Professional indemnity insurance when clients are based in the USA

[oliverson]

Well, yes, it will be more expensive. It’s completely standard to have exclusions for N.A. Surprised you weren’t aware of this or didn’t check and now have no cover, which is a massive risk when dealing with N.A. clients. That said, I use Randell Dorling, which used to be underwritten by Hiscox, but now Axa. It’s a few hundred quid depending on your PI cover amount. It may not be vastly cheaper than Hiscox, but probably a bit. Kingsbridge is competitive too, IIRC.

I mistakenly assumed that as QDOS were reviewing the contract for IR35 purposes and then also providing the Professional Indemnity cover, they would be aware that the latter wasn't sufficient for the former. Bit naive there I guess.

Just got a decent quote from Randell Dorling. Thanks for the pointer (and others that mentioned them earlier in the thread).

[jamesbrown]

Yeah, they should've mentioned it, but it also wasn't in their financial interests as they don't provide N.A. cover - you can be sure they would've upsold you otherwise.

[oliverson]

Yeah, they should've mentioned it, but it also wasn't in their financial interests as they don't provide N.A. cover - you can be sure they would've upsold you otherwise.

Let's just say I've 'fixed the glitch' with the QDOS Professional Indemnity 'cover' that was on direct debit!