Pickle Posted February 23, 2010 Share Posted February 23, 2010 hi everyone im hoping you guys can give me some advice. I have just started out as a freelance web developer and i know that i should get some kind of insurance but i am unsure what i need exactly. what i have been looking at so far is public liability and professional indemnity. i have been told that i need public liability by law and i know that i need professional indemnity. does everyone on here agree with that? also how much should i cover myself for, i mean i have no idea how much a client is likely to sue for if something happens. any ideas? thanks in advance Quote Link to comment Share on other sites More sharing options...
zq29 Posted February 23, 2010 Share Posted February 23, 2010 What country are you in? Quote Link to comment Share on other sites More sharing options...
Pickle Posted February 23, 2010 Author Share Posted February 23, 2010 im in the UK, sorry i should have mentioned that, it obviously makes a difference. Quote Link to comment Share on other sites More sharing options...
JonnoTheDev Posted February 23, 2010 Share Posted February 23, 2010 Just browse the web for some quotes on indemnity insurance. I would look for at least 100k of cover. Quote Link to comment Share on other sites More sharing options...
Pickle Posted February 23, 2010 Author Share Posted February 23, 2010 yeah, thats what ive been doing so far but obviously the insurance guys tell me i need this and that but theyre trying to sell it so of course theyre going to say that. i want to make sure i actually need it before paying out monthly for something. im definite i need professional indemnity, its the public liability i am unsure of really. so you think at least 100K. ok thats lower than what ive been looking at so thats good. Quote Link to comment Share on other sites More sharing options...
JonnoTheDev Posted February 23, 2010 Share Posted February 23, 2010 You only need public liability if you are having clients visit you or you are frequently visiting clients. If you are running your business from home with a small amount of equipment and clients dont visit you then you dont really need it. If you are freelancing at a clients premesis then you definately need it. It does not cover employees. Professional indemnity you need 100% Quote Link to comment Share on other sites More sharing options...
Pickle Posted February 23, 2010 Author Share Posted February 23, 2010 ok cool, thanks neil, that helps alot. i think i just need professional indemnity then. great thank you Quote Link to comment Share on other sites More sharing options...
waynewex Posted February 24, 2010 Share Posted February 24, 2010 The insurance I have is my fist. Quote Link to comment Share on other sites More sharing options...
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