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Whilst working for yourself as a contractor or freelancer has huge benefits, it can also be stressful. If something goes wrong, without an employer’s support to fall back on, you’re held responsible.

Whether it’s a threatened lawsuit from a disgruntled client, or a claim for an error made whilst undertaking a job, even if you’ve done nothing wrong, the cost of defending yourself in court can be expensive.

Our flexible, comprehensive freelancer insurance lets you get on with your job, knowing you’re protected, whatever happens. Choose from our wide-ranging contractors insurance options to find the right level of cover to suit your budget.

Get the cover your business needs

Call us on 0161 833 2100 and speak to our friendly advisors.

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Your business covered

Our flexible policies let you choose the right level of cover for your business. And if you’re not sure, just give our knowledgeable insurance experts a call and we’ll help you choose. Our cover includes:

  • Professional indemnity insurance

    Probably the most important cover a freelancer needs, insuring you for claims if you’re sued for a mistake that happened as a result of your work, or if a dissatisfied customer files a negligence claim against you. Choose from nine limits of cover from £50,000 to £5m.

  • Business combined insurance

    Great value, complete cover for your business in one simple bundle. Includes:

    • Public liability insurance for £1 million, with the option to increase to £5m, if you have to visit client premises or they visit yours.
    • Employers’ liability insurance for £10 million, covering you for claims from employees for injury or illness during their employment. This is legally required for most companies, and is compulsory for many contracts.
    • Office contents insurance up to £10,000 to protect your office contents, computer equipment and furniture against accidental damage and theft, with optional insurance for portable equipment.
    • Directors’ and officers’ liability insurance from £250,000 in case you’re held personally responsible in claims against your business by creditors, employees, customers or regulatory bodies like HMRC.
  • Tax enquiry and legal expenses insurance

    Protects your business against the costs of legal action taken against you, including contract disputes, debt recovery, tax, VAT and HMRC investigations.

  • Personal accident and sickness insurance

    24-hour protection (not just while you’re at work) against personal accidents or sickness, to make sure you can keep paying the bills.

The benefits of Caunce O’Hara insurance

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