Address: Caunce O'Hara & Co Ltd 82 King Street, Manchester, Lancashire, M2 4WQ, GB
Telephone: 0333 321 1403

Freelancer & Contractor Insurance

Working for yourself as a contractor or freelancer can have huge benefits, but it can be stressful and carries an element of risk, which can be mitigated through freelance indemnity insurance and liabilities cover.

You are responsible for the projects you deliver for your clients. If something goes wrong with a project that causes your client loss of money, you could be held accountable for the costs. That’s when freelance professional indemnity insurance can help.

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

Our comprehensive business insurance enables you get on with your job, knowing you’re protected, whatever happens.

Choose from our wide-ranging business insurance options to find the right level of cover to suit your budget, including:

Professional Indemnity insurance
Public Liability insurance
Tax Enquiry & Legal Expenses cover
Personal Accident & Travel
Portable Equipment cover
through our partners we also offer IR35 Contract Reviews.

Our indemnity and liability insurance policies are ideal for freelance and contract professionals from a wide range of business sectors, including;

Call our friendly award-winning team today 0333 321 1403 for details and a freelance indemnity insurance quotation.

You can download our Freelancer’s guide to Professional Indemnity Insurance here.

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:

Freelance 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 & legal expenses insurance and Contract review

Protects your business against the costs of legal action taken against you, including contract disputes, debt recovery, tax, VAT and HMRC investigations.
Contract review available when you purchase a Tax enquiry & legal expenses insurance policy.

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."
"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."
"All correspondence has always been clear and reply to questions swiftly answered. Cost is very competitive. Would definitely recommend."
"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."