Umbrella Choice

Umbrella Choice is a specially designed package of insurance for umbrella companies, accountancy/payroll and workers using their services. We can also provide insurance for CIS cardholders, single person limited companies and self-employed contractors.

Due to the depth and quality of the cover on offer, it accommodates most high-risk areas for umbrella companies and incorporates a wide definition of “business” coverage.

General features include:

• Flexibility to cater for PSCs, CIS workers and other sole traders where required
• Cover for claims arising worldwide (USA/Canada is available on request)
• No requirement to submit non-standard contracts
• No contractual liability exclusion on Public Liability (PL).
• Cyber and data cover as standard when you purchase either PL or PI cover.
• Business HR automatically included
• Directors and Officers’ Liability up to £100,000 included as standard, subject to insurer criteria being met and when purchasing either Public Liability or Professional Indemnity.
• Includes Criminal Prosecution Defence costs cover in relation to prosecution under Health & Safety legislation and the Corporate Manslaughter and Corporate Homicide Act 2007
• Interest-free installments