Business Insurance for Contractors

Trust is everything in business, which is why it’s important to ensure that you and your equipment, as well as your clients and theirs, are protected. SJD Accountancy is proud to work with Hiscox who have over 20 years’ experience insuring small businesses and independent contractors, their award-winning team understands the cover that you may need. Plus as an SJD Accountancy client, you can enjoy a 15% discount on any Hiscox Business Insurance taken out. 

Choose from the products below to create a tailored insurance policy that will let you carry on with your work with ultimate peace of mind. 

Professional indemnity insurance

You may feel confident in your work, but any business providing a professional service is vulnerable to claims of negligence. Professional indemnity insurance protects your business against the cost of settling or defending a client’s claim that there is a problem with your work.

Hiscox Professional Indemnity Insurance includes cover for:

breach of contract – one of the most common insurance claims for IT Contractors, covered as standard by Hiscox. This could include failing to deliver specified software features or the late delivery of a project.

infringement of intellectual property rights – for example infringement of copyright or trademark, cyber-squatting violations or any act of passing-off.

Get a quote   ǀ  0800 2800 358 >

Employers’ liability insurance

If you have employees we’re sure you will do your best to limit the possibility of injury or illness to them resulting from their work, but if they do have an accident, your business could be sued for compensation under your employers’ liability insurance. As a result, businesses in the UK that employ staff are legally obliged to have employers’ liability insurance to provide cover against a claim from an employee.

Get a quote   ǀ  0800 2800 358 >

Public liability insurance

Public liability insurance covers the cost of settling or defending a claim from a member of the public where they have suffered bodily injury or property damage as a result of your business. This includes claims from clients, for instance, if you damaged a piece of equipment whilst working on a project at a client’s office.

Get a quote   ǀ  0800 2800 358 >

Office insurance

Hiscox can provide protection for your home or office-based business against the cost of replacing or repairing your business equipment if it is accidentally damaged, lost or stolen. Optional add-ons to this cover include:

portable equipment cover - for equipment taken outside of the office space e.g. laptops and phones

equipment breakdown – cover for the sudden electrical or mechanical breakdown of your office equipment.

Get a quote   ǀ  0800 2800 358 >

Cyber and data risks insurance

Provides support and protection if you were to experience a data breach or be the subject of an attack by a malicious hacker that affects your computer systems. 

Get a quote   ǀ  0800 2800 358 >

Personal accident insurance

Have you thought about what would happen to your business if you, or another key employee, suffer an injury from an accident and were unable to work? Hiscox personal accident insurance can help protect against the financial impact of this by providing your business with a lump sum or weekly amount.

Get a quote   ǀ  0800 2800 358 >

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SJD Accountancy

SJD Accountancy are the UK's largest specialist provider of fixed fee, Limited company accountancy services to contractors; we've been acting for contractors across the UK since 1992 and have more than 15,000 clients.

We are the only national specialist firm of contractor accountants with offices nationwide. SJD Accountancy has more qualified staff than any other firm in our market with qualifications from the following major tax and accountancy bodies - ATT, AAT, CTA, ACCA, CA, ACA and FCCA.

  • Unlimited face to face meetings. This is a unique service only SJD Accountancy offers - unlimited face to face meetings across the UK - tax is complicated and sometimes only a meeting will do.
  • UK's largest contractor accountants with more qualified staff. No call centres, no outsourcing, no automated call handling. Simply telephone, email or meet your own dedicated accountant face to face.
  • Our Customer Promise. Respond to any question sent to your accountant or any dedicated department within 24 hours.  If we need more time, we will update you as soon as we can and we promise to keep you informed of the progress we are making in answering your question.
  • Outstanding reputation. We have won more awards for customer service and accountancy excellence than any other firm in our market, including: Best Accountant for Contractors, Accountant of the Year and Best Professional Service Team to name just a few.
  • All inclusive low cost fixed fee accountancy package which includes completion of accounts*, payroll bureau, dividends and corporation tax computations, personal taxation, free bookkeeping software, your own dedicated accountant* and all company returns for a fixed fee starting from £120 plus VAT per month. Check our packages for more detail.

If you have any questions about contracting or would like any further advice please call our new business team on 01442 275789 or email: Our new business team is open Monday to Thursday (8am to 8pm), Friday (8am to 7pm) and Saturday (10am to 4pm)

Appoint SJD Accountancy and never worry about your tax or accountancy affairs again.

Form your own limited company with SJD - our same day online company formation service includes company bank account set up, VAT/PAYE registration and advice on optimum share structure. 

You may also find the following pages, guides and case studies useful:

*If you would like us to complete your company year end accounts we simply ask that you have been a client of SJD for one year or have made 12 monthly payments. All accountants are part or fully qualified.