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Insurance Policies

 

Contractor Insurance

 

From £5.75 (Per Month)

Contractor Insurance
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Contact Qdos Contractor:0116 269 0999
 
 

Professional & Cost Effective

 

Contractor Business Insurance

We specialise in contractor insurance products for the self-employed, from business insurance such as Professional Indemnity to specialist IR35 tax policies, such as Tax Liability Cover, our range of policies covers the risks you might face as a limited company contractor.

Whilst we specialise in the contracting workforce, most of our policies are also suitable for those operating as a sole trader or small business.

Our insurance policies can be quoted and purchased entirely online within minutes, with documentation available immediately via your online account. Your policy documents are also sent to you via email.

For limited company contractors, policies include a free IR35 Contract Assessment, and all customers, whether you are a contractor, freelancer, or consultant, are assigned an account manager to look after your insurance portfolio, providing you with a personal service whether you speak to us once a week or once a year.

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Business Insurance Policies

 
From £162.00 Professional Indemnity

Qdos Professional Indemnity Insurance (PII) will protect you against the cost of defending claims where it is alleged that a client has suffered finan...

From £162.00 Professional Indemnity
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Only £99.00 Tax Enquiry Insurance

Covers full representation costs in the event of a range of HMRC enquiries, including PAYE reviews, IR35, Section 660a.

You can add Unlimited I...

Only £99.00 Tax Enquiry Insurance
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From £55.00 Public and Employers Liability

Will provide indemnity for your legal liability for injury or death to employees or third parties and damage to third party property as a result of ne...

From £55.00 Public and Employers Liability
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From £199.00 Tax Liability Cover (TLC35)

Full IR35 insurance, covering representation costs in dealing with HMRC plus additional tax, NIC, interest and penalties arising from an IR35 enquiry....

From £199.00 Tax Liability Cover (TLC35)
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Only £70.50 Jury Service and Legal Protection

Legal protection for freelance contractors, including £500 per day jury service cover, contract dispute representation and debt recovery.

Only £70.50 Jury Service and Legal Protection
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From £315.72 Contractor Sickness Cover

Provides monthly payments in the event of an insured person being unable to work through sickness or accident, or a lump sum payment in the event of a...

From £315.72 Contractor Sickness Cover
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What insurance do I need?

 

The majority of limited company contractors will have insurance requirements stipulated within their contracts. The most common of these is Professional Indemnity and Public Liability. Occasionally Employers Liability will also be included – this will only apply if you have employees however some agencies/clients insist on the insurance regardless, particularly if it is mentioned in the contractual terms.

For sole traders and freelancers, most will take out Public Liability insurance in order to protect against risks involving damage to third party property and injury to a third party caused during the provision of services. Depending on the nature of the work, Professional Indemnity may also be a key policy to hold, particularly if you are providing some form of advice for your clients.

Limited company contractors may also be interested in IR35 insurance products which seek to protect you in the event of an IR35 enquiry from HMRC. This legislation doesn’t impact those operating as a sole trader, however sole traders may look to protect themselves against other HMRC enquiries with a tax enquiry insurance policy.

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The Company

 

About Us

Why Qdos?

 

Qdos Contractor are one of the leading providers of specialist contractor insurance services in the UK. Our online application process takes only a matter of minutes with all documentation issued instantly. Unlike many other brokers, we don’t hide our premiums until you've provided your details, as we are confident that our premiums, service and product are the best in the market. In addition, Qdos Contractor is one of the leading authorities on the IR35 legislation and have handled well over 1,500 IR35 enquiries on behalf of UK contractors.

 

Our History

 

Qdos began in 1988 as a tax consultancy business and has grown significantly over the past two decades, providing expert business services, products and advice. Over the years, Qdos has grown in both size and reputation as a trusted contractor insurance broker as well as an expert tax advisor. Our aim is to provide UK contractors with the assistance and service with IR35 issues they need as well as sustaining excellent quality and competitive premiums in the contractor insurance market.

Need Help?

 

Call our team on 0116 269 0999
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