Contractors

As a contractor, you will be used to offering your expertise for the benefit of another organisation. At Cumbria Insurance, we’d like to do the same for you with Contractors Insurance, which can cover the kind of risks associated your line of work under one policy.

Whether you contract for the IT, construction or engineering sector, the nature of your work can present a unique set of risks. Contractors are especially vulnerable to professional indemnity and liability claims, with the additional income issues that an accident or period of illness can bring.

For these reasons, recruitment agencies and end clients will often ask that you have some form of contractors insurance policy in place, so they can be sure any problems you have won’t hinder their progress. The chance of claim may be minimal, but with the costs associated with libel claims or loss of income through injury, it can only take one instance to have a potentially devastating financial impact on your business.

With a Contractors Insurance policy arranged by Cumbria Insurance, you can expect cover to include just some of the following:

• Professional Indemnity Insurance
• Public and Employers’ Liability
• Personal accident and sickness cover
• Business interruption and loss of income
• IR35 review
• Legal protection and Jury Service

If you’re a contractor or freelancer and would like to know more about how a well-rounded Contractors Insurance policy can protect you, our experts at Cumbria Insurance would like to hear from you.