Freelance Contractors - Professional Indemnity, Commercial and Personal cover for your needs

We have a unique range of insurance schemes that are designed for the professional Freelance Contractor. For a Quick Quote and to apply online please click here, alternatively have a look below at what we offer.

If you feel that you need protection that is not covered here please let us know by email: schemes@caunceohara.co.uk. As independent online insurance brokers, we have the flexibility to cater to your unique needs.

Not only are the following schemes comprehensive, they are also competitively priced .

Professional Indemnity Insurance - from £165.00 per annum

• You carry a responsibility to your clients who have a recourse at law against you for financial loss resulting from errors or omissions in your work.
• An agency contract will not protect the freelance contractor in these circumstances.
• Clients are increasingly asking to see proof of professional indemnity cover before awarding you with their contract.
• Our Policy cover extends automatically to when your business was first established.

Business Combined Commercial Insurance - from only £112.00 per annum

• For those of you trading from home, most household insurance policies do not cover you for equipment owned by your company.
• As a limited company employing yourself or any other person, it is a legal requirement that you have Employers' Liability Insurance.
• You owe a duty of care and legal liability to the client for any injury or damage caused by you at their premises.
• Your contract with an agency will not provide insurance for your legal liabilities - it is your responsibility.

Our Business Combined Commercial Insurance Policy provides the following cover as standard. These can be increased where necessary:

• Office Equipment - Sum Insured £5,000
• Additional cost of Working - Sum Insured £2,500
• Employers' Liability - Limit of Indemnity £10 million
• Public Liability - Limit of Indemnity £1 million
• Directors & Officers Liability - £250,000

 Personal Accident, Sickness and Travel Insurance - from £35.00 per annum

Injury or illnesses may prevent you from carrying out your work  and without work you may run into financial difficulties. Our innovative policy provides financial help should you suffer from an injury or illness and also has the ability to incorporate cover for business and holiday travel worldwide in any one year for you and your family.

Legal Expenses Insurance - for only £75.00 per annum

The Freelance Contractors Legal Expenses policy gives you the power, through offering up to £100,000 of legal costs per claim, and access to a 24-hour helpline and professional advice through a nationwide panel of specialist solicitors.

Frequently Asked Questions

For more information contact our professional indemnity insurance brokers in Manchester today on 03333 211403 (local rate number) alternatively request a bespoke indemnity insurance quote online now