1. People sell their knowledge and skills in every
profession. The possibility of a slip-up is inherent in
this pattern of dispensation of wisdom. When
someone is working as a freelancer in any
profession, however confident he is of his ability in
the field, he will be better equipped to do his job if he
is armed with business professional liability
insurance.
here

2. Freelancing encompasses a wide variety of jobs these days There are
videographers, graphic designers, interior designers, architects,
photojournalists, marketers, writes, and photographers working as
freelancers today Inadvertent mistakes can creep up into the work of any
one of these service providers and if the disgruntled client makes a claim
against them, they will be badly in need of professional indemnity
insurance for defending themselves in the court and paying the client if
his claim is established Even someone like a social worker, who is
supposed to be voluntarily helping others, is risking his neck when he is
offering that help

3. If a client felt that he was not in need of that help, the social worker's
refuge, in order to defend himself, will be business professional liability
insurance The premium that a freelancer has to pay for his professional
indemnity insurance is influenced by different factors Since people are
into different types of freelancing jobs, the risk involved in each are
different

4. So the protection required, and accordingly the premium will also vary
Another factor that will influence the cost of individual professional
indemnity insurance is the annual turnover of the company in which the
freelancer is employed The cost of business professional liability
insurance will also vary based on whether the freelancer is working
through an agency or directly

5. The cost is bound to be lower for those employed through an agency In
certain industries in which freelancers are very much in demand, some
clients may not even sign the contract unless the freelancer has
professional indemnity insurance Software development is one of the
fields where those who give work can be quite insistent on the freelancer
having business professional liability insurance

6. Freelance medical writers are also another vulnerable category where
those who use their services prefer to have those with professional
indemnity insurance than those without one Authors and article writers
may also ideally have professional indemnity insurance, even though
they are not catering to the needs of a specific client Authors proclaim in
the front page of a work of fiction that the book is not based on any real
life character and that everything written there is a figment of imagination

7. But everybody is not satisfied with these claims and people often go to
court with charges of libel and defamation against an author Even where
these charges have no merit at all, the cost of defending himself against
these charges can be substantial for an author Without business
professional liability insurance, he may find it very difficult to cope with
the demands of such a situation

8. The insurance companies, which give business professional liability
insurance, do not always compensate the claimants in the same way In
certain cases the complainant may be paid cash by way of compensation
while in another case a damaged item may be replaced or repaired The
insurance company providing the professional indemnity insurance will
decide on the method of settlement based on the merits of each case

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