Freelance professional indemnity insurance

For the daily freelance problems. Professional Indemnity is our main policy, protecting you from the big issues freelancers like you encounter. Project management issues, missed milestones, unhappy clients. Even if every client and project is different, one thing remains the same: you are your business, and you need to protect yourself.

What is professional indemnity insurance?

Freelance professional indemnity insurance 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 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.

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Do I need professional indemnity insurance?

Think of professional indemnity insurance the same way you think of wearing a seatbelt when travelling. Nobody gets into a vehicle anticipating a bump, but we still buckle up to minimise the damage if something does go wrong. Professional indemnity insurance works in much the same way. No freelancer should begin work on a project expecting things to turn bad, but if they do your insurance will help you manage difficult situations. If you want to go into each project with confidence, you should have professional indemnity insurance.

Here’s an overview of the most common claims we see at With Jack.

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What professional indemnity insurance covers…

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 on third-party property.

Silly Mistakes

If you make a mistake or the client perceives you to have been negligent.

Damaged reputation

If you unintentionally damage a client’s reputation.

Data breach

If you lose or mishandle sensitive client data.

Professional indemnity teardown: What are you covered for?

Policy wordings don’t always make a lot of sense, so what exactly does professional indemnity insurance cover you for?

We asked ourselves one important question…

What do we want out of an insurance provider?

With Jack is the answer