Public & Employer’s Liability

In addition to this, the majority of agencies and end clients require some level of insurance to protect their own interests.   The type and level of coverage required will vary from trade to trade, but some insurers offer low cost 'off the shelf' policies.

FreelancerPublic Liability Insurance

Freelancer Public Liability Insurance will indemnify you for your legal liability for injury or death to third parties and damage to third party property as a result of negligent acts by you or your employees.  The insurance will also cover third party costs and expenses.

The cover is extended to include temporary employees provided the total number of days for such employees does not exceed 50 days during any one period of insurance.

FreelancerEmployers' Liability Insurance

Freelancer Employers' Liability Insurance will indemnify you for your legal liability for injury or death to employees, including claimants' costs and expenses.

The cover is automatically extended to include temporary employees provided the total number of days for such employees does not exceed 50 days during any one period of insurance.

Employers' Liability Insurance is compulsory for any business that has one or more employees whether they are permanent, part time or temporary.  The only exception to this is if you are a limited company, you are the only employee and you own at least 50% of the issued share capital of the company.  In this respect you are exempt from the need to purchase Employers' Liability Insurance, although it may still be required by your agency or client.

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