IT & Technology Contractors

From hardware repairs to software design, system audits, and security testing, your clients rely on you to keep their data safe and their business running without a hitch. This huge amount of responsibility means that if something goes wrong, the fall-out is far-reaching. Here at Larsen Howie, we help you to protect your business so you can do what you love with peace of mind. We offer a huge range of insurances, from Professional Indemnity and Public (& Employers) Liability to IR35 Tax Investigation & Liabilities.




What insurances do IT & Technology contractors need?

Professional indemnity insurance (often referred to as PI) is one of the fundamental types of insurance for freelancers or contractors. Our PI policy protects you and your business, should your client allege that you’ve made an error or omission in your services. This can include inadequate advice given, negligence or flawed designs. It also covers legal expenses when defending the claim, or any compensation needed to fix the problem.

Public liability insurance Public Liability (PL) insurance covers the cost of a claim made by a client or a member of the public that has suffered injury or property damage as a result of work you’ve done. While this may not seem necessary if you’re a home-based contractor, it’s worth having even if you rarely work from a client’s office.

IR35 Tax Investigation insurance protects you from the potentially devastating effects of a tax investigation carried out by HMRC. IR35 has been reintroduced to challenge possible avoidance of tax and NI contributions - in particular, HMRC is looking for so-called ‘disguised employees’ who gain and carry out work via partnerships and limited companies. This makes contractors, freelancers and consultants prime targets for investigation. If you find yourself being investigated under IR35, HMRC will ask you to prove that you’re NOT an employee. This can mean extensive court fees and loss of work while the investigation is carried out; this is what our IR35 insurance protects against. As part of the policy, we provide you with one of the UK’s leading tax experts as defence should you have to go to trial - which could prove pivotal for winning your case.


Covers available
  Bullet Point   Professional Indemnity
  Bullet Point   Public (& Employers) Liability
  Bullet Point   IR35 Tax Investigation Insurance
  Bullet Point   IR35 Tax Investigation & Liabilites Insurance
  Bullet Point   Contractor Jury Service & ID Theft
  Bullet Point   Contractor Legal Protection
  Bullet Point   Contractor Personal Accident
  Bullet Point   IR35 Contract Review - Assessment
  Bullet Point   IR35 Contract Review - Full
  Bullet Point   IR35 Contract Review - Refresher
  Bullet Point   IR35 Contract Review - Convert
  Bullet Point   IR35 Working Practices Review


Articles you may find useful...        
Do I need Professional Indemnity insurance, and how do I know I'm at risk?     What is IR35? A complete guide to understanding what the off-payroll working rules mean for you     I'm a contractor - what insurances should I have?