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Freelancer Professional Indemnity Insurance

Easy, quick and personalised indemnity insurance for freelancers, contractors and consultants. Start your online quote today.

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An insurance safety net for freelancers and contractors

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:


Contractor Insurance

As a contractor you may organise your insurance via an intermediary (such as a recruitment agency), but this may not absolve you from a claim made by a client. Therefore, it is important that you carry contractor’s insurance to protect yourself and your business reputation in case a claim is made against you.

There are a range of expenses that self-employed professionals can claim through their own businesses. Your business insurance is a tax deductable expense and should be viewed as a vital part of your business set-up.

There are changes to the way self-employed tax is submitted in the form of Making Tax Digital (MTD), which as a self-employed freelancer you should be aware of.


Read our article here about the top 10 challenges that freelancers face and how to potentially overcome them.


Click here to get a quick quote for your freelance insurance and contractor insurance


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

freelancers guide to professional indemnity insurance

Call our friendly award-winning team on 0333 321 1403 for details and a quotation or click the button for a quick online quote.


Get a quote for your freelance insurance and contractor insurance here


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


Our business insurance policies include:

Call one of our award-winning team today on 0333 321 1403 for a quotation and to discuss your business insurance needs or click to get a quick online quote in minutes!

Click here for a quick online small business insurance quote


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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:

  • 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.
  • Public Liability Insurance

    Up to £2m cover for legal fees and damages if one of your employees causes injury or damage to your customers or their business.
    Click here for a quick quote

  • 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.

  • Personal Accident, Sickness & Travel Insurance

    24 hours a day protection (not just while you’re at work) to cover you in case of a work accident or sickness caused by your work. Prices start from only £36.44 a month for £50,000 of cover.
    Click here for a quick quote


  • 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 4.85/5
  • "All correspondence has always been clear and reply to questions swiftly answered. Cost is very competitive. Would definitely recommend."
  • "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."
  • "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."
  • "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."
  • "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."
  • "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."
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0333 321 1403

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