I need to purchase PI insurance this week, and some places I have looked at such as hiscocks (?) state that in order for the insurance to remain active after you have finished working with a client, you need to keep a subscription with them.

This is all fine and well, but does that mean I need to keep my subscription for the rest of my life in fear that my client may 10 years down the line realise that my actions caused him huge losses?

Are there any policys which cover the period you work, and stay covered once your policy is up (say after 12 months)?