Insights and Resources

Price is often the first thing we look at when comparing insurance policies, and that applies to Professional Indemnity (PI) insurance as well. When two policies appear to cover the same type of work, choosing the lower premium can seem like the obvious way to reduce business costs.

A yoga instructor takes on a new client who discloses a pre-existing knee issue during the pre-exercise screening. Based on the information provided, the instructor develops a program designed to build strength and gradually increase the client’s training load.

Yes, having appropriate business insurance can help you qualify for work with larger clients as a graphic designer, particularly when insurance is part of a client’s procurement or contract requirements.

You complete a wedding, event or commercial shoot, but important files are corrupted, key shots are missed or the final work does not meet the client's brief.

Professional Indemnity (PI) insurance is often described as cover for claims arising from professional errors and omissions. While that is broadly true, it can create misconceptions about the types of claims a policy may actually respond to.

You finish photographing a wedding, but a storage failure corrupts part of the shoot and important images cannot be delivered. At another job, a guest trips over a lighting cable and injures their wrist.

Freelance graphic designers can face two different types of business risk. A client may allege that a design error, missed specification or copyright issue caused financial loss.

As a yoga instructor, you make professional judgements every time you teach. You decide how to cue alignment, modify poses, supervise students and structure a class from one movement to the next.

Whether you are retiring, changing careers, closing down your business, taking a career break or trying to cut costs when money is tight, cancelling your Professional Indemnity (PI) insurance might seem like an easy way to save money.