You may want to protect you and your company by ensuring it carries the appropriate business insurance. Your client may also insist your company holds certain insurances as a contractual obligation.
Three common types of business insurance include:
- Employers Liability (EL) Insurance – employers are legally required to insure against liability for injury or disease to their employees arising out of their employment. This cover is not legally required if you are the only employee and you own at least 50% of the company’s shares.
- Public Liability (PL) Insurance – provides cover in the event of injury or death to a third party or damage to their property as a result of the actions of the business for which you are legally responsible.
- Professional Indemnity (PI) Insurance – provides cover for the financial consequences of professional negligence following a breach of professional duty by way of neglect, error or omission by your company.
To assist you, First Freelance have negotiated special rates for our clients with contractor insurance specialists who provide comprehensive insurance cover at very competitive prices.
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