Re: UK: Professional Indemnity/Liability Insurance

Subject: Re: UK: Professional Indemnity/Liability Insurance
From: Lauren <lauren -at- writeco -dot- net>
To: techwr-l -at- lists -dot- techwr-l -dot- com
Date: Thu, 25 Jan 2018 01:48:20 -0800

After hitting send, I found more to say. When looking for insurance, you need to figure out what kind of coverage you will need. For most writers, errors and omissions insurance (or professional indemnity insurance) should be enough because you are not dealing with people or safety directly.

Here is a UK insurer who describes the insurance and provides quotes.
https://www.blackfriarsgroup.com/errors-and-omissions-liability-insurance/

Here is another description that states thereâs not a difference between errors and omissions insurance and professional indemnity insurance.
https://www.simplybusiness.co.uk/insurance/faq/what-is-the-difference-between-errors-and-omissions-and-professional-indemnity-insurance/

And another description.
http://www.bluedropservices.co.uk/blog/201/professional-indemnity-insurance-or-errors-and-omissions/

The bottom line is that if you are working as an employee of a contractor for the client, then you do not need insurance. If you are working as your own business, then you could need insurance but it is not likely that you will be sued.

If the nature of the documents that you will work with have somebody else signing off on the documents, then you probably do not need insurance. If there are many writers, then you should not need insurance, as it would be unfair to you. If no one is relying on your documents for financial policies or decisions, or for safety, then you should not need insurance. If your employer or client can be sued based on your documents then you must have insurance for your security.




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Follow-Ups:

References:
UK: Professional Indemnity/Liability Insurance: From: Stuart Conner
Re: UK: Professional Indemnity/Liability Insurance: From: Lauren

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