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Contractor Insurance

"Crunch have been exceptional. All in all, a great service."

Richard Suller, IT Consultant

Designed for you

With 9,000+ clients trusting us with their accounts, we understand contractors. Our insurance is built for you.

Underwritten at Lloyd's

You're in safe hands. All our insurance policies are underwritten at Lloyd's of London.

Quick cover

Got a new contract? Need insurance fast? Simply choose the package that suits you best and get covered today.

Not sure? We can help. Call us now on 03333 118 000

Not including you.

Standard
Per year Includes insurance premium tax
  • Employers' liability - £10 millionCover for claims made by your employeesNo excessRead more
  • Public liability - £1 millionCover for claims made by the public£50 excessRead more

Plus
Per year Includes insurance premium tax
  • Employers' liability - £10 millionCover for claims made by your employeesNo excessRead more
  • Public liability - £2 millionCover for claims made by the public£50 excessRead more
  • Professional indemnity - £100KProtection for you for claims made by clientsNo excessRead more

Premium
Per year Includes insurance premium tax
  • Employers' liability - £10 millionCover for claims made by your employeesNo excessRead more
  • Public liability - £5 millionCover for claims made by the public£50 excessRead more
  • Professional indemnity - £250KProtection for you for claims made by clientsNo excessRead more
  • Add Business Interruption coverage?
    Gross Profit - £300K
    Loss of Revenue* - £500K
    Increased Cost of Working* - £100K
    * Single coverageNo excessRead more

The total cost includes a broker fee of £13. For every policy we sell, we donate a proportion of the total cost to charity.

Get your Crunch Chorus discount

Members of Crunch Chorus save 10% a year. It's free forever and you'll get access to advice, guides, campaigns and much more.

The underwriting members of the ProSight Specialty Insurance group of companies are rated "A" (Excellent) by A.M. Best. ProSight also operates Syndicate 1110 at Lloyd's of London, which is rated "A+" (Strong) by Standard & Poor's. ProSight has regional offices in London, England, Los Angeles, Calif., Santa Rosa, Calif., and New York, NY.

Crunch Insurance is a trading style of E-Crunch Ltd which is an appointed representative of Seico Insurance & Mortgages Limited. Seico Insurance & Mortgages Limited is authorised and regulated by the Financial Conduct Authority for the conduct of mortgage and insurance broking business. FCA number 300024

Self-employed person purchasing business insurance

Do I need contractor insurance?

Whether you’re contracting for a few regular clients or frequently taking on new contracts, having the right insurance in place is essential.

Many clients will demand you have insurance in place before you start work, so it makes sense to plan ahead.

Having the correct business insurance in place protects you, your clients, and the general public.

What makes us different?

We understand contractors. Since 2009, contractors in a wide range of industries have been trusting us to look after their accounts.

With Crunch Insurance, we’ve used our in-depth knowledge to create business insurance that’s tailored to contractors.

Our three packages make it as easy and quick as possible to get your contractor insurance sorted, including cover for professional indemnity, employers’ liability, public liability, and business interruption insurance.

Contractor insurance explained

Contractor employers’ liability insurance

Employers’ liability insurance will provide a financial award to anyone who works for you if they are injured or have property damaged while in your employment and during working hours.

Contractor public liability insurance

Public liability insurance protects you, the contractor, against claims from members of the public for financial loss, accident, or injury.

Contractor professional indemnity insurance

Professional indemnity insurance will cover you if a client sues for a financial loss they have suffered as a result of your action or negligent advice.

Contractor business interruption insurance

Business interruption insurance will mean you don’t lose out financially if you are unable to carry out your work due to a disaster.

What our clients are saying

“For someone starting out in the world of business startups, Crunch have been exceptional. In terms of price, they were very reasonable compared to the amount that some colleagues were paying. All in all, a great service.”
Richard Suller, IT consultant

“I really like the Crunch accounting service. And by purchasing my business insurance with them, I now have everything under one roof.”
Marek Stasikowski, IT contractor

Making tax digital

Download the guide

Want to find out more about contractor insurance? Our in-depth guide gives a detailed breakdown of the different types of business insurance.

We’ve stripped out all the jargon in our guide and it’s yours to download and keep for free. Download yours today!

Get the guide