Markel Direct

10% discount for IPSE members on contractor insurance from Markel Direct

IPSE have partnered with Markel Direct, a specialist insurer of contractors, freelancers, self-employed professionals and micro-businesses to offer a 10% discount on contractor insurance to IPSE members.

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Why insure with Markel Direct?

10% discount for IPSE members
IPSE members enjoy a 10% discount on contractor insurance from Markel Direct, including professional indemnity, public liability, employers’ liability and more.

Fast, easy online quote
Markel’s hassle-free website offers instant cover online in a matter of minutes

Be protected by an award winning insurer
Markel are an award winning insurer with over 25,000 customers in the UK and are rated 4.8 out of 5 from 2,000+ customer reviews

Instant documents
Policy documents are emailed instantly when you arrange cover, so you can prove to your client you are insured straight away

No hidden fees or cancellation charges
There are no hidden administration charges to make a change to your policy or cancel mid-term

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What liability insurance do contractors and freelancers need?

Contractor insurance is designed to protect you against the unforeseen – from making a mistake in a piece of work that results in your client losing money, to personal injury claims from third parties and employees.

If a claim is made against you (even if it’s unsubstantiated) and you don’t have cover in place, you could be left to pay thousands of pounds in legal fees and compensation payments out of your own pocket.

Professional indemnity insurance

Professional indemnity insurance protects you against allegations of mistakes you make when providing professional services, advice or designs to your client. Many clients will require you to have professional indemnity insurance in place before you can start work.

What could go wrong?
- A project overruns due to a mistake you made during the planning stages. Your client claims against you for the costs they have incurred in the delay.

- Some designs you provided to a client feature incorrect measurements. Your client claims against you for the cost of putting the mistake right.

Public liability insurance

Public liability insurance protects you against allegations of injuring someone at work or causing damage to third party property. Similar to professional indemnity insurance, most clients will need you to prove you have public liability insurance cover.

What could go wrong?
- A co-worker trips over your laptop cable, breaks their wrist and is unable to work for several weeks. They claim against you for their lost income.

 

Employers’ liability insurance

Employers’ liability insurance protects you against allegations of injury (or illness) suffered by employees as a result of their employment with you. Every company that has employees is legally required to hold a minimum of £5m cover.

What other cover should I consider?

Portable equipment insurance, protecting your laptop, smartphone and other equipment.

Occupational personal accident insurance, helping you if you’re accidentally injured at work.

Directors and officers insurance, protection for you as a company director or officer.

Cyber & data risks insurance, helping you if you’re the victim of a targeted cyber attack.

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Discount terms and conditions

The 10% discount will be applied to the net policy premium before insurance premium tax is applied . All Quotations provided will be subject to meeting underwriting and claims criteria acceptance.  All cover will be subject to full policy terms and conditions which are available upon request.   

The Association of Independent Professionals and the Self Employed Limited (IPSE) are an Introducer Appointed Representative of Markel International Insurance Company Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.