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Professional Indemnity Insurance for Contractors

We guarantee to beat the price of any other insurer.

New customers only. Cover on equivalent basis to ours. Qualifying criteria apply. Terms and conditions apply.


Professional Indemnity Insurance for Contractors

As a contractor, your clients rely on your expertise and professionalism. The advice you give or other professional services you provide can involve producing highly sensitive data, advising on critical operations or even vital physical infrastructure.

But mistakes and accidents can happen to anyone, even to the most diligent contractor. If a mistake you make in your work leads to a financial loss or reputational damage to one of your clients, then they could make a compensation claim against your business to recover the cost.

Professional indemnity insurance for contractors can cover you if there’s a mishap or if a client accuses you or your business of negligence. The cover will pay out for the defence costs such as lawyers, experts and other court costs that could arise as the result of a claim being brought against your business for negligence.

As a contractor, you may also find that many larger clients in both the private and public sector will ask to see proof of your professional indemnity insurance. They may not even hire you if you don’t have cover in place, so having contractors’ professional indemnity insurance could also help you to grow your business.

Although some contracts may not require you to have professional indemnity insurance, but having cover in place will provide you peace of mind and mean you’re covered if a client does make a claim.

What's covered?

With Professional Indemnity Insurance from Direct Line for Business you get:

  • From £100,000 to £2m of professional indemnity cover as standard
  • Compensation up to the chosen policy limit
  • Cover for your defence costs, such as lawyers and court costs. These are payable in addition to the policy limit
  • Access to your own specialist claims handler should the worst happen
  • The choice between a monthly and annual policy
  • No admin fee for changes made during the policy period
  • Access to our free 24/7 legal helpline
  • Retro-active cover. Covers your business from the date you first bought a professional indemnity policy*

    * Please keep a record of your previous policies.

  • Click here to find out more about our Professional Indemnity Insurance.

Who needs Professional Indemnity Insurance?

Any business that offers a professional service, gives advice or handles a client’s data or intellectual property may need professional indemnity insurance to cover the work that they do.

We provide cover for a range of professions, including:

Don't see your profession here? We may still be able to cover you. Give us a call on 0345 878 5555

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