Indemnity insurance for freelancers

[Wonderbug81]

I'm looking through a contract where I'd be a creative freelancer working for an agency. The agency takes on jobs with clients.

The contracts states I need to have professional indemnity insurance for 6 years after any project has completed.

I know 6 years is standard where a company closes but I wasn't sure whether this applies where I am the freelancer, not the agency itself?

When you say “working for”, will you be employed by the agency, or a freelancer working on a designated project? Unlike employees, freelancers take sole responsibility for their work, so should have their own indemnity insurance which covers any period whether they could potentially have legal action taken against them for negligence or error.

Thank you, I'll have a contract with them and work on specific projects, so not an employee. Sounds like I do need it after all!

Hiscox or Qdos are excellent providers of PI for Freelancers

I use Hiscox and have used Balens for PL and PI

Hiscox are ridiculously expensive (at least for the cover I've needed in the past). Try Westminster.