Customer help

If you are experiencing temporary difficulty in paying your premium or you want to discuss the cover under your policy, please get in touch.

Yes. Your insurance policy automatically provides cover for working with clients remotely, including using an audio or video service such as Zoom or Skype.

Many of our customers have begun doing this as a way of continuing business and retaining clients during the COVID-19 pandemic, and you do not need to contact us to include it on your policy.

Please note that your sessions/instruction must be done on a live basis and to your client (or clients, if part of a group session) only. Your policy does not provide cover for pre-recorded videos that are uploaded to a video platform (e.g. YouTube) for anyone to access.

Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits on insurance, so you're sure to find the right cover for your business.

Professional indemnity insurance covers against allegations of professional negligence - which means it would cover you if you were to make an error or mistake in a piece of work (such as a project or report) for a client.

Public liability insurance covers against allegations of injury or illness caused to third parties by your negligence. This includes many of the slips, trips and falls that are associated with personal injury claims. In addition, public liability insurance covers against damage to third party property - for example, if you were to damage a client-owned laptop or smartphone.

As they insure against different scenarios, it's important you consider arranging both types of cover to ensure you are properly protected.

Markel Direct has over 25 years of experience insuring contractors, consultants and self-employed professionals. We insure over 200,000 micro businesses and are highly rated by our customers at Feefo.com.

We are a division of Markel International, a Lloyd’s of London market insurer that wrote gross premium totals of £2.4bn in 2023.

To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.

If you provide advice, designs or any other professional service to your clients, you should give serious consideration to professional indemnity insurance. Without it, you could be liable for thousands of pounds worth of legal fees and compensation payments payable to your client if you are found to have been negligent in your services to them.

In addition, many clients will require you to have professional indemnity insurance in place in order to begin work on a contract, or your industry association's membership requirements may stipulate that you must hold a minimum limit of cover.