Errors & omissions
Ask about allegations of missed deadlines, administrative mistakes, or failures in client work.
Bring the detail
Prepare service list and client contracts. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Cyber & privacy
Discuss access to client accounts, confidential files, and incident response.
Bring the detail
Prepare client locations and annual revenue. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Business equipment
Explore laptops and devices used at home, coworking spaces, or while travelling.
Bring the detail
Prepare account-access and security practices. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Details that shape the comparison
Services and contracts
Specialist tasks and contractual promises matter alongside revenue.
Client territories
Declare where clients are located and where claims could be brought.
System permissions
Explain data access, payment authority and subcontractor controls.
Record two offers in your comparison worksheet →
Look at the whole picture
Separate policies may address different risks. Ask the provider to explain any gaps or overlaps, and keep written confirmation of the answers that matter to your circumstances.
Read: Insurance questions for virtual assistants with client account access →