Business insurance

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Do I need business insurance?
Taking out some form of insurance is highly recommended and in fact, required, if you employ people, operate company vehicles or own property.

What are the benefits of business insurance when operating a limited company?

There are lots of benefits why insurance is important:-

  • Stay protected from loss of income due to circumstances that might result in your limited company not being able to trade.
  • Stay covered against theft, break-in, crime or other damage.
  • Stay protected against professional wrong-doing, defamation etc .

Why choose Caunce O'Hara as your insurance provider spelialist

Caunce O’Hara has been providing business insurance protection for freelance professionals and self-employed small business owners since 1995

How Caunce O'Hara can help with your insurance requirements

Sector-specific support

A wide range of insurance cover that is tailored for self-employed professionals from all sectors including engineering, IT, business consultancy, construction, creative media, teaching & education, social work & care, and many more.


Comprehensive insurance protecting you against the unexpected.


Flexible cover, tailored to your specific business requirements.

Expert support

More than 25 years’ experience looking after small business insurance.


Dedicated handlers to assist with your queries and documents issued instantly via email for simple cover.

Insurance that can be provided

Professional Indemnity insurance - Public Liability insurance - Employers’ Liability insurance - Tax enquiry & legal expenses cover - Personal accident insurance - Directors & officers insurance

Get 10% discount when you order via Clever Formations

Insurance facts and guidance

We'd always recommend you take professional advice before proceeding with purchasing insurance.

What business insurance do I need?

You will need to consider your risks when you operate a company. Some of the questions you may need to answer are:-

  • Do you provide professional advice?
  • Do you send goods to customers and do you hold stock?
  • Do you own premises?
  • Do you have employees?
  • Do you have equipment - e.g. office furniture, computers?
  • Does the company own any vehicles?
  • Are you worried about loss of income?

If you answer 'yes' to any of the above, you will probably need some kind of insurance to protect what you do, or what you own.

How much business insurance do I need?

This will be dependend on many factors and the level of insurance will be based upon the type of insurance needed. For example, Professional Indemnity insurance (cover for the advice you provide) may need to be much higher compared to insuring a vehicle, which is based upon the market value.

If I employee staff, do I need insurance?

Yes, you will need to obtain a minimum of Employers' Liability Insurance and Public Liability Insurance to cover your employees and what they will do.

Do I need insurance if I work from home?

Yes, you may need to consider what type of insurance you will need. Don't forget, home contents insurance may not cover business activities and if you employee staff who work from home, you will still need Employers' and Public Liability as a minimum.