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Contractor Insurance

Quick, easy and tailored to you. Get a quote in 60 seconds and insured from just 25p a day. From Professional Indemnity and Public Liability to Business Equipment insurance and our exclusive Freelancer Assist cover.

Freely toggles on-and-off to suit your needs and save you money.
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Why choose contractor insurance from Dinghy?
You can be insured in under 5 minutes
Your time is precious – so you can get fully insured in less than 5 minutes, with your documents ready for you immediately in your online self-service area.
You get tailored insurance for contractors
You are your own unique business not just ‘a contractor’. We understand that, and that is why we offer specific cover to what you do and can pass the savings on to you.
You can save money when you’re not working
If you’re between contracts, or simply taking a break from work, then you no longer need to pay for insurance you’re not using. Turn your insurance off with a tap when you don’t need it and reduce your costs. We put you in control.
You get rock solid, world class insurance
We’ve partnered with some of the biggest names in the insurance industry to give you peace of mind with your cover, such as 24/7 equipment claims handling and expert lawyers to defend you.
What our customers say:
I was looking for a flexible solution for business insurance for a Ltd company and found it! The application process was very clear and they answered all my questions quickly. Highly recommended!
Monica Lelli – Trustpilot Review
Frequently asked questions
What insurance does a contractor need?
As a contractor, you can make mistakes that cost your client’s money. You can insure this risk with professional indemnity insurance. We also offer public liability, business equipment and cyber liability insurance.
How much does contractor insurance cost?
Less than you think! From 25p a day we can provide professional indemnity insurance of £100,000 each claim. Our average contractor pays less than £18 per month.
What amount of insurance should I buy?
Every customer has different needs. Our most popular limit for contractors is £1,000,000 professional indemnity, £1,000,000 public liability and £2,000 of business equipment.
What happens if I make an insurance claim?
First thing to do is not panic. We are here to help you. As soon as you need to make a claim you can login to your Self Service area and go to Support. If it’s an equipment claim, we will be there for you 24/7.

Our Insurance Partners

Beazley is different to most of the insurers that you will come across in the UK market. Honed over three decades, their expertise lies in specialist risks; combined with a deep understanding of the insurance needs of specific sectors and clients. They have embraced freelancer insurance needs and we are delighted to work with them.
ARAG’s UK operation provides a nationwide service from their Bristol Head office. They are part of ARAG SE, a global leader in legal expenses insurance which generates annual premium income in excess of €1.5 billion. It has always been their vision to enable everyone, not just those that can afford it, to assert their legal rights. With this aim in mind we have partnered with them to provide our innovative Freelancer Assist product.
Let’s Do this
The only contractor insurance you will ever need. You’ll be covered in minutes
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