IT CONTRATORS INSURANCE

As we all know that IT contractors offer services and counseling to the professionals and a lot of other clients. To do so, they must ensure that they have a proper insurance cover to protect them from any unwanted situations like a contractual liability, any error in financial responsibility etc. A lot of clients prefer that the IT contractors should have the IT contractors insurance before hiring them. These days this cover has become a necessity for the IT contractors to run their business smoothly and have regular clientele.

While on job, you as an IT contractor can misplace some important papers, any of your advice might not work and as a result your client ends up with a huge loss and many such untoward incidents can occur. So if you have this indemnity insurance, it becomes the responsibility of your insurance company to take care of the legal costs and the compensation money that needs to be paid to the client. The compensations in these kinds of cases can be really high and leave your company financially crippled and also the legal costs are huge too. So if you don’t have IT contractors insurance, you will have to pay all this from your own pocket and as a result you will end up losing your business.

Lawyers these days are very skilled to file a case against you even if it is not your mistake but the sub contractor’s. So, you need to make sure that if you are hiring a sub contractor, he must also own this cover as it will lessen your liability and also your insurance rate will be lower.

CRITICAL ILLNESS INSURANCE FOR CONTRACTORS

Anyone who is into any kind of a business can tell you that the only way to make your business stand successfully is just hard work and more hard work. There are no fixed working hours and no fixed holidays. No fixed time to eat and rest. And especially when you are a freelancer, you know you have no one to back you up in the time of crisis, you work even harder. So, sometimes, this working hard and working day and night can take a toll on your health.

What if you fall ill and the doctors say that you are not fit to work for a long time? How will you feed and support your family? For these kinds of situations when you are critically ill and you are the main bread earner of the family, the critical illness insurance comes to your help. During the time, when you are unfit to work, your insurance company will provide all the money as per the mention in your policy cover, to you, to support your family. You can even extend the cover and get your medical bills covered too. Buying critical illness insurance is the easiest way to support and make your family comfortable in difficult times.

CONTRACTOR BANK ACCOUNT

Many banks these days still don’t understand the problems that a freelancer or a self employed contractor may face while opening a contractor bank account. So, we at Coulson Pritchard, have designed a customized banking service for the contractors. This service by us is not only free, but get them high rate of interests too. If you have an account with us, you can not only access it online but over the telephone also and save your valuable by not coming to the bank every time you want to make a transaction. We have all the normal banking facilities available for you and much more like a Gold VISA business deferred debit card and that too with no annual charges.

With us, you can make up to 30 transcations for free, per month and the opening balance limit is only 500 pounds. You can deposit your funds in sterling, US Dollars or Euros and u also get an attractive tiered rate of interest of up to 4.59 AER.

What else can you ask for? We even customize your bank account features according to your requirements and need. So call us at 01480 470220 or log onto www.coulsonpritchard.com and download the form to open an account with us.

CRITICAL ILLNESS INSURACE

As a contractor, you work really hard to keep your business floating in the safe waters and also go through a lot of work pressures and pressures of meeting deadlines. This can seriously affect your health. You don’t get time to exercise, eat proper meals which can worsen even a minor illness. As a independent contractor, you are a greater risk as compared to your employed counterparts as they have a backing up of their employers in case of a loss but you will have to bear the entire loss yourself while you are seriously ill as you are self employed.

There are a lot of advanced technologies to cure your illness but what if you are down with some serious health problem? Who will take care of your family and your medical expenses? This is where the critical illness insurance comes as a helping hand for you. Your insurance company will pay you a lump sum amount as soon as you are diagnosed, so that you don’t have to worry about the medical bills from the start till the end. This is the best cover to protect yourself and your family in a bad situation. Most of the insurance companies are offering this insurance at very competitive rates and if you choose to buy it online, it can be faster too.

GET AN ADVANCE PAYMENT FOR YOUR INSURANCE CLAIMS

A lot people who have insured themselves and their businesses do not know that they can also get an advance payment for their insurance claims. When there is a huge loss like a tornado, big water damage, flood, hurricane or wildfire, the insured can get some part of their insurance money as an advance payment as their claim. This comes as an immediate relief to the insured in tough times when he has lost almost everything that he owned. For example, if the insured has lost all his belongings and needs some clothes and shoes and some food immediately, then these advance payments are a great help. This can also be done when the insured have suffered huge losses in their business and needs more money to start running their business again.

A lot of indemnity insurance companies widely accept the custom of paying advance payments, however, one thing to keep in mind is that there is nothing written in the policies specially. The insurance companies extend this as a courtesy to their policyholders in difficult times. The insurance companies don’t really come upfront and offer the advance payments but if the insured will make a request, they surely recognize it.

CONTRACTOR LIFE INSURANCE

Everyone wants their family and loved ones to be secure monetarily in case something happens to them and especially if he is the main breadwinner of the family. So it becomes absolutely necessary for you to buy a contractor life insurance and secure them for their life once you are gone. No one can fill your place for your family but a viable life insurance may be a great help to them and a driving force to recollect their lives. It will save them from a lot of financial hardships that may have to face in your absence from their lives.

There are two kinds of contractor life insurances available. One is the term contractor life insurance and the other one being the whole life insurance. Mostly people prefer to take the term contractor life insurance for about ten to thirty years as these are the years when they are settling in life, kids are going to school and they need a security for their higher educations. As the period of term life policy ends, unless you renew it, it is considered to be lapsed.

However, in the whole contractor life insurance, the insurance is offered for your entire life. This type of insurance is expensive as compared to the term life policy and has lower death benefits too. This policy also requires premiums to be paid regularly till death. And the main advantage of the whole life insurance policy is that it becomes a kind of saving as it can be cashed or borrowed, thus acting as an asset for the insured person.

FORENSIC CONSULTANTS INSURANCE

Forensic consultants are people who solve the crimes by collecting, recognizing, identifying and interpreting the evidences with the help of science and medicines. As the forensic consultants are more prone to fall in the financial liabilities, they must get forensic consultants insurance. If the client feels that their job is not done properly or they are at fault, the client can file a lawsuit against them. So it is always advisable to buy professional indemnity insurance for a forensic consultant.

The forensic consultants insurance protects the consultant against the huge financial liabilities that may be imposed on them by their clients due to negligence in the job assigned. With Coulson Pritchard, you can get the forensic consultants insurance done online very easily. You just have to fill in some details in the online form and pay and in just a matter of few minutes you can get your insurance certificate printed online only. Also with our online policy, you can get your claims settled faster and you might also end up paying lower premiums as compared to the others.

So just log onto www.coulsonpritchard.com and get a free quote now.

FORENSIC CONSULTANTS INSURANCE

Forensic consultants are people who solve the crimes by collecting, recognizing, identifying and interpreting the evidences with the help of science and medicines. As the forensic consultants are more prone to fall in the financial liabilities, they must get forensic consultants insurance. If the client feels that their job is not done properly or they are at fault, the client can file a lawsuit against them. So it is always advisable to buy professional indemnity insurance for a forensic consultant.

The forensic consultants insurance protects the consultant against the huge financial liabilities that may be imposed on them by their clients due to negligence in the job assigned. With Coulson Pritchard, you can get the forensic consultants insurance done online very easily. You just have to fill in some details in the online form and pay and in just a matter of few minutes you can get your insurance certificate printed online only. Also with our online policy, you can get your claims settled faster and you might also end up paying lower premiums as compared to the others.

So just log onto Professional indemnity insurance and get a free quote now.

SOCIAL WORKERS INSURANCE

Social work is a really noble and a responsible job wherein a person dedicates himself in serving the society and bringing a difference in the society by his efforts. Being a social worker, you must understand the need of a social workers insurance for yourself an also for the smooth running of your work and efforts to make this world a better place.

With the social worker insurance you can not only protect yourself, staff any visitors but your office premises as well. This cover not only protects you in your homeland but also if you are managing an operation at some other place. As a social worker you are doing your job selflessly but in today’s litigious world the saying, “One good turn deserves another” doesn’t stand true anymore. Even if you are thinking well about someone, they can easily sue you if they do not like what you are doing for them. So at these times, when someone tries to challenge your professional liability, the social worker insurance comes as a great help. You can even ask your insurer to help you get a tailor made policy wherein you can protect not only your own interests but your employees too. So go ahead, but a social workers insurance policy and keep doing the noble work tension free.

FINANCE AND ACCOUNTANT INSURANCE

Being an accountant is a challenging task in itself and it becomes even difficult in today’s litigious society when every client is ready to sue you at the drop of a hat. This profession needs a lot of attention and care while you are in the process of finalizing the company’s balance sheets. Apart from an accountant, other finance related jobs like the financial controllers or the credit controllers can also get very risky sometimes. So it is always a right decision to buy a finance and accountant insurance if you belong to one of these fields. Any company or client can sue you for not giving the correct figures in the balance sheet on which most of the clients rely. And if because of your wrong entries in the balance sheet, they suffer a loss, then they can easily drag you to court and in such cases the value of the claims filed can be very high.

So, Coulson Pritchard always advises you to own a finance and accountants insurance to safeguard your interests and to save yourself from burning a hole in your pocket. After you buy insurance from us, it is completely our responsibility to take care of all the compensation to be paid out and also the legal fees. With Coulson Pritchard, you can even get a free quote online and if you decide to have insurance from us, you can just fill in a simple form online and can print the certificate. Just log on to www.coulsonpritchard.co.uk for more details.

Interim Manager Insurance

As we all know that being an Interim Manager is a full time job, however, interim managers do not get the benefits as a regular employee and also this profession does not offer them job security, fixed salaries, pension, holiday allowance and sick allowance etc.

You, as an interim manager can also face may face litigation or anyone can file a case against you if they feel that the advice you gave them was wrong or it didn’t work for the benefit of their company. At Coulson Pritchard, we offer you a wide range of specially customized interim managers insurance which cater to the interim managers working in different fields like mergers and acquisition, personal management and selection, public services admin, HR consultants, company development and planning, sales, finance and accounting, training, operations, marketing and PR and others.

With us, professional indemnity insurance cover provides you the cover for all the legal expenses and any kind of compensation payouts that you will otherwise incur from your own pocket.

PHOTOGRAPHERS INSURANCE

Hi!! Looks like you have just bought some very expensive and new camera equipment – it must be expensive!

And we hope it will be really bad if you lose it. So insurance is actually something that you should surely think about, if you don’t have it already.

You definitely need the Photographers Insurance equipment and liability insurance which cover your equipment for damage, theft and other loss. There are so many times that you are transporting your extremely expensive equipment by car or so many times you just leave it in the parking lot. Anything can happen there and your equipment can be damaged or lost. This is the time when the photography equipment and liability insurance comes to your rescue. Just make sure that you get a “replacement” cover. As the liability insurance specialists we suggest that if you shoot commercially, you must consider some liability cover too. By mistake, if someone trips over your tripod and hurt his head, you can be in trouble in this litigious society. We provide you with the complete Business Owners Policy which is a photographer specific policy. The costs are very competitive and the peace of mind that you will get is surely priceless.

CONSULTING ENGINEERS INSURANCE

Consulting engineers insurance cover is a policy required in the software engineering field as it protects the major interests of the consulting engineers. Consulting software engineers are the ones who take care of their client’s interests in making an application, software system or any software product for them. These consulting software engineers serve people according to their requirements and needs. You can either go to them for a brief consultation or hire them for totally designing and co coordinating the complete project as they mostly do the technical visioning between the suppliers, specialists, contractors, architects and their client.

As a professional and responsible engineer, in case you face any unpleasant or unwanted incident, the consulting engineer insurance gives you the monetary assurance and help you recover any kind of loss that you may have suffered. Buying this engineering insurance cover will help you bear not only the legal expenses but also all the expenses of any claims that you need to pay. This policy will also cover you in case the allegations made against you are proved to be false. It is always a sane decision to acquire consulting engineers insurance and be protected rather than suffering huge monetary and reputational losses because of negligence.

FREELANCERS INSURANCE – OPPORTUNITIES FOR CREATIVE PROFESSIONALS

Freelance insurance in UK is quickly gaining popularity. A lot of insurance companies are offering a lot of excellent cover policies on freelance insurance which caters to a huge range of needs and requirements and also come with very lucrative and attractive terms and conditions. With the coming of the Internet, there are a lot of freelancers around the world and the numbers are increasing rapidly. Everyday more and more people are choosing to work on their own or independently, from their own workplace or from the comforts of their homes. Some are even setting up a small team of other independent freelancers to pull in a good amount of profit.

Freelance insurance covers most of the creative and media professionals like people from the field of PR, marketing, graphics, interior and web designers, any new media fields, illustrators, copywriters and editors, fashion, wedding and even corporate freelance photographers. Freelancing, like other commercial activities or businesses, is also not free from the clutches of the legal or financial. In other words we can say that a freelancing activity, if turned awry, may result into a huge monetary and business loss for your client. Freelance insurance is specially designed to cover the costs of the defending claims filed against the insured, which also includes the damages which are payable. It is a kind of an indemnity insurance which ensures the much required peace of mind for the freelancer.

By buying a freelance insurance policy cover, whatever may be the density of an unforeseen financial loss, you will be able to pay back with a smile on your face and that too without feeling the pinch.