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Dolan Accountancy have partnered with Markel Direct to provide an insurance solution specially for contractors.

Why insure with Markel Direct?

Tailor your policy to suit you

As a specialist insurer of contractors and self-employed professionals, Markel Direct understand that every business is different. That’s why they give you the option to tailor your insurance package for your individual business needs. You can select from a range of covers you want to include in your policy, ensuring you only ever pay for the cover you want and no unnecessary extras.

Be protected by an award-winning insurer

Markel are an award winning insurer with over 25,000 customers in the UK and are rated 4.7 out of 5 from 2,000+ customer reviews.

What insurance does a contractor need?

Specialist 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. While insurance requirements vary from contractor to contractor, depending on your job and the risks you are exposed to, there are some key types of contractor insurance worth considering.

Professional indemnity insurance

Professional indemnity insurance protects you against allegations of mistakes you make when providing professional services, advice or designs to your client. For example, if a project overruns due to a mistake you made during the planning stages, your client could claim against you for the costs they have incurred due to the delay. Another example could involve you recommending a particular type of software to a client for a certain task and it not delivering the expected improvements. In this case, the client could take legal action against you seeking compensation.

Many clients will require you as a contractor to have professional indemnity insurance in place before you can start work.

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.

If a client trips over your laptop cable, breaks their arm and is subsequently unable to work for several weeks, they could claim against you for their lost income. In this instance public liability insurance could protect you by covering the cost of the claimants lost income so that you don’t have to pay it out of your own pocket.
Public liability insurance can also cover the costs if a claim is made against you for property damage during the course of your business operations. For example, if you accidentally knock a drink over a client’s laptop and it stops working, they could request that you cover the cost of a replacement.

Employers’ liability insurance

If you have one or more employees, holding employers’ liability insurance with at least £5 million of cover is a legal requirement. If an employee suffers an injury or illness as a result of their employment with you, they could make a compensation claim against you. For instance, if an employee slips on a wet surface in the office and breaks their leg, they could make a claim against you for failing to provide a safe working environment. In these situations, employers’ liability insurance can safeguard your business.

Portable equipment insurance

As a contractor, it’s likely that you rely on devices such as a laptop, smartphone and other equipment to carry out your job. Portable equipment insurance can protect your valuable kit against theft or accidental damage anywhere in the world. If while on your way to a client’s premises you accidentally leave your laptop behind on a train and it’s stolen, portable equipment insurance can cover the cost of getting a replacement.

10% discount* for Dolan Accountancy clients

As a Dolan Accountancy client, you can enjoy a 10% discount on contractor insurance from Markel Direct, including professional indemnity, public liability, employers’ liability and more.

Ask Markel Direct to call you back within an hour

Whats next…

Why Thousands of Contractors Choose Dolan Accountancy

With over 25 years experience in contractor accountancy helping thousands of contractors, freelancers and the self employed, Dolan Accountancy has the specialist skills, reputation and credibility you can trust.

Working closely with our sister company, Contractor Umbrella, it means we can offer one low cost, fixed fee package at £105 + VAT. This gives you the flexibility of using both our Limited Company Accountancy Services and our award winning Umbrella Service, for one inclusive cost.

If you’d like to find out more about how Dolan Accountancy can help you and your business, please give us a call on 01442 795 100 or email or

We don’t believe in tiered packages or hidden extra fees, instead we aim to give you everything you need, including:

  • Free Company Formation – This is where it all begins. Once you have decided on an available name, we will form your company free of charge (if using our accountancy services) and it will be ready for you to use in as little as three hours
  • Free use of Contractor Umbrella – With IR35 Legislation changes we understand that sometimes you are required to contract via an umbrella company. We will keep your limited company ticking over, while you work margin free via our sister company, Contractor Umbrella
  • A Dedicated Accountant – Your accountant will be there for any company or personal tax advice that you require. We will never outsource work, even to internal teams
  • Free Access to FreeAgent – We offer all of our clients access to FreeAgent, free of charge
  • Free Business Banking – We have decided to waive our commission so our clients can use Tide free of charge for the first year
  • Unlimited IR35 Status Reviews – We will review all of your contracts for IR35 purposes and provide you with our professional opinion as to its status
  • Free Registered and Director’s Service Office Address – Sometimes you just don’t want your home address on display at Companies House. When you sign up to our accountancy services, we will offer the use of our address as an alternative
  • Your Business and Personal Taxation Needs – This includes Company Accounts, Director’s Personal Tax Return, VAT Returns, Payroll, Corporation Tax and Dividend advice, to name just a few

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