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Contractor Guides

Professional indemnity insurance: what’s a retroactive date

Whether you’ve just taken out a professional indemnity policy or you’re shopping for new business insurance, chances are you’ve come…
Katie Collins-Jones

by Katie Collins-Jones

Contractor Guides

Employers’ liability requirements and who’s exempt

Employer’s liability insurance isn’t just a box to tick – it’s a legal safeguard that protects businesses and their employees,…
Katie Collins-Jones

by Katie Collins-Jones

Contracting Life

Jury service for self-employed: getting cover for loss of earnings

Jury duty if you’re self-employed can be the last thing you need. If you’re a freelancer or contractor and a…
Katie Collins-Jones

by Katie Collins-Jones

    Latest articles

    House of Commons photo of John Healey announcing Autumn Budget 2026, representing article from Andy Vessey discussing analysis of key points for contractors and small businesses
    News 04 Nov 2026

    A holding pattern Budget offers little for contractors and small businesses

    The Budget gave with one hand, took with the other, but ultimately backed away from addressing fundamental issues. Last week…
    Close up photo of female worker at a desk with laptop and calculator, representing article on what insurance contractors need
    Contractor Guides 03 Nov 2026

    What insurance contractors need?

    We know it can be a minefield for contractors when it comes to purchasing the right contractor insurance to protect…
    A flat lay of a desk with stationery and notebook with writing 'insurance checklist', representing guide on questions to ask when buying contractor insurance
    Contractor Guides 24 Aug 2026

    7 things to ask before buying contractor insurance

    Buying contractor insurance isn’t exactly the most exciting item on your to-do list.  When you’re focused on winning contracts, meeting…
    Photo of protest crowd in london, representing article on loan charge review scandal
    News 15 Jul 2026

    Why the Loan Charge scandal isn’t going away

    In the late 1990s, loan-based remuneration schemes began to emerge before becoming widespread among contractors and freelancers during the 2000s.…
    News 19 Jun 2026

    The tax, pension and savings changes UK contractors need to keep on top of

    The 2026/27 tax year might not be bringing one dramatic overhaul, but it marks the beginning of a multi-year shift…
    Close-up of dates on a green calendar, representing article discussing claims made vs claims occurring in business insurance
    Contractor Guides 26 May 2026

    Simplifying insurance: what is claims made vs claims occurring

    When you’re choosing insurance, you’ll often come across two terms: claims made and claims occurring. They both refer to the…
    Calendar with date circled, representing guide on what a retroactive date is in professional indemnity insurance
    Contractor Guides

    Professional indemnity insurance: what’s a retroactive date

    Whether you’ve just taken out a professional indemnity policy or you’re shopping for new business insurance, chances are you’ve come…
    HMRC Making Tax Digital campaign asset, representing article disucssing the upcoming changes for sole traders April 2026
    Contractor Guides

    A ‘Making Tax Digital’ wake-up call for sole traders

    The way Britain pays tax is entering its biggest modernisation in a generation, with Making Tax Digital (MTD) for Income…
    HMRC Self Assessment tax return letter for 2025 tax year sent to UK taxpayer with UTR and NINO
    Contractor Guides

    Online Self Assessment tax return deadline: what to know for 2026 (and beyond)

    If you’re required to file a Self Assessment tax return for the 2024/25 tax year, the deadline to submit it…
    Contractor Guides

    What is the difference between a sole trader and a limited company?

    One of the big questions for any contractor when they first set up as self-employed is whether you should operate as a…
    Image of trip hazard sign, representing article explaining employers' liability insurance requirements and who is exempt
    Contractor Guides

    Employers’ liability requirements and who’s exempt

    Employer’s liability insurance isn’t just a box to tick – it’s a legal safeguard that protects businesses and their employees,…
    Image of person tripping over loose cable, representing article discussing the difference between public liability vs product liability
    Contractor Guides

    Public liability vs products liability: what’s the difference

    Delving into the world of business insurance can seem like a whirlwind, and that’s before you come across public liability…
    Image of calendar date with "Jury Duty" handwritten inside, representing article discussing jury duty and impact of loss of earnings on the self-employed
    Contracting Life

    Jury service for self-employed: getting cover for loss of earnings

    Jury duty if you’re self-employed can be the last thing you need. If you’re a freelancer or contractor and a…
    Image of a graphic designer drawing on a tablet, representing an article on what business insurance for graphic designers is and what it covers
    Contractor Guides

    Business insurance for graphic designers: What it covers and why it matters

    Insurance for graphic designers is often questioned – why do they need insurance? What are they even covering? One Reddit…
    Image of two people discussing a document, representing an business insurance glossary article explaining common insurance terms
    Contractor Guides

    Decoding business insurance: common insurance terms explained

    Insurance jargon can be like trying to understand another language sometimes. There’s probably plenty of common insurance terms you’ve come…
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