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Business Combined Insurance

Quick, easy and personalised Business Combined Liabilities insurance so you can work with the peace of mind that you’re covered.

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Trusted by over 23,000 clients for their business insurance
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business combined insurance

As a business owner it is important to cover all bases when it comes to insurance. Our Business Combined Insurance will provide a range of covers to ensure that you and your business, your customers, your staff, and your business contents are covered should something go wrong.

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What does Business Combined insurance cover?

  • Employers’ Liability – Should a claim be made against you by an employee the policy will provide cover to help with the cost of legal proceedings and relevant compensation awards.
  • Public Liability – The cost of repairing damage to the claimant’s property, such as accidentally knocking over and breaking a valuable ornament in a clients’ offices during a meeting. The policy will also cover a claim by a member of the public should they have an accident, and be unable to work, whilst on your premises
  • General Business Contents – Whether you work in an office or from home, this insurance will cover your office contents including Computers and Electronic Office Equipment, Furniture, Stationery and Documents whilst within your property. Your contents are covered for All Risks which includes but not limited to theft, fire, water damage from burst pipes and malicious damage.
  • Portable Business Equipment – This insurance will cover your Portable Electronic Equipment when working away from your own premises or based at a client’s site. The insurance will cover accidental physical loss (including theft) or damage. You can choose whether or not this cover is within the UK, Europe or Worldwide.
  • Directors and Officers – You may be held personally responsible for your business actions and will have unlimited personal liability. Only shareholders have limited liability Directors & Officers Liability cover protects your personal assets in the event of a claim. Even to defend an action can prove to be extremely costly.

What are the benefits of Business Combined insurance?

The Business Combined insurance policy provides cover for your legal costs and certain compensation payments that might be due as a result of legal action being made against you.

The policy offers the following benefits:

  • Protection for you and your business against property damages claims.
  • Cover for human error which causes an accident and/or injury.
  • Protection for you and your employees in the event of an accident or illness sustained by a member of your staff in the course of their work for you.
  • Protection of your personal assets should a claim be made against you personally.

Why choose Caunce O'Hara for your business insurance?

Caunce OHara business insurance for contractors and freelancers

Trusted by over 25,000 clients for their business insurance.


Immediate cover available, with documents issued via email in minutes!


Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.

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Golden star
I had spoken to Caunce O'Hara prior to the transaction and it all went smoothly for me. I have used them now for 12 years.
Trusted Customer
Golden star
Excellent Customer service and value for money. Best public liability, professional indemnity and employers liability insurance offer I’ve come across.
Trusted Customer
Golden star
Company insurances renewed for another year with Caunce O'Hara. No drama, issues or concerns.
Trusted Customer

Frequently Asked Questions

The level of protection you need will depend on the potential liability and also what is stipulated as the minimum requirement in your contract. Caunce O’Hara can help you build the ideal liability insurance policy that will help protect your business. Business Combined Liabilities insurance includes: Employers’ Liability insurance, Public  Liability insurance, Directors & Officers insurance, general business contents cover, and cover for your portable business equipment as standard.

Our Business Combined Liabilities insurance, which can be purchased from as little as £112.00 a year (that is only £8.16 per month). Your premium will depend on the amount of cover you need, the risks of your profession and the excess amount.

Call our friendly team today to discuss the right level of cover for your needs on 0333 321 1403 or click the green button below for an online quotation.

As a self-employed professional, our Business Combined insurance policy will offer you the peace of mind that you’re covered in the event of any one of a number of potential claims against you.

It is also important to be aware that you don’t have to be a business owner to benefit from this type of cover. As a manager, senior manager, or company director, you too can benefit from the Directors & Officers insurance that this policy offers.

Contact us

Call 0333 321 1403

Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.

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Contact Caunce O'Hara for your business insurance today