As a contractor, clients rely on your expertise and guidance to find the best solutions for progressing their business. When you take on these responsibilities, you take their interests to heart, but mistakes can happen. Finding the right cover for your contract will protect you in the face of a legal claim.

Specialist contractor insurance can offer valuable protection against unforeseen circumstances that could be financially harmful. What if you lost a laptop containing confidential information about your client’s customers?

We can cover the negligence claims that could ensue from this situation. We offer cover for a range of risks; different contractor business insurance products enable you to tailor your policy to your contract and industry, so you’ll be protected.

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What insurance does a contractor need?

If you work on a contractual basis, the insurance policies that will benefit you the most are professional indemnity and public liability insurance for contractors. These are the most common types of business insurance in your trade. For contractors with employees of their own, employers’ liability insurance will be a legal requirement.

Clients will often ask for specific levels of cover as a term of your contractual agreement, such as public liability. For contractors, public liability insurance will benefit you if your work stands to affect the public. If somebody were to get injured on your property, for instance, or a remote work site, then you’d need support against a liability claim. Damage to a client or client property is also something contractor’s public liability can cover.

If you offer professional advice or handle client data, professional indemnity insurance is another important consideration. It covers you in the case that provide advice that leads to a financial loss for the client, or sensitive information is leaked.

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Professional indemnity insurance for contractors

Professional indemnity insurance for contractors is designed to protect contractors against the cost of settling or defending a client’s claim that they have been wrongly advised. If there is a problem with the work you have done for them, professional indemnity will cover you.

Our Contractor indemnity policy provides cover for:

  • negligence or breach of duty of care – making a mistake in your work or giving bad advice

  • infringement of intellectual property rights – for example using content from a website or publication without permission

  • breach of confidence – sharing confidential or sensitive information without consent

  • defamation – making false or damaging claims about a person or organisation

  • civil liability – if a claim occurs because of your business activity for a client and we haven’t specifically excluded it, it’s covered.

As a freelance contractor taking out Hiscox PI cover, you will get free crisis containment cover. This means you can gain access to specialist PR support should a claim threaten to damage the reputation of your business. It also means you don’t have to take your eye off the ball when it comes to running things elsewhere, safe in the knowledge that experts are handling damage control on your behalf.

Liability insurance for contractors

As an independent contractor, one the most important liability insurance covers to consider is public liability insurance. Working in new environments, there is a risk that you will be involved in accidents which cause damage to a client or colleague, or to their property.

Contractor’s public liability insurance will cover the costs associated with a claim being filed against you for bodily injury or property damage as result of your work.

For any contractors with employees, it’s a legal requirement to hold employers’ liability insurance. This kind of policy covers claims made by employees or ex-employees, for injury or illness caused by their work.
 

Contractors insurance by industry

For more than a decade, we have offered specialist insurance to contractors working in many fields. Our understanding of your industry enables us to provide broader protection than many standard policies. Professional indmenity, public liability, cyber and data, and office insurance (as well as other products) are also available.

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Other covers

We also cover a wide range of other businesses and professions. See our business insurance page for more information . Read more on the products we offer at Hiscox Business Insurance. If you are a contractor, you may want to consider the following additional covers:

What is your profession?

Find out more about the range of insurance covers we offer to specific industries and professions in the list below:

Contractors Guides, Articles & Answers