Insurance FAQs

  • What is a retroactive date on professional indemnity insurance?

    What is a retroactive date on professional indemnity insurance?

    If you’re working as a contractor, consultant or freelancer, the chances are you’ll hear the phrase ‘retroactive date’ at some point when arranging your professional indemnity insurance cover.

  • How much professional indemnity insurance do I need?

    How much professional indemnity insurance do I need?

    Business liability insurance is slightly different to other types of insurance. Whereas with your home and car insurance you are usually given a standard limit of cover (the maximum amount your insurer will pay out), with professional indemnity insurance, you will be given a range of limits to choose from.

  • What is professional negligence?

    What is professional negligence?

    If you’re about to sign a contract to supply a service to your client, they may have stipulated that you need a minimum level of professional indemnity insurance. This cover protects your business against allegations of professional negligence from your client - but what exactly is professional negligence?

  • What is directors and officers insurance?

    What is directors and officers insurance?

    Many people mistakenly believe that as a director of a limited company, they have no personal liability in regard to their corporate actions.

  • What is defamation?

    What is defamation?

    Defamation is the umbrella term for libel and slander and is based around reputation – and specifically relates to statements that damage the reputation of others.

  • What is a breach of confidentiality?

    What is a breach of confidentiality?

    A breach of confidentiality occurs when data or information provided in confidence to you by a client is disclosed to a third party without your client's consent.

  • What is professional indemnity insurance?

    What is professional indemnity insurance?

    If you are alleged to have provided inadequate advice, services or designs to a client, professional indemnity insurance provides cover for the legal costs and expenses in defending the claim, as well as compensation payable to your client to rectify the mistake.

  • Short term professional indemnity insurance - a risky business

    Short term professional indemnity insurance: a risky business.

    Pitching for new contracts can be stressful enough without having to worry about what might happen if you were to make a mistake while working on a project.

  • What is business equipment insurance?

    What is business equipment insurance?

    Business equipment insurance provides cover for damage or loss to property or equipment that you use in the course of your business.

  • What is employer's liability insurance

    What is employer's liability insurance

    In the course of operating your business, your employees can be injured or suffer from illness as a result of working for you, regardless of how safe your premises appear to be or how benign your business activities may seem.

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