Man smiling in an office. Contractors insurance.

Contractor Insurance

Contractor insurance – Protect your business with competitive, bespoke cover for UK contractors. Get a quote today!

Get a fast, no obligation quote which could save you over 20%* 0330 311 6364 Get a quote

Contractor 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 contractor 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 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 insurance quote for contractors. 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 contractor insurance cover that’s tailored for you.

You Could Save Over 20% With Us*

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

Phone lines are available Mon-Fri: 9am - 5pm

Quote Line: 0330 311 6364

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.


  • Equipment breakdown.


  • Product recall.


  • Marine cargo.


  • Engineering inspection.


  • Directors and officers insurance.


  • Professional indemnity.

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

Why Contractor Insurance is Important


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

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. As a contractor, who would pay the bills if you were unable to work?

Recovering from these kinds of issues is down to you alone. That is why contractor insurance is so important. A contractor’s insurance policy, tailored to your needs, is a simple way to protect against these risks.

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.

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 for insurance quotes for contractors and to find out how we can help you.

* Please click here to view our pricing disclaimer.

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


The freedom you gain from being your own boss means that you personally take on certain risks. Sole trader public liability insurance can cover legal costs and compensation in the event your work or advice results in injury to, loss or damage of property, or economic loss for a customer.


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:

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

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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.

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