Contractor Insurance from Kingsbridge
Complete protection for you and your business. Our package policy includes:
- Cover for over 1,000 occupations
- Premium comprehensive cover backed by A-rated insurers
- Dedicated internal claims handler
Annual cover starts from just £28.50 per month*
We will beat any like for like quote*
Why Do I Need Contractor Insurance?
Contractor insurance gives you the peace of mind that you are protected against any potential damages, tax liabilities or claims against you. It is also a good indicator that you hold an outside IR35 status, which can help show you are a legitimate business. Your recruiter or end client will likely require that you hold insurance, so it will help you win work.
Everything You Need In A Single Policy
We’ve tailored our policy package to provide the most comprehensive cover a self-employed contractor could ever need. And that’s not even the best bit. We’ve included everything listed below, and for an amazing price.
-
Professional Indemnity
Protects you from the financial consequences of professional negligence. This includes giving bad advice to making a mistake during your work. This policy will cover your legal defence costs and any damages awards to the claimant.
-
Public Liability
Provides cover when a third party is injured or their property is damaged due to the actions of a limited company contractor or business. It will cover the costs of any damages awarded, as well as any related legal fees, costs, or expenses.
-
Employers' Liability
Covering any injury to an employee and compliant with any substitution clause within contract. £10,000,000 any one claim limit with no facility to alter/remove.
-
Personal Accident Cover
Occupational personal accident provides cover if you are injured at work or whilst commuting to work. This could either be a weekly amount of £500 a week or a lump sum, depending on the circumstances.
-
Directors’ & Officers’ Liability
Providing cover for legal fees that you could be held accountable if your business was accused of financial mismanagement, a health and safety failure, a legislative breach or a breach in company law.
Annual Cover Starts From Just
£28.50 per month*
Get your price match guaranteed quote, without obligation, within 5 minutes
*this is an annual product where the direct debit payments are divided across 10 months
example is based on a quote for an IT Contractor with low level indemnity limits
Kingsbridge policies are all backed by A-rated insurers
Frequently Asked Questions
So, you have some questions. We might have already answered them below.
-
How do I make a claim?
If you ever need to make a claim on your policy, don’t hesitate to contact our expert team on 01242 808740 who will be able to assist.
-
What is IR35?
The off-payroll legislation, often referred to as IR35, is a UK tax legislation that aims to detect ‘disguised employees’ who are for all intents and purposes employees, however rather than being on payroll they are registered as limited companies, to avoid higher tax rates
-
What documents will I receive?
You will be emailed a policy schedule, policy wording and employers’ liability certificate immediately after you purchase. The schedule confirms the levels of cover and can be used by you to confirm your cover arrangements to agencies, recruiters and clients.
-
Why do I need employers' liability if I do not employ anyone?
In addition to the fact that employers’ liability may be a legal requirement for you to hold, most clients will include this insurance as a standard contractual obligation so cover has been included to help comply with these requirements. The Kingsbridge package of insurance will also cover you if you employ a spouse or close family member in an administrative or clerical role.
-
Can I still have cover if I work abroad?
As long as you maintain your UK residency and your company is UK registered then the policy covers you worldwide, with the exception of the USA or Canada. This can be added as an additional bolt-on.
What Our Customers Are Saying
Check out the feedback from the people who know us best.
Following our track record of Gold Trusted Service Awards. Kingsbridge has been awarded a Platinum Rating.
