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Insurance for virtual assistants

Virtual assistants’ insurance looks after you while you look after your clients. Protect your business and your reputation virtually hassle free.

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Professional indemnity
from
£8.50
 a month
 for £100,000 cover

Professional indemnity insurance defends you against claims of negligence, breach of confidentiality, dishonesty, libel and slander. We offer up to £10,000,000 cover.

addPublic liability
£4.20
 a month
£1,000,000 for physical damage and injuries caused by your business
addLegal expenses
£3.27
 a month
£100,000 For commercial legal disputes and debt recovery
Based on an annual income of up to £40,000. All prices include IPT at 12%.
Quote online for turnovers up to £2,000,000, or call and talk to an expert.
An extra pair of hands

Admin? Typing? Bookkeeping? Clients in need of help come to you. Which is great for business, of course.

Problem is, with so much going on, it’s hard to keep track of what’s what. Things get missed, forgotten, or simply not done properly.

If you do make a mistake, and your client loses out, your virtual assistants’ professional indemnity insurance protects your business and your reputation. It’s real security in a virtual world.

Why do VAs need professional indemnity insurance?

You don’t.

It’d be great if we could say that and mean it. But we can’t.

Mistakes happen, accusations are made, solicitors get involved and clients want payback. Rightly or wrongly these things happen every day and, sooner or later, you could be on the receiving end.

A claim won’t go away if you ignore it. And there are no shortcuts. You have to Do Something About It.

So, you need professional indemnity insurance because you have a business to run; because you have limited funds; because you’re not legally trained; and because your reputation matters.

What else is there?

How much professional indemnity insurance do I need?

Professional indemnity insurance protects your business. No one else’s.

So you have to decide what level of cover is enough for you. Consider what you do, who you do it for and how much it’s worth. Think about worst-case scenario and what could go wrong. What’s the most expensive mistake you could make (or be accused of making)?

Always bear in mind that you can’t have too much cover. Your legal defence can cost many tens of thousands of pounds – and that’s before the compensation bill from your client arrives. Your level of cover has to be enough to cover all of this.

It’s a tricky one to get right. Have a read of this guide or call us if you need more help.

What does professional indemnity insurance cover?

Negligence claims and allegations made against you by clients and third parties, because of mistakes you’ve made and things you’ve failed to do.

Specifically (but depending on the policy wording):

Defamation


Intellectual property infringement


Loss of documents or data


Negligent misrepresentation or misstatement


Employee dishonesty


Virus transmission


Breach of confidentiality

But that’s not all. Some professional indemnity policies can fix a mistake before your client is even aware of it, thereby preventing a claim in the first place.

Clever stuff.

What else do I need?

Public liability insurance is for when you go out and about on business, or have visitors to your office. It’s for claims of physical damage to property and people. Useful if you’re clumsy.

Employers’ liability insurance covers your business if an employee sues it for damages. Claims are usually because they’ve suffered injuries and illnesses as a consequence of working for you. It’s a legal requirement for UK businesses with employees.

Office and property insurance covers the things in your office (furniture, plants, fixed IT equipment etc) and portable insurance covers gadgets and technical equipment away from the office (laptops, tablets, projectors etc). If you’re not sure it’s worth insuring, add it all up – it’s probably worth more than you think.

Business interruption insurance means you can still work when your office is out of action. Be it flood, fire or flea infestation, you’re covered for the costs of setting up elsewhere and for any lost revenue in that time.

Directors’ and officers’ insurance covers your company bosses. Anyone from regulators to shareholders to competitors can accuse you of not running a business with due care. Worse, directors are personally liable for their actions. The good thing is this insurance covers your defence costs and any compensation you have to pay. So you can put away your chequebook.

Read what our customers say about us
Just purchased Insurance with PB. Website was clear and informative to help with which cover I needed. They came highly recommended to me.
Dot,
Virtual Assistant
8 October 2019
Great choice of policies, excellent customer service, very helpful.
Cate,
Virtual Assistant
27 September 2019
Fantastic company! Very easy to get everything sorted out and no insurance policy waffle to try and get your head around! Highly recommend 👌
Martine,
Virtual Assistant
24 September 2019
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0345 561 0320

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Kerri-Ann Hockley
Head of Customer Service