In the event that a client brings legal action against you to recover their losses from an error or omission in your services, PI Insurance provides cover for your associated legal costs and liabilities.

You may be required to hold cover as part of the terms of your contract. Regardless, it’s an important policy for anyone who provides some form of professional service such as advice, design, or consultancy.

Excess for this policy is £250 each and every claim excluding defence costs. Learn more about this policy

If a third party (client or member of the public) brings legal action against you because they believe you have caused an injury or damaged their property while providing your services, Public Liability insurance will cover your legal costs and liabilities.

There is nil excess for Employers Liability. For Public Liability, there is a £1000 excess arising out of the use of any oxy-acetylene or electric welding or cutting/grinding equipment or blow lamps or blow torches and/or arising out of the ownership possession or use of asphalt bitumen pitch or tar heaters
There is a £500 excess for each and every occurrence in respect of loss of or damage to tangible property only costs inclusive arising out of any other cause Learn more about this policy

Contractors’ All Risk insurance compensates you for damage to property caused by a range of different events such as fire, flood, storm, vandalism or theft. The policy will cover damage caused by anything not specifically excluded.

This policy should be considered by anyone working on a building site, or construction project. It provides cover in three broad categories:

• Contract works (the building works, property or structure under construction)
• Damage to tools, machinery and equipment
• Employees tools and effects

Excess for this policy is £750 Each and every loss in respect of theft £50 Per employee in respect of loss of or damage to employees’ tools and personal effects £500 Each and every loss. Learn more about this policy

Running your own business can leave you open to a variety disputes; including contract disputes, debt recovery, property disputes, employment disputes, criminal prosecution, and health & safety prosecutions, or investigations udertaken by HMRC.

This policy provides up to £50,000 to cover the fees,  expenses or other costs incurred by experts in helping you protect your interests, whether thats a solicitor helping defend you in court, a debt collection service recovering fees owed to you, or one of our expert tax consultants responding to letters from HMRC. It also includes up to £500 per day (maximum £5000) to cover your loss of income if you’re needed for jury service.

This policy has no Excess. Learn more about this policy

If you suffer an injury (or worse) as a result of an accident, whether it occurred during the course of your business or not, Personal Accident Insurance can help you financially recover from the loss of income as a result.

The policy provides a lump sum benefit, ranging from a £50 per day hospital benefit, to £50,000 payment in the event of death or permanent brain damage, and a variety of illnesses and injuries in between.

This policy has no excess. Learn more about this policy

If you are unable to work as a result of a medical condition, sickness, or injury, Income Protection Insurance can help you continue to pay your bills whilst you’re unable to provide your services.

This policy provides a monthly benefit for up to one year, following a 30-day excess period, should a doctor confirm you're not able to carry out your normal services. Additionally, the policy provides a lump sum of £25,000 in event of death.

Learn more about this policy

Fundamental to reducing the risk of a contractual dispute is fully understanding the commercial arrangements you are entering into.

The Contract Health Check highlights key commercial clauses and translates them in plain English with how they work in practice and the impact they could have on your business.

Please note that no legal advice is given within this report.

This product is intended solely for the use of the company named within the report to review the commercial clauses of their contract.

Covers everything included in our Tax Enquiry policy – so if we think your working practices are strong enough, we’ll provide defence of an enquiry all the way to tribunal.

In the event we're unsuccessful in defending an IR35 enquiry and HMRC find you owe tax, penalties, and interest as a result, Tax Liability Cover will cover the cost of this resulting liability.

You also have the option to add cover in the event of a S660a enquiry.

This policy has no Excess for defence costs, but the excess for Tax, Interest and Penalties is £250 each and every claim. Learn more about this policy

If you’re starting a new contract or your current one has changed, you will likely need to check the written terms for IR35 status. Get recommendations to improve your position with an overall opinion on your status.

Same business day and next business day turnarounds are available.

To really get into your engagement’s IR35 status, this service includes everything in the Assessment but with a detailed clause-by-clause report so you can understand how each clause impacts your status.

A review of your working practices is also included as standard, giving you the best chance of an accurate result.

Same business day and next business day turnarounds are available. Click here to find out more about this product.