Blog

Is public liability insurance the same as professional indemnity insurance?

It can feel like a minefield when you first learn about all the different insurance products available. Public liability insurance and professional indemnity insurance are two very different products, so make sure you’re buying the policy that suits the type of work you do.

Why legal expenses insurance can save the day

The professional indemnity policy is triggered if there’s a legal threat or demand for compensation, but legal expenses insurance can save the day before a situation has reached that stage. Here’s why it’s something every freelancer should consider.

Answering the risk questions: Professional indemnity

Answering the risk questions is the final step to getting insured, but some of the questions can be confusing. We break down the risk questions by profession, what they mean and why the insurer is asking them.

My story about a client being unhappy with my work

Before I worked in insurance I was a freelance photographer. This is my personal story about a client being unhappy with the work I delivered, how I handled it and the lessons I learned.

Understanding your policy: Insured quote

Let’s do a teardown of the insured quote you’ll receive when getting a quote (also called insured schedule if you buy insurance). We’ll walk through the document and explain every step so you can better understand your insurance.

Online legal documents for freelancers

Here are some of the legal templates included with your legal expenses insurance. Debt collection letters, copyright agreements, website terms and more.

Contract clauses for clients that ghost you mid-project

Most freelancers have experienced a client ghosting them at a critical stage of a project. How can you manage a client going AWOL?

Common worries when working for yourself (and how to handle them)

Getting paid, finding work, firing bad clients… these are all situations you’ll face as a freelancer. How do you prepare for them?

My favourite policy features: data reconstitution

The data recovery clause is one of my favourite policy features. It’s helpful for all freelancers who store important data, but especially photographers and videographers whose SD cards or hard drives suffer accidental damage that causes client work to become lost or corrupt.

Most common claims by profession

Ever wondered what kind of problems designers, developers and photographers face that their insurance has helped them with? We’ve put together a list of the most common claims by profession which can help you improve your processes to reduce risk or avoid issues altogether.

Income protection with Anorak

Ever thought about what would happen if you were too unwell to work for a long time? Find out how much income protection you need (if any) with Anorak.

The season finale of Unsure? Insure!

It’s been one whole year of producing weekly Unsure? Insure! episodes. We look back at the most popular episodes, common themes, recurring patterns and the all important takeaways.