5 Real Life Claims Examples

Professional Indemnity – 5 Real Life Claims Examples

by Pete Willcocks | Jun 8, 2026 | Insurance

Professional Indemnity – 5 Real Life Claims Examples For many UK limited company contractors working outside IR35, professional indemnity insurance is not just a ‘nice to have’ policy. It is often a contractual requirement before they are allowed to start an...
The April 2026 Threshold Changes: How It Affects Your IR35 Status?

The April 2026 Threshold Changes: How It Affects Your IR35 Status?

by Pete Willcocks | Jun 2, 2026 | Insurance, IR35

The April 2026 Threshold Change: Is Your Client Still in Charge of Your IR35 Status? The UK contracting landscape shifted significantly on 6 April 2026. While much of the recent regulatory focus has centered on umbrella company compliance and high-profile tribunal...
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Roots Contractor Insurance is a trading style of Roots Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 930814. Roots Insurance Brokers Limited is registered in England & Wales, number 12676044. ​​​Registered office: Jason Works, Clarence Street, Loughborough, Leicestershire, LE11 1DX.

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