Protection against claims for legal liability in respect of accidental bodily injury to third parties, or damage to third party property arising in the course of your business activities.

Protection against claims from Employees for legal liability in respect of injury or disease which arise in the course of their work and for which you are responsible. Employers Liability Insurance is a compulsory insurance for all employers with limited exceptions in law. (See - What insurances do I need?). The KPSol scheme is designed for one man bands operating as a sole trader or through a limited company set up.

Protection against claims made against you as a result of allegations of professional negligence. Cover includes legal defence costs (incurred with insurers prior agreement) and any damages awarded. Claims for negligence can be made against any company providing professional services. Cover for Professional Indemnity is provided for claims brought within the policy period only, please see our claims page or contact us for more information.

In addition to the fact that Employers' Liability may be a legal requirement for you to hold, most clients will include this insurance as a standard contractual obligation so cover has been included to help comply with these requirements.

Professional Indemnity cover operates on what is referred to as a "claims made basis". Essentially you need to have a policy in force at the time the claim is made against you. As soon as your policy lapses your cover under this section will cease. Any claims made against you for past work will no longer be indemnified.
This is particularly important if you are still contracting but find your self without a contract - we advise that Professional Indemnity is a long term commitment and should be maintained at all times.
If you close your company or retire you can buy "run off" cover to provide a long term extension to the existing policy - this will allow indemnity for between 3 and 6 years after you retire or close down the company ensuring security for both you and your client base. This cover must be purchased before your policy lapses.
For further advice on this please contact us on 0845 643 0061.

No this scheme includes occupational personal accident cover which only applies if you are injured at work.

No sorry - all companies must be UK registered.

The KPSol policy is a general insurance arrangement designed to cover a wide range of occupations. It is not possible to match the requirements of each and every professional body. If you are maintaining some form of practicing certificate or have to meet minimum standards of insurance cover as part of your membership of a professional body then it might not be suitable. You will need to make your own enquiries with your professional body to establish any minimum criteria, this will assist you in your decision. If you need more help in this then please contact us once you have established your requirements.

All of our exclusions are listed on our Key facts and Combined Wording documents which can be found in the documents section of our website. If these are applicable to the work that you do then you should consider your requirements carefully before committing to buy.
We are able to cover any non-manual offshore work, Surveyors with a current RICS membership and short trips to the USA or Canada for a small additional premium - all enquiries in this regard should be addressed personally to the new business team on 0845 643 0062 or emailed to enquiries@kpsol.co.uk. This additional cover can be added at any point during the policy term but no rebate will be given for a shorter time period. If any additional cover is purchased, a separate invoice and endorsement will be issued via post.

As long as you maintain your UK residency and your company is UK registered then the policy covers you worldwide, with the exception of the USA or Canada. This can be added as an additional bolt-on.

Yes but you will need to contact us first to provide full information. The legislation for Employers Liability must be taken into account and we may have to issue an additional certificate as a legal requirement.

Click on the "Get Quote Now" link and complete each screen in full or alternatively, you can contact a member of our new business team who will be more than willing to help. You will be asked for some basic details and bank information and will be able to buy cover immediately. See the contact us page for the number to call.

You will be emailed a policy schedule and policy wording immediately once you have purchased online. The schedule confirms the levels of cover and can be used by you to confirm your cover arrangements to agencies and clients.

Yes, please contact us with your company name and month of inception and we will email a copy to you immediately. Alternatively, log in to the Member Account where you have the option to resend your documents.

No sorry, the policy has been arranged to suit a wide range of freelance professionals and designed to cover every incident that may occur.

Unless you choose to forward date inception (up to 30 days) the cover will begin immediately.

Whilst you have the right to cancel your policy, we have negotiated your premium based on full annual charges and no returns are available. If you fail to meet you Direct Debit commitments then the balance of the premium becomes due immediately. You are agreeing to pay in full by purchasing the policy.

All personal details can be amended throughout the policy by either logging into your account online or contacting our customer support team on 0845 643 0061. We will then immediately resend your policy schedule if needed.

No, this is not like normal Direct Debits, your details must be reconfirmed annually and submitted to the insurers. You will be emailed 42, 28, 14, 7 and 1 day before your renewal date and a member of our renewal team will contact you to put your renewal in place. Alternatively, you can renew online by logging in to your personal account at www.kpsol.co.uk.

If you close your company or retire you can buy "run-off" cover to provide a long term extension to the existing policy - this will allow indemnity for between 3 and 6 years after you retire or close down the company, ensuring security for both you and your client-base. This cover must be purchased before your policy lapses. For further advice on this, please contact us on 0845 643 0061.

We have a number payment options available. Policyholders can choose to pay in a full, single payment by credit or debit card, or alternatively, set up a direct debit payment using an account number and sort code. Alternatively finance is available over 12 months on a Direct Debit basis by entering into a credit agreement managed by our partners Premium Credit Limited, 60 East Street, Epsom, Surrey, KT17 1HB.

VAT is not paid on this insurance and is therefore not recoverable.

Insurance Premium Tax, also known as IPT is a Government levy charged on most classes of insurance. The current level of IPT is 6% and the premiums quoted are inclusive of this amount.

Yes. All data entered into this site are held by Kingsbridge in a secure database (with the exception of your bank details, which are not held by us - apart from a few digits to identify) and shall not be shared with any third parties except for the participating Insurers. All webpages during the purchasing process are encrypted with a 256 bit encryption key (where supported by your browser) provided by Digicert. To view the certificate to check its authenticity, please double click the padlock in your browser and click 'View Certificate'. This can be found at the bottom of the browser window in Internet Explorer 5/6 or next to the address bar in Internet Explorer 7, Firefox and Google Chrome, you can also click on the Digicert Seal at the bottom of our site to see more information. All Direct Debit bank details and payments taken online are dealt with securely by Premium Credit and credit and debit cards are processed securely by Sage Pay. For more information on Premium Credit, visit their website at http://www.premium-credit.co.uk and for Sage Pay visit http://www.sagepay.com/.

If you wish to make a complaint then please write to the Richard Bell, Regional Director, Kingsbridge Professional Solutions, 9 Miller Court, Severn Drive, Tewkesbury Business Park, Gloucestershire, GL20 8DN. We operate a comprehensive complaints procedure and you can be assured of our commitment to resolve any issues quickly and fairly.