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insurance explained

What’s retroactive cover?

Retroactive cover bolts on to your professional indemnity and picks up claims arising from work you did before the policy started. Clever stuff. Here's how.

Professional indemnity or public liability insurance?

Professional indemnity or public liability insurance? What do they do and which one do you need? Both, probably. Here's why.

Your professional indemnity insurance: can you work internationally?

Clients abroad? Then your professional indemnity insurance may not cover you. Find out about geographical and jurisdictional limits and why they matter.

How much professional indemnity insurance do I need?

Deciding how much professional indemnity cover you need can be tricky. How do you work it out? What do you have to think about? Here's a helping hand.

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How much professional indemnity insurance is enough?

Wondering how much professional indemnity insurance you should get? Here's what you need to know about choosing the right level of cover.

What’s employment practices liability insurance (EPLI)?

Employee disputes can happen despite your best efforts. If you're threatened with legal action, employment practices liability insurance has your back.

What’s public liability insurance?

What is public liability insurance? A highly useful ally in helping your business survive modern-day compensation culture, that's what. Find out how.

What is run-off cover?

Run-off cover is a bolt-on to your professional indemnity. Here's how it works and why you need it to protect your past work even after you stop trading.

How much does professional indemnity insurance cost?

One of the most common questions we’re asked is: How much does professional indemnity insurance cost? Here's why there's not (always) a simple answer.

What is directors’ and officers’ (D&O) insurance?

Directors' and officers' insurance is a must if you own or help run a business. That's because you can be held personally liable if things go wrong.

What is employers’ liability insurance?

Employers’ liability insurance is a legal requirement if you have employees. Find out what it does and why you may need it even when you think you don't.

What’s claims made insurance?

Professional indemnity is 'claims made' insurance. Other types of insurance are 'claims occurring'. But what's the difference? And why does it matter?