Business Combined insurance
For those of you trading from home, most household insurance policies do not cover you for equipment owned by your company. The Business Combined insurance policy automatically includes a minimum of £5,000 business equipment cover.
As a limited company employing yourself or any other person, it is a legal requirement that you have Employers Liability Insurance. Business Combined insurance automatically includes £10,000,000 cover for this or £5,000,000 whilst offshore.
You owe a duty of care and legal liability to the client for any injury or damage caused by you at their premises. To cover this, the Business Combined policy automatically includes a minimum of £1,000,000 Public Liability cover.
Your contract with an agency will not provide insurance for your legal liabilities - it is your responsibility.