Welcome to Umbrella Insure - Comprehensive business insurance cover for Umbrella & Payroll Companies and Recruitment Agencies

Umbrella Insure is a market-leading business insurance product from the award-winning insurance brokers at Caunce O'Hara Insurance Brokers 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.

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 arranged insurance for 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.

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.

Competitive quotations and further information about Umbrella & Payroll Insurance can be obtained through our experienced broking team by calling 0161 833 2100

FCSA Business Partner

Important - Beware of tax avoidance schemes!

As your employer, all Umbrella & Payroll Companies should calculate your pay in exactly the same way.

Those who promise retention of 80% or more of your pay will NOT be compliant.

Caunce O’Hara Insurance Brokers Ltd is one of the UK's leading independent commercial chartered insurance brokers. The company was established in 1995 and currently provides insurance cover for approximately 40,000 business clients.

Caunce O'Hara's commitment to innovation and technology enabled the company to be the first to offer online professional indemnity insurance to the freelance sector. The company's commitment to customer service has seen it win numerous awards, including 'Best use of e-Commerce' at the UK Broker Awards and twice named 'Broker of the Year' at the Manchester Insurance Awards. The company is Feefo Gold Rated for customer service.

Insurance Broker Awards Caunce O'Hara

Call Now Button0161 833 2100