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Railway Contractor Insurance

Quick, easy and personalised indemnity and liability insurance for railway contractors.

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Trusted by over 23,000 clients for their business insurance
Quick and easy online cover for your profession
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rail contractor insurance

Railway Contractor insurance has been written to provide cover for the industry-specific risk to contractors in the rail industry, such as something going wrong with a project you are contracted for, or for an accident or property damage that you are allegedly responsible for.

The insurance policy will cover you against potential legal action against you in the event that you make a mistake in your work, imparted negligent advice, or if someone has been injured due to a mistake on your part.

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Experts for insuring railway contractors throughout the UK

Caunce O’Hara currently cover 10,000+ rail workers for railway contractor insurance protection, including: professional indemnity insuranceemployers’ liability insurance and public liability insurance.

We were pioneers of online insurance policies for freelancers and contractors in 1997, and are proud to be able to directly offer multiple lines of cover to railway contractors through our Rail Scheme.

Why do rail contractors need insurance?

Despite significant improvements in rail safety in recent years, the railways have always been viewed as a relatively high-risk industry for rail staff.

Rail workers are vulnerable due to their exposure to high voltage electricity, moving plant vehicles, poor environmental conditions (including adverse weather conditions, poorly maintained and disorganised office space), unsociable working hours, assault from passengers and of course to moving trains!

Carrying the right level of business insurance can give you the peace of mind you need to concentrate on your work knowing that you are covered.

If you are a rail contractor working via a recruitment agency, you may find you are required to carry insurance, such as professional indemnity, public liability and employers’ liability, before you are allowed to start working for them.

Why choose Caunce O'Hara for your business insurance?

As freelance insurance experts, we're your number one choice for your business protection.

Caunce OHara business insurance for contractors and freelancers

Trusted by over 23,000 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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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.
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Excellent Customer service and value for money. Best public liability, professional indemnity and employers liability insurance offer I’ve come across.
Trusted Customer
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Company insurances renewed for another year with Caunce O'Hara. No drama, issues or concerns.
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Frequently Asked Questions

Caunce O’Hara’s Railway Contractor insurance offers comprehensive industry-specific insurance for a broad range of risks faced rail contractors.

Acceptable criteria for coverage includes:

  • Turnover or fee income of less than £250,000 pa.
  • A maximum of 5 employees.
  • No claims or circumstances in the last 3 years.
  • Must be a UK-based company.
  • All UK-based work with no overseas exposure.
  • No previous insurance policy cancelled or declined.
  • Work as part of a team, with no sign-off responsibility for work undertaken.


Business insurance will provide cover for claims including:

Alleged negligent advice

You are contracted to work onsite for a client. You provide product training to a new member of the engineering team. The new staff member does not fully understand how to use the equipment and has an accident, for which  you are alleged to have caused due sub-standard training. Professional Indemnity insurance would cover you in this instance.

Breach of contract

Breaches of contract can include you missing an agreed deadline for delivery of an engineering project, or it can be that you are unable to fulfil an agreed contract and need to terminate the contract early. Professional Indemnity insurance would provide cover for this in the event your client made a claim against you.

You cause an accident while working onsite

You are contracted to work onsite for a petrochemical client and are responsible for the operating functions od the control systems and storage tanks. You overlook an issue with one of the storage tanks, which causes it to breach, injuring a member of staff. This instance you would be covered by Public Liability insurance.

With Caunce O’Hara’s intuitive online quote and buy system you can get an indicative quotation for your engineering contractor insurance in a matter of minutes.

The price of railway contractor insurance depends on your level of perceived risk. Cover options are broken down into high risk, moderate risk, and low risk. E.g.: a contractor working in an office role would be perceived to be at lower risk than a colleague who works on the rail lines.

For a quote call 0333 321 1403

Apart from Professional Indemnity insurance, contractors are likely to be asked to carry Public Liability insurance as part of their contractual obligations to protect the clients’ property and members of staff.

It is also important to note that if you are a self-employed business owner, a claim can be made against you personally with unlimited personal liability, therefore Directors and Officers insurance is a valuable insurance policy which will cover you in this instance.

Legal Expenses insurance will provide cover for costs incurred from a legal occurrence or claim that your indemnity and liability insurance does not cover, including the costs incurred from an IR35 tax investigation.

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