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Posted By: Betwixt The Dark Side - 10/02/20 10:46 AM
Hi all,

Long time lurker, first time poster. Thanks for all of your posts so far.

After 9 years of NHS bureaucracy service, I am looking into the possibility of becoming self employed. I've also got the added advantage of being qualified in a couple of electrical areas, too. Has anybody done this, and has any advice for stepping out on your own? Primarily, I'm finding liability insurance to be the biggest obstacle.

It'd be great to hear from anybody that's done this, either successfully or not. Cheers.
Posted By: Geoff Hannis Re: The Dark Side - 10/02/20 6:53 PM

PM sent. smile
Posted By: Stargolf Re: The Dark Side - 12/02/20 10:10 AM
PM Sent
Posted By: Betwixt Re: The Dark Side - 13/02/20 7:39 PM
Thanks everybody so far!
Posted By: John Sandham Re: The Dark Side - 17/02/20 12:16 PM
Hi Betwixt,
I started out doing management consultancy many years ago. I pay an annual premium of £97 for public liability at £1M. The range is £75 to £500 PA.

Put some of the onus on your clients, they will also have insurance. Always get a signed agreement setting out the scope of your work, and a non-disclosure agreement is also a good idea. You may well be covered by your client having an insurance agreement that covers contractors.
Posted By: Geoff Hannis Re: The Dark Side - 17/02/20 3:50 PM

If working through an agent, they should also have cover of some kind. But don't just assume - check!

If assigned through an agency for a short-term contract at an NHS hospital, mention to the folk there that they could consider placing you (the "risk") on their Risk Register for the duration of your placement.

All good CYA stuff. smile
Posted By: Betwixt Re: The Dark Side - 04/03/20 5:44 PM
Thanks for the reply, John - sorry that I'm only just seeing this. Those are some great points.

I'm looking for professional indemnity cover, I guess in the range £5m, but as soon as I mention the word "medical" people immediately say they're not interested. Even if just looking at calibration verification, so non-destructive testing, insurers do not want to be involved.
Posted By: John Sandham Re: The Dark Side - 10/03/20 4:41 PM
Maybe you should put the onus on the client, but you should definitely be able to get insurance.
There are lots of companies out there buying insurance of this type. Keep looking...
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