Contractor Insurance

Hiscox offers a range of business insurance products for small office based professional businesses and contractors in the UK. Over 180,000 businesses trust Hiscox to insure them as they understand the need for flexible cover so that you can tailor your policy to suit your individual business needs.

We have a range of insurance policies available to help contractors operate their businesses effectively. These include:

Which IT contractor insurance do I need?

Making sure you have the right business insurance is important, but with so many products to choose from it’s hard to know where to start. That’s why Hiscox have created an easy to follow decision tree to help you understand the insurance you might need -you might find this Contractors' Guide to Insurance helpful too.

Insurance cover available

Provides financial protection for your company and is designed to meet the cost of defending claims made against you, including damages that may become payable.

Public liability insurance covers compensation you have to pay a client or member of the public due to accidental injury or property damage.  


Office insurance
The Hiscox office contents policy protects home or office-based small businesses if your business equipment is accidentally damaged, lost or stolen. You can also add a range of specialist covers to your policy such as portable equipment (e.g. laptops), and business interruption (cover for the financial losses that result from being unable to trade due to an unexpected interruption).
Cyber and data risks insurance
The Hiscox cyber and data risks cover supports and protects businesses if they experience a data breach or are the subject of an attack by a malicious hacker that affects their computer systems. It provides comprehensive cover, simplicity, reputation protection and a trusted partner in the event of a claim.
Personal accident insurance
What would happen to your business if you, or a key employee, are unable to work after an accident? Hiscox personal accident insurance can help protect against the financial impact of this by providing your business with a lump sum or weekly amount.

With the current uncertainty surrounding the IR35 legislation, one way you can protect yourself is by taking out IR35 insurance (also known as tax liability cover).

If you would like a tailored quote visit or call 0800 2800 359.


Policies are underwritten by Hiscox Underwriting Ltd on behalf of Hiscox Insurance Company Ltd. Hiscox Underwriting Ltd is authorised and regulated by the Financial Conduct Authority and Hiscox Insurance Company Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

Income Protection Insurance

Income Protection - as a contractor you are completely exposed to financial hardship in the event of even a minor illness or accident. Protect your current lifestyle with a specially tailored income protection package.

Relevant Life Cover

One Man Ltd company Contractors can fund life insurance through the business with no income tax or benefit in kind considerations thanks to a change in legislation that means smaller companies now have the chance to tax efficiently provide death in service benefits for their employees. Find out more on saving tax on your relevant life insurance here.

Life Insurance

We know it’s not something you like to think about but Life Insurance offers your family an essential safety net if the worst should happen. Thankfully, you won’t need to dwell on the subject for too long as the ContractorUK Money Club has all the answers you need...

Medical Cover

Can you afford to be ill and lose valuable earnings? With Contractor UK and their partner WPA (Western Provident Association) you are guaranteed award winning private medical insurance. We have a tailored range of policies for Contractors, the self-employed, their families all at very affordable prices supported by excellent customer service.

 WPA is currently offering 25% DISCOUNT FOR ALL APPLICATIONS IN YEAR 1, and 15% discount in 
Year 2. This promotion is in addition to the self-employed discount of up to 20% on any application through Contractor UK. Thereafter, all enquiries that come through ContractorUK will get a 10% ongoing loyalty discount for the duration of their policy with WPA.

Critical Illness Insurance

Protect yourself from the devastating effects of serious illness with a Critical Illness policy that pays a lump sum to help fund convalescence, changes to the home or repay your mortgage to relieve pressure on your budget if you cannot work.