July 4, 2019

Who needs Public Liability Insurance?

Who needs Public Liability (PL) Insurance? Good question. Well, it’s recommended if you are self-employed, a contractor or own a business that requires customer or public interaction. Basically, any business which incurs risk in your business.  What do we mean by risks? Example 1: Let’s say you’re a plumber You […]
June 12, 2019

How much Professional Indemnity does a consultant or freelance professional need?

How much Professional Indemnity does a consultant or freelance professional need? Well, many consultants or contractors make the common mistake of thinking they are automatically covered under the principal’s professional indemnity policy. When we use the term ‘principal’, we’re referring to the company who engages the consultant to do the […]
May 13, 2019
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What Exclusions do Professional Indemnity Policies have?

What Exclusions do Professional Indemnity Policies have? You see, many people think that their professional indemnity policy will cover all of their liabilities. A word of warning, it won’t because all policies contain exclusions. Furthermore, on average professional indemnity policies contain about 20 standard exclusions.  To help understand these exclusions, […]

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