Looking for some advice on this. A few of my clients are asking if I have insurance.
1. What type do I get? 2. There seems to be lots of extras, which of these do I need.. I have no employees and either work from home or work from clients offices.
3. Does anyone have any recommendations?
I'm no expert on this, but when I looked into it it seemed like professional indemnity insurance is the big thing, covering you if anything you build/design causes financial loss to the company you've contracted for. Plus, you can get insurance to cover client visitors to your home/office, however you meet them.
I went with hiscox in the end - seemed reputable and a decent price - but thankfully I've not had to claim so I can't attest to their service!
Would appreciate any other feedback you receive on whether this is adequate for your average freelance web developer.
Thanks!
Colin
On 7 Nov 2012, at 11:20, "Isobel Bathgate" <iso...@mediacollective.net> wrote:
> Looking for some advice on this. A few of my clients are asking if I have insurance.
> 1. What type do I get? > 2. There seems to be lots of extras, which of these do I need.. I have no employees and either work from home or work from clients offices.
> 3. Does anyone have any recommendations?
> Isobel
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I've personally used Caunce O'Hara in the past, but never made a claim so I can't comment on that. Otherwise, their service was good and they have a good customisable policy.
http://www.caunceohara.co.uk/
Ultimately, the insurances you need / want will depend on the services you provide, whether you are a Limited Company or just self-employed, the equipment you have, etc. I am not a law or insurance professional, so it is worth talking to an accountant or lawyer to understand what you need for your business.
On Wednesday, 7 November 2012 at 11:14, Isobel Bathgate wrote:
> Looking for some advice on this. A few of my clients are asking if I have insurance.
> 1. What type do I get? > 2. There seems to be lots of extras, which of these do I need.. I have no employees and either work from home or work from clients offices.
> 3. Does anyone have any recommendations?
> Isobel
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> I'm no expert on this, but when I looked into it it seemed like professional indemnity insurance is the big thing, covering you if anything you build/design causes financial loss to the company you've contracted for. Plus, you can get insurance to cover client visitors to your home/office, however you meet them.
> I went with hiscox in the end - seemed reputable and a decent price - but thankfully I've not had to claim so I can't attest to their service!
> Would appreciate any other feedback you receive on whether this is adequate for your average freelance web developer.
> Thanks!
> Colin
> On 7 Nov 2012, at 11:20, "Isobel Bathgate" <iso...@mediacollective.net> wrote:
>> Looking for some advice on this. A few of my clients are asking if I have insurance.
>> 1. What type do I get? >> 2. There seems to be lots of extras, which of these do I need.. I have no employees and either work from home or work from clients offices.
>> 3. Does anyone have any recommendations?
>> Isobel
>> -- >> You received this message because you are subscribed to the Google Groups "refresh-edinburgh" group.
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>> For more options, visit this group at http://groups.google.com/group/refresh-edinburgh?hl=en.
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Jim - That PCG guide is really useful, great link. I think for most freelancers, professional indemnity is the big worry.
Isobel - We use Hiscox for professional indemnity, public and employer's liability, office contents and disaster recovery.
We made a large claim on the contents and disaster recovery policies after the 2002 Cowgate Fire. The loss adjuster fed us money in small chunks and demanded a huge amount of detail in how we were spending it. Our insurance broker, Diane Mackie, was very helpful in getting us through this process, I can recommend her company: http://www.ermg.co.uk/contact.html
> I've personally used Caunce O'Hara in the past, but never made a claim so I can't comment on that. Otherwise, their service was good and they have a good customisable policy.
> http://www.caunceohara.co.uk/
> Ultimately, the insurances you need / want will depend on the services you provide, whether you are a Limited Company or just self-employed, the equipment you have, etc. I am not a law or insurance professional, so it is worth talking to an accountant or lawyer to understand what you need for your business.
> Good luck,
> Jim
> On Wednesday, 7 November 2012 at 11:14, Isobel Bathgate wrote:
>> Looking for some advice on this. A few of my clients are asking if I have insurance.
>> 1. What type do I get?
>> 2. There seems to be lots of extras, which of these do I need.. I have no employees and either work from home or work from clients offices.
>> 3. Does anyone have any recommendations?
>> Isobel
>> --
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>> For more options, visit this group at http://groups.google.com/group/refresh-edinburgh?hl=en.
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