In reply to edward thatcher:
> Yeah - I read that. it's interesting isn't it. Basically, I've got insurance mainly because some people ask for it - and without it you won't get work - but also because of the following:
There's is a trend of one man band type outfits (albeit with a large web presence) who I know have only insured themselves and not employees. So yes, if you want that work, then I guess you need it. Worth checking on claims made and claims occurring (though you seem clued up on stuff already).
> As I understand it, if you're working for a centre following their procedures and guidelines to the letter and someone is injured then the centre is liable. If, however, you (accidentally) step outside those procedures and someone is injured as a result then you will be liable and the centre's insurance will attempt to recoup any claim from you and/or your insurer.
Interesting dilemma. If you're outside of there (so presumably your) SOP, why would an insurance company cough up? AIM also have another interesting document on this counter claim potential. The other often cited example is about faultless claims. A centre's policy might pay out, but would yours? It's not their job to give out money unless they have to.
> Also, i hope to do some pure sole trader work at some point.
Fair point. Certainly opens up avenues.