Why you need this package

• You carry a responsibility under law to your clients
  
• Your clients have recourse under law against you for financial loss
  
• Your contract with an agency will not provide insurance for
  your legal liabilities - this is your responsibility
  
• Clients are increasingly asking to see proof of professional
  indemnity cover before awarding you with their contract
  
• Clients are becoming more litigious
  
• Liability insurance is one indication of self-employment
  
• As a limited company employing yourself or any other person,
  it is a legal requirement that you have Employers' Liability
  Insurance. IR35 will make this even more important
  
• You owe a duty of care and legal liability to the client for any
  injury or damage caused by you at their premises. This can be
  covered with Public Liability Insurance

What we can do for you
Protect you for claims made against you for financial compensation (Professional Indemnity cover) including:

• Negligence or breach of implied or express contractual
  duty to use reasonable care and skill
  
• Unintentional breach of written contract with a client
  
• Infringement of intellectual property rights
  
• Defamation
  

• Worldwide cover available
• Interest free monthly direct debit for easy payment
  
• Protection against claims resulting from your website (at extra cost)
  
• Cover for website damage (at extra cost)
  
• Employers' Liability insurance cover (at extra cost)
  Limit of Indemnity £10 million
  
• Public Liability insurance cover (at extra cost)
  Limit of Indemnity £1 million

All policies are written on a continuous basis. This means that once the cover is in place, there is no need for annoying annual proposal forms, the cover just carries on for as long as you need it, so long as the direct debit continues to be met.

We can improve the cover during the course of the year as developments become available, rather than waiting for the renewal date.

Application Form