How can I reduce the risk of a claim against me as a contractor?

There are several things a contractor might do to reduce the risk of facing claims, such as checking contracts carefully prior to signing. Keeping copies could also be smart. Clear communication may also help, including setting deliverables and timelines. Even simple steps, such as obtaining email confirmation, could protect you down the line.

Do I need proof of insurance to work as a contractor?

Proof of insurance is not necessarily essential for contractors since the law doesn’t stipulate rules for most types of cover. However, some clients may request proof that you’re fully insured, and this could even be specified in a contract.

Do I need insurance before starting work as a contractor?

In business, things can go wrong at any time, so getting insurance before you start trading may provide welcome protection. If you’re still very much in the planning stage, then it might be beneficial to start some conversations before you lay down the paperwork.

Business insurance for Mediators

As a mediator, you may face unique challenges and risks in your role. Facilitating complex negotiations and client meetings to help resolve disputes can expose you to various risks. For example, a client might claim you mishandled the process, showed bias, or breached confidentiality.

Business insurance can help with the legal and compensation costs of such claims. It can also protect your work, reputation, and equipment.

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Why choose Hiscox mediators' insurance?

Cover from £7.85 a month*With Hiscox, small business insurance quotes start from £7.85 a month. You can build a policy around the specific risks of mediation work.

*Figures based on an average of all business insurance policies sold to at least 10% of our customer base between January 2025 and January 2026

Professional indemnity cover up to £10 million*

You can get up to £10 million in professional indemnity cover to help with legal fees and compensation if a client makes a claim against your work

*Figures based on policies from at least 10% of our customers

Award-winning insurerHiscox holds Chartered Insurer status and is a proud winner of the Feefo Platinum Trusted Service Award 2025, based on customer feedback.

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Tell us about your business. We can help you to build a tailored quote online, or by phone or email.

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Why do mediators need insurance?

Mediators often work in sensitive and high-pressure environments. Insurance can help manage the financial impact of professional mistakes, accidents involving clients, or damage to workplace equipment.

What insurance is available for mediators?

Insurance needs can vary between mediation practices. Some may require employers’ liability cover.

Not sure what you need?

If you’re not sure what you need, tell us a little more about your mediator business. We’ll build your quote, and we’ll help you explore any other insurance needs.

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Business insurance for Mediators

Why choose Hiscox mediators' insurance?

Why do mediators need insurance?

What insurance is available for mediators?

Insurance for mediators: FAQs

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