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We have Bundled together the Insurance Products that cover areas of the greatest concern to Freelancers.
Loss of Driver’s Licence
Withdrawal of your driving licence could have a devastating effect on your business and personal life. Were you aware that it was recently reported that over one million drivers are currently endorsed with nine penalty points?
We at IFA are all too aware of the numerous stealth taxes that have been introduced in recent years. One of the most indiscriminate revenue collection devices to be introduced is the dreaded speed camera.
Whilst we do not endorse law breaking and also recognise that cameras placed in considered positions contribute to road safety, we share your awareness that the authorities have used this facility as a revenue collection tool. What is worse is that the associated application of penalty points criminalises the unaware innocent citizen. Furthermore, motor insurers subsequently take further benefit from this in the form of increased premiums.
We are therefore delighted to be able to provide freelance clients a loss of licence insurance policy which has been adapted to meet the needs of freelance contractors.
ID Theft
Identity theft is one of the largest growing crimes in the UK. The frightening fact is that 1 in 3 people can expect to be the victim of identity theft in their lifetime. If you do become a victim of this crime, the process of restoring your good name and credit worthiness is crucial.
Our ID Theft Insurance Policy covers defence costs, a Fraud Investigation Report as well as access to professional advice.
Jury Service
Around 200,000 people are called up for jury service each year. Whilst it is an important public service, for a freelance contractor it could result in a significant loss of earnings.
Our policy will cover the salary/remuneration of an employee or director for any absence due to attendance at Court for Jury Service.
Accident and Sickness
Becoming ill or having an accident could happen to you at any time. Through no fault of your own, you could lose your income as you are unable to work. Like most families, you have regular bills to pay e.g. mortgage, utility bills and credit card payments. This is an extremely daunting prospect.
The Accident and Sickness policy provides a monthly or lump sum benefit in the event that the insured is no longer able to work as a result of death, disablement (temporary or permanent, total or partial), loss of limb, loss of hearing, sight or speech.
Personal Accident/Death/Disability
T.B.A
Permanent Health Insurance (PHI)
T.B.A.
Accident & Sickness
Accident / Death / Disability
Permanent Health Insurance
Invoice Protection
Legal Expenses
Directors & Officers Liability