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Quote in less than 2 minutes

Get competitive cover for photographers, in a flash.

Answer a few quick questions about your business and we’ll do the rest. Easy.

Quote in less than 2 minutes

Get competitive, specialist cover the quick and easy way.

Answer a few quick questions about your business and we’ll do the rest.

What does your business do?

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If you can’t see a close enough match for what your business does, or it does more than one thing, please get in touch.

What type of engineering do you do?

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If you can’t see a close enough match for what your business does, or it does more than one thing, please get in touch.

What type of work do you do?

?

If you can’t see a close enough match for what you do, please get in touch.

What type of work do you do?

?

If you can’t see a close enough match for what you do, please get in touch.

What type of work do you do?

?

If you can’t see a close enough match for what you do, please get in touch.

What type of consulting do you do?

?

If you can’t see a close enough match for what your business does, or it does more than one thing, please get in touch.

What’s your business’s annual income?

We need this to work out what your insurance costs. It’s a guide to how much work your business does and therefore how much risk it faces.

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Also called ‘turnover’, ‘revenue’ or ‘earnings’, this is how much money your business makes in a year.

The figure from your last full year’s trading is best, excluding VAT. If your business is less than a year old, or you’re just starting out, your best guess is fine.

How much of your £ turnover comes from selling to the USA and Canada?

What cover do you need?

Professional indemnity insurance Mistakes, misunderstandings and client complaints

Treatment liability insurance Mistakes, misunderstandings and client complaints

Public and employers’ liability insurance Personal injuries and property damage

Property and contents insurance Lost, stolen or damaged business equipment

Property insurance Lost, stolen or damaged business equipment

Directors’ & officers’ insurance Legal action against management

Cyber insurance Hacks, data breaches and GDPR fines

None of the above

What cover do you need?

Trustees’ insurance Legal action against your trustees and decision-makers

Public liability insurance Injury or damage to people and their property

Employers’ liability insurance Injury or damage to your staff and helpers

Property and contents insurance Lost, stolen or damaged equipment and stock

None of the above

Do other people work with or for you?

Include anyone under your supervision such as employees, freelancers and volunteers.

Yes No

?

So you know, the Health and Safety Executive considers all these 'employees':

Unpaid volunteers and interns
Work experience students
Labour only subcontractors
Temps
Secondees
Apprentices
Helpers
Staff borrowed from other companies

Note: even if someone is self-employed for tax purposes, they might be classed as an employee for other reasons. For example, if you use freelancers but you dictate where and when they work, and provide their equipment, you could be liable for their welfare. Even though they're not, strictly speaking, employees you might need employers’ liability insurance to cover them.

Including you, how many people work in your business?

?

The Health and Safety Executive considers these as people who work in your business ('employees'):

Unpaid volunteers and interns
Work experience students
Labour only subcontractors
Temps
Secondees
Apprentices
Helpers
Staff borrowed from other companies

Note: even if someone is self-employed for tax purposes, they might be classed as an employee for other reasons. For example, if you use freelancers but you dictate where and when they work, and provide their equipment, you could be liable for their welfare. Even though they're not, strictly speaking, employees you might need employers’ liability insurance to cover them.

Including you, how many of those who work in your business do you wish to cover under this policy?

What’s your annual wage bill?

This is the total amount of money your business pays out in salaries, wages and bonuses in a financial year. It should include your salary, if you take one, but not any dividends you pay to yourself or anyone elseorganisation pays all permanent employees.

If you don’t have an annual wage bill, or if you’re a new business and you’re not sure what it'll be, please put ‘0’.

If you don’t have permanent employees, or you’re new and you’re not sure what your wage bill will be, put ‘0’.

Do you design and build websites or apps that have to comply with the Payment Card Industry Data Security Standards (PCI/DSS)?

Yes No

Do you need an ACCA, ICAEW, ICAI or ICAS approved policy?

Membership of these associations usually means your insurance needs an approved policy wording. Answer 'Yes' and we'll make sure yours has.

Yes No

Is any of your work in relation to pollution or contamination?

Yes No

Is your business limited to the following activities?

Energy assessments for residential properties
Energy assessments for commercial properties
Ecological consultants

Yes No

Is your business limited to the following activities?

Building services (including mechanical)
Electrical inspections
Portable appliance testing
Feasibility studies
Expert witness
Heating, ventilation and air conditioning engineering
Planning supervision

Yes No

Are you, or any of your principals a chartered surveyor?

Yes No

How much experience do you have as an estate/letting agent?

Less than a year Between one and three years More than three years

Is your business limited to the following activities?

Residential estate agency (excluding any property management)
Residential lettings (excluding any property management)
Insurance and IFA commissions (introductions to third parties only)
Expert witness

Yes No

Is your business limited to the following activities?

Health and safety audits
Drafting health and safety policies
Fire risk assessments
Health and safety training

Yes No

Do you work outside the UK?

Answer ‘Yes’ if you ever travel to other countries to work. Also answer ‘Yes’ if you work for clients based outside the UK or on contracts written under non-UK law.

Yes No

Do you work outside the EU?

If you sometimes travel to non-EU or non-European countries to work, answer ‘Yes’.

Also answer ‘Yes’ if you work under non-EU law contracts – even if you do the work in the EU.

Yes No

How much of your turnover comes from working in:

United Kingdom

Ireland

Europe (excluding UK and Ireland)

USA & Canada

Rest of the world

Total

0 %

?

Please give us an idea of how much work you do where. Work out roughly what percentage of your annual turnover you generate in each of the geographical areas listed, making sure the total adds up to 100%. If you do all of your work in one geographical area only, make that figure 100% and leave everything else as 0%.

How much of your turnover comes from contracts subject to the laws of:

United Kingdom

Ireland

Europe (excluding UK and Ireland)

USA & Canada

Rest of the world

Total

0 %

?

We need to know which country’s laws the work you do is governed by. Contracts are sometimes written under one country’s laws while the actual work is carried out elsewhere.

Work out roughly what percentage of your annual turnover comes from contracts written under the laws of each of the geographical areas listed. Please make sure the total adds up to 100%. If you do all of your work under the laws of one geographical area only, make that figure 100% and leave everything else as 0%.

What's your largest US or Canadian law contract?

We need your largest fee income from a US or Canadian law contract

Do any of your beauty activities fall outside of the below?

Temporary hair removal and bleaching
Hair dressing and barbering
Makeup (excluding semi-permanent make up) and spray on tan applications
Nail extensions and treatments
Eyelash and eyebrow treatments
Facials
Facial peels (glycolic under 40% strength)
Body wrapping
Ear piercing
Massage
Electrolysis for hair removal and thread vein treatment

Yes No

Do any of your additional activities fall outside the list below?

All therapists performing these treatments must have an NVQ Level 3 in hair and beauty treatments or equivalent.

Microblading
Dermaplaning
Microdermabrasion
Hyperdermabrasion
Micro-pigmentation
Semi-permanent make up
Mesotherapy via microneedling
(including dermaroller, dermapen and dermastamp)
Hydrafacial
Electrical facial treatments including CACI
LED light therapy (Dermalux)

Yes No

Do you perform any injectable treatments?

If yes, we'll restart this quote to cover "Aesthetics" treatments.

Yes No

More about your business

Please tick as many boxes as you need to.

If you’re not sure what to tick, or you can’t see what you do, call 0345 561 0320.

Are all procedures performed by a surgeon, doctor, registered nurse, pharmacist, paramedic, dentist, dental therapist or dental hygienist?

Yes No

We can provide a package of medical malpractice, professional indemnity and public liability.
Is this the insurance you're looking for?

Yes No

Do you have insurance with, or a quote from, Beazley?

Yes No

What’s the largest single fee you’ve charged a client in the last 3 years?

What’s the total value of the largest project you’ve worked on in the last 3 years?

We need the total cost of the whole project, not just the part you worked on.

What has been your average contract value in the last three years?

As in the average £ value of the contract to you.

What has been your longest contract in the last three years?

What is the value of your largest mailing contract?

This is the total value to your client, rather than the amount they're paying you. The insurer is looking for an idea of worst-case scenario if it all goes wrong and you're liable.

What is the size of your largest mailing contract by number of items mailed?

More about your business

Please tick as many boxes as you need to.

If you’re not sure what to tick, or you can’t see what you do, call 0345 561 0320.

Which "Band C" treatments do you provide?

Please tick as many boxes as you need to.

Laser – non surgical Vulvo-vaginal reuvenation

Laser (Ablative) /IPL skin types 1-6

Laser Hair Removal

Non-surgical treatments for nose and sinus allergies using U/V Phototherapy

Radio Frequency for Vaginal Treatments

None of the above

More about your business

Please say, roughly, how you split your work.

Total

0 %

100% left to allocate

Do you hold an NVQ Level 3 or equivalent beauty qualification and have more than six months experience in performing injectable treatments?

Yes No

Do you have at least 12 months experience in advanced beauty treatments that pierce the skin (eg. micro-needling)?

Yes No

Do you supply or sell any products?

Yes No

Do you operate as an individual and/or a sole trader?

Yes No

Do you operate as an individual and/or a sole trader?

Yes No

Are you qualified and/or certified to perform your business activities?

Yes No

Do you do any of the following?

aesthetic or cosmetic procedures
any teeth whitening without the prescription from a General Dental Council (GDC) registered dentist
medical services to professional sports individuals or elite athletes
birthing, obstetric or fetal scanning activities
surgery other than the removal of non-cancerous moles, skin tags, cysts, milia or warts
any e-consultations or provide any advice given over the internet including the online prescribing of drugs
any spinal joint manipulations
treatments relating to clinical trials
duties for a 111 or 999 service provider other than an advisory role for medicine management or as a direct referral from a 111 service provider
out of hours or remote services without access to a General Medical Council (GMC) registered general practitioner or a General Dental Council (GDC) registered dentist at all times

The policy we'd like to quote does not cover claims from these activities.

Yes No

Please tell us which other activity you do, and if you would like us to provide cover for that activity

aesthetic or cosmetic procedures
any teeth whitening without the prescription from a General Dental Council (GDC) registered dentist
medical services to professional sports individuals or elite athletes
birthing, obstetric or fetal scanning activities
surgery other than the removal of non-cancerous moles, skin tags, cysts, milia or warts
any e-consultations or provide any advice given over the internet including the online prescribing of drugs
any spinal joint manipulations
treatments relating to clinical trials
duties for a 111 or 999 service provider other than an advisory role for medicine management or as a direct referral from a 111 service provider
out of hours or remote services without access to a General Medical Council (GMC) registered general practitioner or a General Dental Council (GDC) registered dentist at all times

Do you want your insurance to cover both yours and your placements' negligence?

Yes No

Do you want your insurance to cover physical damage caused by both you and your placements?

Yes No

You can be held responsible for errors or damages caused by the people you place. This is called 'vicarious liability'. Clicking 'Yes' means you're protected if a client sues you for something that's not directly your fault.

What is the total annual payroll for staff that you place?

Do you agree to use non-standard contracts?

Among other things, it's likely a non-standard contract asks for you to be responsible for people or activities outside your normal scope. Your best bet is to check the non-standard clauses and call us on 0345 561 0320 if you're not sure.

Yes No

What percentage of your total fee income relates to non-standard contracts?

What percentage of your total placed payroll relates to non-standard contracts?

Are you or any partner/director a member of RICS?

We need to know so we can give you a policy that’s RICS-approved, as that’s a condition of your membership. RICS membership also requires a minimum level of professional indemnity cover, based on your income.

Yes No

When did your business start trading?

If your business started trading before 2010, we’ll have to have a quick chat. Please call us on 0345 561 0320

Do any of your past, current or planned contracts involve basement works?

Answer 'yes' if past or current work includes consultancy on, or actual design/engineering of, basements. If there's a chance future contracts could include basement work but don't as yet, answer 'no' for now and get in touch if things change. We'll ask your insurer to review your policy if and when the time comes.

Also answer 'no' if past projects involved properties with a basement but your work wasn't in relation to it.

Yes No

Are you an individual contractor working as part of an organisation’s broader workforce under their supervision, direction and control with all work signed off by a permanent member of staff?

Yes No

Do you sell, supply, make, install, repair or service any products?

In this context, a 'product' is a physical thing (like, say, a chair) rather than something less tangible (like, say, computer software). If you're not sure how to answer, please call 0345 561 0320.

Yes No

Roughly how much of your annual income is from selling, supplying, making, repairing or servicing products?

What’s your business called?

We need your business's full legal name or the name you trade under.
This will go on your policy documents.

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Sole traders – state your name in full. Include your trading name if you have one, eg John Smith trading as John Smith Photography.

Firms and partnerships – state all names in full, eg John Smith and Joan Smith trading as Smith Photography. Include 'LLP' if your firm is one.

Limited companies – state your full company name, including the word ‘Limited’ or Ltd’. Note that limited companies can’t ‘trade as’, eg John Smith trading as John Smith Photography Limited.

What’s your business address?

This should be the place you usually work from.

Or enter address manually

Please enter a postcode

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This could be your home address or an office address. If you move from client to client or you like to work in various shared spaces, your permanent correspondence address is best.

If you need a quote for office contents, computers, public or employers' liability, buildings or business interruption insurance, we’ll need the place your things are permanently kept and/or where you and your people work.

If you need to split cover between addresses, please call us on 0345 561 0320.

Sorry, but we can only cover UK-based businesses.

What’s your name?

First name

Last name

What’s your phone number?

We won’t pass on or sell your number to anyone and we only call if we have to.

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Your home, business or mobile number is fine. Please remember we need the dialling code too.

Generally, we don't call our customers unless there's a problem with their policy.

Just so you know, we're not interested in selling or passing on your phone number to third parties (except where the law says we have to).

What’s your email address?

For sending your quote. We don’t share or spam.

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Where possible, we do everything by email. We'll send your quote – and your policy documents if you decide to buy – to the email address you give us.

We'll also send you risk tips and useful (we hope) information every now and then. It goes without saying you can opt out of these emails at any point.

And finally, did a PolicyBee customer give you our details?

Yes No

Please tell us who

We need their name or their business name. You both get £20 if you buy your insurance from us – we call it Pass It On.

What kind of building work do you do?

Private Domestic Housing - Newbuild

Private Domestic Housing - Alteration and Repair

Commercial - Newbuild

Commercial - Alteration and Repair

Other/All Premises

Do you do anything else?

As well as "Hairdressing", you can add up to three more business activities.

Does your organisation have assets, travel or undertake any activities outside of the UK?

Yes No

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If you answered 'yes', we may still be able to help, but we'll need to have a chat first. Please call us on 0345 222 5399.

Do you require cover for claims relating to abuse?

Answer ‘Yes’ if your organisation has contact with children and/or vulnerable adults.

Yes No

Is your organisation registered in the UK or, if unregistered, based in the UK?

Yes No

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If you answered 'no', we may still be able to help, but we'll need to have a chat first. Please call us on 0345 222 5399.

Does your organisation own, manage or administrate any of the following?

A shop or warehouse
A drop-in centre
A care home
A hospice
A children's nursery
An animal shelter or rescue
A residential drug or alcohol facility
A facility supporting homelessness, refugees or asylum seekers
A swimming pool, sports centre or arena
A place of worship

Yes No

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If your organisation simply fundraises for one of the facilities listed, or signposts people to them, please carry on by answering 'No'.

But if you act as a service provider for any of these facilities, we'll need to have a chat. Please call us on 0345 561 0320 and we'll see if we can still cover you.

Does your organisation engage in any of the following?

Environmental or governmental campaigning or lobbying
International or overseas aid
Regulation or certification
Accountancy, financial or legal advice

Yes No

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By 'regulation or certification', we mean certifying people's qualifications or acting as a regulator.

Does your organisation provide services related to any of the following?

Human rights or the prevention of cruelty or abuse
Mental or sexual health
Medical or surgical research, care, advice, diagnosis or treatment
Homelessness, refugees or asylum seekers

Yes No

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If your organisation simply fundraises for one of the services listed, or signposts people to them, please carry on.

But if you provide actual services in any of these interest areas, we'll need to have a chat. Please call us on 0345 561 0320 and we'll see if we can still cover you.

Please note that bodily or personal injuries arising out of any treatment or care provided by you are not covered.

How many people work with you or help you out?

Full-time employees

Part-time employees

Trustees

Volunteers

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Include everyone who helps out in the course of a year and divide them into:

paid full-time or part-time employees
unpaid trustees and volunteers

The Health and Safety Executive considers all the following to be employees in terms of their welfare:

Apprentices
Freelancers, if you provide their equipment and dictate when and where they work
Interns
Labour-only subcontractors
Secondees
Staff borrowed from other companies
Temps
Trustees and directors
Volunteers
Work experience students

Is your main role to process and handle financial services complaints?

Yes No

Are you involved in construction project management?

Yes No

Are you involved in construction health & safety?

Yes No

Do you need to cover any architectural design work?

Yes No

What's your GDC number?

Are you a practice owner/principle?

Yes No

Do you work as a locum?

Yes No

How many years have you been practicing in the UK?

How many sessions do you work per week?

What’s your gross annual income from dental practice (before expenses)?

What’s your gross annual income from non-dental aesthetic treatments (Botox, fillers etc)?

Roughly how many of your patients are:

NHS

Private

Total

0 %

Roughly how much of your time do you spend on each of these activities?

General Dentistry

Orthodontics

Endodontics

Periodontal

OMF Surgery

Implants

Legal Reports

Teeth Whitening

Other

(please explain at end of form)

Total

0 %

Do you plan to cease practice or have any retirement plans?

Yes No

Do you do any work for/in the prison service?

Yes No

Do you need cover for any Dental Care Practitioners?

Yes No

Have you ever been or are you currently subject to any complaints, claims, disciplinary investigations or circumstances which could lead to a claim either in the UK or overseas?

Yes No

Please tell us any other relevant information:

Is any phase 3 electrical work undertaken?

Yes No

Is any gas fitting or installation work undertaken?

Yes No

Do you use any flame cutting or welding equipment?

Yes No

Do you clean any building exteriors or boilers, or do any kind of blast cleaning?

Yes No

Do you do any tree felling?

Yes No

Does your work involve any discharge of fumes, effluent or anything of a noxious nature?

Yes No

What is the maximum depth (below ground) at which work is undertaken (in metres)?

What is the maximum height at which work is carried out (in metres)?

Including you, how many people altogether work in the business?

Partners/directors/principals

Bona-fide subcontractors

Labour-only subcontractors

Permanent employees

Temporary employees

Of the x partners/directors/principals, how many do any manual work?

Of the x permanent employees, how many do any manual work?

Does your permanent employee do any manual work?

Yes No

What is the value of your largest single contract?

What is your company status?

In what year was the business established?

How many years of experience do you have?

Do you work outside the UK?

Answer ‘Yes’ if you ever travel to other countries to work. Also answer ‘Yes’ if you work for clients based outside the UK or on contracts written under non-UK law.

Yes No

In a personal capacity or in connection with any existing or previous business, has the proposer or any principal, director or partner:

Ever had insurance refused or declined
Ever had any cover cancelled, avoided or made subject to special terms
Ever been convicted of a criminal offence, apart from motoring offences and spent convictions (as defined under the Rehabilitation of Offenders Act)
Ever been charged but not yet convicted of a criminal offence, other than a motoring offence
Been prosecuted, or served a prohibition order under health and safety legislation or environmental protection legislation in the last 5 years
Been subject to a county court or high court judgement in the last 5 years
Been subject to any bankruptcy proceedings or any form of insolvency or winding-up procedures (including administrative receivership or any form of voluntary arrangement) in the last 5 years
Been disqualified from a directorship of any company in the last 5 years
Been the subject of a recovery action by HM Revenue and Customs or its predecessors in the last 5 years

Yes No

Have there been any losses or incidents giving rise to losses in the last 5 years?

Yes No

Losses or incidents giving rise to losses in the last 5 years

We need to know about each claim and incident.

Your previous insurer may be able to give you some of this information. If you didn't make a claim for an incident, please tell us approximately how much your loss from it was.

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What does your business do?

What type of engineering do you do?

What type of work do you do?

What type of work do you do?

What type of work do you do?

What type of consulting do you do?

What’s your business’s annual income?

How much of your £ turnover comes from selling to the USA and Canada?

What cover do you need?

What cover do you need?

Do other people work with or for you?

Including you, how many people work in your business?

Including you, how many of those who work in your business do you wish to cover under this policy?

What’s your annual wage bill?

Do you design and build websites or apps that have to comply with the Payment Card Industry Data Security Standards (PCI/DSS)?

Do you need an ACCA, ICAEW, ICAI or ICAS approved policy?

Is any of your work in relation to pollution or contamination?

Is your business limited to the following activities?

Is your business limited to the following activities?

Are you, or any of your principals a chartered surveyor?

How much experience do you have as an estate/letting agent?

Is your business limited to the following activities?

Is your business limited to the following activities?

Do you work outside the UK?

Do you work outside the EU?

How much of your turnover comes from working in:

How much of your turnover comes from contracts subject to the laws of:

What's your largest US or Canadian law contract?

Do any of your beauty activities fall outside of the below?

Do any of your additional activities fall outside the list below?

Do you perform any injectable treatments?

More about your business

Are all procedures performed by a surgeon, doctor, registered nurse, pharmacist, paramedic, dentist, dental therapist or dental hygienist?

We can provide a package of medical malpractice, professional indemnity and public liability. Is this the insurance you're looking for?

Do you have insurance with, or a quote from, Beazley?

What does your organisation do?

What do you sell?

What’s the largest single fee you’ve charged a client in the last 3 years?

What’s the total value of the largest project you’ve worked on in the last 3 years?

What has been your average contract value in the last three years?

What has been your longest contract in the last three years?

What is the value of your largest mailing contract?

What is the size of your largest mailing contract by number of items mailed?

More about your business

Which "Band D" treatments do you provide?

Which "Band A" treatments do you provide?

Which "Band B" treatments do you provide?

Which "Band C" treatments do you provide?

More about your business

Do you hold an NVQ Level 3 or equivalent beauty qualification and have more than six months experience in performing injectable treatments?

Do you have at least 12 months experience in advanced beauty treatments that pierce the skin (eg. micro-needling)?

Do you supply or sell any products?

Do you operate as an individual and/or a sole trader?

Do you operate as an individual and/or a sole trader?

Are you qualified and/or certified to perform your business activities?

Do you do any of the following?

Please tell us which other activity you do, and if you would like us to provide cover for that activity

Do you want your insurance to cover both yours and your placements' negligence?

Do you want your insurance to cover physical damage caused by both you and your placements?

What is the total annual payroll for staff that you place?

Do you agree to use non-standard contracts?

What percentage of your total fee income relates to non-standard contracts?

What percentage of your total placed payroll relates to non-standard contracts?

Are you or any partner/director a member of RICS?

When did your business start trading?

Do any of your past, current or planned contracts involve basement works?

Are you an individual contractor working as part of an organisation’s broader workforce under their supervision, direction and control with all work signed off by a permanent member of staff?

Do you sell, supply, make, install, repair or service any products?

Roughly how much of your annual income is from selling, supplying, making, repairing or servicing products?

What’s your business called?

What’s your business address?

What’s your name?

What’s your phone number?

What’s your email address?

And finally, did a PolicyBee customer give you our details?

Please tell us who

What kind of building work do you do?

Do you do anything else?

We can provide a package of medical malpractice, professional indemnity and public liability.
Is this the insurance you're looking for?