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insurance

  1. ReallyTallTony

    New contract requests 10m 'civil liability insurance' - anyone else seen this?

    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...
  2. R

    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...
    • redpill
    • Thread
    • insurance ir35 limited company professional indemnity public liability
    • Replies: 4
    • Forum: Accounting / Legal
  3. F

    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 your...
  4. T

    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. the client is ‘The...
  5. B

    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, not umbrella...
  6. I

    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. Now the agent is asking me to...
  7. M

    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 CEST assessment suggests...
  8. A

    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 insurance available on the market...
  9. H

    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 forum...
  10. T

    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...
  11. R

    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 requirement...
  12. T

    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 I need...
  13. S

    Wanted vouchers for IPSE and QDOS

    Any latest and functional vouchers available for use for ipse and qdos? Thanks in advance.
    • siphr
    • Thread
    • insurance voucher
    • Replies: 22
    • Forum: General
  14. T

    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 I...
  15. AtW

    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 would require insurance...
    • AtW
    • Thread
    • brexit flights government green insurance sky is falling
    • Replies: 11
    • Forum: Brexit
  16. P

    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...
  17. J

    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...
  18. M

    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? I've reviewed...
  19. L

    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 no employees therefore...
  20. G

    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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  1. Contracting
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      1. Coronavirus Assistance
    3. Accounting / Legal
      1. Umbrella Companies
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      4. IR35 Reform
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    5. Welcome / FAQs
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