Public Liability Insurance
Qdos Contractor Public Liability Insurance will indemnify you for your legal liability for injury or death to third parties and damage to third party property as a result of negligent acts by you or your employees. The insurance will also cover third party costs and expenses.
Employers' Liability Insurance
Qdos Contractor Employers' Liability Insurance will indemnify you for your legal liability for injury or death to employees, including claimants costs and expenses. Employers' Liability Insurance is compulsory for any business that has one or more employees whether they are permanent, part time or temporary. The only exception to this is if you are a ‘Ltd’ Company and you are the only employee and you own at least 50% of the issued share capital of the company.
In this respect you are exempt from the need to purchase Employers' Liability Insurance. You should note that Qdos Contractor Employers' Liability Insurance cannot be purchased in isolation and is only available where Qdos Freelancer Public Liability Insurance is purchased.
Office Based Non-Manual Contractors
FROM £46.80 (Public Liability Only)
If you are providing your services in an office environment and do not undertake any manual work (e.g. involving tools), your exposure to the type of claims covered under an Employers and Public Liability policy are inevitably low. With this in mind, Qdos are able to offer appropriately priced policies that will allow you to meet your statutory and/or contractual obligations.
Offshore (energy sector) contractors
FROM £112.40 (Public Liability Only)
The offshore working environment is highly specialised and, consequentially, many insurers choose to avoid offering cover to those providing services in such locations. Qdos has worked hard to understand the risks associated with offshore work and are able to offer Employers and Public Liability to a wide variety of self-employed workers (including those providing rope access services) at highly competitive rates.
Qdos’ Employers and Public Liability insurance policies for contractors is underwritten by HCC International. The Public Liability section of cover is offered with a £5m limit of indemnity; the Employers Liability section provides £10m cover whilst onshore, and £5m whilst offshore.
Statement of Demands & Needs
When purchasing a product from our shop you will first be asked to register for an account. Once you have completed our online application form and made payment, you will be able to log into your account to view your policy documents or product information.
It is important that before deciding to purchase a Qdos product you consider whether the insurance is appropriate for you.
You should read thoroughly all the product information we have made available to you, in particular the Specimen Policy Wording together with the Summary of Cover (Key Facts) before deciding to purchase your chosen product. These documents contain the full Policy Terms and Conditions.
Please note that you are basing your purchase solely on your own interpretation of the information we have provided.
Free IR35 Contract Assessments
You receive three free IR35 contract assessments when you purchase this product (valid for the length of your policy). If you have a contract you would like us to assess, please forward it to email@example.com including your policy number as a reference.