Posted By Gary IMD(UK) Hi, As a start, public liability (Are you a limited Company - In which case, Employers liability) and would strongly suggest Professional Indemnity! You may also want to consider Civil liability? Nightmare isn't it?!! But just think of all that lovely insurance tax you'll be paying to Gordon! I always look on insurance as an Investment that you really never want to get a return on. Take care.

Posted By Phil Grace Just to clarify what has already been said: Employers Liability (EL): provides protection in the event that an employee is injured through your negligence.. only needed if you employ people! Public Liability (PL): provides protection in the event that you injure someone (other than an employee) and the injury is a result of your negligence. This is what might be called civil liability (that is not a different class or type of insurance). A typical example would be if whilst on a customers premises you put down your briefcase and someone tripped over it. Prpofessional Indemnity (PI): A PL policy will not cover you for the advice that you give in your capacity as a professional. For this you need PI cover. This will provide protection if a customer/client alleges that you gave wrong or incorrect advcie which resulted in him suffering a financial loss (but not an injury - that would be a PL claim). An example would be an accoutant giving poor advice about taxation matters that resulted in a hefty tax bill. Examples in the H&S field are - thankfully - rare but there are one or two. And has been said, you need to arrange what in the trade is called run off cover for several years after you stop working. A good insurance broker should be able to help and provide information on the amount of cover and which insurer gives the best deal. Get in touch if you wish to discuss Phil Grace Casualty Risk Manager - Norwich Union

Posted By Martyn Hendrie To further clarify Phil's contribution. You need employers liability if you form a limited company, even if you are the owner and only employee.

Posted By Gary IMD(UK) I think the confusion arises in so much as, with a Limited Company, as a Director, even if you work alone, you are regarded as an Employee. Regards.