Media & Creative Contractors

With product offerings for professions ranging from Animators and Graphic Designers to Feng Shui Consultants, our insurances are specifically tailored to the needs of the media and creative industry and are underwritten by some of the biggest insurers in the UK. Here at Larsen Howie, we help you to protect your business so you can do what you love with peace of mind. We offer a huge range of insurances, from Professional Indemnity and Public (& Employers) Liability to IR35 Tax Investigation & Liabilities.

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Media & Creative professions we insure online
     Bullet Point    Advertising or Marketing Consultant      Bullet Point    Interior Designer
     Bullet Point    Graphic Designer      Bullet Point    Literary Agent
     Bullet Point    Copywriter      Bullet Point    PR Consultant
  bullet point   Animator   bullet point   Wedding Planner
               

If your profession isn't in the list above, we could still cover you. 

Please call us on 01163 800 400 or email us for a personalised quote. 

What insurances do Media & Creative contractors need?

Professional indemnity insurance (often referred to as PI) is one of the fundamental types of insurance for Media & Creative contractors and freelancers. Our PI policy protects you and your business, should your client allege that you’ve made an error or omission in your services. This can include inadequate audience advice given, negligence when handling client accounts, or typos on designs. It also covers legal expenses when defending the claim, or any compensation needed to fix the problem.

Public liability insurance Public Liability (PL) insurance covers the cost of a claim made by a client or a member of the public that has suffered injury or property damage as a result of work you’ve done, i.e. a client may trip on your laptop bag and injure themselves. While this may not seem necessary if you’re a home-based Media & Creative contractor, it’s worth having even if you rarely work from a client’s office.

An IR35 Contract Review protects you from potentially being caught by IR35. IR35, or the Off-Payroll Working Rules, has been reintroduced to challenge possible avoidance of tax and NI contributions. In particular, HMRC is looking for so-called ‘disguised employees’ who gain and carry out work via partnerships and limited companies. This makes Media & Creative contractors, freelancers and consultants prime targets for investigation. If you find yourself being investigated under IR35, HMRC will ask you to prove that you’re NOT an employee - this is where a preemptive contract review will be invaluable. We can also provide you with one of the UK’s leading tax experts for IR35 training or as a defence should you have to go to trial.

Covers available
  Bullet Point   Professional Indemnity
  Bullet Point   Public (& Employers) Liability
  bullet point   IR35 Tax Investigation & Liabilities Insurance
  bullet point   IR35 Tax Investigation Insurance
  Bullet Point   Contractor Tax & Legal Protection
  Bullet Point   Contractor Personal Accident
  Bullet Point   IR35 Contract Review - Assessment
  Bullet Point   IR35 Contract Review - Full
  Bullet Point   IR35 Contract Review - Refresher
  Bullet Point   IR35 Contract Review - Convert
  Bullet Point   IR35 Working Practices Review

 

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