Insurance for freelancer

[RhinestoneCowgirl]

I left my PAYE job in February. I've since been looking for freelance contracts. My first contract (since May) is in a community development type role and is only 4-5 hrs per week.

Last week was offered freelance contract for a much more substantial role, producing a regular newsletter for a local charity. The brief states that it is freelance role (all fine, am registering as self-employed for tax) and that I must have my own insurance. Does this refer to Public Liability? Don't think Professional Indemnity would apply?

What kind of insurance cover do you have for your freelance work? I asked a friend who is freelance journalist (so vaguely simlar area) and she said she didn't have insurance cover...

Any advice gratefully received

Professional Indemnity may well apply if you are producing a newsletter - what if you (accidently, of course) say something defamatory, especially if there is an online version.

In the past I have managed social network accounts for clients on a freelance basis and that was a nightmare to get insurance for as I had direct access to the accounts and no-one had to approve what I was posting. In the end there was only one company who would insure me - that was Hiscox.

I would definitely get Professional Indemnity insurance.

Also - once you are earning a decent salary - salary protection if you become ill and can't work is worth thinking about.

Good Luck!

Thanks Anna, that does help to clarify things. I will look at prof indemnity.

I am bricking it slightly as I feel like I'm making it up as I go along! I think I'll feel better when I can actually start the work