Choose insurance that does Right By You

written by
Sam Stanhope Head of Marketing
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When you’re working as a contractor, your time is valuable – and so is your peace of mind. Whether you’re navigating new projects, managing clients, or staying on top of compliance, the last thing you want to be worrying about is if something unfortunate happens. That’s where contractor insurance comes in.

Partnering with insurance experts Kingsbridge, we’re here to understand the risks you face and talk through how contractor insurance can be beneficial, whatever your line of work.

Facing risks as a contractor

Whether you’re out there working on your own or through an umbrella solution like us, you face risks on a daily basis, including:

  • Accidentally causing client injury
  • Damaging client property
  • Accidentally providing incorrect advice
  • Making a professional error while working on a project
  • Being unable to work (e.g. injury or jury duty)
  • Being targeted by a phishing email or scam

In the same way we can take some of the weight off your shoulders with accountancy and compliance services, insurance can offer extra protection so you can focus on doing what you do best.

Why consider contractor insurance?

Contracting comes with a lot of flexibility and freedom, but it also comes with a lot of responsibility – you’ll likely have some liability for the work you do. If something was to go wrong, insurance can offer benefits like:

  • Protection against claims: Mistakes happen. Insurance helps protect you against claims from third parties like legal action or compensation.
  • Financial security: A single claim could cost thousands. Insurance can cover costs, so you’re not left footing the bill.
  • Professional credibility: Holding insurance shows clients you take your work seriously and operate professionally.
  • Peace of mind: Knowing you’re covered lets you focus on your work without worrying about “what ifs”.

Client requirement: Many clients won’t work with contractors unless they hold valid insurance, especially professional indemnity and public liability cover.

How Kingsbridge can help

Choosing a trusted insurance solution is important – you need to make sure your policy covers you for what you need and your insurer offers the perks that benefit you most. That’s why we’ve partnered with Kingsbridge.

Insurance for contractors and freelancers

Trusted by over 33,000 contractors, they strive to do ‘Right By You’. They offer a comprehensive Contractor Insurance product that can be tailored with optional add-ons, so you can get all the cover you need under one policy (no juggling multiple policies across multiple insurers!).

Their standard Contractor Insurance policy includes:

  • Professional Indemnity Insurance
  • Public Liability Insurance
  • Personal Accident Cover
  • Employers’ Liability Insurance
  • Directors’ and Officers’ Liability Insurance

Plus, you can opt for add-ons such as:

  • Legal Expenses Insurance
  • Cyber Liability Insurance
  • IR35 Insurance

The perks of Kingsbridge

Of course, you may find several insurers that offer a policy suitable for your business needs. So why would you choose Kingsbridge? We work with them because of the range of benefits that set them apart from the rest…

Specialist policies

They’ve designed their Contractor Insurance (and the policies it includes) with contractors and freelancers in mind.

Competitive pricing

They quote the same price for renewals and new customers – so you know you’re being treated fairly and don’t need to worry about the faff of trying to find a new insurance provider every year.

Price promise

While they regularly monitor the market to make sure they’re offering competitive pricing, if you were to find like-for-like cover elsewhere for a better price, their Price Promise means they’ll beat eligible quotes.

A-rated underwriters

All their policies are underwritten by A-rated insurers, so you can trust the cover you’re getting.

Nil excess on PI and PL claims

They offer nil excess for public liability and professional indemnity on most policies as standard, meaning you can make a claim without forking out hundreds of pounds first.

Retroactive cover on PI cover – no extra cost

Kingsbridge’s Professional Indemnity Insurance includes retroactive cover, so your policy can cover claims made against work carried out before your policy started.

In-house experts

Their team of in-house experts are dedicated to helping you find the right cover for your business. They’re committed to understanding your needs and answering any questions you have, both while taking out a policy and throughout your policy period.

Exceptional customer service

With a Feefo score of 4.8/5 (from over 13,000 reviews!), they’re proud to put customer service first. In fact, they’ve even earnt Feefo’s Platinum Trusted Service Award 5 years in a row!

What their customers have to say:

“Professional, clear and great customer service. Everything was explained well and customer service was impeccable!”

“Simple and quick quotation and an amazing price. Will definitely use again!”

“Great and easy communication and advisor helped me set up my company insurance with no problem.”

Get insured today

Getting insured doesn’t have to be a whole mission. If you’d like to know more about Kingsbridge and their Contractor Insurance, their in-house experts are on hand to explain everything, uncomplicate it, and make sure you’re happy with your cover.

If you’d like to speak to them about insurance, you can call them on 01242 808740 or visit their site to get an online quote in minutes.