About us
Qdos are business insurance and employment status specialists dedicated to the self-employed. We’re committed to providing the insurance you need, when you need it.
We provide insurance and compliance advice to the self-employed, helping you get the peace of mind you need to make your business a success.
As one of the four million self-employed workers in the UK, your expertise powers the economy, providing services for thousands of businesses.
IPSE member offer
10% discount on contractor insurance from Qdos
IPSE has partnered with Qdos to offer a 10% discount on contractor insurance to IPSE members.
Join over 100,000 small businesses who have trusted Qdos for their insurance needs. Get cover from as little as £4.58 per month.
Already a member? Access all our partner and marketplace offers through your member Dashboard.
How we can help
Specialists in insurance for the self-employed
We understand the unique challenges you will face as someone who is self-employed, and are committed to ensuring you have the right insurance for your needs.
At Qdos, we insure more than 1,500 trades and are committed to ensuring you understand when – and under what circumstances – you can claim.
Award-winning service
We have a 4.8 out of 5 rating on Feefo from thousands of customer reviews, meaning you can be sure you’ll be protected by an insurer that really cares.
As a result, we were awarded the Platinum Trusted Service Award 2025 to recognise the outstanding service we have provided to our customers.
Qdos retained its title as the ‘Best Legal, Compliance or Tax Adviser’ at the Contracting Awards 2025. It was the third consecutive year we have won this award.
We also won the ‘Best Contractor Insurance Provider’ Award in 2024.
A 10% discount for IPSE members
IPSE members can enjoy a 10% discount on contractor insurance from Qdos, including professional indemnity, public liability, employers liability and more.
You can be sure you’ll get that peace of mind feeling with our extensive cover options.
Price match promise
We work hard to keep our prices competitive without sacrificing our quality of service.
At Qdos, we know every penny counts for business owners, which is why if you find an equivalent policy elsewhere, we promise to match the price.
Dedicated account managers
With our dedicated account managers, we’ll never pass you around a call centre.
You’ll also have 24/7 access to your online account, meaning you can manage your policies at a time that suits you.
Leading IR35 experts
Since IR35 was introduced in 2000, Qdos has been providing advice and defence to UK contractors.
We’ve successfully defended more than a thousand IR35 enquiries and saved contractors tens of millions of pounds in tax.
How the partnership works
By partnering with IPSE, Qdos can provide the insurance products you need to make a success of your business at a preferential rate.
We can offer a 10% discount on contractor insurance to IPSE members, bringing peace to even more people in the self-employed world.
This is in addition to the full range of benefits you get from being an IPSE member. This includes access to tax and legal helplines, unlimited co-working, premium guides and templates, and money-saving offers.
Depending on their membership levels, IPSE members can also get access to illness and injury cover up to £2,000, jury service cover, tax and VAT investigation cover, and cover for loss of earnings.
In this video, senior executives from Qdos and IPSE explain how the partnership works, what you can expect, and why getting the right insurance is essential to your business success.
IPSE & Qdos Partnership Launch
What insurance do contractors and freelancers need?
Contractor insurance is designed to protect you against the unforeseen - from making a mistake on 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.
Discount terms and conditions
- There is no cash alternative, only a 10% discount to insurance policies provided by Qdos.
- This offer must be claimed before you accept our quotation and pay the premium (or agree to pay the premium via a direct debit).
- All quotations will be subject to meeting underwriting and claims criteria, and all policies will be subject to full policy terms and conditions.
- This offer can’t be used in conjunction with any other discount or offer.
The Association of Independent Professionals and the Self Employed Limited (IPSE) are an Appointed Representative of Qdos Broker & Underwriting Services Limited. Qdos Broker & Underwriting Services Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 460886). Qdos Broker & Underwriting Services Ltd is a wholly owned subsidiary of HCC International Insurance Company plc, a member of the Tokio Marine Group of Companies.
