As a contractor, your clients rely on you as a safe pair of hands. You’re an expert in your field and you’re often trusted to make significant contributions to your clients’ business.

We have experience of providing contractors insurance to business owners like yourself. And because of this, we know that despite your best efforts mistakes can happen – especially when you’re working to meet deadlines. You may be working for your clients for just a short time, but what if you lost a laptop containing confidential information about your client’s customers?

Mistakes like this could result in an unhappy client bringing a claim against you for negligence.

Our public liability and professional indemnity insurance for contractors is designed with small businesses in mind. Hiscox can protect contractors against the cost of settling or defending a client’s claim that there is a problem with the work you have done for them, or against injury and damage. Business insurance for contractors can give peace of mind, and ensures that you present a professional and trustworthy image in front of your clients.

Call on 0800 2800 351 Mon - Fri, 8am to 7pm, Sat, 9am to 2pm excluding bank holidays.

Why choose Hiscox?

Professional Indemnity Insurance for contractors

Our 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.

More about Hiscox Professional Indemnity Insurance


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.

More about Hiscox Public Liability Insurance

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We’ll defend you

If a claim is made against you, and we think you have a reasonable chance of defending it successfully, we have the duty to defend you. This includes defending the entirety of a claim, even if some parts of it are not covered by your professional indemnity insurance policy. Get peace of mind that should a claim be made, you can focus on what you do best and leave our experts to deal with the complaint. We will deduct the costs incurred in defending the non-covered portion of a claim from the final settlement.

Protect your hard-earned reputation

As a freelance contractor taking out Hiscox Professional Indemnity 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.

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  • Award-winning claims service
  • Immediate coverage and documentation
  • No admin fees if you amend your policy

Need more help? Speak to our UK-based experts. Call us on 0800 2800 351

Mon - Fri, 8am - 7pm, Sat, 9am to 2pm, excluding bank holidays. Calls are free from a landline and some mobile contracts

Your policy

We want you to understand the PI cover we offer. Business contractors are covered under our professional indemnity policy for other professionals.

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What is your profession?

Find out more about the professional indemnity insurance covers we offer to a wide range of professions in the list below. If your profession is not listed, please see our professional indemnity insurance policy for other professionals.