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insurance explained

What’s an insurance excess?

An insurance excess is the amount you pay towards a claim. Usually, the higher your excess, the lower your premium (and vice versa). But not always ...

How to work out your professional indemnity insurance level of cover

There's no simple answer as every business is different. But here's what to consider when deciding on your professional indemnity insurance level of cover.

Business insurance brokers: online or offline?

It’s the 21st century and buying stuff online is easy and, for many, the default choice. But does the same apply to business insurance? 

Why you should keep your insurance broker updated

Changing address, increasing turnover, new business activities, a new company name and increasing your level of cover all have ramifications.

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Is your insurance ‘any one claim’ or ‘in the aggregate’?

Is your professional indemnity insurance ‘any one claim’ or ‘in the aggregate’? And why does it make a difference? As always, it's all to do with money...

What is professional liability insurance?

Professional liability insurance, professional indemnity, public liability, personal indemnity. All the same, right? No. Here's why.

What do you do when a client refuses to pay?

A client not paying is bad news. But it doesn't need to mean a battle in the small claims court. Here's how your professional indemnity insurance can help.

Check the wording of your IT industry insurance policy

Professional indemnity for IT consultants isn't simple. With so many different roles, come so many different risks. Check your policy wording.