Professional Indemnity insurance
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.
Use the link below to go to the online quote and application area (please note the discount is applied at the end of the process, just before you pay)
Example discounted costs:
| Fee Band GBP |
Limit of Indemnity/Premium - GBP (in 000's) | Excess | ||||
| 100 | 250 | 500 | 1,000 | 2,000 | GBP | |
| £0 - 50,000 | 132 | 136 | 160 | 196 | 344 | 250 |
| £50,001 - 100,000 | 167 | 184 | 240 | 296 | 464 | 500 |
| Business Liability £5 million EL and £1 million PL £ 90.00 per annum |
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| £50,000 Legal expenses (IR35 Insurance) available for an extra £60.00 per annum |
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Business Liability insurance
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.
Legal Expenses/Tax investigation insurance
Further savings can be made on Legal Expenses Insurance now just £60 for £50,000 of legal representation to defend you against any tax investigation including those on IR35, S660A & PAYE audit, corporation tax full and aspect enquiries. Jury Service £100 a day cover is also included in this policy as is dedicated helpline to Freelancer tax specialists, Bauer & Cottrell.
The complexities of the tax system can prove a minefield for any company and regardless of how carefully your accountants complete your tax returns, you can still end up involved in a tax dispute. HM Revenue & Customs has targets for the number of Full and Aspect Enquiries to be raised, and the amount of unpaid tax to be recovered, these targets are often exceeded. For the tax year 2004/5 HMRC conducted 38,826 Full Enquiries, 77,786 Aspect Enquiries, 29,409 Employer (PAYE) reviews. A total of 146,021 enquiries/reviews in 12mths.
Key features of these Caunce O’Hara FSA regulated schemes include
- Superior protection (AA rated scheme)
- FREE retroactive cover
- Low excesses
- Credit card or direct debit payment options Online quote, application and automatic download of policy documents
Personal Accident, Sickness & Travel Insurance
Pays out up to a maximum of £1000 per week for up to 52 weeks - after 7 days deferred period, if you are unable to work as a result of an accident or sickness. Cover can be easily organised online without the need for a medical. Discounted premiums start at just £92.48 per annum. Upgrades include travel cover for you & your family.
Special offer to Freelance Alliance Members
Due to our strength in visitor numbers, Freelance Alliance, as part of Freelancer UK, is now able to offer a fantastic 20% saving on normal scheme prices for all of the above insurance products for members of Freelancer Partnership.
Prices for Professional Indemnity are dependent on the fee income bracket of the company (last year's fees). Cover for those in higher fee brackets is available. Insurance Premium Tax of 5% is included in the above premiums.
Join today & save £££'s. Joining the scheme couldn't be easier, members simply apply online in minutes for immediate cover. Please note your discount will be deducted just before you pay.
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