Re: [refresh-edinburgh] Digest for refresh-edinburgh@googlegroups.com - 4 Messages in 1 Topic

[Tom Inglis]

Isobel,

I've also just signed Feusd up with Hiscox. It seemed by far the best price I could find online, and the policy reads well / seems to include all the essentials.

Best wishes,

Tom

On Wed, Nov 7, 2012 at 11:26 PM, <refresh-...@googlegroups.com> wrote:

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• insurance for freelance digital designer [4 Updates]

 insurance for freelance digital designer

Isobel Bathgate <iso...@mediacollective.net> Nov 07 11:14AM  

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


 

Colin Gray <colin...@hotmail.com> Nov 07 12:08PM  

Hi Elizabeth,
 
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
 


 

James Newbery <james....@gmail.com> Nov 07 12:15PM  

Hi Isobel,
 
The PCG have a decent guide:
http://www.pcg.org.uk/cms/index.php?option=com_content&view=category&layout=blog&id=807&Itemid=1320
 
and a list of providers:
http://www.pcg.org.uk/cms/index.php?option=com_content&view=category&layout=blog&id=818&Itemid=1334
 
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:
 


 

Isobel Bathgate <iso...@mediacollective.net> Nov 07 12:31PM  

Thanks Colin. Just been looking at Hiscox and seems reasonable.
Isobel
On 7 Nov 2012, at 12:08, Colin Gray wrote:
 


 

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[Isobel Bathgate]

Thanks Tom. Think I am going to go with Hiscox, had lots of recommendations now and I particularly like how they have detailed E-risks.

Isobel