Liability

[jmo21]

If you have PI then the client has to fight with your company's insurers for the money. If you don't the fight is with you so depending on the lawyers they hire they can make your life hell.

Just go and buy some insurance for £100 and don't worry about it.

Is PI retrospective? I assumed it wasn't.

[louie]

Worst comes to the worst I have a false moustache and hat.

[SueEllen]

Is PI retrospective? I assumed it wasn't.

If the poster is still in the contract he can take it out.

Otherwise he has to read the small print to check poss retrospective claim cover as I know a few insurers cover you for them.

[Wanderer]

Always remember the unfortunate surveyor who got sued despite the fact he was an employee of an estate agent who'd gone bust 3 or 4 years earlier.

That was a fairly unusual case though. I've seen lots of instances where companies have gone bust and there isn't a damned thing people could do to get shoddy work remedied. (Not suggesting that the OP was shoddy, just saying that once a company is closed down, you don't have much chance.)