Hi,
As the post title says, I have been asked to provide £10m Civil Liability insurance for a new contract. After a bit of reading the key difference between Professional Liability and Civil liability is that under Civil liability you can be required to pay out even if you are not negligent....
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New contract requests 10m 'civil liability insurance' - anyone else seen this?
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Should I take out liability insurance AND IR35 insurance?
My insurance is due and I'm wondering whether I should just take out professional/public liability insurance for £170 or cough up for IR35 insurance which is another £300. I know the emphasis is on the client now to deem your IR35 status so perhaps shouldn't need the insurance but I'm just wondering...
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Tax Investigation Insurance Run-off Cover post-Liquidation - IPSE or Caunce O'Hara?
For anyone closing their limited company, what run-off type tax protection / IR35 insurance is recommended and for how long?
I’ve been a member of IPSE for a while and they seem to have changed the run-off options. Previously I think they provided cover for £50 for 1 year after closing...
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Excessive contractual obligations
Hello all,
I’d be interested to know others’ views on some proposed contract terms -
I am the sole director of a limited company through which I provide IT services as per a normal contractor model. A new client has presented me a contract with the usual definitions i.e....
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Jury service insurance for umbrellas
Hi all,
Looking for some inspiration here. I get called up for jury service what feels like every other month. So far, I've gotten out of it, but it's only a matter of time before I my please for exemption falls on deaf ears.
Qdos jury insurance only covers ltd company directors,...
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Does Umbrella provide professional indemnity insurance and public liability insurance
Hi,
I have been contracting using my own limited company until now.
I have just been offered a new contract and the client decided that all contracts are now inside IR35 (no exceptions) so I'll have to use their partner umbrella company for this engagement.
...
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IR35 insurance - worth buying at this stage in my situation?
Hi all
Appreciate there's a lot of people in a similar boat and a lot of questions around IR35 flying around at the moment, but not sure this specific question has been asked/answered.
I'm contracting via a Ltd company with a large private sector client and my previous...
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Insurance against client insolvency?
Hi all,
I have received a bad blow lately, since the client I was contracting with became suddenly insolvent and couldn't pay me the 18 days of work they owed. It was quite a lot of money.
I am starting a new contract now.
I was wondering if there is an...
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Larsen Howie vs QDOS vs IPSE
I've taken a look at all three of these in terms of IR35 insurance - Larsen Howie / QDOS / IPSE
Interested to hear your experience of them and which is the best in your personal opinion (i.e. not because you get commission to push them).
Unsure about IPSE given comments on the...
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Company (EV) Car Insurance?
I'd welcome any advice others may have on getting company car insurance. My company is buying an electric vehicle and my wife and I need cover on the vehicle: we are both company directors and employees. Where would you recommend I start in getting quotes? I've been advised that I need fleet car...
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PI and PL insurance covering 6 years following 6 months contract end
Hi All,
I am in process of signing up a new 6 months contract. There is a clause asking for 6 years PI and PL insurance cover post contract end date. This is to cover any damages against data protection, IRP breach or confidentiality breach.
I have not seen such a long term cover...
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Insurance cover for loaned IT Equipment?
My contract will soon require me to take responsibility for equipment owned by the customer. I'd welcome advice on how to insure this laptop, and accessories, against damage and loss while in my hands.
I've found plenty of insurance to cover me for my essential equipment - but what if...
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Wanted vouchers for IPSE and QDOS
Any latest and functional vouchers available for use for ipse and qdos? Thanks in advance.
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Insurance/protection from public liabilities for non-uk based self employed?
Hello,
I am considering an option where I move from UK to a EU country, live there and set myself up as a self-employed and hence get the contry's tax residency status. I then want to work remotely for a UK client. I would raise monthly invoices for my services. Since I'd be a self-employed...
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Tory Brexit No Deal DOOM™: Flights
UK-EU flights could cease in event of no-deal Brexit, says government
In latest set of ‘no-deal’ notices, government says planes could be grounded because EU licences would not be valid
• Owners of dogs, cats and ferrets would need rabies test for pets
• UK motorists...
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How do you check insurance covers a contract?
I have bought professional indemnity, public liability and employers liability insurance from Qdos to cover my limited company.
An agent has found work for me with a client and has given me a contract to review. I'd like to check that the insurance and the contact are compatible, i.e....
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Patent Infringement in contracts and insurance
I wanted to check in and see what the general situation is with respect to insurance against intellectual property infringement for most contractors.
IP infringement appears to be excluded from professional indemnity insurance as standard. (Perhaps unsurprisingly given potential costs...
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Is insurance required if you are not in a contract?
Hi,
I've been without a contract for a couple of months and I think I'll be without another for some more. I was about to renew my company insurances (professional indemnity, professional liability and employer's liability), but do I need to if I am not contracting at the moment?
...
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Capita insurances: employers/liability/PI
Hi there
I am currently going through my first security check/onboarding to be a contractor in the public service via the Capita framework.
my agency is asking me for 3 insurance certificates up to £1m: employers/public liability/PI.
I have already explained i have...
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Newbie - Do I really need PI/PL insurance
Hi,
Apologies if this is a stupid question. I am a new IT contractor. I imagine I am a pretty typical infrastructure H/W, OS etc etc. I do mainly installation, configuration and support of server/networks work and typically only work 50-70% of the year. It did not occur on my first contract...
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insurance policy clause in contract
Here is an excerpt from a well known agency's contract regarding limited liability, professional indemnity, public liability insurance etc.
3.7 The Company shall have in place, policies of insurance of sufficient value to cover the provision of services pursuant to the agreement, including...Last edited by sigma; 27 June 2014, 09:04.
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Good Professional Indemnity Insurance with E-Risks for Gaming Industry Contractors
Hi, I'm a contract programmer working mainly for the games industry. I've been searching for a new provider for my professional indemnity insurance that provides good E-risks cover. The only two I've been able to find that are reasonably straightforward for a sole trading contractor are Hiscox (as recommended...
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Insurance - Advice
Hi,
I'm starting a a new assignment/contract in less than a week and need to sort out insurance for my limited company. My contract notes the following :
"The service provider shall :
ensure the provision of adequate Employer’s Liability Insurance,...
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Quotiva - is it any good?
Has used Quotiva before to find insurance? Did you get what you want for your related profession? It seems to keep playing up on me.
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Offshore Insurance Advice
Hello,
I am new to this forum and the contractor lifestyle and responsibilities, but I have done a significant amount of research into getting insurance. I know I need Professional Indemnity at £1million, Public and Employers Liability at £10million (or maybe £5million for PL) and...
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IT Contracting Essentials?
I'm sure this has been posted before and if so, please reply with a link to a thread that is already on here.
I'm looking into the IT Contractor market and just have a few questions.
1. What are the most common insurance requirements that an IT Contractor needs - Just PI?...
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Insurance
Hi,
wonder if anyone can help - I had an office until around a few months back, for which I had insurance for.
I have now given this up and work from home/out on site, but my insurance is up for renewal - I understand I'll need to retain employers liability as my wife does...
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What insurance has everybody got?
Hi just wondering what insurance everybody has got?
Going into my 2nd year contracting now and thinking need to look at this more closely.
Currently got professional indemnity and public liability.
Thinking I need IR35 and Income Protection Insurance....
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Contents insurance at office/home address
Hi,
I have my flat rented through my IT company and this is my home and office address. I don't usually work from there as I work at a customer site mostly, but the flat rental contract is written for my business (limited company).
Now I have problem with choosing right contents...
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Income Protection
Hi guys,
Another newbie question from me! I'm switchin from using an umbrella company to my own limited company. I've decided that I would like to get Income Protection.
Does anybody have any insurers that they would highly recommend? And for what reasons?
...
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Private Health Cover
Hi everyone
I'm wondering if anyone could give me their recommendations on which companies they use for health care as I'm looking as purchasing it for myself and extending cover to my family. As I believe it's important to look after myself now I'm contracting.
Thanks
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Agency asking for PI insurance
Hi, i started a contract a month ago and have now been asked by the agency to take out professional indemnity insurance cover of £1m.
The terms in the contract don't specify any level just some waffle along the lines of "maintain provision of adequate Professional Indemnity Insurance...
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What Insurance ?
Hi,
Just wondering - I have been thinking about Insurance for my limited company.
I am predominately freelance web design/development, working on companies premises - usually this kind of work is through a recruitment agent.
I also have direct clients where...
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Do I really need Professional Indemnity isurance?
Hi all,
This is my first post as a newbie contractor. Have set up Ltd company, got an accountant & bank a/c, registered for VAT & PAYE etc. I am now looking at insurance and see that the only compulsory insurance is Employers Liability (and even that is only compulsory whilst IR35 is...
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Car Insurance
Can anybody make a recommendation regarding car insurance (must include business use); cheapest quote to-date is £490 for an old Nissan 2litre diesel (> 10 years no claims).
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