Laptop Insurance

If you have ever been self-employed you have at some time considered the need for insurance of some form or another. I once believed that my home insurance was adequate cover, when working from home as a freelancer. Luckily I never had to put this policy to the test, or else it could have been very embarrassing.

Office insurance cover is an absolute must, if you want to stay in business indefinitely. Your customers view you with more respect, as they feel there is more of a common ground between you both. It is not a case of one rule for the big boys and another for you. You are not seen by the law as being any different to a large corporate who may be employing thousands of people.

In IT, most contractors are required by law to have the right level of insurance cover. Even if you are a sole trader, you would have to set up a limited company. With this limited status, comes a need for special limited liability insurance, which has two clearly distinct areas to consider:

1. General liability: covers all damage that you may cause whilst on the employer's premises, extending to injury or damage to a member of the public.

2. Professional liability: covers errors and omissions arising whilst in the course of the contract. An example of my business, could be insurance cover for a mistake made over a licence not having been purchased for a picture.

If you use a van for day-to-day business, you will need a different insurance cover. Specific business vans insurance is available and is tailored towards the insurance of the precious cargo contained within. Some of the benefits that you should expect are:

1. 24hr recovery: Insurance to cover breakdown and recovery for a twenty four hour period of time.

2.Vehicle replacement: if your vehicle is involved in an accident it will be replaced by this cover.