So you’re a freelancer. Boldly going forth into the world with no one to answer to but yourself. If only that were actually the case.
As we’re sure you know, you carry the full responsibility for whatever work you do as a self-employed professional. Which means if one of your clients thinks your advice or actions have been responsible for them losing money, they could take you to court. Leaving you to pick up legal costs and potential damages, even if you’ve not done anything wrong.
Every freelancer needs a bit of extra armour
Even though the title ‘freelance’ doesn’t mean quite the same today as it did back in the days of knights of old, the brave lone warrior (even its just of the keyboard variety) still needs all the protection they can get. First off, Professional Indemnity insurance is the first thing to get if you don’t want mistakes, actual or perceived, leading to costly legal action.
It can cover legal costs, plus any damages awarded against you, up to your chosen limit, from just over £5 a month. And because it’s with ipro, it can also cover claims that are not yet known for work you did before you took out the policy – whether you had insurance or not.