COVID-19: CUSTOMER NOTICE
Please note that our team are working from home to help prevent the spread of coronavirus. We endeavour to minimise any adverse impact on our services however in the event you experience any difficulties in contacting Qdos via telephone, please email freelancer@qdoscontractor.com with your telephone number and brief details of your query, and a member of the team will return your call as soon as possible. Until further notice, our contact hours are reduced to 8:30-18:00 Monday-Friday. We apologise for any inconvenience caused.​ Click here to find out more or for information on the delay to IR35 reform, click here.

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Insurance Finder

 

​What Insurance Do I Need?

What Insurance Do I Need
 
Contact Qdos Contractor:0116 269 0999
 
 

Consider Your Insurance

 

​What insurance do you need if you are self-employed?

The insurance you need depends on the services you offer, where you offer them, whether you have employees, and a range of other factors. Qdos specialises in business insurance and advice for UK-based contractors, freelancers, and consultants, and boasts extensive insight, expertise, and knowledge of contractor issues, with special regard to the IR35 legislation.

Use the Qdos Insurance Finder below for suggestions of policies which may apply to you. Answering all questions as accurately as possible ensures the results will present the most relevant policies to consider. Then scroll down to get an instant online quote.

Whether you operate via a limited company, partnership, or as a sole trader - we provide insurance cover for hundreds of trades. From IT consultants to Geotechnical Engineers, there is a whole range of insurance products to choose from in a variety of industries.

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Free Tool

 

​Insurance Finder

Your business is important to keep protected and we're here to ensure your peace of mind and protect you from the range of risks you may encounter. Everyone's circumstances are different - this insurance finder will help you identify suitable policies to consider for your business.

The content on our site is provided for general information and use only and it is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

No individual is personally liable in connection with the content on our site. By accessing or using the content or by acting on the basis of the content, you or any third party (as applicable) accepts that no individual is personally liable whether in contract, tort, for breach of statutory duty or otherwise.

 

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Quick Quote

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Which products would you like:

Tax Liability Cover (TLC35) (From £199.00)
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Tax Enquiry Insurance (Only £99.00)
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IR35 Contract Assessment (Only £49.00**)
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Full IR35 Contract Review (Only £125.00**)
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IR35 Working Practices Assessment (Only £49.00**)
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(inc. Insurance Premium Tax as applicable)

**(+ VAT @ 20% on checkout)

One-off £23.00 charge applied for monthly payment

Please note: Review products are not included in the monthly premium

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Insurance Policies

 

Is Business Insurance Required?

If you have any employees, you may be legally obliged to hold Employers Liability insurance with a minimum of £5 million indemnity cover. See Employers Liability for more information about whether this applies to you. The reason for this is to ensure the well-being of your employees should they get injured or become ill through work.

Whilst other business insurance policies aren't required by law, there may be stipulations in your contract that make policies such as Professional Indemnity and Public Liability compulsory, in which case there may be a contractual obligation to hold such policies, or in the case of Professional Indemnity, it could be a requirement of a professional body as is often the case for accountants and solicitors.

In terms of the IR35 legislation for limited companies, it can also be detrimental in an enquiry if your contract stipulates business insurance but you don’t hold it as this demonstrates that the contract is not a true reflection of your circumstances.

Beyond this, your choices to hold business insurance should be based on an assessment of your risk and appetite to cover such risks.

Public Liability insurance is the most commonly held policy for the self-employed, particularly those in manual work, as most business owners accept that there is a general risk of a third party claiming injury or damage to property, whilst those offering professional advice such as bookkeepers will commonly hold Professional Indemnity as these individuals accept that the nature of their services opens them up to claims of financial loss.

Other popular policies such as Jury Service & Legal Protection, Contractor Sickness Cover, and Tax Enquiry Insurance are held when contractors and freelancers wish to cover these additional risks of running a self-employed business such as the financial loss in the event you were called for Jury Service, the consequences of a long-term illness, or the ability to defend a tax dispute.

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Business Insurance

 

Self Employed Insurance

From £162.00 Professional Indemnity

Qdos Professional Indemnity Insurance (PII) will protect you against the cost of defending claims where it is alleged that a client has suffered finan...

From £162.00 Professional Indemnity
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From £55.00 Public and Employers Liability

Will provide indemnity for your legal liability for injury or death to employees or third parties and damage to third party property as a result of ne...

From £55.00 Public and Employers Liability
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Only £70.50 Jury Service and Legal Protection

Legal protection for freelance contractors, including £500 per day jury service cover, contract dispute representation and debt recovery.

Only £70.50 Jury Service and Legal Protection
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Only £99.00 Tax Enquiry Insurance

Covers full representation costs in the event of a range of HMRC enquiries, including PAYE reviews, IR35, Section 660a.

You can add Unlimited I...

Only £99.00 Tax Enquiry Insurance
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From £199.00 Tax Liability Cover (TLC35)

Full IR35 insurance, covering representation costs in dealing with HMRC plus additional tax, NIC, interest and penalties arising from an IR35 enquiry....

From £199.00 Tax Liability Cover (TLC35)
Learn more
From £52.40 Qdos Travel Insurance

Qdos are now pleased to be able to offer travel insurance that will cover you for both business and leisure activities, and can include your partner a...

From £52.40 Qdos Travel Insurance
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The Company

 

About Us

Why Qdos?

 

Qdos Contractor are one of the leading providers of specialist contractor insurance services in the UK. Our online application process takes only a matter of minutes with all documentation issued instantly. Unlike many other brokers, we don’t hide our premiums until you've provided your details, as we are confident that our premiums, service and product are the best in the market. In addition, Qdos Contractor is one of the leading authorities on the IR35 legislation and have handled well over 1,500 IR35 enquiries on behalf of UK contractors.

 

Our History

 

Qdos began in 1988 as a tax consultancy business and has grown significantly over the past two decades, providing expert business services, products and advice. Over the years, Qdos has grown in both size and reputation as a trusted contractor insurance broker as well as an expert tax advisor. Our aim is to provide UK contractors with the assistance and service with IR35 issues they need as well as sustaining excellent quality and competitive premiums in the contractor insurance market.

Need Help?

 

Call our team on 0116 269 0999
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