A scheduling error causes a client to miss a deadline. Separately, a compromised login raises questions about responsibility for the client’s data.
Why the details matter
You keep other businesses running. Explore cover for client work, digital access, and the responsibilities that come with both. The useful starting point is a description of what happens in practice: who is involved, where the activity happens, and which agreements or responsibilities sit behind it.
Three questions to take with you
- Does the business description include every service in your client agreements?
- How do contractual liability and cyber exclusions interact?
- Are overseas clients and subcontracted assistants included?
Get the information together
Use current information. If a value, location, activity, or arrangement has changed, point that out rather than relying on the previous policy’s description.
- Service list and client contracts
- Client locations and annual revenue
- Account-access and security practices
- Subcontractor arrangements
- Devices used for business
Read the answer alongside the policy
A general explanation or a certificate may leave important questions unanswered. Ask which wording applies to the specific situation, what is excluded, and what you would need to do if something happened.
Before agreeing to cover
Confirm the named people or entities, start date, territory, limits, deductibles, reporting requirements, and total cost. Keep the proposal and answers for your records. Only the appropriately licensed provider can confirm an offer and arrange the policy.
Open your preparation checklist →