Professional Practices | Freelancer And Contractor Insurance

When you’ve put so much effort into building up your company, you need to keep it safe with our professional practice insurance so your business can continue to thrive and grow.

If you offer advice or consultancy services, professional indemnity insurance is a must-have. Not only is it often required by law or by regulatory bodies, it’s also likely to be a standard condition of most business contracts you sign, so by having insurance in place you could win more business.

With expensive claims for things like negligence from current and previous clients now more common than ever, having the correct type of business protection in place can mean the difference between continuing to trade and facing financial difficulties.

Ensure your business is protected with our simple, effective and great value professional practices insurance protection.

Business insurance protection we offer includes:

Business combined liabilities insurance – This policy includes cover for public liability; employers liability; optional products liability cover; directors and officers; office contents and portable equipment; additional cost of working cover; and optional manual work insurance.
Oil and gas energy contractors insurance
Property owners insurance
Tradesman insurance packages
Insurance for working from home
Professional indemnity insurance – The policy will provide cover in the event that advice, designs or guidance you have provided to a client cause them a financial loss. It will also cover legal costs and expenses incurred in defending a claim as well as compensation payable to your client for loss or damages. Making professional indemnity insurance a valuable business insurance policy for most businesses.

If you require a competitive quote, please call our award-winning team today on 0333 321 1403, or click the green button below to build your business insurance quote online in just a few minutes.

Click here for a quick online business insurance quote

What business insurance do I need?

Choose the right level of cover from the professional practices insurance policies we offer:

Professional Practices PI Insurance
If your business offers professional advice or services, professional practices insurance can help to protect you against the financial blow of compensation claims and legal fees if a client makes a complaint about your work. As a professional practice, this is probably the most important cover you need. Your business will be insured for claims up to £2m if you’re sued for an accident that happened as a result of your work, or if a dissatisfied customer files a negligence claim against you.
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. This is legally required for most companies, and is compulsory for many contracts.
- Office contents insurance up to £50,000 to protect your office contents, computer equipment and furniture against accidental damage and theft, with optional insurance for portable equipment.
- Business interruption insurance up to £500,000 covering you for loss of income during periods when you cannot carry out business as usual due to an unexpected event such as a flood or fire.
Tax Enquiry and Legal Expenses Insurance
For only £75.00 you can protect your business against the costs of legal action taken against you, including contract disputes, debt recovery, tax, VAT and HMRC investigations.
We also offer IR35 Contract Reviews for only £60.00.

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."
"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."
"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."