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Exclusive discounts for limited company contractors and other business owners
It’s important that limited company contractors and other business owners have appropriate business insurance in place. Not only does it safeguard both yourself and your clients, but it also forms a standard requirement of contracts. To help you find the right cover, we have partnered with experts, Kingsbridge Contractor Insurance and have negotiated an exclusive discount to ensure you as a business owner receives the best possible price.
Kingsbridge are experts in the sector with many years’ experience in providing specialist insurance, so they know exactly what you need to ensure you have the right level of cover. However although their insurance policy is specifically tailored to meet the needs of professional contractors and freelancers, we understand that you may have some questions regarding what level of cover you do actually need. So, Kingsbridge have answered some commonly asked questions below.
If your actions cause injuries to anyone or damage to anything, it may result in a costly claim being made against you. Likewise, if you give your client any advice or complete any work for them that leads to them losing money, they may bring a claim against you.
In such a situation, having insurance in place could be what keeps you in business. To ensure that your business is protected financially and that you are complying with the requirements of your client, you need to have suitable insurance in place at all times.
Professional indemnity - covers you if you are accused of professional negligence, making an error or omission, or giving bad advice which results in your client losing money.
Public liability - provides cover if someone is injured or property is damaged as a result of your actions whilst supplying services. Whether you are on your own premises or at a client’s site, you have a duty to protect anyone who might be affected by your activities. If you fail to do this, you may have to pay substantial compensation.
Employers’ liability - provides protection against claims from employees. It is compulsory for almost all UK businesses. Regardless of your set-up, this is often insisted upon by clients who may require you to comply with a contract.
There are a limited number of insurance providers that offer cost-effective and comprehensive insurance to the contracting community. We have partnered with Kingsbridge to provide their clients with a package which includes all the key insurances you may need – professional indemnity, public liability & employers’ liability. This means you only need one policy to cover your main exposures and meet your contractual obligations.
As experts in contractor insurance, we have the experience and insight into what contractors and freelancers really need from their insurance: