If you've tried shopping for insurance when you work with clients outside of the UK, you may have run into problems. Insurers tend to shy away from covering businesses with worldwide clients.
Professional indemnity insurance policies exclude US and Canada jurisdiction by default because the legal fees are considerably higher, but this doesn't suit the life of most freelancers. The web is global and most freelancers are completing entire projects remotely.
If you're working with clients in the US and Canada or just want worldwide cover for peace of mind, the jurisdiction can be extended to include US and Canada for an additional premium.
When receiving your quote from With Jack, inform us you'd like the jurisdictional limit to be extended to include US and Canada and enjoy peace of mind with worldwide coverage.
How much does this cost? It depends on a few factors like the professional services you offer and the percentage of your turnover from the US, but expect to pay around £300-£500 per year for worldwide cover.
Failing that, you can have your US and Canada clients enter into a contract that states all claims will be handled under UK law. It's best to have a contract lawyer draft your contract so it's watertight.
- Professional indemnity policies exclude US and Canada jurisdiction by default
- This can be extended for an additional premium
- Expect to pay between £300-£500 per year for worldwide cover
- Alternatively have your US and Canada clients enter into a contract that states claims will be handled in UK courts