US · Liability basics
Professional vs general liability: what’s the difference?
A mistake in your work and an accident at a client’s office raise different insurance questions. Start by separating the two.
For the independently employed
You know your work.
Know your cover.
Straightforward insurance guides for freelancers, consultants and small agencies. Understand the terms. Ask better questions. Make a more informed choice.
No quotes to unlock. No personal details to hand over.
US & UK context, clearly labelled
Source links with every guide
No insurer rankings or sales pitches
Build your understanding
A good place to start.
UK · Liability basics
Professional indemnity vs public liability for freelancers
The names sound similar. The exposures they address are different.
US & UK · Buying guides
Compare business insurance quotes beyond the price
Two quotes can look similar on the first page and answer very different questions in the wording.
The right context matters
Two markets. Clear distinctions.
Different terms, different rules. Start with the country where your business is based.
US
Working in the United States
Explore general liability, professional liability and E&O. Prepare a clear brief for a licensed insurance professional.
Read the US guidesUK
Working in the United Kingdom
Get familiar with professional indemnity, public liability and cyber cover. Know what to ask your broker.
Read the UK guidesA practical next step
A lower price isn’t
the whole picture.
Use our quote checklist to organise the details, spot unanswered questions and keep your comparison consistent.
Open the quote checklist- 01 Services and activities insured
- 02 Limits, exclusions and excesses
- 03 Claims support and reporting
- 04 Total cost and contract requirements
For the way you work
From solo practice to small agency.
US · Professional liability
E&O insurance for independent consultants: a buying brief
Give an insurance agent a precise picture of your consulting work before you compare premiums.
UK · Cyber insurance
Cyber insurance for digital agencies: questions before you buy
Build the discussion around your access to client systems, not simply the number of laptops in your office.
US & UK · Agency guides
Build an insurance brief for your digital agency
A useful brief explains what your agency does, what it can access and what its contracts promise.
Our approach
Useful explanations.
Visible sources.
Insurance is too important for sweeping promises. Our guides separate general explanations from policy-specific questions, label the relevant market and link to the sources behind the core concepts.
We don’t sell policies or decide whether a claim is covered. Use the desk to prepare for a conversation with a qualified insurance professional.
Read our editorial standardsThe learning desk
Read the details with confidence.
US & UK · Policy wording
Policy wording, schedules and endorsements: how to read the documents
A short summary can orient you. Understanding the contract takes a complete set of documents.
US & UK · Insurance basics
Business insurance terms in plain English
Use these explanations to get oriented, then check how your own policy defines each term.
US & UK · Renewal planning
A freelancer’s insurance renewal review: what to organise
Renewal is a chance to check whether the description of your business still matches reality.
UK · Before you buy
How to check an insurance firm using FCA resources
A familiar logo or convincing email is not enough to establish who you are dealing with.
US · Before you buy
Finding your state insurance department: a freelancer’s guide
Use the relevant state regulator as your starting point for official insurance information.
US & UK · Client contracts
US and UK clients: questions about cross-border insurance
“I work online” does not describe all the geographic connections in a client relationship.