Business Details
31 Years
experience
Trusted Business Insurance Solutions in Manchester
Established in 1995, Caunce O'Hara has built a reputation as a specialist business insurance broker tailored to freelancers, contractors, and small businesses across the UK. Our expertise lies in providing industry-specific coverage, including professional indemnity, public liability, and cyber insurance, supported by a commitment to customer service. With over 23,000 clients and a 4.8 rating from 4,600+ reviews, we prioritise understanding the unique challenges faced by self-employed professionals. Our team combines sector-specific knowledge with practical experience, offering tailored solutions that align with evolving regulatory landscapes such as IR35.As an FCA-authorised firm and part of the Markel International group, we deliver reliable protection and expert guidance, ensuring clients can focus on their work with confidence. Our content-driven approach, including blogs and knowledge hubs, reflects our dedication to empowering clients with actionable insights. Recognised with the Feefo Platinum Trusted Service Award for five consecutive years, we remain committed to transparency, innovation, and client-centric service.
Services
Professional Indemnity Insurance
Public Liability Insurance
Employers' Liability Insurance
Legal Expenses Insurance
Cyber Insurance
Details
- Year established: 1995
Highlights and features
- 25+ years of specialist experience in business insurance for freelancers and contractors
- Tailored coverage for over 20 professions, including IT, engineering, and recruitment
- FCA-authorised and regulated for compliance and client protection
- Award-winning customer service with a 4.8/5 rating from 4,600+ reviews
- Comprehensive resources including IR35 guidance and industry-specific knowledge hubs
Associations and certifications
- Financial Conduct Authority
- Feefo Platinum Trusted Service Award
What people say
Excellent customer service
Value for money
Smooth process
No drama issues
Trusted for 12 years
Services
Professional Indemnity Insurance
Protects against claims of negligence in professional services, advice, or designs. Covers legal costs and compensation awards for errors or omissions in work. Essential for consultants, IT contractors, and creative professionals facing client disputes.
Public Liability Insurance
Covers third-party injury or property damage claims arising from business activities. Safeguards contractors and freelancers against financial losses from accidents on client premises or public spaces.
Employers' Liability Insurance
Legally required for businesses with employees. Covers costs if a worker is injured or becomes ill due to their job, including compensation and legal fees.
Legal Expenses Insurance
Provides up to 100,000 for legal representation in disputes, tax investigations, or employment tribunals. Starts from 75 annually, offering critical protection for IR35-related tax inquiries.
Cyber Insurance
Covers losses from cyberattacks, data breaches, or system failures. Includes response costs for ransomware, business interruption, and regulatory fines.
Questions
What types of insurance does Caunce O'Hara offer?
We provide professional indemnity, public liability, employers' liability, legal expenses, cyber insurance, and more for freelancers and small businesses.
How much does business insurance cost?
Prices start from £75 annually for legal expenses insurance. Tailored quotes depend on your profession, coverage needs, and risk profile.
Why choose Caunce O'Hara for business insurance?
We specialise in freelancer and contractor insurance with 25+ years' experience, FCA regulation, and a 4.8/5 customer rating.
How do I get a quote?
Visit our website to receive an instant online quote or call 0333 321 1403 during office hours for personalised assistance.
What is covered by legal expenses insurance?
Covers legal costs for tax investigations, employment disputes, contract conflicts, and property issues, with up to £100,000 in protection.
