Insurance

If you are unsure which type of cover you need, we suggest that you read our guide to freelancer insurance here.

Caunce O'Hara

We have teamed up with leading broker, Caunce O'Hara, to provide competitive insurance cover for freelancers.

Caunce O'Hara is FSA (Financial Services Act) registered and ABI (Association of British Insurers) registered and has been trading since 1996. They are supported by leading accountants, legal and recruitment companies in the UK.

PROFESSIONAL INDEMNITY

PI insurance cover provides financial protection for your company and is designed to meet the cost of defending claims made against you. Caunce O’Hara are freelance specialists and cover most media and creative professions. Cover is available for marketing, PR, graphic, web and interior designers, new media professions, illustrators, editors and copywriters as well as portrait, wedding, fashion and corporate freelance photographers. Whether you’re a freelance photographer working from home, a studio or occasionally overseas, we offer a superb range of insurance products to suit all your needs.

Organising cover couldn’t be easier! You can get quotes, purchase cover & download policy certificates online in a matter of minutes.

Key Policy Features:

• Choose from five levels of indemnity cover from £100k to £2 million
• Premiums from just £165 per annum
• Free retroactive cover
• Low excesses if you file a claim. (maximum £500)

Provides financial protection for your company and is designed to meet the cost of defending claims made against you, including damages that may become payable - prices from £165 per annum.

Click here for more information on ProfessionalIndemnity Insurance

BUSINESS LIABILITY

Business liability insurance protects you against third party claims for injury or damage to people or their property. With an ever-growing "compensation culture" all businesses, large and small, need to ensure they have adequate insurance. As a business owner you have responsibilities towards your customers and the general public. For example if during a shoot you leave some camera equipment on the ground, which a member of the public or the client then trips over and injures themselves, that person could claim against you for compensation.

Key Policy Features:

• Choose from three levels of Public Liability cover from £1 million to £5 million
• Employers Liability of £5 million included
• Premiums from just £112 per annum
• Includes £5,000 Equipment Cover - 'all risks'
• Includes £2,500 Business Disruption Cover

Click here for more on Business Liability Insurance

LIFE COVER/INCOME PROTECTION

Insurance cover available:

Life Cover
We have teamed up with FreelancerMoney to provide life insurance. This can be a hugely important purchase as unlike most permanent employees you have no employer to pay out should the worst ever happen.

Income Protection
Whilst permanent employees have invariably have the benefit of at least 3 months pay in the event of accident or sickness, as a freelancer you are exposed to financial loss the first morning that you are unable to arrive on site, fit and ready to work. There are ways that you can protect yourself from hardship.