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Umbrella and Payroll Company Insurance

Call our Umbrella Team on 0333 321 1403 for a quotation

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The umbrella insurance product is offered by our partners at Caunce O’Hara Insurance Brokers Limited. To find out more please visit or call 0161 833 2100

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.

Caunce O’Hara were the first broker to write and introduce an insurance policy specifically for umbrella companies in 2000. 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. Click the Umbrella Insure logo to find out more.

Umbrella Insurance


Umbrella Insure is a market-leading business insurance product from the award-winning insurance brokers at Caunce O’Hara & Co Ltd.

All the policies have been created specifically for the Umbrella & Payroll Industry and provide comprehensive cover for the unique requirements of today’s fast-paced businesses.

For many contractors embarking on a new contract the first port of call is often an umbrella company for payroll and associated services.

The umbrella company acts as your employer and once you’ve signed a contract with your umbrella they will pay you, make deductions of taxes, provide you with statutory pay where appropriate, arrange a work place pension for you, provide you with insurance and deal with HMRC on your behalf.

Some umbrella and payroll companies will provide you with other benefits such as discounts on certain products and services, offer childcare vouchers and deal with your agency and provide references when required.

100+ Umbrellas Insured For Over 20 Years

Caunce O’Hara has been insuring umbrella companies since 2000 and today has over one hundred umbrella and payroll companies as clients. We were the first broker to develop a bespoke insurance policy with a specific policy wording to meet the needs of those in the sector. We were the first broker to insure an umbrella operation.

Caunce O’Hara holds full underwriting authority on behalf of insurers meaning that we can consider risks that umbrella companies face and set premium rates accordingly. Our efficient and dedicated in-house claims team is on hand to assist you in the event you need to call on your insurance.

The cost of insurance is often the second largest overhead an umbrella company has after staff costs. It’s therefore important to review premium spend.

The umbrella and freelancer work space has changed considerably over the years and Caunce O’Hara has adapted and innovated to ensure the sector is well served. Today we have the ability and capacity to insure umbrella company workers in hundreds of trades, occupations and professions including perceived high risk roles for a range of market sectors.

With our comprehensive insurance, tailored for your umbrella company, you’ll know you’re protected.

You’ll benefit from competitive premiums, sector specialism and flexible coverage options, whilst receiving great support from our expert advisers and handlers.

Protect your business, your way

Our four specialist umbrella company insurance options are:

  1. Comprehensive umbrella cover: insurance for your company and your contracted employees.
  2. Block policy: covers the company and all personal service companies (PSCs) to which the company provides its services. Importantly, our Professional Indemnity cover is without an aggregate policy limit which means that each and every personal service company (PSC) enjoys its very own limit of cover without fear of a shared limit of cover being exhausted by another personal service company (PSC). All PSCs will be furnished with a verification certificate detailing their cover as part of your overall block policy.
  3. Set individual policies: if you’ve got appointed representative status, you can offer insurance directly to PSCs, including the capability to issue policy documents to set up cover quickly and easily for your PSCs.
  4. White label insurance: Via an introducer agreement, encourage sign-up and increase retention by offering discounted cover to PSCs on an individual basis, giving the freedom for the PSC to choose its own insurance package through your company’s website.

For more information about business insurance for your umbrella company please contact Mark Lloyd on 0161 833 2100

How does an Umbrella company work?

Improved cover for freelancers and contractors, PSCs and Umbrella companies

IR35 and Umbrella companies – how does contracting through an Umbrella company make a difference? 

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.


  • 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
  • "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."
  • "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."
  • "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."
  • "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."
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