Business insurance experts for freelancers and contractors

You know your business, we know how to insure it.

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Fast, easy online quote in 90 seconds

No hidden fees or cancellation charges

24hr legal advice helpline and legal hub

The insurance safety net for self-employed professionals

Being self-employed can have huge benefits, but it can be stressful and comes with certain risks.

As a self-employed business owner you are responsible for the products and services that you deliver to your clients. If something goes wrong that is alleged to cause your client a financial loss, then you could be held accountable for the costs.

That’s when our business insurance products can help. Our comprehensive insurance policies enable you to get on with your job, with the peace of mind that you are protected.

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Covered so you can work worry-free

A comprehensive range of insurance policies designed to protect you from life’s uncertainties.

At Caunce O’Hara we offer a range of business insurance covers to freelancers, contractors (including offshore energy contractors), and self-employed business owners, making us the number one choice for you insurance protection.

Cover options available to you include:

  • Professional Indemnity insurance
  • Public Liability insurance
  • Employers’ Liability insurance
  • Personal accident, sickness and travel cover
  • Lega Expenses insurance
  • Portable Equipment insurance
  • Directors and Officers insurance
  • General business contents insurance
  • Commercial Crime insurance
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Insurance that reflects your self-employed status

Get a free online quote for your business insurance today.

To start your personalised business insurance quote, simply click the ‘Start Your Quote’ button. You can see a quote in as little as 90 seconds!

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Business insurance experts for more than 25 years

Caunce O’Hara have been providing insurance to freelancers, contractors and small business owners for over 25 years.

Many of our clients renew with us each year because of our focus on high quality customer service.

Build your quick online insurance quote with us today. Simply click the ‘Start Your Quote’ button.

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Business insurance for freelancers, contractors and small businesses

Choose from our range of insurance protection products below. Simply click for a quick online quote.

For self-employed professionals

Professional indemnity insurance

Protects against claims of alleged negligence in your professional services, advice and designs.

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For self-employed professionals

Public liability insurance

Protects against injuring a member of the public or damaging their property. Click to build a quote online in minutes.

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For self-employed business owners

Employers’ liability insurance

A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.

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For self-employed professionals

Legal expenses insurance

A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.

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For self-employed professionals

Personal accident insurance

Cover for work injuries, illnesses caused by work and compensation awards.

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For self-employed professionals

Commercial crime insurance

Protection for losses from fraud, dishonesty, theft, bribery, forgery, and loss investigations.

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Benefits of Caunce O’Hara business insurance

There are many benefits for freelancers, contractors and self-employed business owners, including:

1
Insurance that gives you peace of mind you are covered.
2
Immediate cover available, with documents issued via email in minutes!
3
Trusted insurance broker.
4
Cover for legal defence costs and compensation bills arising from a claim.

Customer Reviews

We are rated 4.7 out of 5 from 3,500+ reviews on Feefo.com.

Excellent Service every year for this company.
Trusted Customer
Feefo
Dealing with Caunce O'Hara is very easy, either on line or via telephone.
Trusted Customer
Feefo
Good service - rapid response - easy process.
Trusted Customer
Feefo

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Frequently asked business insurance questions

Find out more about our business insurance products here.

If you are unsure if you need professional indemnity insurance, this list of instances when it is advisable to be insured:
▪ You provide an expert service to your clients
▪ You provide consultancy and advice to your clients
▪ You handle personal information and data for your clients
▪ Your professional membership body insists you carry it
▪ Your client insists that you have it

The level of protection you need will depend on the value of the work you do and the potential liability. Caunce O’Hara can help you build the ideal insurance policy that will help protect all areas of your business.
Available limits of indemnity range from £50,000 cover per annum up to £5,000,000 per annum.

▪ Legal expenses – Should a claim be made against you the policy will provide cover to help with the cost of legal proceedings.
▪ Cost of repairs – The cost of repairing damage to the claimant’s property, such as accidentally knocking over and breaking a valuable ornament in their offices during a meeting, or a plumber causing a leak/flood to a customer’s premises and damaging carpets as a result.
▪ Medical fees – The cost of hospital treatment, including ambulance call-out, if a claim is made against you for these.
▪ Compensation claims – Injury to third parties or damage to their property if an accident occurs on your business premises, a client’s premises or elsewhere.

Employers Liability cover is required by law for most businesses. You will need it if:
▪ You deduct Income Tax and National Insurance Contributions from the money you pay your employees.
▪ You have control over where and when your employees work.
▪ You have the right to claim profit made by your employees.
▪ You provide the equipment and materials your employees use.
▪ You need them to perform the job you employ them for and if the employee is unable to provide a substitute if they are unable to work.
▪ You have part-time or temporary employees.