Article 2 - Q&A
Do you work from home?
Specify your office and/or specialised equipment in your contents policy. Also, check your public liability cover is adequate for work-related claims.
Do you use your vehicle for work?
Make sure that your car insurance policy covers you for work-related travel and for other workers who may use your vehicle from time-to-time. You may need to upgrade to a commercial vehicle insurance policy. Check with your broker.
You may want to consider;
Business Interruption/Loss of Earning Insurance, to protect your income if your business operation is disrupted.
Professional Liability Insurance, to cover legal claims from claims clients in the event of negligence, error or accident omission.
When pegging your freelance rate, factor these monthly premiums as a real cost of doing business.
Renovation Insurance Q&A