Whilst working for yourselves as contractors or freelancers has huge benefits, it can also be stressful. If something goes wrong, without an employer’s support to fall back on, you’re held responsible.
Whether it’s a threatened lawsuit from a disgruntled client, or a claim for an error made whilst undertaking a job, even if you’ve done nothing wrong, the cost of defending yourself in court can be expensive.
Our flexible, comprehensive insurance for freelancers and contractors lets you get on with your job, knowing you’re protected, whatever happens. Choose from our wide-ranging contractor insurance options to find the right level of cover to suit your budget, including:
Call our friendly award-winning team today 0161 833 21000 for details and a quotation.
Your business covered
Our flexible policies let you choose the right level of cover for your business. And if you’re not sure, just give our knowledgeable insurance experts a call and we’ll help you choose. Our cover includes:
Professional indemnity insurance
Probably the most important cover a freelancer needs, insuring you for claims if you’re sued for a mistake that happened as a result of your work, or if a dissatisfied customer files a negligence claim against you. Choose from nine limits of cover from £50,000 to £5m.
Business combined insurance
Great value, complete cover for your business in one simple bundle. Includes:
- Public liability insurance for £1 million, with the option to increase to £5m, if you have to visit client premises or they visit yours.
- Employers’ liability insurance for £10 million, covering you for claims from employees for injury or illness during their employment. This is legally required for most companies, and is compulsory for many contracts.
- Office contents insurance up to £10,000 to protect your office contents, computer equipment and furniture against accidental damage and theft, with optional insurance for portable equipment.
- Directors’ and officers’ liability insurance from £250,000 in case you’re held personally responsible in claims against your business by creditors, employees, customers or regulatory bodies like HMRC.
Tax enquiry and legal expenses insurance
Protects your business against the costs of legal action taken against you, including contract disputes, debt recovery, tax, VAT and HMRC investigations.
Personal accident and sickness insurance
24-hour protection (not just while you’re at work) against personal accidents or sickness, to make sure you can keep paying the bills.