Life moves fast for contractors and freelancers, jobs crop up suddenly and you've got to have the flexibility to take on new work quickly. Whether you're moving from one company to another in a short space of time or handling a variety of projects for different clients, the last thing you want to deal with is any extra admin.
At Direct Line for Business, we offer flexible insurance that can be personalised to reflect the ever-changing needs of your business, so you don't need to take out a new policy every time your job changes.
We can cover you whether you work from home, a co-working space, at an office or a client's premises.
Whether you're a journalist or party planner, the freelance and contracting life offers a lot of freedom. However, being self-employed also means you're solely responsible for sorting out any disruptions to your business.
If your equipment gets stolen, the office you usually work in becomes unusable due to a fire, or someone makes a claim against your work, you will need to deal with the financial implications. Luckily, you can cover yourself for these potential disruptions with our business insurance for contractors and freelancers.
Using our unique online quote tool, you can select the different types of cover you need and create a personalised insurance policy that suits your line of work. This could include professional indemnity, which covers you if you're accused of making a mistake that costs a client money or causes them reputational damage, or public liability, which covers the costs you are required to pay if you accidentally damage someone's property or someone is injured by you or your staff.
There are many different things to consider when creating your insurance package: the type of services you offer, your premises and your equipment. Don't worry, if your circumstances change, or your business grows, you can amend your policy without having to pay any admin fees.
It's important to make sure all your documentation is in order as clients often ask for proof of insurance before a contract begins. When you insure with us, you can download proof of your policy the moment you set it up. Everything's online, so you can access your documents whenever and wherever you need them. Our documents only include the information that is relevant to you, so gone are the days of wading through pages of policy wording to find the bits you're covered for.
We also offer a Legal Documents Service which gives you unlimited online access to a library of legal documents. You can download the document that you need from the library, customise it to fit your needs and then have everything checked by a solicitor.
These covers are subject to policy conditions and limits.
If you have an existing quote or policy with us, you can view and download your policy documents from the My Account page.
We tailor all our policies, so your documents only show what you’ve chosen to cover.
Below is a summary of a generic policy, from 15th July 2018 onwards, which shows the main covers and exclusions in our policies.