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It doesn’t matter what line of work you’re in, if you’re a freelancer providing a service to clients you should invest time into perfecting your back-ups. Investing time and money into your workflow now can avoid expensive lessons later.

It might seem counterintuitive, but there’s a reason why a recession is the MOST sensible time to be sure your business is covered.

Something I see again and again on subreddits and other social media, is the mistaken belief that a signed contract with every client means you don’t need insurance. In the words of the Family Fortunes buzzer, “Bap baah”. (Wrong!)

It’s your worst nightmare, and we all think (hope!) it’ll never happen to us. But what would you do if your laptop failed tomorrow?

A huge percentage of the problems freelancers face could be avoided. It all comes down to mindset and getting your head on straight! So what’s the best way to do that?

Nine times out of ten, when you look back, the signs were there from the start. It’s why most experienced freelancers have a mental list of ‘red flags’ – behaviour from a potential client which might lead to trouble down the road.

We’re all human. And while most freelancers want to do good work, there will always be software bugs, technical glitches and typos. So how do you handle it when something goes wrong and a client refuses to pay your invoice or pursues you for damages?

This one’s serious. Logos or custom fonts you’ve designed might look similar to existing work. Or an image or asset has been used without the correct permissions. What then?

Sometimes a client goes quiet or fails to provide the assets you need to complete your work. And sometimes it’s a freelancer who’s accused of poor communication or missed milestones. What next?

It happens to the best of us. A client stops responding to your emails, or says they’re not going to pay your invoice. How can you make sure you’re not left out of pocket?

There’s a myth that if you’re a Limited company you don’t need to have professional indemnity insurance. We explain why your responsibilities to the client remain the same, whether you’re a sole trader or Limited company.

Insurance clauses in client contracts are often a one size that doesn’t fit all approach. This means either the level of cover or insurance products clients ask you to have might not fit your needs. Here are some ideas for scripts you can send to your client in response to the insurance clause.