faqs

What insurance do I need as a freelancer?

As a freelancer, you can make mistakes that cost your client’s money. You can insure this risk with professional indemnity insurance. If you meet with clients, work in a shared work space, or interact with anyone else while working, (waitresses, taxi drivers etc.), then you’ll need public Liability insurance. It covers you if you do something that accidentally harms them

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How much is freelance insurance?

How much is insurance for freelancer? Less than you think! From 25p a day we can provide professional indemnity insurance of £100,000 each claim. Our average freelancer pays less than £18 per month. Of course, the price depends on your level of coverage and your own situation. Every customer has different needs. Our most popular limit for freelancers is £1,000,000

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Is there a Dinghy refer a friend scheme?

Is there a Dinghy refer-a-friend scheme? Yes there is indeed! It’s a great way to supplement your income. Find out more here. What’s the reward for referring a friend? When you refer a friend and they buy a policy, after their third successful monthly payment both you and your friend are each eligible for £15 worth of either Amazon or

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What is Professional Indemnity insurance?

This article will help you understand what Professional indemnity insurance is, and why it is important for any business that gives advice. Professional Indemnity insurance is a fundamental insurance for businesses that covers the costs and compensation to your client if you’ve made a mistake in your design or advice, now or in the past, that ends up with them

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How does Professional Indemnity insurance work?

This article will help explain how Professional Indemnity responds to claims, and why it’s important to have a trusted insurer behind you. At a fundamental level, all insurances work the same way. Insurance companies are able to use the buying power of large volume of customers to get the best people to help their customers when they have a claim.

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Professional Indemnity Claims Examples

This article will help you understand professional indemnity claims; and why Eminem sued a New Zealand political party. Before getting stuck in to some examples, here is a brief re-cap on Professional indemnity insurance. If you want to read more, then visit our Professional Indemnity insurance page. Professional indemnity insurance covers you for making mistakes. From large scale architectural errors,

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What is an “Excess”?

This article will help you know what an insurance excess means, and why it is important to consider it before you buy An insurance “excess” is the amount you pay towards a claim. So if a claim costs in total £1,000, and there is an excess of £100; you pay £100 as contribution to the claim and the insurer pays

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What level of Professional Indemnity insurance do I need?

This article will help you understand the risks that Professional Indemnity covers, and give you a guide on what limit you should buy. Choosing your Professional Indemnity insurance limit can be a confusing matter for everyone. There is no right answer to this question, as it depends on the contracts you have and the clients you work for. The main

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Do I need Cyber Insurance?

Help you understand the growing need for cyber and why any business that holds customer data should have it There is no legal requirement to insure your cyber risks from a data breach. However, in 2018 new EU regulations are coming into force, with tougher fines and requirements to act and respond to a data breach. Having proper Cyber Liability

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How does Public Liability insurance work?

This article will help explain how Public Liability responds to claims, and if you need it. Public Liability insurance covers the cost of legal action and compensation claims made against your business if a third party is injured or their property suffers damage whilst at your business premises or when you are working in their home, office, coffee shop or

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