Freelancer Insurance | Contractors Insurance

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.

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.

Benefits

Competitive pricing
Dedicated handlers to assist with your queries
Documents issued instantly via e-mail
Access to your own claims team
Cover for legal defence costs and compensation bills
Monthly payments

4.8/5

"I have automatically renewed my indemnity insurance for several years but as I have gradually reduced work commitments I needed to discuss my options prior to making a decision about renewal.
I found the person I dealt with very helpful and knowledgeable about my options."
"All correspondence has always been clear and reply to questions swiftly answered. Cost is very competitive. Would definitely recommend."
"I have been with Caunce O'Hara for almost 12 years now and am always very pleased with their service and customer support as well as the costs for the cover."
"A very helpful, kowledgable and adaptable telephone advisor enabled discussion beyond standard questions in order to secure the most approprite insurance honed to my business deeds and relevant discounts. This led to the most comptitive quote over other larger companies."
"Insurance Renewal - Plenty of warning up front as to renewal date, requests for any changes and quote. Reminder leading to actual renewal date. New certificates available on date agreed. Can't complain at all about the service."
"Used these before then changed to another broker who could not help me with an update to my insurance. Caunce O'Hara had no problem and set up my insurance in about five minutes. Highly recommended."