PERSONAL ACCIDENT, SICKNESS AND TRAVEL INSURANCE

In present day’s fast life, everyone wants to secure the source of their regular income. Not only as a business owner or an employee somewhere but even if you are a freelancer, you must understand the need of the personal accident Insurance, sickness and travel insurance policy. As a freelancer, if you’ve met with an accident and are injured or if you are sick for some time and out of work, then we as your insurer will send you a weekly payout to help you meet with your daily needs. We will also bear your medical expenses and if you have lost some expensive items while you were travelling, we will replace them too for you. The deferred period before the start of the payments is only 7 days and we can keep making that payment for up to 52 weeks. A lump sum amount can also be paid for the specified disabilities like the loss of an eye or loss of a limb or in case of death.

We, at Freelance Insure, provide you with an easy and quick cover which you can buy online too and with us there is no need of a medical too. If you specify, we can also upgrade it and include a Personal Accident Sickness Insurance cover for you as well as your family.

Read More

HEALTH AND SAFETY INSURANCE

Every business comes with a legal responsibility of providing a safe working environment to its employees, and everyone else who can come in contact with the business like suppliers, customers, tradesmen etc. It is very easy and nice to think that accidents and injuries will never occur at your work site but the reality is quite different. Studies have shown that every year more than 2 million people in the UK suffer from bad health caused, or made worse by work at the workplaces. Moreover, 150,000 accidents and injuries are registered every year. And sadly, over 200 people annually lose their lives at work.

In the office premises, your staff can get repetitive strain injury, back problems or any other muscular or skeletal problems due to the continuous use of the computers, poor designing of their workstations or may be cramped or insufficient space. These problems can definitely become serious if you don’t take a quick action. The financial consequences or pay puts are surely severe if it is proved that you are responsible for their ill health.

Thus, the key for you is to make sure that people don’t get such problems in your work place and prevent people being getting harmed, by taking the right precautionary measure. The most easiest and the cost effective way of saving yourself form all these hassles and also saving your finances is by implementing the health & safety insurance measures and buying a health and safety policy.

We, at Personal Insure offer you a Health & Safety Insurance guidance policy which outlines the easy steps you must take to make your office a safe and acceptable work place. By complying with Health and safety policy regulations, you will surely have an enough strong case in your defense if any Health and safety related claim is filed against you.

Read More

The Benefits of Professional Indemnity Insurance

To understand the primary benefits of professional indemnity insurance, you only need to consider the consequences of not being covered. You could lose your reputation, your business, your livelihood. In short, everything you have worked so hard to secure.

Whether you’re a freelancer, contractor or consultant, if you provide any kind of professional advice or service for a fee, as an individual or as a small firm, you need professional indemnity insurance. In short, it will protect you against any loss or damage arising from your mistakes.

Not relevant in your case? Have another think about that. It’s no insult to your professionalism to make the point that we all get things wrong occasionally, particularly when we’re stressed. Everyone is fallible. And even a small mistake - putting a wrong figure in a document or the wrong telephone number in an advertisement - can cause serious problems.

If the client loses money as a result and you’re sued, professional indemnity insurance will cover your defence costs and, if the judgement goes against you, the cost of any award. Knowing you have that kind of protection can put an end to a lot of worry.

And if you have the right professional indemnity insurance policy, you’ll also be covered for the cost of making good any mistakes you might have made. Which can be the most effective way of sorting out a dispute although potentially a financial problem for you if it involves work you hadn’t budgeted for.

There are some other very good reasons for taking out professional indemnity insurance. Suppose it wasn’t you who made the mistake. Suppose it was one of your employees, or sub-contractors. Or perhaps there was no mistake at all. It could be that a client simply doesn’t think your professional services were as professional as they should have been and a dispute develops that ends up in a costly legal tussle.

Once again, professional indemnity insurance will cover all of your legal expenses - and, in case you hadn’t noticed, lawyers aren’t cheap nowadays.

The benefits of professional indemnity insurance can’t be overplayed. However, it’s important to point out that not all policies are the same. To make sure you find the one that meets the needs of you and your business, call 0333 3211 403 or email schemes@freelanceinsure.co.uk today.

Read More

Blue Monday

It's Blue Monday!

The official most depressing year of the day, or so them say. Me, I dunno if it is or not. The sky's looking pretty blue to me, and some coffee will be on the go soon.

Anyway, Blue Monday, according to the Wikipedia:

Blue Monday is a name given to a date stated, as part of a publicity campaign by Sky Travel, to be the most depressing day of the year.

This date was published in a press release under the name of Cliff Arnall, at the time a tutor at the Centre for Lifelong Learning, a Further Education centre attached to Cardiff University.Guardian columnist Dr Ben Goldacre reported that the press release was delivered substantially pre-written to a number of academics by Public Relations agency Porter Novelli, who offered them money to put their names to it.^[1] The Guardian later printed a statement from Cardiff University distancing themselves from Arnall: "Cardiff University has asked us to point out that Cliff Arnall... was a former part-time tutor at the university but left in February."^[2]

According to a press release by a mental health charity^[3], the formula is:

where weather=W, debt=d, time since Christmas=T, time since failing our new year’s resolutions=Q, low motivational levels=M and the feeling of a need to take action=N_a. 'D' is not defined in the release, nor are units.

Read More

BUSINESS COMBINED INSURANCE

At Freelance Insure, we provide you with total cover for all your different business assets in one cover. From fire, accidental damage, vandalism, theft, natural calamities to the cover for your building, machinery and its parts, contents, business stock and equipment, we cover all in one combined business Liability insurance. We also cover you for business interruption, products and public liability, goods in transit, an all risk cover, terrorism cover. All this is available with Freelance Insure at very competitive rates and you can even pay in monthly installments.
Business Combined Insurance is excellent for any business type; however, particularly it suits the wholesalers and manufacturers. It is generally a little more complex as compared to the shop and office insurances. We can also customize the cover according to your business needs and requirements

Read More

Why does an interim manager needs PI insurance?

Interim managers or the turnaround specialists, now-a-days are preferred by majority of clients to yield an impressive financial as well as operational result out of the existing viable business. The ability to completely understand the situation, needs and wants of a client mere with a scant detail about the assignment has helped them to gain the success and fame all across the globe.

The interim manager PI insurance is designed to fill the difference in client’s expectations and performance of interim manager. If this gap exists or gets wider then you will be left with aggrieved clients and their huge financial compensation. The litigations against an interim manager will badly affect him for example his confidence may get totally crushed, his personal or business earnings may get threaten by this incident. That is why interim managers insurance helps you to concentrate on the protection instead of worrying about the money for the court proceedings.

Our bespoke insurance policy covers against common risks like violation of rule, errors or mistakes or negligence while at work, intellectual property rights infringement, loss of data or documents etc. Products available include interim manager Insurance, PI insurance, public liability insurance, employers liability insurance, business equipment cover, insurance for IR35 tax protection, health and safety insurance and personal sickness and accident insurance.

Read More

Insure yourself with Personal Accident Insurance because accident happens anytime, anywhere…

No matter how careful you are while driving or crossing the road, you may face an accident at any point of time. These mishaps are sometimes serious and may lead to physical impairments, or even death or permanent disability. Any of these terrifying consequences will ultimately push your family in dire monetary loss. Our Personal Accident, Sickness & Travel Insurance policy helps you to overcome such financial crisis. Our personal accident insurance policies are tax efficient and easy to qualify meant for round-the-clock protection. It is recommended to choose an appropriate level of protection for you and your business as per your income. Your investment of 70 pence for a week in this policy will pay out £1000 per week if you fell ill. So, get protected with our personal accident sickness insurance coverage and rest with ease.

Medical is not required as the cover can be easily arranged in few minutes and can be upgraded at any point of time. All is possible only if you know what is covered and what not

Read More