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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.
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.
Employers’ liability insurance
In case something happens to an employee while they’re working for you.
Professional indemnity insurance
In case you make a mistake in your work or your service doesn’t meet the client’s expectations.
Business and office equipment insurance
In case things like your laptop or client hardware are lost, stolen or damaged.
Portable equipment
In case something happens to your equipment while you’re off-site.
Legal expenses insurance
In case you’re hit with legal costs while running your business.
Personal accident insurance
In case you or anyone you’ve covered has an accident.
In case someone suffers property damage or injury because of your IT business.
Claims against your business for:
For example:
Read more about public liability insurance
In case something happens to an employee while they’re working for you.
Claims against your business for:
**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:
In case you make a mistake in your work or your service doesn’t meet the client’s expectations.
Claims against your business for:
For example:
Read more about professional indemnity insurance
In case things like your laptop or client hardware are lost, stolen or damaged.
For example:
Read more about business and office equipment insurance
In case something happens to your equipment while you’re off-site.
For example:
In case you’re hit with legal costs while running your business.
For example:
Read more about legal expenses insurance
In case you or anyone you’ve covered has an accident.
For example:
Read more about personal accident insurance
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.
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
£16.38 /month
£143.79 /year
A self-employed IT contractor who works with a number of small to medium-sized clients
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
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.
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 cover | Lowest excess | Highest excess |
---|---|---|
Professional indemnity | No excess | £2500 |
Public liability | £200 | £750 |
Contents | £100 | £750 |
Portable equipment | £100 | £500 |
Employers liability | No excess | No 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.
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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?
Does IT contractor insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
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.
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?
If you provide other services, make sure you’re covered:
Other types of insurance
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.
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 - 05.30pm, Sat 09.00am - 02.00pm
Call our team
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.
Paying 80% of settled claims within 24 hours in 2022
Having insurance through Simply Business has saved computer contractors thousands of pounds when the unexpected happened.
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.
£1,900.00
Covering the cost of accidental damage.
£100
The excess amount stated in Ian's policy terms
We started out as a team of five back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their business insurance.
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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. You can also check out our business insurance FAQs.
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 check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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