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Railway Contractor Insurance

Comprehensive insurance protection so you can work safely

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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 for: professional indemnity insurance, employers liability insurance and public liability insurance.

Railway contractor insurance

Railway Contractor Insurance available: Public/Products Liability, Employers Liability and Professional Indemnity.

Call 0333 321 1403 today for a quote.

Here at Caunce O’Hara we were the pioneers of online insurance policies for freelancers and contractors in 1997. We are proud to be able to directly offer online railway contractor insurance policies through our Rail Scheme.

UK rail worker insurance cover

Rail contractor insurance policies available to you include:


General acceptable criteria for cover 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.
  • Need to be a UK-based company.
  • All UK-based work – no overseas exposure.
  • No previous insurance cancelled or declined.
  • Work as part of a team, with no sign-off responsibility for work undertaken.

Click here for a quick online railway contractor insurance quote



Below is a list of the rail professions with access to cover under our Rail Scheme.
Green = Low level of risk. Amber = Moderate level of risk. Red = High level of risk.


Click our advertisement below to find out more about our comprehensive insurances for railway contractors.

Rail Engineers Insurance pdf download


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!


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  • Professional Indemnity Insurance

    Professionals should have confidence in their work, but we all know that mistakes can happen. Don’t let those mistakes ruin your freelance career with the support of comprehensive professional indemnity insurance. We offer nine choices of cover from £50,000 to £5m to protect you if a claim is made against you for a mistake that happened as a result of your work which caused your client a financial loss.
    Click here for a quick quote

  • Employers Liability Insurance

    Legally required for your business, we provide £10 million cover if you have to pay compensation or legal fees because your staff get ill or injured at work.

  • Public/Products Liability Insurance

    Cover available up to £5m.
    Increase to £10m - to be referred to our underwriters, dependent on the level of risk.

  • Tax Enquiry & Legal Expenses Insurance & Contract Review

    Protects your business against the costs of legal action taken against you, including contract disputes, debt recovery, tax, VAT and HMRC investigations. £100,000 cover for just £75 a year.
    IR35 Contract Reviews available for only £60.00 per contract when you purchase this policy.
    Click here for a quick quote

  • Personal Accident & Sickness 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

Get in touch

Give us a call and tell us all about your indemnity requirements.

0333 321 1403

We're here for you Mon - Fri 8:30am - 5:30pm

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