{"id":30426,"date":"2021-10-04T19:56:26","date_gmt":"2021-10-04T18:56:26","guid":{"rendered":"https:\/\/www.peopleperhour.com\/discover\/?post_type=guides&#038;p=30426"},"modified":"2021-10-12T17:08:06","modified_gmt":"2021-10-12T16:08:06","slug":"insurance-when-hiring-freelancers","status":"publish","type":"guides","link":"https:\/\/www.peopleperhour.com\/discover\/guides\/insurance-when-hiring-freelancers\/","title":{"rendered":"Insurance when hiring freelancers: Everything you need to know"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Bringing someone on board can be stressful enough without having to think about business insurance! That\u2019s why we invited our friends at&nbsp;<a href=\"https:\/\/gosuperscript.com\/\">Superscript<\/a>&nbsp;to provide their insight for buyers thinking about insurance when working with freelancers. Here are some of their top tips.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Freelancer or contractor?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The terms freelancer and contractor are often used interchangeably, but they\u2019re associated with different industries and slightly different ways of working. While freelancing is usually associated with short-term work in the creative industries such as&nbsp;<a href=\"https:\/\/www.peopleperhour.com\/hire-freelancers\/design\">freelance design<\/a>&nbsp;or through online marketplaces like PeoplePerHour, contracting is more often associated with professionals working with a single client, full-time, for a longer set period of time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For the purposes of tax, both come under the classification of self-employed, which means that the onus of registering with HMRC and completing a self-assessment tax return lies with them. However, it\u2019s not quite as straightforward when it comes to your business insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Am I legally required to have business insurance to cover freelancers?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">First off, the only form of business insurance which is ever a legal requirement in the UK is employers liability insurance, which applies only to businesses with employees.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s worth noting that some contractors may be considered employees. However, if you\u2019re working with a freelancer through PeoplePerHour on a contingent basis, there is no requirement to take out liability insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Should my freelancers have their own business insurance in place?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While business insurance, other than employers liability, is not mandatory, you may feel that it\u2019s worth checking that any contractor or freelancer you\u2019re hiring is adequately covered. Of course, this can vary country to country, so you may want to check this with the freelancer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Common cover for freelancers<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Professional indemnity insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This cover is designed to reimburse defence and compensation costs in relation to the professional work which was done. Professional work could be design, advice, consultation or other services like&nbsp;<a href=\"https:\/\/www.peopleperhour.com\/services\/business\/finance-accounting\">accountancy<\/a>&nbsp;or&nbsp;<a href=\"https:\/\/www.peopleperhour.com\/services\/business\/management-development\/hr-recruiting\">recruitment<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Covers which are important in specific industries<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Media liability insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Covering infringement in media content and advertising, including website, blogs and social media, and violation of privacy rights. So, for example, if you were to accidentally use an image that you didn\u2019t have the rights for, or if you used someone else\u2019s artwork without permission, media liability would cover compensation and legal costs. This cover is automatically included in Superscript\u2019s professional indemnity or cyber cover, at no extra cost to you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cyber insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">As the world becomes increasingly digitised, the threat of cyberattacks and data mishaps looms larger. While being cyber-savvy can go a long way, all it can take is a momentary slip of judgment \u2013 a click on a dodgy link, for example, resulting in leaked confidential information and, potentially, a breach of the GDPR.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As techy as it sounds, cyber insurance isn\u2019t just for big tech businesses. In fact, it\u2019s relevant for the vast majority of businesses these days \u2013 and it doesn\u2019t just provide financial compensation in the event of a cyber catastrophe. It also provides expertise in the form of cybersecurity support and expert crisis management.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"402\" src=\"https:\/\/www.peopleperhour.com\/discover\/wp-content\/uploads\/2020\/09\/iStock-1176845368-1.jpg\" alt=\"insurance_collaborating_with_freelancers\" class=\"wp-image-29507\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019ve partnered with Superscript, who offer flexible, customisable business insurance by monthly subscription for both small businesses and freelancers to give PeoplePerHour members&nbsp;<a href=\"https:\/\/gosuperscript.com\/partners\/peopleperhour\/\">10% off their business insurance<\/a>. For more information about the different types of business insurance, and examples of when they\u2019d be useful, visit Superscript\u2019s simple&nbsp;<a href=\"https:\/\/gosuperscript.com\/blog\/a-guide-to-business-insurance\/\">guide to business insurance.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bringing someone on board can be stressful enough without having to think about business insurance! That\u2019s why we invited our friends at&nbsp;Superscript&nbsp;to provide their insight for buyers thinking about insurance when working with freelancers. Here are some of their top tips. Freelancer or contractor? The terms freelancer and contractor are often used interchangeably, but they\u2019re [&hellip;]<\/p>\n","protected":false},"featured_media":30427,"template":"","guides_categories":[419,416],"class_list":["post-30426","guides","type-guides","status-publish","has-post-thumbnail","hentry","guides_categories-administration-assistance","guides_categories-business"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Insurance when hiring freelancers: Everything you need to know - PeoplePerHour Discover<\/title>\n<meta name=\"description\" content=\"What insurance do you need before hiring a freelancer? 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