Insurance
Things to consider
Being freelance means you do lose a number of benefits employees receive. One of the main ones being insurance. Freelancers should consider taking out a personal policy to cover them in the event of accidents.
Most client companies will have a public liability insurance policy which covers staff and equipment, it is here where freelance cover is not always specified. In theory a freelancer could take a channel off-air, spill coffee over equipment and so on. In these cases there could be a realistic expectation that the freelancer and client is covered by an insurance policy.
Some agencies provide a public indemnity cover for their freelancers, some clients also expect freelancers to have this in place. It is a very good idea to at least have a personal policy that covers loss of earnings through illness.
Typical levels of cover required by most companies:
£1M - Professional Indemnity and Public Liability.
Frame 25 contractors are covered under our company policies whilst they are working on an assignment.
It is well worth taking out a health insurance policy to protect yourself and your income in the event of illness.
Caunce O’Hara have a long established reputation for providing comprehensive polices for contractors across a number of industries. All policies can be accessed online and are easily to customise.
These policies are aimed at broadcast/media professionals and can be easily customised with various levels of cover.
Useful Links
Company Insurance
Kingsbridge - 10% Discount
Health Insurance