Self-employment and freelancer’s insurance through Fortify can offer a package of protection that allows you to cover multiple risks on one policy.  We can tailor protection to your needs, ensuring you have the elements you need without paying for those you don’t.  Common policy elements include:

• Public liability– if your business is responsible for causing injury or illness to a member of the public and they decide to take legal action against you, you’ll be glad you have public liability insurance in place.  It will help with the costs of mounting a defence and paying any compensation awards.  It will also protect you against claims for damage or destruction of property while on your premises.
  
  
• Employers’ liability – this is a legal requirement if you employ people.  It provides cover in the event of your employee injuring themselves or if their property is damaged while at work.  The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) to protect your employees in case they are injured or become ill as a result of working for you.  Your policy must:
  
  

• • Cover you for at least £5 million
  • Be with an authorised insurer
  • And employers must provide a safe working environment
    
    

• Business interruption cover– if disaster struck – say a cyber-attack hit your accountancy business – and you could not work  temporarily, could you manage?  With no money coming in and bills needing to be paid, would you be able to keep going financially?  Business interruption cover provides you with an income while your business is out of action

• Professional indemnity insurance(or PI insurance as it’s also known) offers financial protection should a client sue you if you make a mistake in a piece of work or do something that causes them financial or reputational loss.  For many freelancers, this is an important cover.  Thanks to our close relationships with a range of leading insurers – household names including Aviva, RSA, and Axa – we can offer you affordable, high-quality PI protection. 

• Stock– it’s likely that your business will have a quantity of perishable food stock and an expensive collection of beers, wines, and spirits.  Whether it’s frozen meat, fresh veg, or cocktail ingredients, losing your stock means losing money.  Ensuring your stock is covered means that in the event of a fire, flood, or power cut leaving, you’ll have one less thing to worry about
  
  
  
• Business contents– if a fire, flood, or other catastrophe hits your business, the costs of repairing or replacing tools, computers, or software could be high.  If you have business contents cover in place, then you’ll be able to claim in the event of an accidental disaster

• Product liability– many self-employed people rely on products for their jobs.  Whether it’s a freelance garden designer using a treatment for a type of disease or a builder recommending a door for a build, should these products do harm or damage, you can be left liable.  If you include product liability insurance in your policy, you’ll be protected financially

• Cyber insurance – cyber-attacks are a growing menace, with thousands of people being attacked daily in the UK.  The effects of things like ransomware and malware can be devastating, particularly given that if you pass an infection on to another business, you can be held liable for their costs.  Cyber insurance gives you access to IT and data retrieval should you fall victim to an attack