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Contractor Guides 26 Feb 2026

Professional indemnity insurance: what’s a retroactive date

Whether you’ve just taken out a professional indemnity policy or you’re shopping for new business insurance, chances are you’ve come…
Katie Collins-Jones

by Katie Collins-Jones

Contractor Guides

Employers’ liability requirements and who’s exempt

Employer’s liability insurance isn’t just a box to tick – it’s a legal safeguard that protects businesses and their employees,…
Katie Collins-Jones

by Katie Collins-Jones

Contracting Life

Jury service for self-employed: getting cover for loss of earnings

Jury duty if you’re self-employed can be the last thing you need. If you’re a freelancer or contractor and a…
Katie Collins-Jones

by Katie Collins-Jones

Partner News 30 Mar 2026

What JSL will mean for you: Five lessons from our expert panel

Earlier this month Kingsbridge brought together a panel of industry experts to discuss the implications of the government’s new JSL…
Kingsbridge

by Kingsbridge

Partner News

Employment Rights Act 2025 ‘brings world of work into 21st century’

Big changes to the world of work have been on the horizon for a while and the Royal Assent of…
Katie Collins-Jones

by Katie Collins-Jones

Trades 31 Mar 2026

What insurance does a tradesman need?

Insurance sounds like a good idea, but how do you know what insurance you need as a tradesman? No two…
Katie Collins-Jones

by Katie Collins-Jones

Trades 20 May 2026

Tool theft stories: tradespeople going beyond locks to keep tools safe

As tool theft continues to dominate headlines and social feeds, many tradespeople are no longer relying on standard security –…
Katie Collins-Jones

by Katie Collins-Jones

Trades 17 Mar 2026

What is contract works insurance?

However big or small your construction project is, contract works insurance could be a lifesaver if something happens. When you’re…
Katie Collins-Jones

by Katie Collins-Jones

    Latest articles

    Close-up of dates on a green calendar, representing article discussing claims made vs claims occurring in business insurance
    Contractor Guides 26 May 2026

    Simplifying insurance: what is claims made vs claims occurring

    When you’re choosing insurance, you’ll often come across two terms: claims made and claims occurring. They both refer to the…
    Calendar with date circled, representing guide on what a retroactive date is in professional indemnity insurance
    Contractor Guides 26 Feb 2026

    Professional indemnity insurance: what’s a retroactive date

    Whether you’ve just taken out a professional indemnity policy or you’re shopping for new business insurance, chances are you’ve come…
    HMRC Making Tax Digital campaign asset, representing article disucssing the upcoming changes for sole traders April 2026
    Contractor Guides

    A ‘Making Tax Digital’ wake-up call for sole traders

    The way Britain pays tax is entering its biggest modernisation in a generation, with Making Tax Digital (MTD) for Income…
    HMRC Self Assessment tax return letter for 2025 tax year sent to UK taxpayer with UTR and NINO
    Contractor Guides

    Online Self Assessment tax return deadline: what to know for 2026 (and beyond)

    If you’re required to file a Self Assessment tax return for the 2024/25 tax year, the deadline to submit it…
    Contractor Guides

    What is the difference between a sole trader and a limited company?

    One of the big questions for any contractor when they first set up as self-employed is whether you should operate as a…
    Image of trip hazard sign, representing article explaining employers' liability insurance requirements and who is exempt
    Contractor Guides

    Employers’ liability requirements and who’s exempt

    Employer’s liability insurance isn’t just a box to tick – it’s a legal safeguard that protects businesses and their employees,…
    Image of person tripping over loose cable, representing article discussing the difference between public liability vs product liability
    Contractor Guides

    Public liability vs products liability: what’s the difference

    Delving into the world of business insurance can seem like a whirlwind, and that’s before you come across public liability…
    Image of a graphic designer drawing on a tablet, representing an article on what business insurance for graphic designers is and what it covers
    Contractor Guides

    Business insurance for graphic designers: What it covers and why it matters

    Insurance for graphic designers is often questioned – why do they need insurance? What are they even covering? One Reddit…
    Image of two people discussing a document, representing an business insurance glossary article explaining common insurance terms
    Contractor Guides

    Decoding business insurance: common insurance terms explained

    Insurance jargon can be like trying to understand another language sometimes. There’s probably plenty of common insurance terms you’ve come…
    Image of worker at office desk contemplating a document, representing new business insurance checklist and what insurance you need to start a business
    Contractor Guides

    New business checklist: what insurance you need

    Starting a business is exciting – but it also comes with risks. Whatever your business, insurance can help protect you…
    Image of concerned person looking at phone, representing article with contacts and steps for how to report cyber crime
    Contractor Guides

    How to report cyber crime

    A single cyber incident can disrupt operations, compromise sensitive data, and damage trust. In the face of such a threat,…
    Image of shadow hands reaching for a personal laptop, representing a step-by-step guide on what to do if you're a cyber attack victim.
    Contractor Guides

    What to do if you’re a cyber attack victim

    It’s hard to live in the modern world without being online. But that’s made way for cyber crime. No longer…
    Image of laptop and login overlay, representing article on cyber security best practices for small businesses and freelancers.
    Contractor Guides

    Cyber security best practices: tips to keep your business safe online

    Whether you’re a freelancer, sole trader, contractor or small business owner, understanding and implementing cybersecurity best practices can mean the…
    Contractor Guides

    How much professional indemnity insurance do I need?

    Professional indemnity insurance cover is one of the staples of many business insurance packages, along with public liability insurance and employers’ liability…
    Insurance policies, professional indemnity vs public liability, what's the difference
    Contractor Guides

    Professional indemnity insurance vs public liability

    Professional indemnity vs public liability insurance: what’s the difference? Professional indemnity insurance and public liability insurance are often confused –…
    Two umbrellas in a rainstorm with lightning overhead, symbolising the protection business insurance provides from sudden risks.
    Contractor Guides

    Are you protected from the unexpected?

    Whether you’re a freelancer, contractor, or small business owner, running your own business comes with risks. You’re juggling multiple clients,…
    Contractor Guides

    IR35 guide for overseas contractors and end clients

    Does IR35 apply to foreign contracts, or when working outside of the UK? That’s a question we’re often asked at…
    Contractor Guides

    Do I need personal accident cover as a contractor?

    When you consider the insurances you need as a contractor, you’ll naturally leap to professional indemnity and public liability, but…
    Contractor Guides

    7 proven networking tips for contractors to grow your business

    Networking has changed a lot over the years. While face-to-face networking is still an incredibly important aspect of relationship-building for…
    IT contractor at work
    Contractor Guides

    How to start your career as a self-employed IT contractor

    IT contractors have never been in more demand than they are right now, so if you’ve been toying with the…
    Contractor Guides

    The Cost of Setting Out

    If you’re a setting out engineer it’s more than likely you’ve seen a rise in your insurance premiums recently (or,…
    Contractor Guides

    Which business insurance do I need as a contractor?

    We know it can be a minefield for contractors when it comes to purchasing the right insurance cover to protect…
    Contractor Guides

    What if I get injured at work?

    For any contractor who has previously been in traditional employment, you probably didn’t think that much about what would happen…
    Contractor Guides

    Why Do Contractors Need Insurance?

    One of the most common questions we get asked at Kingsbridge Contractor Insurance is ‘Why do I need insurance?’. No…
    Contractor Guides

    How every contractor can benefit from Professional Indemnity insurance

    We’ve no doubt that you’ve heard of Professional Indemnity insurance before. You may know it by a different name; errors…
    Managing Multiple Clients and Projects
    Contractor Guides

    Managing Multiple Clients And Projects

    Are you struggling with managing multiple clients and projects in your work as a freelancer or contractor? Managing your workload…
    Contractor Guides

    Do I need an Employer Reference Number (ERN)?

    Most contractors love the flexibility and control over your working life that being self-employed gives you. However, it does involve…
    Contractor Guides

    Does a contractor need professional indemnity insurance?

    Professional indemnity, along with public liability, is one of the key insurance covers that most UK limited company contractors will…
    Contractor Guides

    Business Guide to Employers’ Liability Insurance

    Employer’s liability insurance provides cover for your business if an employee makes a claim for a work-related injury or illness.…
    Contractor Guides

    Do UK contractors need to hold public liability insurance?

    If you are new to contracting, you’re probably still trying to fathom which insurances you actually need and which are…
    A contractor thinking about IR35
    Contractor Guides

    The cost of (not having) contractor insurance

    Contractor insurance can seem like a right headache to sort out. Let’s face it, it’s not exactly a glamorous expense.…
    Contractor Guides

    A Contractor`s Guide to Public Liability Insurance

    Whether you’re a career contractor or you’ve just dipped your toe in the world of professional freelancing, you’ll have likely…
    Contractor Guides

    Why buy a policy with Kingsbridge?

    Sorting out business insurance at the top of your to-do list? You may still be undecided on who to go…
    Contractor Guides

    Public liability for contractors: what is it?

    Public liability insurance is one of the key insurances that most contractors have under their belt, so this probably isn’t the first…
    Contractor Guides

    Do I still need public liability if I`m working from home?

    With the work-from-home rule still being in effect, that’s exactly where most contractors are working from right now. It’s still…
    Contractor Guides

    What is employers` liability?

    One of the contractor insurances we get asked about a lot is employers’ liability (often referred to as EL) because, to be…
    Contractor Guides

    The differences between freelancers and contractors

    Categorising yourself correctly can help you in many ways, from appearing in the search engines for relevant search terms to…
    Contractor Guides

    10 tips for setting up your limited company as a contractor

    If you’ve decided to take the leap into contracting, congratulations! It’s a big, exciting step and you’re probably buzzing with…
    Contractor Guides

    What insurance do I need as an oil and gas contractor?

    As an oil and gas contractor, you work in a fairly unique industry and much of it is high risk.…
    Contractor's guide for self-assessment tax return
    Contractor Guides

    A Contractor`s Guide To Self-Assessment Tax Returns

    As if you weren’t excited enough about Christmas, every freelancer and contractor’s favourite time of year is fast approaching too?…
    Contractor Guides

    8 tips for contractors on closing down your limited company

    There are several reasons why, as a contractor, you might decide to close down your limited company. It could be…
    Contractor Guides

    Do I need employers’ liability as a limited company contractor?

    New contractors – and even veteran contractors, for that matter – are often a bit baffled by employers’ liability insurance.…
    Contractor Guides

    7 budgeting tips for self-employed contractors and freelancers

    As a self-employed person, you know the meaning of ‘famine or feast’. One month you’re riding high on a huge…
    Contractor Guides

    How to make the most of LinkedIn Services when self-employed

    Last month we looked at ways to make the most of your LinkedIn profile as a contractor, giving you tips…
    Contractor Guides

    How to become a sole trader

    For some professions, becoming a sole trader is a much more common option than being a limited company contractor if…
    Contractor Guides

    How to become an engineering contractor

    If you are studying for or seeking to start your engineering career in the not-too-distant-future, you may have been giving…
    Contractor Guides

    8 tips to make the most of your LinkedIn profile as a contractor

    Most of us have a LinkedIn profile sitting there, but an awful lot of us just use it as a…
    Contractor Guides

    How to choose a name for your limited company as a contractor?

    If you decided to operate as a limited company contractor (as opposed to being a sole trader), then choosing a…
    Contractor Guides

    Directors’ and officers’ liability: do contractors need it?

    Directors’ and officers’ liability insurance (D&O for short) often falls into the category of “I doubt I need that,” accompanied…
    Contractor Guides

    How a contractor accountant can help you

    “I’m going to become self-employed so that I can do my own accounts. I love paperwork, spreadsheets, and complex legislation,”…
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