insurance

Im looking to purchase professional indemnity insurance for my web design firm. Who is the best provider? What is the best quote? What sort of costs should I be paying?

Also if we move into Internet consultancy will these insurances cover this?

And finally, what other insurance is required for this kind of business?

Thanks.

There isn't a "best" one out there. You want someone who writes inusrance in your area - that's not going to be everyone! Coverage excluding consulting should run you about $1500 a year. Consulting is EXPENSIVE. The last e-consultant I got a policy for, it was running about $3,000 a year, and he was a one man firm.

You're going to need a business policy or package policy for your general liability and contents, plus office exposure, then the professional liability, and workers comp for any employees.

You need to sit down with a local, INDEPENDENT agent, to get a variety of quotes. You'll need to update your agent, as your operations change, to be sure you're still covered.

State Farm, Allstate, Nationwide, none of these companies are going to write you if you don't have three years of prior insurance history - that's why I say an INDEPENDENT agent, instead of one of these agents.