P.I Insurance

[Pondlife]

Nope through an agent!

Would that imply that you can get it altered then? Or has the end client stipulated it. Don't think that many freelancers or small Ltd Co would carry that sort of cover.

[BoredBloke]

They are sending me a changed contract. If it comes through with the same level of insurance stipulated I will not sign and I wil not start work.

[Pondlife]

They are sending me a changed contract. If it comes through with the same level of insurance stipulated I will not sign and I wil not start work.

Well, all the best matey and good luck.

[BillHicksRIP]

I think the question was intended as - If don't have PI to cover sub-contractors how can you still claim the right of substitution?

That's what I was hoping to get answered. MyCo is due to start trading shortly and I've yet to purchase any insurance for it. Help!

[MikeP]

Really depends on what you do, and - more importantly - what can go wrong and what would the maximum cost to the business that they could directly attribute to your company if you screw up or simply end up being blamed for even if it wasn't your fault. This is why there are so many offerings.

Are you designing web pages for an intranet or are you updating retail prices in large retail stores? Profile/complexity of the work is irrelevant, it's the level of responsibility you carry. Could you end up with a decimal point error on the canteen lunch menu or uploading a buy-one-get-one-free offer AND halving the price on the tills

Hope that helps,
Mike