Insurance For IT Contractors

Insurance For IT Contractors

SME Insurance

Insurance For IT Contractors

From basic repairs and builds through to emergency cover, your clients call on you for your expert knowledge and professional skills.

It is important that you consider the protection you have should things go wrong. There are likely to be some insurance products you are obliged to take out due to the terms of your contract, or you may decide you wish to provide yourself with peace of mind while you are out working as an IT contractor.

Here at Erskine Murray, we work alongside a wide range of different competitive insurers for years, which enables us to offer quick quotes with a fast turnaround for your cover contracts. We take the time to understand your needs as a contractor and make sure we have good enough information so that we can recommend the right business insurance policies to suit your requirements.

IT Specialist Insurance

Whilst you are not always legally required to have insurance as an IT contractor, there are two main times when it is simply necessary to have specific insurance in place.

As a condition of your contract – some clients require you to have the relevant types of insurance in the contracts for your service, such as professional indemnity cover. Most businesses require Employers’ Liability Insurance, however, limited companies with a sole employee are exempt, if they own at least 50% of the shares in the company.

Should you be working via an umbrella company, you will be an employee of that company and in most cases will automatically be able to claim using their insurance. It is important to check with your company to be certain you have the cover in place! Not every personal service will necessarily apply to you, which could cause financial problems if you are not aware of which service applies to you. Not knowing what you are able to claim on could damage your income, even over a health issue or accident.

Insurance Cover for IT Professionals

There are a range of different insurance products which can suit an IT contractor, and Erskine Murray can help make it easy to pick out the best options to suit your new specific needs and requirements. Here are just some of the policies you may wish to include in your cover.

  • Professional Indemnity Insurance: this covers you in case a client sues you for making an expensive mistake in your work. This could be due to negligence, loss of data or unintentional breach of copyright for example.
  • Public Liability Insurance: essential in case a member of the public is injured, or property is damaged as a result of your actions. This could be something like damaging a computer at a client’s site.
  • Employers’ Liability Insurance: in case one of your employees is injured whilst working for your company. This is a legal requirement for most UK businesses.
  • Tax/IR35 Cover: this can cover the cost of professional representation should HMRC select you for a tax inspection. Depending on the cover, you may be insured for VAT, PAYE and National Insurance enquiries too.

Another insurance policy you may find useful and necessary as part of your role as an IT contractor is the cyber liability insurance. Contact us today for a quick quote, or to discuss your current or new insurance documents with our specialist business insurance brokers here at Erskine Murray.

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SME Insurance by Sector

Cyber

Cyber attacks are a rapidly growing, see how we ensure you are protected. 

Directors’ and Officers’

Often referred to ad 'D&O', this policy is designed to defend individuals against damaging claims.

Shops and Offices

From office blocks and home offices to hairdressers, florists and newsagents, we cover the entire scope of this sector.  

Commercial Property Owners

For property owners, investors or developers, single property to portfolio's, we have the solution.

Residential Property Owners

For property owners, landlords and associations, we deliver a policy that covers all related risks.

Fleet

One policy for fleets of all sizes. Our online platform compares insurers within minutes, so you know you have the right cover.

Professional Indemnity

Often referred to as 'PI', a profession-based risk management package.

Tradespeople

Our package covers every single trade. Simple, effective and delivered by the same or following working day.

Motor Trade

For dealerships, mechanics, valeters, bodyshops and everything in-between, we've got you covered.

Landlord

Including buildings, contents, liability, unoccupied and rental protection.

Golf Course

Golf courses possess specific risks which specialised golf course insurance can help protect you against.

Bakery

Whether you are a small independent bakery, or a larger chain, it is vital you consider your level of business insurance.

Coffee Shop

There are many risks associated with not only running a successful business, but in serving hot drinks and food to the public.

Architects

Professional indemnity insurance is an important policy, as you are offering professional services to other people & businesses.

Surveyors

Your clients call on you for your expertise, knowledge and skill, whether you are a quantity or land surveyor.

Business Interruption Insurance

Business Interruption insurance, also known as BI, is a much-misunderstood cover which can often be overlooked by small business owners.

Wholesalers Insurance

Erskine Murray can help wholesalers to find the appropriate insurance to manage the risks to your industry and provide the right protection for your business needs.

Tech Start Up Insurance

Here at Erskine Murray, we make it easier for you to cover and protect your business with several appropriate policies packaged together.

Media Professionals Insurance

The media and marketing industries can be vulnerable to claims of negligence for what are in fact basic errors.

High Net Worth Insurance

High net worth insurance is ideal for people with high profile occupations such as sports people, actors, singers and other people in the public eye.

Graphic Designer Insurance

As the risks can be fairly wide ranging, there are lots of appropriate insurance policies which can be useful for graphic designers.

Civil Engineering Insurance

At Erskine Murray we understand the many risks associated with those involved with working at height, extreme depth and working with asbestos.

Business Owners Policy Insurance

An enhanced business insurance policy which combines property insurance alongside general liability insurance.

Contractors All Risk Insurance

Whilst all construction sites are different, there are still common risks and threats shared by them all.

Who do I

Contact? 

If you would like to talk more about your SME Insurance needs please contact Rob.

Rob Marshall

Head of SME

Who do I

Contact? 

Rob Marshall

Head of SME

Employee Benefits

Have you considered an Employee Benefits package? Such a policy can help you attract and retain a highly skilled and dedicated workforce.

Professional Indemnity

Our PI arm are specialists in providing PI insurance for architects, consulting engineers and the construction industry.