Insurance for contractors, consultants and freelancers


Insurance – why is it important?

We’ve partnered with Markel Insurance to offer  insurance to protect you and your business against the unforeseen.

Regardless of how many years’ experience you may have, mistakes can happen and the cost of putting things right can be eye wateringly high; having  insurance in place will ensure that if something in your work doesn’t go to plan, you’ll be covered.

Click the link below to get an instant online quote from Markel now.

Obtain a Quote

What is professional indemnity insurance?

Professional indemnity insurance protects you if you make a mistake in a piece of work for a client – for example, providing incorrect designs, poor advice or simply a sub-standard service. Many clients will require you to have professional indemnity insurance in place before starting a contract.

To give an example of a situation in which a client may claim against you, let’s assume that a project overruns due to a mistake you made during the planning stages. The client incurs unexpected costs as a result of the delay, and takes legal action against you to recover their losses. Professional indemnity insurance will cover your legal costs, as well as any compensation due to your client.

It’s important to remember that even if your client’s allegation is completely unfounded, you’ll still need to appoint a solicitor to fight the claim – and professional indemnity insurance covers this.

What is public liability insurance?

Public liability insurance protects you against allegation of injuring someone at work or causing damage to third party property. It protects against many of the common ‘slip, trips and falls’ claims and many clients will require you to have public liability cover in place.

What is employers’ liability insurance?

Employers’ liability insurance protects you against allegations of injury or illness to employees. Every company that has employees must hold a minimum of £5m employers’ liability insurance cover. Just like professional indemnity insurance and public liability insurance, you may find that clients require you to have this cover in place before you can start work for them.

Click the link below to get an instant online quote from Markel now.

Obtain a Quote

By clicking the link to "Obtain a Quote" above you understand that you will be directed to a third party website. If you then  choose to proceed to purchase insurance products from Markel, Usher Spiby & Co  will receive commission on your purchase, and by clicking this link, you agree that we may retain this. Usher Spiby & Co will receive 20% of the gross annual premium in the first year and 10% for each renewal thereafter.

For example should you purchase a professional indemnity insurance policy for £200 (net of IPT) we would receive  £40 as commission in the first year  & £20 each time you renewed.