One of the first things to do is to consider the specific risks inherent in your business . Will you have to cover material, human, cyber, administrative, legal risks…
Of course, this will depend on your job and where you do it . If you essentially stay at home and do not hire service providers / employees, you will have less risk to cover than a freelancer who often goes to the client and uses large equipment.
2. The volume and type of customers
Another thing to take into account: the profile and number of your customers . The more clients you have, the more risk you take.
Also, if you work with large corporations, construction companies, or organizations that operate in sensitive areas (such as medical or security), you will need enhanced protection.
Indeed, this type of clientele often has strict contractual obligations. Not to mention that they can make expensive equipment and resources available to you. In the event of a problem or complaint, the cost can be high for your small structure. Better to be well protected.
3. The level of coverage
Following the precise analysis of your needs, make sure that the chosen freelance professional insurance offers different levels of cover . The objective is to find the formula with the best protection/price ratio.
No need to subscribe to an offer containing Bahrain Phone Numbers List high material guarantees if you only work with your PC, in your living room. And vice versa! Prefer to boost the protection if you regularly travel to construction sites.
4. Exclusions
As with any contract, you must read the small lines… What are the exclusion criteria ? It would be a shame to discover that your missions and that risks specific to your activity are not covered by your professional insurance…
So remember to find out about the conditions TR Numbers to be met in order to receive compensation, as well as the situations where you will not be reimbursed.
