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Small Business Insurance

Quick and easy indemnity and liabilities insurance. Start your online quote now.

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Trusted by over 23,000 clients for their business insurance
Quick and easy online cover for your profession
Rated 4.7 out of 5 by over 3,500 clients at feefo.com
Small business insurance broker

Caunce O’Hara have over 25 years’ experience of providing comprehensive business insurance protection to small businesses, freelancers, contractors, and consultants.

We were one of the first online providers of Professional Indemnity insurance to the freelance sector and have garnered a reputation for comprehensive cover for the self-employed sector. Click to start your online business insurance quote with us today.

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Expert cover for small businesses

With specialist cover for a wide range of small businesses, our comprehensive insurance protects you against the unexpected.

Tailored to your specific business requirements, our flexible and affordable business insurance packages are the simple way to get the cover you need.

Our business insurance policies give you the peace of mind to concentrate on growing your business with the confidence that we are by your side.

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.

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

Frequently Asked Questions

Small business insurance is ideal for self-employed business owners and for self-employed professionals, such as freelancers, contractors and consultants, who own their own limited companies.

Our small business insurance policies offer a broad range of coverage for indemnity and liability claims from clients, employees and members of the public, as well as insurance cover for other instances where costs are incurred as a result of a legal claim or process.

Small Business insurance is a range of comprehensive insurance products that will provide protection for small businesses and business owners from potentially expensive insurance claims.

At Caunce O’Hara we offer a range of business insurance products including:

  • Professional Indemnity insurance – Covers you in case of an alleged claim of negligence in your work you provide for your clients.
  • Public Liability insurance – Provides insurance cover in the event of a claim made by a member of the public for and accident or damages you are alleged to have caused. We offer £1,000,000 of cover as standard, as part of our Business Combined policy, which can be increased up to a maximum of £5,000.000.
  • Employers’ Liability insurance – Covers you for a claim made by an employee for an accident or illness alleged to have been caused as a result of the work they do for you. Caunce O’Hara provide £10,000,000 of cover as standard. Employers’ Liability insurance is a legal requirement if you employ staff.
  • Legal Expenses insurance – Provides up to £100,000 of cover, in any one claim, for costs incurred from a legal occurrence or claim.
  • Business Equipment insurance – A minimum of £5,000 of cover is provided as part of our Business Combined policy, which can be increased to a maximum of £10,000 of cover. Whether you work in an office or from home, this insurance will cover your office contents including computers and electronic office equipment, furniture, stationery and documents whilst within your property.
  • Portable Equipment insurance – A minimum of £1,000 of cover is provided as part of our Business Combined policy, which can be increased to a maximum of £5,000 of cover. This insurance will cover your portable electronic equipment when working away from your own premises or based at a client’s site.
  • Directors & Officers insurance – As a director or manager of a company you can be held personally responsible for your business actions which will have unlimited personal liability. (Only shareholders have limited liability). Directors & Officers Liability protects your personal assets in the event of a claim from such claimants as: creditors, employees, regulatory bodies, customers and suppliers. The policy provides £250,000 of cover as standard, as part of our Business Combined policy, and can be increased up to a maximum of £1,000,000.
  • Cyber Liability insurance – Provides cover from £50,000 to a maximum of £250,000 for instances such as data loss as a result of a data breach or cyber crime.
  • Personal Accident insurance – This policy can provide cover for your loss of earnings while you are unable to work due to an accident or illness caused by your work.
  • Commercial Crime insurance – A Commercial Crime insurance policy can cover you for losses incurred from fraud (including funds transfer fraud), dishonesty, theft from the insured by anyone (whether employed by them or not), bribery, forgery and loss investigation fees.

Small businesses often need other covers, especially if they own premises. Our sister company at Caunce O’Hara Insurance Brokers Ltd offer policies including:

  • Risk management services
  • Business interruption insurance
  • Motor fleet insurance
  • Motor trade insurance
  • Insurance for food and drink industry companies
  • Manufacturing insurance
  • High technology insurance
  • Insurance for importers and exporters
  • Insurance for umbrella and payroll companies
  • Marine cargo insurance
  • Retail and warehousing insurance
  • Insurance for high net worth clients

To contact the broking team, please call 0161 833 2100.

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