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Contractors Insurance

Contractor Business Insurance – Affordable, Flexible and Tailored for You

Life as a contractor can be rewarding and stressful in equal measure. On the one hand, there is the freedom to pick and choose who you work with and when, but on the other it’s a lifestyle that may lack some of the certainty that can come with a traditional employment contract.

This means finding the right contractors insurance is even more important – it’s a way to manage risk and gather the peace of mind that comes with knowing you’re protected if things go wrong. But finding the right contractor business insurance can be time consuming and uncertain too – after all, buying the wrong cover could leave you exposed when you need it most.

That’s where we come in. As an insurance broker, we’ll take on the hard work so you don’t have to. Our experts will help you work out what cover you need, by searching our specialist insurers and gathering suitable contractor insurance quotes. What’s more, once you’re happy with a suitable policy, we’ll get your cover set up straight away– no stress, no fuss.

Of course, your insurance needs as a contractor will depend on the industry you work in, the type of work you do, and where you are based. But don’t worry, we have a wide range of types of cover available for you to choose from ‒ so you’ll end up with affordable, flexible contractors insurance cover that’s tailored for you.

You Could Save Over 15% With Us*

Mon-Fri: 8am - 6pm

Call our team to receive a no obligation, instant quote today.


Quote line: 0330 134 4564

Available Covers**

  • Office insurance.

  • Business contents.

  • Business interruption.

  • Employers liability.

  • Public and products liability.

  • Money.

  • Property damage.

  • Legal expenses.

  • Theft by employee.

  • Personal accident.

  • Book debts.

  • Goods in transit.

  • Fleet.

  • Legal expenses (higher limit for contractual disputes).

  • Terrorism

  • Specified all risks.

  • Goods in transit.

  • Deterioration of refrigerated stock.

  • Equipment breakdown.

  • Product recall.

  • Marine cargo.

  • Engineering inspection.

  • Group personal accident and travel.

  • Directors and officers insurance.

  • Professional indemnity.

  • Stock throughput (items insured at a third party premises).

Why Insurance is Important for Contractors

Working as a contractor can bring a unique freedom. You can choose the way you work – when and where. But it also brings risk.

Who steps in if something goes wrong? Who would pay the bills if you were unable to work?

As a contractor, recovering from these kinds of issues is down to you alone. That is why contractors insurance is so important. A contractors business insurance policy, tailored to your needs, is a simple way to protect against these risks – so you can get on with running your contracting business with a lot less to worry about.


About the Contractor Economy

Working as a contractor is increasingly popular. In fact, the so-called ’gig economy’ has grown by around 25% since 2009. It now comprises some two million workers in a wide range of sectors and generates somewhere in the region of £100 billion[i].

In fact, contracting is very much part of the employment mainstream these days. For instance, it is estimated that contractors account for as much as 50% of the workforce at companies like Google and ASOS[ii].

It’s a balancing act and not right for everyone of course, but contracting can bring a sense of freedom and a work life balance that a salaried job may not. On the other hand, a lack of job security can be a big issue, as can the knowledge that there is no employer to step in when things go wrong.

That is why setting up as a contractor should be based on careful consideration of the risks as well as the rewards – and reducing those risks means finding affordable contractors insurance to protect your livelihood.


Get Contractors Insurance, including Professional Indemnity Insurance for Contractors

We will take the stress out of finding you the right contractor business insurance quote at the right price –we’ll make it as quick and easy for you.

We know you’re busy, so we’ll offer expert advice and search for the insurance you need, so you don’t have to. Meanwhile, you’ll be able to get on with running your business, safe in the knowledge you’re covered. Contact us to find out how we can help you.











Terms and Conditions

* We randomly surveyed 54 new business policyholders (12.5%) with insurance start dates between 12 April 2019 and 1 August 2019. 93% made a financial saving by moving to smei, with an average saving of 15.96%. This data excludes commercial and residential insurance for landlords.

** Standard and optional cover may differ dependent upon insurer.





You can get a quote by telephone. On average a quote will take around 10 minutes over the phone, depending on the complexity of the business requirements.


If you are arranging insurance on the phone, you can be covered straight away, subject to a 10% deposit. The remaining payment can be set up within 7 days. Be sure to let us know you want cover to start immediately. However if you don’t want immediate cover, you can specify a start date that suits you.


No, in most instances no one will come out to your premises. The quotation is based on what you tell us about your premises and business. It is up to you to inform us of anything you think may affect your insurance quote, information provided should be accurate and honest. However, on rare occasions the insurer may choose to visit your premises.


We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. Boris & Co in Leeds, Yorkshire is one of our high street heroes. Visit their website here:

You Could Save Over 15% With Us*

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Fill in our quick and easy form to receive a no obligation quote as soon as possible.

Direct quote line

Call our team to receive a no obligation, instant quote today.

Call the quote line: 0330 134 4564

Mon-Fri: 8am - 6pm

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Customer Testimonials
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smei is always best. We have more than 10 hair salons and we work with them, never forget the renewal time, never renew the policy without asking, customer service always polite and solving the problems quickly.

Suleyman Demirdag

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