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, cyber breach cover and contents insurance as add-ons that pair nicely with your professional indemnity policy.
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.
If your client claims your work doesn’t meet their expectations.
If clients refuse to pay and threaten to bring a claim against you.
If you unintentionally infringe third-party content.
If you make a mistake or give ill-informed advice.
If you 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.
Cracked laptop screens, dropped cameras, stolen equipment.
Your portable tools will be insured worldwide.
Covers the cost of recovering corrupt data.
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 their property.
If someone has an accident on your premises and you’re legally obligated to pay compensation.
If you accidentally cause physical damage to third-party property.
If someone sustains an injury during the course of your professional services.
This insurance gives you access to a library of 500+ vetted legal documents and 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!
Clients can receive a robustly-worded letter from expert solicitors.
Solicitors will chase overdue invoices on your behalf.
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.
As a freelancer, you can’t afford to lose a day’s work to jury duty.
Access 500+ vetted legal documents and information.
This helps you respond to a data breach by notifying the affected individuals and investigating what caused the breach. This product minimises investigations by showing the regulator you have a handle of any incident and aims to respond to the initial investigation within 72 hours, which is a key time stipulation of GDPR.
The insurer will notify individuals affected by a computer security incident.
Get to the bottom of why the data breach happened in the first place.
Credit monitoring services can be provided to affected individuals.
Chasing late payments shouldn’t become your second job. If an invoice is overdue, With Jack will step in and recover it for you saving you time, stress and awkward follow-ups.
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.
It’s not just designers that have to worry about copyright infringement. Anybody using third-party content in their work like images is at risk of accidentally misusing assets. Here’s how professional indemnity insurance helped this marketer who’d accidentally used a copyrighted photo on their blog.
We share the story of how two different insurance products—contents insurance and professional indemnity insurance—helped a filmmaker when their hard drive failed and client footage was lost.
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
What do we want out of an insurance partner?
With Jack is the answer
