What to look out for in a policy

• Ensure the scheme covers work direct with clients and agency based contracts
• Ensure that retroactive cover is offered, thus protecting any work or decisions you have made in the recent past
• Check the 'excesses' - some can be very high
• Ensure it covers 'sub contracted work'
• Make sure all Directors, Officers and Employees of the Company are covered
• Check to see if the insurer includes 'Legal Expenses' to cover your company against disputes with IR, HMC and your Agents/Clients
• Ensure the cover includes business asset and disruption cover as well