Contractors Indemnity Insurance

Our tailored indemnity insurance provides liability cover for contractors 

  • Cover suitable for sole trader, limited company or partnership contractors. 
  • Contractors indemnity insurance for tradesmen, freelancers, consultants and professionals across a wide range of industry sectors.
  • UK-based support

Call us on 0344 892 1664 or get a quote online.

A shield with a tick inside it on a big translucent blue circle
Two men in hard hats and high viz jackets, writing on paper on a clip board while the other is gesticulates, standing on top of a building by railings
If you need additional assistance arranging your insurance, find out how our teams can support

One of the UK's leading independent insurance brokers

Trusted brand icon

Overall service rating 4.6 / 5

Based on 4321 customer reviews

Feefo Logo

Why choose contractors indemnity insurance with Towergate?


Flexible limits for height and depth work as contractors

Depending on your needs, we can offer variable height and depth limits for contractors


Split your payments for your contractors indemnity insurance

Premium instalment plans over 10 months are available, ask us for details. 

Direct Debit

Contractors indemnity insurance limits of £1-£10million

Standard cover limits of £1 million, £2 million, £5 million and £10 million; higher limits available


All-in-one contractors indemnity cover

We can provide all-risks cover, with contract works, hired-in plant, own plant and tools under one policy

About contractors indemnity insurance

As a contractor, if someone is injured or their property damaged as result of your activities, you could be sued. A successful claim can be very costly, and even successfully defending against a claim can cause financial issues. It is therefore vital you have contactors indemnity insurance to protect you.


Expert advice for both contractors indemnity cover and claims

We have experts on contractors indemnity insurance throughout your journey with us, ready to discuss any queries you may have about your policy, as well as dedicated claim handlers to give you peace of mind.


Contractors indemnity, liability and plant insurance

Our contractors indemnity cover can include public liability insurance; employers’ liability insurance; equipment; own and hired-in plant and tools; under a single policy. We can also add in professional indemnity insurance.


Contractors indemnity cover for high-risk work and hazardous locations

If you need it, we can offer cover for contract work in hazardous or high-risk locations, as well as high-risk trades such as scaffolding, hot roofing and underpinning.


Contract works insurance

Contract works cover is available with our contractors indemnity insurance. This covers you against damage to jobs you are carrying out, from threats including fire, flood, storm, malicious damage, and theft.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0344 892 1384 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
Smiling women sitting on a rug on a parquet floor leaning on a sofa looking at her mobile

Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Contractors indemnity insurance FAQs

Contractors can risk legal action in respect of their liability to others for accidental personal injury or property damage arising from their activities. Potentially, the awards that can be made as a result of a successful claim can be substantial.

Unfortunately, even the legal costs of defending the most spurious claim may cause financial hardship. This underlines the importance of being insured. Public liability covers legal defence costs and compensation awards arising from accidental bodily injuries and property damage caused to others during your work.

If you engage additional labour, staff and others on contract work, you will need employer’s liability insurance.

Yes, legal defence costs for liability claims are included as standard in our contractors cover. However, if you want Commercial Legal Expenses insurance then we can arrange this as an optional extra. The limit starts at £100,000 with the option to increase.

Yes, we can offer cover for contractors working in hazardous or high-risk areas, also work at height, depth or involving application of heat.

Yes, we can offer professional indemnity insurance for contractors, as this is a common requirement for contract roles providing design and advice. This is a separate cover to our contractors insurance.

Yes, we can cover labour only sub-contractors, as well as PAYE staff for the same risks under your employers' liability cover. It is very important to declare how your workforce are employed as this will affect how your risks are calculated.

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

Read more FAQs

Contractors indemnity insurance articles and guides

Covering Contractors Under Employers' Liability Insurance

As an employer you will need employers’ liability insurance. Read how to ensure your policy covers all workers that require it.

Read more

Securing Your Van and Tools - Keeping on Top of Van Security

Whether you work for a small business or you’re a sole trader, we know that keeping your van and its contents safe from criminals is a year-round concern.

Read more

Do I need a public liability insurance certificate?

A public liability insurance certificate which offers a summary of your policy is a great way to show you’re covered and put your clients’ minds at ease.

Read more