Unlike public liability insurance (PL), which covers accidental physical damage or injury caused by you or your company, PI is focused on the financial side of things. So, if for some reason, one of your clients suffers financially as a result of your work, PI will step in, covering any legal and compensation costs that result.

Not sure it’s worth the investment? Here are 10 reasons why you might want to think again…

1. You’re an advisor or consultant:

If you provide some kind of advice, for example as a lawyer, a designer or an IT or PR consultant, then your clients could potentially claim that…


We’ve all heard much moaning and groaning around the upcoming GDPR. The work! The fines! The cost! But with just three months to go until the much-maligned new rules become a reality, we wanted to paint a more positive picture, with some success stories of those making GDPR work for them and, dare we say, even using it as a chance for disruption.

Start-up inspiration

While many small businesses are facing an uphill GDPR struggle, some forward-thinking start-ups have grasped the opportunity to build something new, launching products and services that make the changes easier for other businesses.

One such enterprise is…


Bored of dealing with 10 different banking apps to keep track of your money? Then you need Bud. The fintech start-up is building the banking experience of the future, using machine learning and data gathering to transform how we manage our money. We caught up with Patrick Frith, Operations at Bud, to find out more.

How long has the business been going?

Ed and George launched Bud in 2015. They’d been friends since school and wanted to build a platform for financial education. It’s come a long way since then!

How did you come up with the idea? How did it start?

Bud’s been through a few guises. It started off as a platform to help people understand the…


2017 was another awesome year for start-ups, with British businesses attracting almost double the funding they did in 2016 — wowsers!

We love being part of the start-up community and take an avid interest in who’s launching what, which industries are being disrupted, and trying out any exciting innovations we can lay our hands on.

Choosing our favourites is always tricky, but we’ve managed to whittle it down to a magnificent seven, which have really stood out for us this year…

Moneybox — investing your small change
(nominated by Ed)

I’m terrible at saving money and this is the first way I’ve been able to save successfully — little…


However much you tell yourself that it’s just another day, we all have a natural instinct to see January 1st as a clean slate. It’s the start of a new era, a chance to put the trials and tribulations of the previous year behind us, and an opportunity to start something new, give something up, or make long-standing goals a reality.

In your personal life, you might be aiming to cut down on drinking, do more exercise, or take up a new hobby. But what about your work life? …


One of the core changes that the GDPR will introduce next year, is the concept of ‘privacy by design’, which wasn’t touched upon in the previous Data Protection Act. If you’ve done a bit of swotting up on the GDPR already, you may have read that implementing privacy by design isn’t a requirement of the act, as such — more of a recommendation. However, that doesn’t mean you should ignore it, as it could make complying with your obligations easier, and help you build a more secure and sustainable business in the long-run. …


For many businesses, the upcoming GDPR legislation is a headache. But not PORT Founded by two data innovators, the start-up is seizing the opportunity to help companies find the value in the new regulations — and build a unique business at the same time. Here Julian Saunders tells us all about it.

What are the biggest opportunities and threats around GDPR?

One of the biggest opportunities is that it gives customers access to and control over their data, which in turn opens up opportunities for other businesses. Under the GDPR, individuals can ask organisations that hold their data to give it to them in machine-readable format. They can then…


Technology is evolving so fast that sometimes it’s hard to comprehend the enormity of what’s now possible. In just a few years, we’ve grown used to having a world of knowledge in the palm of our hand, instant connectivity with nearly anybody around the world, and the power to broadcast our thoughts to thousands of people via social media. It’s pretty mind-blowing stuff, but what’s coming next could be put even these innovations in the shade.

Technologies like AI, robotics and the Internet of Things are becoming so sophisticated that they’re poised to replace many of the jobs currently done…


Digital Risks, the digital-first broker for fast-growth technology and media businesses, has signalled its ambitions to scale in the UK and internationally, with the appointment of Peter Barrett as its chairman. Barrett brings valuable leadership and insurance experience from established insurance businesses, such as Genworth Financial, as well as expertise in bringing new brands to market, which he did with Goldfish, the innovative credit card brand.

Co-founded by Cameron Shearer and Ben Rose, Digital Risks is challenging the traditional business insurance market, with an entirely online broker experience and flexible monthly subscription model. …


Human error is regularly blamed for cyber breaches, while numerous studies highlight people as the weakest link in the security chain. It’s for exactly this reason that phishing emails and social engineering attacks are so common — because cyber criminals know that they work so well. The result is that people — otherwise known as ‘wetware’ — are frequently presented as the problem, due to their failure to act in a logical and rational way to protect their systems.

But a new school of thought is changing this perception, due to the acceptance that, however much security technology you throw…

Superscript

Protect the possible, with business insurance that’s shaped around you. Rated 4.8 out of 5 on Trustpilot. https://gosuperscript.com #insurtech

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