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Umbrella and Payroll Insurance

Protect Your Umbrella Company with Confidence

Operating in a complex and highly regulated contracting environment, having the right insurance isn’t just important – it’s essential. Your umbrella company, along with the employees and contractors who rely on it, deserves complete protection and peace of mind.

That’s where Caunce O’Hara Insurance Brokers Limited (COHIBL) comes in. As the first broker to design an insurance policy specifically for umbrella companies back in 2000, we have been leading the way for over two decades. Our expertise and commitment mean you benefit from a product that’s continually refined and enhanced to meet the industry’s unique and ever-changing requirements.

Our expertise and deep understanding of the market mean we can deliver policies that respond quickly to your requirements – keeping you fully protected and compliant. And because business never stands still, our flexible approach ensures your cover adapts as your needs evolve.

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Comprehensive Cover, Simplified

With unrivalled market knowledge and a proactive approach, we deliver insurance that responds quickly and effectively to your requirements – ensuring full protection and compliance at all times. And because business never stands still, our flexible solutions adapt as your needs change.

Our Umbrella Insurance product combines maximum functionality with a wide-ranging suite of covers – all underwritten by one insurer in a single streamlined policy. This means less complexity, better protection, and complete peace of mind. Simple. Secure. Complete.

Our dedicated in-house claims team is ready to support you whenever you need to rely on your umbrella insurance.

You can find answers to some of your most commonly asked umbrella insurance questions in our blog ‘Umbrella Insurance – what you need to know’

Business Insurance for Umbrella Companies

COHIBL has been insuring umbrella companies for more than 20 years and today works with over 100 umbrella and payroll businesses across the UK. We were the first broker to develop bespoke policy wording for this sector, and we hold full underwriting authority – allowing us to assess risks and set premiums accurately.

We offer three specialist umbrella company insurance options:

  • Comprehensive Umbrella Cover: Protection for your company and contracted employees.
  • Block Policy: Covers your company and all Personal Service Companies (PSCs) you work with, each with its own Professional Indemnity limit.
  • White Label Insurance: Offer discounted cover via your website to boost sign-ups and retention.

Don’t leave your umbrella company exposed. Get specialist umbrella company insurance from the UK’s leading umbrella insurance broker. Stay compliant, safeguard your contractors and employees, and enjoy comprehensive cover in one policy.

Discuss your insurance with umbrella insurance experts and discover why we’re the trusted choice for umbrella company protection in the UK.

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