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IT contractor insurance

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What's on this page

Why do you need IT contractors insurance?

You’re dealing with clients, plus their hardware and your own. Accidents are bound to happen, especially with more of us working remotely. IT contractors’ insurance is built to work hand-in-hand with these risks, freeing you up to get on with the next big project.

  • Tick iconprotection from big claims if you make a mistake or anything gets damaged
  • Tick iconcover for the essentials from the contents of your office to legal expenses
  • Tick iconsupport if you’re in an accident and can’t carry on working
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What does IT contractor insurance cover?

From multiple infrastructure components to the newest software, your work is complex. As the expert, we put you in control of what goes into your policy, but stay on-hand to help with any questions. Start with your liability insurance for accidents and damage, and build from there.

Public liability insurance

In case someone suffers property damage or injury because of your IT business.

What’s typically covered by public liability insurance for IT contractors?

Claims against your business for:

  • Tick icondamage you’ve caused to someone else’s property while working, or as a result of your work
  • Tick iconsomeone else being injured while you’re working, or because of your work
  • Tick iconaccidental injury or damage caused by your employee (if you employ anyone, you’re legally required to have employers’ liability insurance too)

For example:

  • while installing new software on a client’s system you trip on a cable you’ve just put in, pulling the monitor off the desk and damaging it
  • you’re fitting some new equipment in a client’s office, but while fitting a cable you accidentally damage the wall

Read more about public liability insurance

Employers’ liability insurance

In case something happens to an employee while they’re working for you.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • Tick iconan employee – even if they’re a temp or casual worker – suing you because they fall ill through working for you
  • Tick iconany of your employees suing you for injury

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • one of your employees is installing new hardware but you’ve provided a faulty cable, which electrocutes them and burns their hand
  • you’ve supplied an employee with a faulty chair, which collapses when they sit down

Professional indemnity insurance

In case you make a mistake in your work or your service doesn’t meet the client’s expectations.

What’s typically covered by professional indemnity insurance for an IT contractor?

Claims against your business for:

  • Tick iconfinancial losses suffered by your client due to professional negligence
  • Tick iconadvice you give that’s incorrect
  • Tick iconother errors in your work that cost your client money

For example:

  • you set up your client’s security software but miss a gap in their network, exposing their data and causing a GDPR breach
  • you’re contracted to set up the hardware for an entire business but the job takes longer than your original quote, delaying their start-up date

Read more about professional indemnity insurance

Business and office equipment insurance

In case things like your laptop or client hardware are lost, stolen or damaged.

What’s typically covered by business and office equipment insurance?

  • Tick icontheft, loss or damage to the equipment you use to run your business

For example:

  • hardware you’re storing for a client is destroyed in a fire, and needs replacing
  • your laptop is stolen during an office break-in

Read more about business and office equipment insurance

Portable equipment

In case something happens to your equipment while you’re off-site.

What’s typically covered by portable equipment insurance?

  • Tick iconloss, damage or theft of your portable equipment such as your laptop, tablet or phone

For example:

  • your work phone is stolen on your train commute
  • you leave your bag in a taxi, which contains your client’s new cables

Legal expenses insurance

In case you’re hit with legal costs while running your business.

What’s typically covered by legal expenses insurance?

  • Tick iconlegal costs resulting from your normal business activities, like an employee dispute
  • Tick iconthe cost of legal claims due to property damage, nuisance or trespass
  • Tick iconHMRC investigations or tax and compliance disputes
  • Tick iconincludes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help protect your professional reputation

For example:

  • a client is over two months late on payments for a contract, forcing you to take legal action
  • HMRC investigates your business tax accounts

Read more about legal expenses insurance

Personal accident insurance

In case you or anyone you’ve covered has an accident.

What’s typically covered by personal accident insurance?

  • Tick iconinjury or death at or outside of work, for anyone covered on the policy
  • Tick iconlost income, medical costs and hospitalisation benefit

For example:

  • you trip over the curb on your way into work, breaking your arm
  • an employee twists their ankle at a weekend event, and can’t drive into the office

Read more about personal accident insurance

How much does IT contractors insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £5.79 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

Start your quote

How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 July - 31 December 2020). Most customers pay more than this but some pay less.

Example IT contractor insurance quotes, real prices

£16.38 /month

£143.79 /year

A self-employed IT contractor who works with a number of small to medium-sized clients

  • 1-2 years' experience
  • Sole trader
  • No employees
  • Based in Leicester

Public liability

£1,000,000


Employers’ liability

Not included


Professional indemnity

£50,000


Contents/business equipment

Not included

£56.34 /month

£500.83 /year

A small IT contracting firm who work with a number of small to medium-sized clients across a range of industries

  • 5+ years' experience
  • Limited company
  • 2 employees
  • Based in York

Public liability

£2,000,000


Employers’ liability

£10,000,000


Professional indemnity

£500,000


Contents/business equipment

£10,000

How we work out example quotes These examples are real quotes from our online system (created 14/12/2020). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance coverLowest excessHighest excess
Professional indemnityNo excess£2500
Public liability£200£750
Contents£100£750
Portable equipment£100£500
Employers liabilityNo excessNo excess

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

Start your quote

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Does IT contractor insurance cover my work correctly?

Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider cctv installer insurance or electrical contractors insurance?

Do I need cover for other types of work?

If you provide these services alongside building work, make sure you’re covered:

Other types of insurance

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.00pm, Sat 09.00am - 02.00pm

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Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

£30 million in claims paid out in 2019

Paying 80% of settled claims within 24 hours in 2019

Example claim

Having insurance through Simply Business has saved computer contractors thousands of pounds when the unexpected happened.

Ian saved £1,900.00

Ian (not his real name) was on his way to work when he dropped his bag on an escalator, damaging two laptop screens beyond repair. Luckily, insurance for IT contractors covers this type of accidental damage.

Insurance payout

£1,900.00

Covering the cost of accidental damage.


Ian's costs

£100

The excess amount stated in Ian's policy terms

Chosen by 800,000 small businesses

We started out as a team of five back in 2005. We’ve grown since then with 800,000 customers across 1,500 trades now trusting us to provide their business insurance.

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IT contractor insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about IT contractor insurance.

  • Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a IT contractor, you may also provide consultancy on certain jobs – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 043 8527 and one of our insurance experts will help you set up your policy in minutes.

  • If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always take professional advice. Read our full disclaimer

Helpful articles for IT contractors

Hands typing on a laptop

26 June 2018 • 5-minute read

Becoming an IT contractor in the UK – a quick-start guide

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