Award winning business insurance for your peace of mind

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4.8 / 5

Based on over 5,000 reviews

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Account-managed service our customers love

Award winning service

Best Contractor Insurance Provider or Broker 2024

Feefo Platinum Trusted Service Award 2026

Trusted by thousands of businesses across the UK

With more than 4,000 five-star reviews, our customers consistently rate us highly for service, support and value.

Award-winning service with a personal touch

We believe in personal service. When you join us, you'll have your very own Account Manager – no call centres, no hassle. You’ll speak to the same person, whether you need us once a week or once a year.

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Why Qdos?

Self-employment is our everything. In fact, we’ve been specialists in the industry since 1988.

We’re business insurance and employment status enthusiasts. We get a kick out of simplifying the complex world of compliance so you don’t have to.

Read about what makes us special

All of our policies include the following as standard:

A dedicated Account Manager

We'll never pass you around a call centre

Online account for 24/7 access

Manage your policies at a time that suits you

Price Match Promise

If you find an equivalent policy elsewhere, we promise to match the price

Rewards when you refer a friend

Get £30 and give £20 to your friend (in Amazon vouchers)

We can get you covered in minutes

We don’t just sell insurance. We want you to really understand what you’re protected for and help you get the right cover for your business.

No long call queues and no being passed from pillar to post. Every customer is assigned a dedicated account manager so you can speak to the same person whether once a week or once a year.

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Popular insurance cover for the self-employed

When choosing cover for your business, start with the core insurances that protect you from common risks. For many self-employed professionals and contractors this includes public liability to cover third-party injury or property damage, professional indemnity for mistakes or advice claims, and employers’ liability if you have staff. Depending on your work and contracts, you might also consider policies such as legal protection, income or personal accident cover, contractors’ all-risk, and IR35/tax investigation insurance to safeguard against specific liabilities and unexpected costs. Qdos can help you identify the right mix of policies for your business needs.

Professional Indemnity Insurance

Protect your business against allegations of negligence

From £13.50 per month
Provides £100k to £5m cover
Most trades include Retroactive Cover

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Public Liability Insurance

Protect your business against allegations of third party injury & property damage

From £4.58 per month
Provides £1m to £10m cover
Optional Employers Liability

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Legal Protection Insurance

Protect your business against the risk of various legal disputes

From £5.88 per month
Cover up to £50k for legal disputes
Jury service cover £500 per day up to £5k

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Income Protection Insurance

Protect your income in the event of long-term illness or injury

From £26.31 per month
Monthly benefits from £1k to £5k
Plus £25k lump sum in the event of death

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Personal Accident Insurance

Protect your income in the event of an accident

From £4.68 per month
Covers up to £50k
Plus £50 per day hospital benefit

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Tax Liability Cover

Reduce the impact of an IR35 enquiry with comprehensive IR35 insurance

From £16.58 per month
Liabilities covered for £25k to £250k
Includes Unlimited IR35 Contract Assessments

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Fast and easy cover, wherever you are Get cover online or over the phone in minutes, with documents issued immediately
Competitive premiums that rarely change We haven’t changed our Public Liability premiums since 2017
Our customers rate us 4.8/5 stars on average Our customers rate us 4.8/5 stars on average
Low cost for small businesses Our premiums won’t budge on turnovers up to £250,000 per year for most trades