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Insurances - News and Views
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Income Protection and Illness – Don’t Get In Debt Get Insured
As safeguards for contractor finances go, permanent health insurance (PHI) is without doubt the most important of the contractor insurances out there. If you’ve recently left the world of salaried employment for the greater flexibility and, hopefully, increased earnings that contracting has to offer, you must remember that you’ve also left behind the inbuilt health [...] -
Contractor Insurances – Why Public Liability Insurance Should Be No. 1
It goes without saying that few of us plan to have accidents. But as contingency is possibly the most universal theme in all human affairs, it’s perhaps a little more surprising to learn that so many independents in the world of freelance contracting are tempted to cast their fate to the wind and ignore the [...] -
Looking for Something to Do Before the Budget – Get Insured
The average contractor will have noticed that the news has been skewed in the direction of the government’s IR35 proposals in recent weeks. Whilst the negotiations, consultations and arguments are underway, it might be useful to turn to a more humdrum matter for a moment: contractor insurances. Insurance, of course, isn’t so humdrum if you’re recovering [...] -
Contractor Insurances – What Insurances do I need as a Contractor?
Whilst it’s true that claims by clients against contractors are relatively rare, when they do happen they can be Nasty with a capital N. As a contractor, you will be held financially responsible by clients for any errors that you make. As none of us are entirely foolproof, to venture into the contracting jungle without [...] -
Income Protection Insurance
Formerly known as Permanent Health Insurance (PHI), IPI is an insurance paid when a person is incapacitated to work their usual work that they are qualified to perform due to illness or accident. Typically policies pay out around 65% of gross earnings, although this may be lower for high earners. Some providers will [...]