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Personal Accident Insurance

Easy, quick and personalised personal accident insurance.

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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
Personal accident and sickness insurance - contractor sitting on the floor wiping bleeding hand after having an accident.

Personal accident insurance can provide cover for your loss of earnings while you are unable to work due to a work-related accident or illness caused by your work.

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What is personal accident insurance?

Accidents happen when you’re least expecting them and can turn your life upside down in an instant. Being protected by personal accident insurance can give freelance contractors peace of mind that they are insured, if they have an accident that stops them from working, by providing you with a benefit to cover loss of earnings.

Personal accident insurance provides you with a monetary benefit when injury or death is caused by an accident.

If you suffer an accident and are admitted to hospital, or worse, left permanently and totally disabled, personal accident insurance can protect you and your family financially. An accident may leave you unable to work, which as a contractor can mean no income.

Why choose Caunce O'Hara for your personal accident 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

The personal accident policy cover can be extended to include:
• death benefit
• loss of limb or eye
• disability due to sickness or injury
• broken bones benefit
• burns
• facial scarring
• cosmetic reconstructive surgery
• detention, hijack or kidnap
• dental expenses
• funeral & executor expenses
• loss or damage of essential travel documents
• enforced cancellation of an insured journey
• delay due to industrial action, adverse weather or breakdown
• loss, theft or damage to an insured’s baggage
• loss of money during an insured journey
• loss or theft of credit cards during an insured journey
• medical repatriation and emergency travel expenses
• medical expenses
• optional business and holiday travel insurance
• optional sickness extension
• psychological counselling
• recruitment expenses

If you’re self-employed and working as a freelance contractor, being involved in an accident can have a serious impact on your life. If you are unable to work due to a work accident or illness, then the potential loss of income can be detrimental to your ability to pay your bills and maintain your lifestyle.

Any self-employed contractor, especially those working in potentially hazardous environments, can benefit from carrying this policy.

This policy is understandably offered based on your level of risk. Some work environments are potentially more hazardous than others.

The price of the policy can also be influenced if you take part in some contact sports such as rugby or winter sports. To find out the price and the variety of cover levels we offer, simply click the ‘Start your quote’ button.

Professional indemnity insurance (PI) will provide cover for business professionals who provide business services, advice or designs to clients and will cover against claims of negligent work.

Public liability insurance (PL) is designed to protect your business against third party claims for injuries or property damage.

Employers liability insurance (EL) will cover the cost of defending or settling a claim against you from an employee who has suffered injury or disease as a result of the work they do for you.

It is important to be aware that as 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, which is provided as part of our Business Combined Liabilities insurance product.

Legal Expenses insurance will also 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.

Cyber insurance, also known as cyber liability insurance, will cover your business in the event of a malicious attack on your computer systems and your data.

Commercial crime insurance can be beneficial to anyone who ones or runs a business, no matter how large that business is. Theft and other crime can have catastrophic consequences for a business and potentially to those who are connected to that business, such as suppliers and employees.

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