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:
Yes, if have employees.

The long(er) answer:
As a contractor, you may think, “I’m not an employer, so I don’t need employers’ liability cover”. It may not be that simple, however. For instance, if your spouse looks after your accounts, does clerical work for the business, employers’ liability insurance could be essential.

Employer’s liability insurance provides compensation if an employee suffers an occupational injury, illness or disease related to work. It pays damages awarded if you’re found legally liable.

Short answer
From £50 + Insurance Premium Tax depending on risk.

The long(er) answer
Premiums start around £50 but vary based on business activities, claims history and number of employees.

Short answer
Common exclusions apply.

The long(er) answer
Conditions and exclusions apply in respect of work involving the use of heat, working at heights in excess of 5m and offshore activity.