US · Liability basics
Professional vs general liability: what’s the difference?
A mistake in your work and an accident at a client’s office raise different insurance questions. Start by separating the two.
The guide library
A clearer view, one guide at a time.
Start with the basics, understand the wording, then prepare your questions.
US · Professional liability
E&O insurance for independent consultants: a buying brief
Give an insurance agent a precise picture of your consulting work before you compare premiums.
UK · Liability basics
Professional indemnity vs public liability for freelancers
The names sound similar. The exposures they address are different.
UK · Client contracts
A UK freelancer’s insurance check before a new contract
Before accepting the next project, make sure the insurance conversation describes the work you are actually agreeing to do.
UK · Cyber insurance
Cyber insurance for digital agencies: questions before you buy
Build the discussion around your access to client systems, not simply the number of laptops in your office.
US & UK · Buying guides
Compare business insurance quotes beyond the price
Two quotes can look similar on the first page and answer very different questions in the wording.
US & UK · Policy wording
Claims-made policies: questions to ask before switching
The date you performed the work is only one date to discuss when reviewing a claims-made policy.
US & UK · Agency guides
Build an insurance brief for your digital agency
A useful brief explains what your agency does, what it can access and what its contracts promise.
US & UK · Policy wording
Policy wording, schedules and endorsements: how to read the documents
A short summary can orient you. Understanding the contract takes a complete set of documents.
US & UK · Insurance basics
Business insurance terms in plain English
Use these explanations to get oriented, then check how your own policy defines each term.
US & UK · Renewal planning
A freelancer’s insurance renewal review: what to organise
Renewal is a chance to check whether the description of your business still matches reality.
UK · Before you buy
How to check an insurance firm using FCA resources
A familiar logo or convincing email is not enough to establish who you are dealing with.
US · Before you buy
Finding your state insurance department: a freelancer’s guide
Use the relevant state regulator as your starting point for official insurance information.
US & UK · Client contracts
US and UK clients: questions about cross-border insurance
“I work online” does not describe all the geographic connections in a client relationship.