We strongly advise all of our contractor clients to have business insurance in place at all times. To that end we have partnered with Kingsbridge Contractor Insurance, a specialist insurance broker for contractors.
If your actions lead to anything being damaged or someone being injured; or any advice you provide or work you complete results in a client losing money, a claim could be made against you. Having appropriate insurance could be what keeps you in business.
Kingsbridge provide a complete, comprehensive and competitive package which includes the key insurances you may require – professional indemnity, public liability and employers’ liability. This means you only need one policy to cover your main exposures and meet contractual obligations.
Professional indemnity – covers you if you’re accused of professional negligence, making an error or omission, or giving bad advice which results in a client losing money. This provides cover both for legal defence costs and damages awarded against you.
Public liability – provides cover if someone is injured or property is damaged as a result of your actions whilst supplying services. Whether you’re on your own premises or at a client’s site, you have a duty to protect anyone who might be affected by your activities.
Employers’ liability – provides protection against claims from employees. It is compulsory for almost all UK businesses regardless of your set-up, and is often insisted upon by clients who may require you to comply with a standardised contract.
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