IT Contractor Insurance

Competitive IT Contractor Insurance

We provide policies relevant to the risks IT Contractors face at competitive premiums, including Professional Indemnity for IT contractors, and low cost Public Liability. We also provide a free IR35 Contract Assessment with most policies, and every customer is assigned an account manager for a personal service.

IT Contractor Indemnity Insurance

Professional Indemnity Insurance is a key policy held by many IT contractors. Often stipulated as a requirement in contracts, this policy will seek to protect your business against allegations of financial loss caused as a result of error, omission or negligence in your services.

Our IT contractor indemnity insurance does not include cover for past work as standard, so if you have had a gap in cover, have moved to Qdos from another provider, or have been operating previously without insurance, you may wish to include ‘Cover for Past Work’ at the quote process.

We offer PI insurance policies with £1million, £2million, and £5million indemnity limits. You should review your contractual requirements and assess your risk before purchasing.

What to consider when choosing IT contractor insurance

• If you are both a Business and IT Consultant, our IT policies will not cover you for your work as a business consultant. If this applies to you, please select the 'Business, Management & Training Consultant' option on the quote engine and then  ' Business & IT Consultant' on the second option list. 
  
  
• Your end client or agency may expect a particular level of indemnity from your cover, so you should check any contractual requirements before making your purchase.
  
  
• Our IT contractor Professional Indemnity insurance doesn't include cover for past work as standard, as you may need to consider adding this to your quote. For more information, click here.
  
  
• If you are not the sole employee of your business, even if you simply hire a spouse to do the books, you may be legally obliged to hold Employers’ Liability Insurance.
  
  
• Tax risks tend to be greater the longer you have been contracting and the greater your income.