It is vital to protect third parties, such as clients. As a professional you’ll probably spend a lot of time visiting client premises, which can leave you vulnerable should someone have an accident or injury as a result of the work you’re doing.
Among the policies you will need is employers’ liability insurance, for both your permanent employees and relevant contractors. However, you must be aware of the differences between types of contractor, and ensure your policy covers all workers that require it.
Professional Indemnity Insurance helps protect your business if someone makes a claim against you for making a mistake in a piece of work. Essentially, it covers the cost of defending your business should you be accused of professional negligence and helps uphold your professional reputation.
The Cyber threat is becoming more important for contractors every day. When you store personal data about your clients and projects on computers or the cloud, you’re vulnerable to threats from cyber-attacks and data risks.
It‘s worth taking out office insurance to cover your workplace contents and computer equipment. This covers you against loss of income or trading equipment.
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