Products & Pricing

Professional Indemnity is our main policy, protecting you from the big issues freelancers like you encounter. Even if every client and project is different, one thing remains the same: you are your business, and you need to protect yourself.

We also offer legal expenses, public liability and contents insurance as add-ons that pair nicely with your Professional Indemnity policy.

Professional indemity

For the daily freelance problems

Professional Indemnity is there to protect you from the common pitfalls that many freelancers encounter. That includes unpaid invoices (if your client refuses to pay and threatens to bring a claim against you), work that doesn’t meet client expectations or mistakes you make in your work. Professional indemnity covers your defence costs associated with a claim if your client threatens legal action against you, as well as compensation if your client claims to suffer a financial loss as a result of your work.

From

£14/month

Protect your business

Protects against…

Unmet expectations

If your client claims your work doesn’t meet their expectations.

Refusal to pay

If clients refuse to pay and threaten to bring a claim against you.

Copyright Infringement

If you unintentionally infringe third-party content.

Silly Mistakes

If you make a mistake or give ill-informed advice.

Damaged reputation

If you unintentionally damage a client’s reputation. Defamation, libel, slander…

Data breach

If you lose or mishandle sensitive client data.

Contents Insurance

For the equipment you need to do your job

Many freelancers don’t have the cash to replace their equipment if it’s damaged or stolen. With contents insurance, you’ll be able to buy new tools, keep working on that project — and hit that deadline.

From

£3.24/month

Protect your business

Covers…

Damage or theft

Cracked laptop screens, dropped cameras, stolen equipment.

Worldwide coverage

Your portable tools will be insured when travelling abroad.

Not just computers

Covers everything you need to do your job.

PUBLIC LIABILITY

For trips, spills and accidental damage

Little accidents such as slips, trips and falls can be expensive. Public liability insurance is for you if you make regular contact with clients or the public through your work. It protects you against cases of injury or damage to a person or property.

From

£2.80/month

Protect your business

Protects against…

Injury on premises

If someone has an accident on your work premises and you’re legally obligated to pay expenses.

Damages

If you have an accident that causes physical damage to third-party property.

Trips. slips and falls

If someone sustains an injury during the course of your professional services.

LEGAL EXPENSES

For unpaid invoices & sticky legal situations

This insurance gives you access to a library of vetted legal documents and even a free 24/7 legal advice and tax helpline.

Legal expenses insurance also covers the cost of expert help from accountants, if you’re ever faced with an HMRC tax investigation. This can easily run into the thousands — but you’ll get it at no extra cost.

Perhaps most importantly, this policy also helps you to get paid. If a client isn’t paying their invoice, a solicitor will chase them on your behalf. No more empty threats and hand-me-down tactics from Reddit!

Add it to your policy for:

£5.47/month

Protect your business

Protects against…

Contract disputes

Clients can receive a robustly-worded letter from expert solicitors.

Overdue invoices

Solicitors will chase overdue invoices on your behalf.

Innocent legal mistakes

Call the legal helpline 24/7 and get expert advice.

Tax investigations

Call the tax helpline. And if there’s ever a dispute, you’ll have expert support.

Loss of earnings through jury duty

As a freelancer, you can’t afford to lose a day’s work to jury duty.

Law assistance

Access vetted legal documents and information.

INCOME PROTECTION IN PARTNERSHIP WITH ANORAK

Pays you a tax-free monthly sum if you can’t work for medical reasons

Ever thought about what would happen if you were too unwell to work for a long time? Could you keep up with paying your rent and other bills? Anorak is a handy online advice tool that works out whether you’d be financially vulnerable in that situation. With Jack is an affiliate introducer to Anorak. When you take your free checkup you’ll be redirected to Anorak’s website.

Policies begin from:

£5.00/month

Find out more

Covers…

Loss of earnings

Not being able to work because of an illness of injury.

Tax-free monthly sum

Covers up to around 55% of your pre-tax income.

Essential income

Pay for fundamental living expenses like rent, bills and food.

Timely

Spend your time earning money instead of chasing money

When you have an overdue invoice you want an easy way of getting paid so you can focus on your work. Chasing payments is a whole job in itself. With Jack recovers your overdue invoices for you so there’s one less time-consuming task for you to worry about.

Get paid

Our Stories

We’re not here to spook, shock, or intimidate you into buying insurance, but if you’re wondering what situations insurance can help with, read these stories from some of the freelancers we’ve supported through tricky situations.

How insurance helped this developer fight scope creep

A true story of how insurance paid a developer £9000 in unpaid fees and provided legal support when a client became threatening.

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How insurance helped this agency when client expectations weren’t met

Sometimes project deadlines are missed or the work isn’t what the client expected. This happened to one of our customers, which lead to claim on their professional indemnity insurance.

Continue Reading

The With Jack team helped me stick to my guns, reviewed my emails back to the client and advised me on how to respond. Thanks to their advice, the client backed down, allowed me to keep the money I had already earned and we went our separate ways. Thank you for fighting my corner, you rock!

Sam

With jack Customer

We asked ourselves one important question…

What do we want out of an insurance provider?

With Jack is the answer

Get insured