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, professional indemnity can cover the amount owed to you), work that doesn’t meet client expectations and if a client threatens legal action against you. Professional indemnity covers your defence costs associated with a claim, as well as compensation if your client claims to suffer a financial loss as a result of your work.
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.
If you unintentionally infringe on someone else’s property.
If you make a mistake or give ill-informed advice.
If you unintentionally damage a client’s reputation. Defamation, libel, slander…
If you lose or mishandle sensitive client data.
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.
Damage or theft
Cracked laptop screens, dropped cameras, stolen equipment.
Your equipment will be insured when travelling abroad.
Not just computers
Covers everything you need to do your job.
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.
Injury on premises
If someone has an accident on your work premises and you're legally obligated to pay expenses.
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.
It isn’t fun learning the hard way how much poorly worded contracts can make your life suck. So 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 on time. 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!
Clients can receive a robustly-worded letter from expert solicitors.
Solicitors will chase overdue invoices on your behalf.
Innocent legal mistakes
Call the legal helpline 24/7 and get expert advice.
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.
Contract advice & reviews
Have contracts professionaly reviewed by lawyers for an additional fee.
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.
When Jack saved a freelancer from scope creep
A client wanted extra work completed for free, refused to pay the developer and involved solicitors. The insurance we arranged covered legal fees and paid the outstanding balance that the client owed.
When Jack protected a freelancer from a missed deadline
A project was delivered late, which led to the client refusing to pay some of the freelancer’s fees and claiming compensation for hiring a new contractor. Their insurance policy ensure they were never out of pocket.
Now that I’m insured, I know that my business is secure and safely insured. I also know I can rely on Ashley at With Jack to help with any issues that crop up - there’s nobody I’d trust more to help me handle such an important part of my business.
We asked ourselves one important question …
What do we want out of an insurance provider?
With Jack is the answer