IT Contractor Insurance

Competitive IT Contractor Insurance

We provide insurance policies designed to meet the risks IT contractors face, including Professional Indemnity and Public Liability cover, at competitive premiums. We also provide a free IR35 Contract Assessment with most policies, and every customer is assigned a dedicated account manager for a personal service.
 
Please note that, as a member of Equal Experts Association, you may already benefit from Professional Indemnity and/or Employers' & Public Liability (or Public Liability) insurance as part of your membership.  If these covers are already included in your membership, you may not need to arrange them separately.
 
If your membership does not include these insurance covers, you can apply for the protection you need directly with us.

Insurance products available

• Professional Indemnity Insurance
• Employers’ & Public Liability Insurance
• Tax Liability Cover
• Income Protection Insurance
• Personal Accident
• Cyber Insurance (Contact us for more information)
• Directors' & Officers' Liability Insurance (Contact us for more information)
  
  

IR35 assessment services

If you're taking on a new contract through your limited company, an IR35 Contract Assessment can help you understand your IR35 status before you start work.  Our IR35 specialists will review the written terms of your contract, provide an independent opinion on whether it falls inside or outside IR35, and recommend any changes that could help strengthen your position.  Having your contract assessed also demonstrates that you've taken reasonable steps to determine your IR35 status, which may help reduce potential penalties should HMRC ever challenge your status.
 
An IR35 Contract Assessment is provided free of charge with most of our contractor insurance policies. Simply request the service once your policy is in place and upload your contract documents through your online account.  Our specialists will review your contract and provide a written report, with a standard turnaround of 3–5 working days.
 
If you require a more comprehensive review, we also offer additional IR35 services, including Full IR35 Contract Reviews and Working Practices Reviews, providing a detailed assessment of both your contract terms and the reality of your engagement.  Find out more about our IR35 Contract Assessment, Full IR35 Contract Review and Working Practices Review services on our website.

What to consider when choosing IT contractor insurance

• If you are both a Business and IT Consultant, our IT policies will not cover you for your work as a business consultant. If this applies to you, please select the 'Business, Management & Training Consultant' option on the quote engine and then  ' Business & IT Consultant' on the second option list. 
  
  
• Your end client or agency may expect a particular level of indemnity from your cover, so you should check any contractual requirements before making your purchase.
  
  
• Our IT contractor Professional Indemnity insurance doesn't include cover for past work as standard, as you may need to consider adding this to your quote. For more information, click here.
  
  
• If you are not the sole employee of your business, even if you simply hire a spouse to do the books, you may be legally obliged to hold Employers’ Liability Insurance.
  
  
• Tax risks tend to be greater the longer you have been contracting and the greater your income.