Business insurance for contractors

Sign up to our services and get full business insurance for 6 months free of charge.

Call me backCall 0113 518 8800

Why contractors should have business insurance

Business insurance is primarily taken to protect you and your company for any claims or liability that might arise from any services or advice you provide. Infact, as a condition of securing a new contract, you may be obliged to to take out business insurance.

However, it can be a helpful indicator, as part of an IR35 assessment, of operating as a business which can help show you are working outside IR35. This is because holding business insurance can demonstrate that you are, or could take on risks and liabilities from working under your contract and that you are taking steps to protect yourself – something generally that employees or contracts within IR35 do not always need.


if you signup to one of our packages and you are a contractor or freelancer, you can benefit from our comprehensive business insurance.

Make sure you have the correct cover

Even if your contract doesn’t state that you need insurance, it is always advisable to ensure you and your business is covered.

If you operate in an office, or public space or you employ people, both public and employers liability insurance is mandatory. However, if you provide any type of service, we would recommend professional indemnity as well.

Organising your business insurance is quick and easy and we partner with Marsh insurance to provide you with comprehensive cover.

£10m of employer’s liability insurance
£5m of public liability insurance
£5m professional indemnity insurance
Quick and easy cover
Designed for contractors and freelancers

What you get included with Clever Accounts

For one single monthly fee, you get all the services you need to ensure your limited company is efficient and compliant.

Company Setup

We’ll assist you with setting up and registering your limited company with Companies House and HMRC.

Online Software

Easy-to-use online accounting software to ensure your limited company remains compliant.

IR35 Advice

Complete end-to-end solution for IR35, including advice, guidance and Umbrella switching solution.

Service Focussed

With 15 years providing online accountancy services, we know a thing or two about customer service.

Insurance Services

Free insurance *with the Limited Company package to ensure there is evven less to worry about.

All-inclusive Service

We provide a single fixed-fee monthly service to ensure you don’t have unexpected bills.

Providing accountancy services to limited companies for over 15 years

We’re one of the oldest and experienced online accountancy services in the UK. For over 15 years, we’ve been passionate about helping businesses succeed and have been trusted by 10,000 limited companies in the UK.