Being a contractor carries financial risk and contracting carries certain
obligations and legal responsibilities.
Clients can claim against you for mistakes you make that cost them financially.
Whilst this is rare, claims against contractors are made and can be very
More importantly, the vast majority of clients legally require that you are
covered before accepting your contract.
Important factors to consider:
Clients have a legal recourse at law to claim for mistakes/negligence by
In most cases an agency contract will not protect you.
The majority of clients legally require you to have some level of
Professional Indemnity Insurance, which supports your independent status.
Office Insurance provides expenses cover to legally defend or pursue
your rights, and liability insurance which protects damage to both your
own and clients property or equipment.
Having insurances fully protects you and provides you with peace of mind.
Options and policies?
There are a range of insurance options together
with the following policies to protect contractors: