Contractor Insurance

  • 12.5% Discount for
    Brookson Clients

  • Key Benefits

  • Cover for previous work
  • Price promise guarantee
  • Occupational Personal Accident Cover as standard
  • Daily tax updates
  • No annual commitment
  • Key IR35 indicator
  • Want to know more
    about Insurance for Contractors?

  • Our free guide will help explain why you need contractor insurance.
  • Download our FREE guide
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If you provide services as a sole trader or via a limited company, it’s essential that you have the right insurance in place. As a contractor or freelance professional, the contracts you sign with clients will often require you to have particular insurance policies. Also, suitable financial cover is vital as a way of protecting you against unforeseen eventualities.

With decades of experience in offering expert financial advice and support to our clients, at Brookson One we are fully aware of the importance of obtaining adequate insurance. We also appreciate the value of your time and money. That’s why we have partnered with Kingsbridge Contractor Insurance to offer our clients comprehensive and competitively priced cover. As a Brookson client, you will receive an impressive 12.5% discount on your insurance policy - we’re confident you won’t find the same cover at a lower price elsewhere.

The Kingsbridge package includes all the key financial protections you may need, saving you the stress and hassle of having to scour the market looking for separate policies. It provides public liability, employer’s liability and professional indemnity insurance, meaning you only need one policy to cover your contractual obligations and main exposures.

No matter which industry you work in, Kingsbridge are perfectly placed to help you find the right insurance package. Kingsbridge tailor thier policies to meet the specific demands of a full range of workers. Whether you operate in oil and gas, engineering, IT and technology, media, banking and finance or interim management and consultancy, you’ll benefit from insurance that is customised to match your requirements.

The cover you get will ensure you’re compliant with the demands made on you by your agency or end client.

To see how easy and inexpensive it is to arrange contractor insurance through us, simply visit brookson.kingsbridge.co.uk for a quick and competitive quote. Making sure you have adequate protection in place not only helps to secure your long-term finances - it can also bring you welcome peace of mind.

What you need to know!

If your actions lead to anything being damaged or anybody being injured it is essential that you are insured, as 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 appropriate insurance in place could be what keeps you in business.

As a limited company contractor there are a number of insurances to consider before you start trading. Here is a summary of the most important:

Professional indemnity

Provides cover for legal defence costs and damages awarded against 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. As a contractor employing just yourself or yourself and your spouse, the likelihood of any claims is clearly low. However, many contractors do hold the policy because it is typically required by recruitment agencies and end clients. It also helps to show that you are operating a ‘genuine business’ for IR35 purposes.

There are a limited number of providers that offer appropriate insurance to the contracting community. Brookson has a longstanding partnership with Kingsbridge Contractor Insurance, where we have negotiated an exclusive discount for Brookson clients. Kingsbridge provide a comprehensive, inexpensive and compliant contractor insurance to thousands of freelancers, contractors and independent professionals in the UK.

The Kingsbridge package includes all of the key insurances you may need – professional indemnity, public liability & employers’ liability – which means you only need one policy to cover your main exposures and meet your contractual obligations.

To discuss your business insurance requirements fill in the form below...