/ Insurance required or do clients get there own?

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Boulderdash86 on 15 Aug 2013
Morning,

Just wondering how Insurance stands, if your an ML and you are taking people out and getting paid - do you need public liability insurance or whatever or do you just say that its worth the clients having there own insurance?

Thanks

BD
Luke Brooks - on 15 Aug 2013
In reply to Boulderdash86: I'd advise getting your own professional liability cover from someone like Perkins Slade.
Howard J - on 15 Aug 2013
In reply to Luke Brooks: You need public liability insurance. Even if the client is insured, if it's your fault their insurers will go after you to recover what they've had to pay out.
highclimber - on 15 Aug 2013
In reply to Boulderdash86: if you are a member of the MTA you can get their insurance for around 169 quid. That will covet you for the remit of the ml. Even if you are working as a freelance for other companies, it is advised that you get cover especially if you have a mortgage etc. For the record, I went with the BMC insurance (underwritten by the same insurers as the MTA) as it covers you for more things like gorge walking but it is double the price.

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