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Personal accident and sickness insurance

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Personal Accident and Sickness insurance can provide cover for your loss of earnings while you are unable to work.  

Policy cover can be extended to include:

  • death benefit
  • loss of limb or eye
  • disability due to sickness or injury
  • hijack or kidnap
  • 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

We can arrange personal accident and sickness cover for individual freelancers or group policies for large companies.

Personal Accident and Sickness Insurance

Our policies can be tailored to include sickness and/or travel cover, depending on your individual needs.

Please further information and a quotation please contact our friendly team today on 0333 321 1403 or CLICK HERE to purchase cover online.


Related Articles:

Why Personal Accident and Sickness Insurance is important to Freelancers

Complete your cover

Make sure your business is completely protected. We can also cover you for:

  • Professional indemnity insurance

    Nine choices of cover from £50,000 to £5m to protect you if you’re sued for an accident that happened as a result of your work.

  • Business combined insurance

    Great value, complete cover for your business in one simple bundle. Includes:

    • Public liability insurance for £1 million, with the option to increase to £5m, if you have to visit client premises or they visit yours.
    • Employers’ liability insurance for £10 million, covering you for claims from employees for injury or illness during their employment.
    • Office contents insurance up to £5,000 to protect your office contents, computer equipment and furniture against accidental damage and theft, with optional insurance for portable equipment.
    • Directors’ and officers’ liability insurance from £250,000 if you’re held personally responsible in claims against your business by creditors, employees, customers or regulatory bodies like HMRC.
  • Tax enquiry and legal expenses insurance

    Protects your business against the costs of legal action taken against you, including contract disputes, debt recovery, tax, VAT and HMRC investigations.


  • 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 4.85/5
  • "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."
  • "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."
  • "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."
  • "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."
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Get in touch

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

0333 321 1403

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