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Specialist Insurance Solutions for Contractors & Freelancers
Established as a trusted provider in the insurance sector, we specialise in delivering tailored insurance and IR35 compliance solutions for contractors, freelancers, and small businesses across the United Kingdom. Our expertise lies in understanding the unique risks faced by self-employed professionals, offering comprehensive coverage that provides both protection and peace of mind. With over two decades of experience, we have built a reputation as a market leader, serving more than 35,000 contractors and collaborating with over 500 industry partners. Our innovative online platform streamlines the insurance process, enabling clients to obtain quotes and policies efficiently while maintaining a high standard of personalised support. Recognised for our commitment to excellence, we are authorised and regulated by the Financial Conduct Authority, ensuring adherence to rigorous industry standards.

Our team of specialists provides expert legal advice, contract reviews, and IR35 status assessments, empowering clients to navigate complex regulatory landscapes with confidence. Customer testimonials highlight our responsive service, competitive pricing, and the breadth of coverage options available. Through continuous adaptation to industry changes, we remain dedicated to evolving our services to meet the dynamic needs of our clients. Our mission is to simplify insurance procurement, allowing professionals to focus on their work without undue concern for potential liabilities. This combination of sector-specific knowledge, technological innovation, and client-centric approach solidifies our position as a trusted partner in the contingent workforce economy.
Services
Contractor Insurance IR35 Insurance Legal Expenses Insurance Trades Insurance Cyber Liability Insurance Contract Reviews Run-Off Cover
Details
  • Year established: 2003
Highlights and features
  • Specialist insurance for contractors and freelancers since 2003
  • Tailored policies across 10+ industry sectors
  • Market-leading IR35 consultancy and contract review services
  • Rated 4.7/5 from 11,000+ verified customer reviews
  • Fast online quote process completed in under 5 minutes
Associations and certifications
  • Financial Conduct Authority
What people say
Fast, effective assistance Competitive quote Additional cover Friendly, helpful Professional advice
Services
Contractor Insurance
Our contractor insurance provides comprehensive protection for self-employed professionals against work-related risks. This policy covers public liability, professional indemnity, and accident benefits, ensuring financial security for both individuals and their businesses. Designed specifically for the gig economy workforce, it offers flexible terms and rapid policy issuance through our digital platform.
IR35 Insurance
IR35 insurance safeguards contractors against financial losses arising from HMRC investigations into employment status determinations. The policy includes legal defence costs and potential tax liabilities, supported by our market-leading consultancy services that help clients understand and prepare for tax compliance requirements.
Legal Expenses Insurance
This service provides coverage for legal costs associated with contract disputes, employment issues, and professional negligence claims. Policyholders gain access to a network of specialist solicitors and receive proactive legal advice to prevent disputes, alongside financial protection for formal legal proceedings.
Cyber Liability Insurance
Our cyber liability insurance protects businesses against financial losses from data breaches and cyber attacks. The policy covers incident response costs, regulatory fines, and business interruption losses, complemented by risk management resources to enhance digital security frameworks for small enterprises.
Contract Reviews
Professional contract review services assess employment agreements for IR35 compliance and contractual risks. Our experts provide detailed feedback on tax implications, liability exposure, and contractual terms, helping clients make informed decisions before signing work agreements.
Questions
What specialist insurance products do you offer?
We provide contractor insurance, IR35 compliance cover, legal expenses insurance, cyber liability protection, and trades insurance tailored for self-employed professionals.
Do you offer IR35 consultancy services?
Yes, we provide market-leading IR35 status reviews, contract analysis, and compliance guidance for contractors, agencies, and end clients.
How can I make a claim?
Contact our claims department immediately via phone or email, providing your policy number and incident details for prompt assistance.
Are you regulated by the FCA?
Yes, we are authorised and regulated by the Financial Conduct Authority under reference number 4122238.
Can I get insurance cover quickly?
Our online system enables most customers to obtain and activate insurance cover within 5 minutes through our digital platform.