Umbrella and Payroll Company Insurance

In an increasingly-regulated working environment, it’s important to have insurance in place that fully protects your umbrella company and the employees and contractors who work within it.

We were the first broker to write and introduce an insurance policy specifically for umbrella companies in 1999. Since then we’ve been providing and enhancing our tailored product to meet the industry’s unique and frequently changing needs.

With vast experience and a thorough understanding of the market, we’re able to offer an insurance policy that responds immediately to our customer’s requirements, ensuring they’re fully protected and compliant.

We’re also flexible enough to cater for evolving needs that may arise or indeed be forced upon you.

Our industry-leading Umbrella Insurance product provides maximum functionality whilst affording a comprehensive and wide ranging suite of covers underwritten in one policy by one insurer.

Caunce O'Hara are an FCSA Business Partner

Caunce O’Hara are members of the FCSA, the Freelancer and Contractor Service Association.

What insurance do I need?

Choose from 12 insurance options to build your perfect package, starting with standard covers like professional indemnity and public & employers liability and then select from nine optional extensions.

Professional indemnity
Cover for unintentional breach of contract, negligence, breach of confidence or intellectual rights, defamation and civil liability
Public liability
Cover for legal fees and damages if one of your employees causes injury or damage to your customers or their business
Employers liability
Protection of up to £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. So it’ll help you stay compliant and win new business.

Benefits

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

"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."
"All correspondence has always been clear and reply to questions swiftly answered. Cost is very competitive. Would definitely recommend."
"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."
"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."
"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."