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Umbrella choice

Umbrella choice - insurance for umbrella companies

Umbrella choice is an insurance solution specifically designed for umbrella companies and companies offering accountancy and payroll services.

Umbrella choice also provides insurance for the Construction Industry Scheme (CIS), single person limited companies and other self-employed contractors.

When it comes to what umbrella choice can cover, we take a broad and flexible approach so even if your company works in high-risk areas, it’s worth finding out how we can help you.

Join us at our Recruitment Resilience event:

4:00pm - 6:00pm | 14th May | Marsh McLennan, Tower Place East, 3 Lower Thames St, London EC3R 5BU

General features of our insurance for umbrella companies include:

  • flexibility for Personal Service Companies (PSC’s), CIS workers and other sole traders
  • world-wide claims cover (USA/Canada is available on request)
  • no need to submit non-standard contracts
  • no contractual liability exclusion on public liability (PL)
  • cyber and data cover* includes; cyber business interruption, cyber extortion, privacy protection and media liability to a limit of £250,000.
  • access to both an online HR system and an online risk management platform containing a library of Institution of Occupational Safety and Health approved eLearning courses and document templates including health and safety policies, risk assessments and guidance documents, free of charge
  • directors and officers liability up to £100,000*
  • criminal prosecution defence costs cover concerning prosecution under health and safety legislation and the Corporate Manslaughter and Corporate Homicide Act 2007
  • interest-free instalments
  • drivers negligence insurance available
  • medical malpractice available up to £100,000
  • cover for the dishonest acts of contractors.

*Subject to purchase of public liability or professional indemnity, insurers acceptance criteria, and for companies whose turnover does not exceed £25million.

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