rewardsme business insurance was born to give the freelancer, the contractor and the business owner, the best business insurance and truly reward them for loyalty.

We do this by building in discounts to our professional indemnity policies – and the longer you stay with us, the better the premium gets (up to a maximum of 5 years’ discount on our professional indemnity policy)

But we don’t stop there. With cash back and extra perks, our business insurance gives you more even if you never use it.

We’re industry veterans who have been in the financial services space for many years. We’re part of Kingsbridge Risk Solutions Limited, which is owned by NSM Insurance Group, one the world’s leading specialty insurance providers.

We’re trying to make business insurance fun when it’s known to be anything but…. but we’re not messing about when it comes to protecting you and your business.

That’s because we’re made up with people like you. We’ve been self-employed and know what it’s like to be your own boss. With decades of experience in the contractor insurance space, we also know what sole traders, freelancers and contractors need.

All of our insurance products are underwritten by FUL who are A-rated – so if you need to make a claim, you’re in safe hands. We’re FCA regulated – our name, address and status can be checked on the FCA’s website at www.fca.org.uk/register or by phoning 0800 111 6768.

You can contact us by using our live chat service or choosing an option from our contact page.

Short answer
D&O insurance covers company directors and officers against compensation claims should allegations of wrongful acts be made against them.

The long(er) answer
D&O insurance covers directors and senior officers from financial mismanagement, company law breaches, health and safety regulations, legislative contraventions, defamation and negligence.

Short answer
D&O insurance is not required by law in the United Kingdom.

The long(er) answer
D&O insurance is not required by law in the United Kingdom, but D&O insurance covers risks that other insurance products don’t cover, which could leave directors and executives exposed.

D&O insurance should also be considered for limited company businesses, as if a customer or client sues, the director(s) could be personally liable.

Short answer
If you have directors and officers in your business, then it’s well worth considering.

The long(er) answer
D&O insurance can help protect you and your business from a variety of claims, including those made by employees, members of the public
investors, regulators, suppliers and contractors.

It’s not a legal requirement, but should be considered especially if your business is a limited company, as your directors can be held personally responsible.