As a provider of services via a limited company, it is important to have adequate business insurance in place – some or all of professional indemnity, public liability and employers’ liability.

  • The majority of agencies require contractors to have appropriate insurance cover which will normally form part of your contract with them
  • If your actions lead to anything being damaged or someone being injured; or any advice you provide or work you complete results in a client losing money, a claim could be made against you. Having appropriate insurance cover could be what keeps you in business
  • Holding business insurance is also a key IR35 indicator, indicating to HMRC that you are operating as a legitimate business

If for any reason you do not hold the appropriate insurances, we would suggest you contact our insurance partner Kingsbridge Contractor Insurance, a specialist insurance broker specifically for contractors.

Kingsbridge provide a comprehensive, competitive and fully compliant package that includes all the key insurances you may require, meaning you only need one policy to cover your main exposures and meet your contractual obligations.

You can get in touch with their team directly on 01242 808740 or via [email protected]. You can also get a quick quote at