Affiliate disclosure: Some links on this page may earn us a commission, at no extra cost to you. The First 48 Hours Decide a Lot Nobody buys insurance hoping to use it. When something does go wrong, how you handle the first day or two often decides whether the claim is paid in full, reduced,…
Affiliate disclosure: Some links on this page may earn us a small commission, at no extra cost to you. Price Is the Visible Difference, Not the Important One Collect three quotes, pick the cheapest, move on. Most people do it, and two policies that look identical on a comparison screen can behave completely differently when…
This article contains affiliate links. If you purchase through our links, we may earn a commission at no extra cost to you. A Specialist, Not a Price Leader Hiscox comes up constantly for consultants, freelancers and professional service businesses. The useful question is not whether it is good, but who it is good for, because…
This article contains affiliate links. If you purchase through our links, we may earn a commission at no extra cost to you. A Broker, Not an Insurer Simply Business is one of the most recognisable names in UK small business insurance. Recognisable is not the same as right for you, and the single most important…
This article contains affiliate links. If you purchase through links on this page, we may earn a commission at no extra cost to you. A Structural Difference, Not a Price Difference Most people compare business insurance by premium and click buy. With these two, the more useful comparison is structural, because Simply Business and Hiscox…
Affiliate disclosure: Some links in this article may earn us a small commission at no extra cost to you. The Onboarding Email A client’s onboarding checklist arrives and professional indemnity cover is on it, needed before you start. Choosing a policy stops being theoretical. The freelance insurance market is crowded with products that look alike…
This article contains affiliate links. If you purchase through a link on this site, we may earn a commission at no extra cost to you. The Email That Starts This You land a commercial client, and then: “Please confirm your professional indemnity cover before we proceed.” This explains what professional indemnity actually covers for web…
This article contains affiliate links. If you click through and purchase a product, we may earn a commission at no extra cost to you. Where Generic Policies Leave Cleaners Exposed Cleaning sits awkwardly in the insurance market. You work inside other people’s property, handle their belongings, use chemicals, hold their keys, and often have access…
Affiliate disclosure: Some links on this page may earn us a small commission at no extra cost to you. The Gap in Standard Public Liability A dog bolts into the road, a cat knocks over a television, a set of keys goes missing. Any of those can cost more than a month’s takings, and most…
This article contains affiliate links. If you purchase through a link on this page, we may earn a commission at no extra cost to you. The Distinction That Decides Claims Mobile hair and beauty work has a different insurance profile from salon work, and the most expensive misunderstanding in the trade is assuming public liability…