Reply to: Professional Indemnity Liability Insurance.

[WordIsBond]

You're all assuming the OP is in IT.

Front page: "Contractor UK is home to the UK's IT contracting community."

It's a fair enough assumption, though it probably doesn't hurt to confirm it.

[kaiser78]

You're all assuming the OP is in IT. Do QDOS cover other industries? What if the OP is outside their risk profile, for example, working on safety critical systems? Does the OP need IR35 risk assessments thrown in anyway? I know the automatic answer to everything insurance is QDOS, but they may not always be the answer..

That's what I was going to say. OP - we are virtually all IT contractors on this forum and so may have different requirements/levels of cover that what you may have, if you are not an IT contractor.
Just something for you to bear in mind.

[northernladuk]

You're all assuming the OP is in IT. Do QDOS cover other industries? What if the OP is outside their risk profile, for example, working on safety critical systems? Does the OP need IR35 risk assessments thrown in anyway? I know the automatic answer to everything insurance is QDOS, but they may not always be the answer..

And with so little information from the OP what else can we assume. We can't cover all bases. If the OP doesn't want to give us the full picture they won't get a full answer. That's managing your company via a free bulletin board for you.

[northernladuk]

FYI If you have their TLC35 cover you get unlimited reviews

Erm, I said that in post 5.

http://forums.contractoruk.com/busin...ml#post2257367

[VillageContractor]

That's not what I thought Hmm maybe I misunderstood and am mixing up EL. Anyway. Do your own research when you call them.

FYI If you have their TLC35 cover you get unlimited reviews

[malvolio]

You're all assuming the OP is in IT. Do QDOS cover other industries? What if the OP is outside their risk profile, for example, working on safety critical systems? Does the OP need IR35 risk assessments thrown in anyway? I know the automatic answer to everything insurance is QDOS, but they may not always be the answer..

[northernladuk]

You get 1 per insurance - so 1 for PI and 1 for PL

That's not what I thought Hmm maybe I misunderstood and am mixing up EL. Anyway. Do your own research when you call them.

[quackhandle]

You get 1 per insurance - so 1 for PI and 1 for PL

If you have the above and pay an extra £36 you can get a 1 day contract review as well. Or it was the case last year.

qh

[VillageContractor]

That's changed now. You only get 1 with PI/PL.

If you get TLC35 though you get unlimited contract checks and unlimited working practice checks. Each of those would cost about £45. They do do a full check option for about 90 quid which is much more detailed but i'm sure that's not free.

Please do check this when you ring them and don't take my word for it though.

You get 1 per insurance - so 1 for PI and 1 for PL

[northernladuk]

Amazon Vouchers?

Yes please.

[SlipTheJab]

[B]Have a look at QDOS. They are specialists in this area and also offer a raft of other insurances like IR35 etc. I believe you get a free contract check if you get PI/PL with them. I think it was about £240 at last check.

I've been with them 8+ years and many others here are with them too. They would be my recommendation.

Amazon Vouchers?

[northernladuk]

QDOS all the way, and they throw in 3 free contract reviews which is nice.

That's changed now. You only get 1 with PI/PL.

If you get TLC35 though you get unlimited contract checks and unlimited working practice checks. Each of those would cost about £45. They do do a full check option for about 90 quid which is much more detailed but i'm sure that's not free.

Please do check this when you ring them and don't take my word for it though.

[northernladuk]

Have a look at QDOS. They are specialists in this area and also offer a raft of other insurances like IR35 etc. I believe you get a free contract check if you get PI/PL with them. I think it was about £240 at last check.

I've been with them 8+ years and many others here are with them too. They would be my recommendation.

[SlipTheJab]

QDOS all the way, and they throw in 3 free contract reviews which is nice.

[dx4100]

I suppose you can only say they are "good" if you made a claim and it went well... Which I doubt many of us have.... being awesome at what we do

As for cheap... that might impact on the good bit....

My advice is to go with someone who is a reasonable sized player...

I use Kingsbridge because I get a IPSE discount and no other reason....