Contractor Insurance from Kingsbridge

Our partners, Kingsbridge offer a comprehensive package of insurance cover that will allow you, as a limited company client, to work with complete peace of mind.

With over 30,000 contractor customers covered by Kingsbridge, our partner are long-established specialist insurers that understand the pressures of running your own business and are experienced at dealing with the demands of varying contractor occupations. They offer Feefo award winning customer service and a fully supportive claims team.

What you need to know!

Why do I need insurance?

To protect your business against legal or negligence claims
To protect yourself from occupational personal accidents and injuries
To meet the requirement of an end client or a professional body as part of your contract

What types of cover should I consider?

Professional Indemnity: Protects you from the financial consequences of professional negligence. This includes giving bad advice to making a mistake during your work. This policy will cover your legal defence costs and any damages awards to the claimant.

Public liability: This insurance provides cover for damage to third-party property and injury to third-party persons. It also covers legal fees resulting from claims you defend.

However careful and professional you are, accidents happen, and the consequences can be severe. For instance, public liability claims are typically very costly, so without this cover, you could find yourself severely out of pocket.

Personal accident: Occupational personal accident provides cover if you are injured at work or whilst commuting to or from work. This could either be a weekly amount of up to £500 a week or a lump sum, depending on the circumstances.

Employers’ liability: As a contractor, you may think, “I’m not an employer, so I don’t need employers’ liability cover”. It may not be that simple, however. For instance, if your spouse looks after your accounts, does clerical work for the business, or you have a contract with an end client that includes a substitution clause, employers’ liability insurance could be essential.

Directors’ and officers’ liability: As a director of your limited company (perhaps the sole director), you could find yourself held accountable if the business is ever accused of financial mismanagement, a health and safety failure, a breach of legislation or of breaking company law. Therefore, director’s and officers’ liability insurance covers the legal fees, which are sometimes considerable.

Why Choose Kingsbridge?

A single comprehensive package that provides all five insurances Kingsbridge can provide the right cover for most contractor, freelancer or self-employed professional
The policy package is designed to meet the exact needs of contractors working in individual industries such as banking & finance, engineering, media, IT and Technology, on-shore & off-shore energy, oil & gas.
All Kingsbridge policies are underwritten by A-rated insurers