Re: UK: Professional Indemnity/Liability Insurance

[Lauren <lauren -at- writeco -dot- net>]

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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