Professional indemnity insurance can be a vital line of defence for all business owners. Whether you’re an independent contractor, a freelancer, a sole-trader, or the managing director of a small business, you should consider getting professional indemnity insurance cover. It affords essential protection no matter what industry you work in. Specialist Industry Guides to Professional…
If you’re a company director, you have a number of options for drawing income from your company as a directors salary. Mainly, it’s a choice between whether you pay yourself a salary, or you take dividends as your income – or you might choose a combination of the two. On top of this, you can…
If you’re a freelance self-employed graphic designer, then the right insurance can cover you for all the risks you might face in your work. Professional indemnity insurance is particularly important for graphic designers. In this post we’ll explain what professional indemnity insurance is and why you need it, before discussing some of the other insurance…
A Brief Overview Of Public Liability Insurance. What is public liability insurance? Simply put, it is a type of insurance available to businesses. It protects you when clients visit you at your premises and when you’re working at someone else’s. It’s designed to cover any costs that might result from a member of the public…
More people than ever are working from home. Some are working remotely as remote employees of larger businesses. Others choose to set up and run their own businesses from home. If you’re working from home, either as an employee or a self-employed business owner, then certain insurance products can provide total peace of mind that…
Company directors are entitled to claim certain expenses. This is the case whether you’re the sole director of a limited company, or the managing director of a small business. In this post we’ll outline some of the expenses you can claim as a company director, along with any limits. Please note that you should pay…
All UK workers have certain legally-enforced employment rights. If an employee feels that their legal rights have been violated, then they may make a claim against their employers. Employment practices & liability insurance covers businesses against such claims. What Does Employment Practices & Liability Insurance Cover? The UK government has many laws in place to…
Whatever your trade – whether you’re a builder, an interior designer, a painter decorator, or a plasterer – you should consider getting professional indemnity insurance cover. What Is Professional Indemnity Insurance? All tradesmen have to deal with unsatisfied customers from time to time. But some unsatisfied customers choose to take legal action – especially if…
On 15 January 2021, the Supreme Court made an unprecedented decision. It ruled that small businesses affected by the Coronavirus pandemic should have their claims paid under Business Interruption insurance. The judgment was based on a test case brought before the Supreme Court by the Financial Conduct Authority (FCA), who regulate the insurance industry. The…
Most modern offices are entirely dependent on their computer equipment. If anything ever goes wrong with this equipment, work can quickly grind to a halt. So you do need insurance to cover your office computer equipment. But what sort of insurance do you need? In short, you need two types of cover – insurance for…