Contractors, as part of their daily work, provide professional advice that is relied upon by their clients and its suppliers. This means that if mistakes are made or you are deemed to have been professionally negligent, you have a direct financial responsibility to your client for the errors and may be liable for compensation.

Many clients now insist on evidence of contractors having professional indemnity insurance; having this protection proves to your clients that you are professional and responsible in your approach and it should help in you securing future work.

A wide range of insurance policies are available to protect contractors in the event of an accident at work, or claims against them for negligence which will provide you with complete cover and peace of mind.

Some umbrella companies such as Parasol include comprehensive Professional Indemnity cover along with public and employer’s liability insurance as part of the standard package.