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That's entirely up to them. If someone has successfully completed a contract and is on the bench they often choose to suspend the cover until they get something else. It saves having to cancel in the middle of an annual policy.
But PI has to be in place at the time of the claim, not the incident doesn't it? So how do your clients know when to switch it on and off as necessary?
I would have thought most insurance companies should be able to do it on a monthly basis. We do and for the PI etc it's the most popular way of doing it. Means you can switch it on and off if necessary.
Scan your previous policy document, photoshop the start and end dates, email off to pimp.
That's what I did last year for the last month of a gig
The pimps, bless their little IQs, just carried on paying.
So just as your professional indemnity insurance runs out you go and do something unprofessional.
It's so hard on this board to tell when people are genuinely doing dodgy things and when they are just winding people up for asking the wrong questions.
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