professional indemnity and public liability insurance

I don't understand why you would avoid/not carry either

PI - your designs and 'any' advice perceived as provided in your knowledge area (or incidentally..)

PL - someone is knocked by/ or into something in your "office" or whist at someone else's location.... and you have an incident...


And to get an idea... talk to any of the big boys, Hiscox, AXA etc.

or just put in Professional Liability UK into google and chat to them.

(they are usually very friendly...)


You might also talk to your accountant (they are a font of knowledge)... you do have one ?

an initial chat to see if you get on with them/their rates will be free.

go talk to 2 or 3, ideally go to one specialising in 1 man/small business like yours (cf a shop or desk business)

Be ready to change if the one you choose doesn't work for you / your style.


Oh, and get a Waste Transfer License !!!

(free and no need to renew for most people,

 but without it and you get stopped carrying ANYTHING construed as waste in a business capacity....and fines can be big)
https://www.gov.uk/waste-carrier-or-broker-registration

"Registration is usually free if you only transport waste you produce yourself.

Otherwise, registration costs £154."

I don't understand why you would avoid/not carry either

PI - your designs and 'any' advice perceived as provided in your knowledge area (or incidentally..)

PL - someone is knocked by/ or into something in your "office" or whist at someone else's location.... and you have an incident...


And to get an idea... talk to any of the big boys, Hiscox, AXA etc.

or just put in Professional Liability UK into google and chat to them.

(they are usually very friendly...)


You might also talk to your accountant (they are a font of knowledge)... you do have one ?

an initial chat to see if you get on with them/their rates will be free.

go talk to 2 or 3, ideally go to one specialising in 1 man/small business like yours (cf a shop or desk business)

Be ready to change if the one you choose doesn't work for you / your style.


Oh, and get a Waste Transfer License !!!

(free and no need to renew for most people,

 but without it and you get stopped carrying ANYTHING construed as waste in a business capacity....and fines can be big)
https://www.gov.uk/waste-carrier-or-broker-registration

"Registration is usually free if you only transport waste you produce yourself.

Otherwise, registration costs £154."