Q. I have just agreed a new contract with a new client. I need to buy Professional Indemnity and Public Liability. I am unsure as to the level of cover I need. How can I find out?
A. The level of cover required is normally stated in the written contract. However, if this is not the case you will need to go back to either the end client (if the contract is direct) or the agency (if your contract is through a recruiter) and they should be able to inform you what the required level of cover is. The standard levels in the IT industry are usually £1m for Professional Indemnity and £1m for Public Liability. Should you need Employers Liability, this will normally be £10m. It is also worth noting that Employers Liability is normally sold alongside Public Liability and cannot be purchased on its own.
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