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Business Insurance


Professional Indemnity Insurance


From £13.50 (Per Month)

Professional Indemnity Insurance
Contact Qdos Contractor:0116 269 0999

For Contractors, Freelancers and Self Employed


Professional Indemnity (PI) Insurance

Professional Indemnity Insurance (PI insurance) will react in circumstances where an error or omission in your services causes, or is alleged to have caused, a third party a financial loss. The policy covers both defence costs and any liability found owing in the event of a claim up to the limit of indemnity.

Professional Indemnity Insurance is a popular policy among self employed contractors, sole traders, and partnerships in a range of industries - get an instant online quote below.

As with solicitors and accountants, contractors, freelancers, and consultants provide professional advice and services which are relied on by their clients. Even where care and skill is exercised, there is still the potential for you to make a mistake that causes financial loss to a client or for a client to allege that you have made a mistake even if you have not. Whilst such disputes are rare, when they occur they can be costly without the protection of Professional Indemnity Insurance.

Free IR35 Contract Assessment Included
Premiums remain unaffected on turnover up to £250K
One of the most competitive premiums on the market
We accommodate most trades (Even those not listed)






Instant online quote


Get a Professional Indemnity Insurance Quote

Enter your company type, trade, number of people for cover and estimated annual revenue into the quote engine and select the products you require for an instant online quote.

Policy documents are issued immediately following purchase and are available via your online account. Please call our UK customer service team on 0116 269 0999 or use chat with us should you need assistance with your application.

Do I need retroactive cover?


If you have been contracting for many years and have just changed PI Insurance provider, you should also check to ensure that your past contracts are covered. For all non-IT trades, our Professional Indemnity Insurance policy includes retroactive cover as standard, meaning you will be covered for work undertaken prior to taking out your policy with Qdos. Those prompted to cover for past work when adding PI insurance to their quote, such as IT Contractors, will need to request retroactive cover for a small additional premium for the risks of past clients claiming against your new contractor PI Insurance by adding 'Cover for Past Work'. If this option is not selected, you will only be covered for claims that relate to work undertaken on or after the policy start date.  Click here for more information.

Not sure which policy wording
applies to you?
The applicable variant of the policy wording will display during your application for review prior to payment. Alternatively, please contact us on 0116 269 0999 for assistance.

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(inc. Insurance Premium Tax as applicable)

**(+ VAT @ 20% on checkout)

One-off £23.00 charge applied for monthly payment

Please note: Review products are not included in the monthly premium


The Company


About Us

Why Qdos?


Professional Indemnity Insurance from Qdos Contractor gives you more, with a free IR35 contract assessment included during the term of your policy. We also regularly review our pricing to ensure we remain one of the most competitive in the contractor market, our online application process takes only a matter of minutes with all documentation issued instantly, and unlike many other brokers, we don’t hide our premiums until you've provided your details, as we are confident that our premiums, service and product are the best in the market.


Our History


Qdos began in 1988 as a tax consultancy business and has grown significantly over the past two decades, providing expert business services, products and advice. Over the years, Qdos has grown in both size and reputation as a trusted contractor insurance broker as well as an expert tax advisor. Our aim is to provide UK contractors with the assistance and service with IR35 issues they need as well as sustaining excellent quality and competitive premiums in the contractor insurance market.

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PI Insurance Explained


Professional Indemnity Insurance FAQs

What is professional indemnity insurance?


Professional indemnity insurance (PI Insurance) is a common business insurance policy which covers you for the defence costs and resulting liability found owing in the event that a third party, such as your client, brings legal action against you for financial loss to their business as a result of your professional negligence, omission, or error in your services.

Read more

Who needs professional indemnity insurance?


Professional indemnity insurance is not compulsory by law; however, the rules of some regulators mean it is required for some professions including accountants, financial advisers and solicitors.

If your business activity consists of or involves giving professional advice or services, you may be at higher risk of a professional indemnity claim. Should a client or third party suffer financial losses due to your negligence, they may bring legal action against you.

Limited company contractors may find that PI Insurance is stipulated as a requirement of the contract. In these instances, you could be in breach of your contract by not holding a suitable policy.


What does professional indemnity insurance cover?


Professional indemnity insurance covers your business for both the defence costs and any liability found owing in the event of a claim up to the limit of indemnity, in the event that you make a professional mistake which leads to a financial loss for your client.

Some examples of what types of claims are covered under a PI insurance policy include:

  • Professional negligence – for example, giving a client poor advice or making a mistake in a piece of work for them
  • Loss of documents or data
  • Unintentional breach of confidentiality – such as accidentally sharing sensitive client information without permission
  • Libel and slander
  • Unintentional intellectual property infringements

Read more

How much professional indemnity insurance do I need?


Your PI insurance cover needs are depending on the size of your business and/or the needs of your clients. You will need to get cover accordingly; a minimum amount of cover may be outlined in your contracts or be outlined by the governing body you belong to.

Qdos provide professional indemnity insurance cover with limits of £1 million, £2 million and £5 million.

How much does professional indemnity insurance cost?


The cost of PI insurance will depend on a few factors including:

  • The nature of your services
  • Your company’s annual turnover
  • The limit of indemnity required
  • Whether you want to insure past work
  • The jurisdiction governing your services

Qdos PI insurance starts at £13.50 per month or £162 per year. Use the quote engine above to get an instant quote. We don't require your contact details to offer you a quote, simply enter your company type, trade, number of people for cover, and estimated annual revenue for a quote within seconds.

Why choose Qdos professional indemnity insurance?


Qdos PI Insurance is a comprehensive policy designed with the self employed in mind.

  • Purchase is quick and easy with your documents issued immediately after purchase, with an online account to manage your policies.
  • Every customer is assigned a dedicated account manager so unlike most insurance companies, you won't be passed around a call centre.
  • Limited company contractors benefit from a free IR35 Contract Assessment with their policy
  • Premiums remain unaffected by annual turnover up to £250,000
  • Optional retroactive cover for IT contractors (cover for past work)



​PI Insurance for IT Contractors


IT Contractor Professional Indemnity Insurance

Over 40,000 IT specialists choose Qdos for their business insurance needs. PI Insurance is often stipulated as a requirement for IT contractors in the contractual agreements with their clients or agencies, and so is a popular policy for IT contractors..

IT contractors benefit from Qdos' personal service and easy online purchase process as well as over 20 years' IR35 experience, providing your insurance and tax advice needs all in one place. Qdos provide a free IR35 contract assessment with every professional indemnity insurance policy, adding value to your policy and ensuring you start your contract off on the right footing.

Our IT contractor professional indemnity insurance does not include cover for past work as standard, so if you have had a gap in cover, have moved to Qdos from another provider, or have been operating previously without insurance, you may wish to include ‘Cover for Past Work’ at the quote process.


Need Help?


Call our team on 0116 269 0999
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