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insurance explained

What insurance do I need as a freelancer?

Making do without the security of an employer means you need all the help and support you can get. Insurance for freelancers helps keep you safe.

Do I need employers’ liability for freelancers?

Here's a business insurance question we get asked a lot: do I need employers' liability for freelancers? And here's the answer: it depends...

What’s malpractice insurance and why is it different to professional indemnity & public liability?

Find out how treatment malpractice insurance protects you if you injure a client. Also, why professional indemnity and public liability can't help.

Do charities need professional indemnity insurance?

Do charities need protection from being sued? It depends what you do. Find out if you need professional indemnity insurance for charities.

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5 things to ask about e‑commerce insurance

Think you know exactly what e-commerce insurance does and doesn't cover? Here are 5 key questions to ask, so you don't end up out of pocket.

Is short-term professional indemnity insurance worth it?

Can you get away with short-term professional indemnity insurance? Not if you want to sleep easy. It's cheaper but it's much riskier. Here's the low-down.

What does professional indemnity insurance cover?

The easy answer to what professional indemnity covers is ‘claims of negligence made against you by an unhappy client’. But that's only half the story.

What is professional indemnity insurance?

So, what is professional indemnity insurance and how does it work? It's all about protecting you from the fallout of your mistakes, real or alleged.

Are you covered when you’re working abroad?

In the same way countries have borders, insurance policies have geographical limits. Here's how to avoid having a claim refused because you're off-limits.

Why use an insurance broker?

Don’t pick up the phone to that do-it-all, household-name insurer just yet. There are compelling reasons to use an insurance broker instead.

Recruitment consultant insurance: do you have the right cover?

Did you know some recruitment consultant insurance covers the people you place for the work they do, and some doesn't? Find out what sort you have here.

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.