Knowledge Centre

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Find out more about business insurance policies, the differences between them, and how they can help you in the articles in our Knowledge Centre.

The Knowledge Centre aims to make insurance easier to understand so you are fully informed to make a clear decision about your cover.

Knowledge centre articles

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How to keep liability claims to a minimum and minimise the risk to your small business

Liability claims have been steadily rising throughout th...

Written by Phil Ainley
September 14, 2021

An introduction to risk management

Fully understanding the risks your business faces allows you...

Written by Phil Ainley
July 26, 2021

Trade Marks: Everything you need to know from registration to infringement

Trade marks are a type of intellectual property that man...

Written by Katherine Ducie
June 22, 2021

A simple guide to contractor insurance

Business insurance for contractors is designed to protect yo...

Written by Phil Ainley
June 17, 2021

Professional negligence explained

As a contractor you will most likely be used to seeing that ...

Written by Phil Ainley
June 14, 2021

What is Directors & Officers insurance? D&O insurance explained

As a consequence of our increasingly litigious society, the ...

Written by Phil Ainley
June 11, 2021

Which are the best liabilities insurance policies for energy contractors, and why?

A simple guide to insurance for energy contracto...

Written by Phil Ainley
May 12, 2021

Public Liability insurance vs Employers’ Liability insurance vs Product Liability insurance – the liability insurance differences explained

How does public liability (PL) insurance work? Public liabi...

Written by Phil Ainley
May 10, 2021

What’s the difference between a freelancer, a contractor, a sub-contractor, and a consultant?

Recent statistics showed that there are 4.7 million people i...

Written by Phil Ainley
April 13, 2021

Key points to consider before starting your own business

Ask yourself why? Whether you are looking to go freelance a...

Written by Phil Ainley
April 7, 2021

How to register your business at Companies House

There is a lot to think about before you decide to set up yo...

Written by Phil Ainley
March 17, 2021

What is Commercial Combined Insurance?

Commercial Combined Insurance or sometimes referred to as Bu...

Written by Katherine Ducie
December 16, 2020

Which insurance policies protect railway contractors? A guide to rail contractor and rail engineer insurance

Caunce O’Hara are specialists for insuring UK rail con...

Written by Phil Ainley
December 14, 2020

What are contractor blanket decisions and why do companies use them?

From April 2021, reforms to the private sector will be s...

Written by Katherine Ducie
July 8, 2020

What is a Status Determination Statement (SDS)?

A status determination statement is a written statement ...

Written by Katherine Ducie
July 8, 2020

IR35: What is ‘reasonable care’?

From April 2021, end-clients engaging with contractors in ...

Written by Katherine Ducie
July 3, 2020

Support for contractors during the Covid-19 outbreak

The Government has outlined several areas of support whi...

Written by Phil Ainley
May 20, 2020

FAQs for Employers on Ending Furlough and Requiring Employees to Return to Work

FAQs guidance for employers ending furlough and requiring ...

Written by Phil Ainley
May 13, 2020

CIS deductions affecting cash-flow

Question: My client company is a construction sub-contracto...

Written by Phil Ainley
April 29, 2020

COVID-19: Legal advice for contractors

There is a vast amount of information available at the momen...

Written by Phil Ainley
April 6, 2020

How does an Umbrella company work?

What are the advantages of working for an Umbrella company...

Written by Phil Ainley
March 3, 2020

Do I need insurance if I close my business?

Don’t think that because your company has stopped trading ...

Written by Phil Ainley
February 21, 2020

Which insurance is the best for engineers and engineering contractors?

Caunce O’Hara offer bespoke insurance policies t...

Written by Phil Ainley
November 27, 2019

A simple guide to business insurance for freelancers and contractors

The inexorable growth of the freelancer and contractor m...

Written by Phil Ainley
November 26, 2019

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Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.

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