Why Do I Need Insurance?

If your actions lead to anything being damaged or someone being injured; or any advice you provide or work you complete results in a client losing money, a claim could be made against you. Having appropriate insurance could be what keeps you in business.

What Types of Cover Do I Need?
  • Professional Indemnity
  • Employers’ Liability
  • Public Liability
Who is my Policy Underwritten by?

Professional Indemnity

This covers you if you are accused of professional negligence, making an error or omission, or giving bad advice which results in your client losing money. This provides cover for legal defence costs and damages awarded against you.

Employers’ Liability

This provides protection against claims from employees. It is compulsory for almost all UK businesses. Regardless of your set-up, this is often insisted  upon by clients who may require you to comply with a standardised contract.

Public Liability

This provides cover if someone is injured or property is damaged as a result of your actions whilst supplying services. Whether you are on your own premises or at a client’s site, you have a duty to protect anyone who might be affected by your activities.


Professional Indemnity Cover

Up To £1 Million

Public Liability Cover

Up To £5 Million

Employers Liability Cover

Up To £10 Million

Personal Accident Cover

Up To £100,000 or £500 p/w

Directors’ and Officers’ Liability Cover

Up To £100,000

Legal Expenses Cover

(optional extra)
  • One package, full cover
  • A policy that complies with contract terms
  • Instant access to policy documents
  • Flexible payment options
  • Cover for previous work
  • Business insurance is a key IR35 indicator
  • It’s also a tax deductible business expense
  • A price promise guarantee