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Ashley Baxter
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After so many years helping freelancers stay in business, I’m no stranger to the kinds of problems you face. But freelancing doesn’t mean having to face these problems alone. A lot of the time there is help available. I’d like to share these stories with you so you can be a confident freelancer.
Available episodes
Newest first
Oldest first
16 Nov 2020
The season finale
* With Jack
* Episode #2: What's a freelancer doing that requires insurance?
* Episode #7: Client wants me to finish our project and is asking for damages
* Episode #48: Having a law firm on retainer
* Episode #50: A first-hand account of pursuing a payment through small claims court
* Episode #46: Be a confident freelancer
* Episode #37: Keeping projects on time and managing client expectations
* Episode #16: Professional indemnity insurance teardown
* Approach every single project with solid processes in place. Processes will help you manage common problems that arise in freelance projects
* Approach each project with confidence. Confidence in your skillset, confidence in your pricing, confidence in your workflow. If you aren’t confident some clients will take advantage of that
* Consider insurance if you’re providing any kind of professional service to clients because most problems stem from the unpredictable nature of clients or things happening outside of your control
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9 Nov 2020
A rise in payment disputes
* With Jack
* Payment disputes are on the rise (possibly due to the impact COVID is having on businesses) so make sure you have processes in place to handle these problems if they arise
* If a client asks for a refund, refer to the contract to show that you’ve adhered to the terms and have done your job therefore a refund isn’t due
* If the refund request is accompanied with a legal threat, it will trigger your professional indemnity policy so notify your insurer
* Refunds aren’t covered under your professional indemnity insurance, but the threat of legal action means the insurer will help you defend the claim
* Another course of action if there is no legal threat as yet is to use the legal advice helpline that’s available as part of your legal expenses insurance. Legal experts are available to help you talk through your payment or client disputes
* Document everything (client communication, contracts etc) so that the insurer can easily help you defend your claim, or so that you can refer to it when defending yourself. It's a lot harder for your client to argue against something that's in black and white that they agreed to
* Be a confident freelancer. You shouldn’t have to suffer because a client has changed their mind or has experienced problems internally with their team. Get paid for the work you've done
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2 Nov 2020
A first-hand account of pursuing payment through small claims court
* With Jack
* Instagram: Stckmn
* Twitter: Stckmn
* Website: Stckmn
* The legal expenses product includes a debt recovery service and legal advice helpline to assist you with late payments
* Chris now starts all projects with a contract and makes sure the scope of work is clear. He takes 50% payment upfront and has milestones in place for client sign-off. He also has professional indemnity insurance
* Circumstances in business can change so Chris recommends getting everything in writing—no matter how small the project is! If the scope changes midway through the project have written confirmation of this
* Episode #48: Having a law firm on retainer
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26 Oct 2020
How do freelancers manage their liability?
* With Jack
* Episode #48: Having a law firm on retainer
* Have a contract. Get insured
* There are industries that invest a lot into pursuing copyright claims so be aware of licensing agreements when using third-party assets
* Creating a document that lists the resources you often use for images, video, music etc and categorising them by licenses can keep you and your clients on the right side of copyright laws
* Document everything. The job spec, details around the project, all client communication
* Have confirmation of clients signing-off on work. This doesn't have to be anything formal—confirmation via email is OK
* If clients ask to have a call about anything they’re unhappy with, suggest they put their concerns in writing instead
* If things do escalate via small claims court or your business insurance, you’ll need to gather evidence to defend yourself and this is why it’s important to document everything throughout the project
* It will be difficult for the client to argue if you can show that you’ve adhered to everything in black and white
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19 Oct 2020
Having a law firm on retainer
* With Jack
* Squidge Inc
* Client not paying. What are the next steps to take?
* The legal advice helpline is part of the legal expenses product. It's like having a law firm on retainer because you can call the helpline as often as you like to ask general legal questions relating to business matters
* Due to the company winding down, David was having trouble getting paid
* David wanted to explore the option of small claims court. The legal advice helpline guided him through everything from the potential cost to filling out the paperwork
* David suggested writing down a list of questions you want to ask the helpline so that you can end the conversation knowing exactly what your next step should be
* Because the helpline assisted David with the legal jargon involved around recovering debt, it showed his client that he was serious and knew what he was doing
* David's client rejected the claim, but whilst in the midst of preparing all of the evidence he needed to pursue the payment with the help of the legal advice helpline he asked the client to resolve things amicably. They agreed
* Client disputes aren’t always going to have the perfect outcome, but David was happy to compromise on an agreed rate so they could avoid small claims court
* From his own experience and speaking to other freelancers, David thinks that the tipping point of having a client pay your invoice is showing them you're serious about going through small claims court
* Document everything to show you've done the work, there was an agreement in place and there was a good relationship
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12 Oct 2020
How worthwhile is freelancer insurance?
* With Jack
* It’s not for you to decide how much liability is associated with a project
* If a claim includes loss of income, compensation for hiring other freelancers and other costs incurred, it all adds up
* If insurance doesn’t seem worth the price, ask yourself if you’d rather pay £14 a month for legal help, or thousands of pounds in upfront fees?
* Remember that contracts don’t stop a client from making a claim against you, even if you include a liability clause
* Episode #40 - Why having a contract isn’t enough to protect you
* With every project there is always the risk of a client being unhappy with the work you’ve done or a project being delivered late
* Your client may go into a project knowing that there are risks, but the whole reason insurance exists is to protect your business from the risks you face and ensure you don't come out of a situation worse off if the client holds you responsible
* Sometimes there is little control you have over the situations that lead to claims as well as, more importantly, how your client reacts to those situations
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5 Oct 2020
Be a confident freelancer
* With Jack
* Most of the claims we see are to do with poor project management, either on the freelancer or client's side
* This can cause friction in the working relationship and lead to clients feeling like they haven't got what they paid for
* A difficult client relationship can also be down to a bad apple client who is always going to be difficult to please
* One of most important aspects of a fulfilling freelance career is to learn how to set and stick to boundaries so have a contract, include a statement of work, have set hours you're available etc
* However, the real test is how you react when clients try to take advantage of you
* The way you respond to bad situations is important because it can be the difference between a smooth project that ends harmoniously and one you regret taking on
* If you don’t set boundaries you’re teaching the client that it’s OK to undervalue you. If you do that certain clients will continue undervaluing you, pushing you closer to burnout and putting you under pressure
* Some freelancers struggle with setting and sticking to boundaries because they don’t want to deal with conflict and feel uncomfortable telling a client “No”. Or there’s a fear of losing a client so freelancers are willing to overstretch themselves to accommodate their client
* Being insured should give you the confidence to stand your ground with clients who try to mistreat you or extract more from you than has been agreed
* If you stand firm and the client doesn’t back down, saying they'll take things that little bit further with a threat of potential legal action, that’s when your professional indemnity policy is triggered so you'd have help to navigate that situation
* The practical element of insurance is getting affordable legal help should you need it, but it’s the aspirational element of being insured that most freelancers benefit from
* Insurance should give you the confidence to stand firm with clients who are trying to take advantage of you, knowing that if they do push things that little bit further you have the help to get you through it
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28 Sept 2020
Can I be blamed for my client's clueless actions?
* With Jack
* Even as someone responsible for the website and not the product itself, there is nothing stopping an unreasonable client from blaming you if they get into trouble for their online presence
* Whatever your role and the service you offer, with every project there is the risk of a client being unhappy with the work you’ve done. However, that risk is heightened with clients that have exhibited red flags like this one
* Whilst you should have processes in place to ensure client's sign-off on your design, copy etc, there is nothing stopping the client from saying "That was your job and why we hired you. You didn't do the job we expected you to do"
* When things go wrong, it’s easy for people to become defensive and shift the blame elsewhere. Clients are no different
* At With Jack we've seen similar case where the freelancer's copy had a typo and, despite it going through quality control by the client, they didn’t pick up on it and blamed the freelancer
* This is one of the reasons why professional indemnity insurance exists—to defend you against claims of actual or alleged negligence
* Your professional indemnity policy might be able to help you defend these allegations by giving you access to legal experts who will negotiate with your client on your behalf. If damages have to be paid, your insurance could cover the cost of those too
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21 Sept 2020
Developers, here's how insurance can help with scope creep
* With Jack
* Keeping projects on time and managing client expectations
* Scope creep is when the project scope of functionality changes mid-way through a project, often resulting in more cost and implementation time
* Some clients may not factor the extra time additional work will take into the project’s timescale, and they may expect the developer to complete the additional work for free
* The most common scenario is that the client is unhappy because the project runs over the expected timescale. This can lead to accusations of breach of contract
* Another scenario is threats from the client when the developer highlights that a change of scope requires the budget and timescales to be revised
* If accompanied with a refusal to pay the developer for the work they've done, this could trigger the policy's mitigation costs clause
* Even if you don’t have to use the legal help that comes with your policy, being insured will give you confidence when dealing with clients and help you to stand your ground if they’re being unreasonable
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14 Sept 2020
I'm taking a work break. Do I still need insurance?
* With Jack
* Professional indemnity policies are on a ‘Claims made basis’, which means the policy covers claims that are notified during the policy period. This is why it's important to maintain insurance even when taking a break from work
* With some professions like web or software development, it’s more common for a mistake to be discovered weeks or months after the job is completed. This is why it's important to maintain insurance even after a project ends
* You can lower the level of cover or remove cover you don’t need in between project, or put the policy into run-off. This covers work completed prior to the date your policy was put into run off and should reduce your monthly payments
* Whatever you decide, just remember that you need to have an active policy in place when making a claim
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7 Sept 2020
Arguments over copyright ownership
* With Jack
* Know where you stand in terms of copyright laws, but preferably have a contract in place that leaves no room for confusion
* If arguments ensue around copyright or IP ownership, refer to the copyright clause in your contract to show what was agreed to by both parties. In most cases this will resolve the argument
* If your client tries to recover compensation from you—like in this instance where they wanted to recover the cost of hiring other freelancers—contact your insurer immediately
* Your professional indemnity policy should be able to help you defend claims of copyright infringement, as well as provide you with legal experts to negotiate with your client in regard to their demands for compensation
* Being insured gives you the confidence to stand your ground with clients who try to take advantage. If the client decides to escalate matters you have the support you need legally and financially from your insurer
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31 Aug 2020
The insurance hard sell episode
* With Jack
* Being insured removes the need to seek advice from sub-reddits or Slack channels from people who aren't qualified to give you legal advice
* Being insured removes the headache of searching for an appropriate lawyer who specialises in the area and jurisdiction you're experiencing a problem in
* Being insured removes the financial burden of paying expensive legal fees
* Being insured streamlines the process of reaching a resolution with your client if legal action is taken or threatened to be taken against you
* Professional indemnity insurance starts at £14 a month if you’re a With Jack customer
* Get a quote
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24 Aug 2020
Why having a contract isn't enough to protect you
* With Jack
* Contracts lay the foundation of what duties are to be expected of both parties, but insurance steps into action when those duties come into question
* Contracts reduce but don't completely eliminate risk. Contracts can be breached and having a contract doesn’t stop a client from making a legal threat or asking you for compensation
* If you’re unable to complete work, accidentally breach a NDA or delete client data, a client can sue you for breach of contract
* If you’re insured, a legal expert would help you to defend those allegations and enter into negotiations with your client
* Out of the last 5 claims at With Jack, 4 of them had a contract in place. It’s clear that having a contract doesn’t prevent a client from making a claim against you
* The professional indemnity policy has a breach of contract clause, and the legal expenses policy has a contract dispute clause
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17 Aug 2020
Be a bulletproof freelancer
* With Jack
* Manage cashflow. If your cashflow isn’t great you’re going to make poor decisions such as saying yes to projects you wouldn’t normally accept, scrambling for work and taking on red flag clients
* Use tools like Cushion and Xero to help you manage your cashflow
* Regularly back-up work. Hardware problems can lead to lost work, or client data may be accidentally deleted. Both of these scenarios can lead to insurance claims, either for data recovery service or compensation to unhappy clients
* Use tools like Backblaze and Arq to regularly back-up work
* Get insured. Insurance is there to help you legally and financially if you have a problem with a client such as project delays, poor project management, scope creep or sometimes just a bad client who is impossible to please
* Always work with a contract. Referring to what was agreed in the contract can sometimes diffuse potential problems. Contracts help to give the project clarity, remove nasty surpri…
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10 Aug 2020
Insurance products for freelancers
* With Jack
* Professional indemnity is a product helps you if you give poor advice or don’t provide work to a certain standard (and remember, standards are subjective so there’s nothing stopping your client from having unreasonable expectations!), and your client threatens you with legal action or asks for damages
* Public liability insurance covers you for accidents and injuries to clients or members of the public that happen as a result of your work activities. Most of our customers work remotely, but because it's a cheap cover and a lot of client of clients require you to have it, many freelancers add it to their policy for extra peace of mind
* Contents insurance is our most used product in terms of the quantity of claims—mostly for accidental damage, followed by theft. There’s also another useful feature where the insurer will cover the cost of reconstituting data that’s been lost or compromised
* Legal expenses insurance has a ton of useful features like a…
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3 Aug 2020
Keeping projects on time and managing client expectations
* With Jack
* Laura's portfolio
* Deadlines work both ways. It’s important to get feedback from a client on time so you can stay on track for the project duration
* The timeline helps keep everyone accountable for their role in the project, including client feedback, signing off on revisions or providing deliverables
* The Schedule of presentation and delivery dates should all be included and agreed upon in the initial contract
* Anything that falls outside of the scope must be discussed as how it would affect or lengthen timescales
* Make sure you have something in your contract to protect you if clients go quiet and the project stalls. If a client doesn’t meet the deadlines, you should be allowed to withdraw from the project and be paid for the work you've already done
* When it comes to keeping projects running on time don’t underestimate basic time management skills. This is just as important as being a skilled designer, developer, illustrator etc
* Wh…
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27 Jul 2020
How insurance helped this developer accused of intellectual property theft
* With Jack
* Your contract should give clarity around ownership by highlighting who owns the IP and on what basis it’s used. This should be agreed to before the project begins
* If your client refuses to sign your contract, stick to the simple rule of 'no contract, no work'
* Without a contract highlighting who owns the IP, this can lead to clients threatening legal action if the IP isn't handed over
* This threat of legal action can trigger the professional indemnity policy
* The developer was given legal experts to assist them in organising and preparing for a meeting with the client where a resolution was agreed. The cost of this legal advice was covered under the professional indemnity policy
* It’s also possible that—had the client not payed the freelancer’s invoice—the insurer would have covered this under the mitigation costs clause. You can find out more about the mitigation costs clause in episode 35
* Your legal expenses insurance gives you acc…
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20 Jul 2020
All about the mitigation costs clause
* With Jack
* The mitigation costs clause is one of the most used features of the professional indemnity policy
* If your client isn’t happy with the work you’ve delivered, refuses to pay your invoice and accompanies that refusal with a threat, the insurer will pay you the money owed to you
* Usually claims arise due to other factors, but if the client is threatening to make a claim then there’s a high probability they’re not going to want to pay the freelancer. This is why the mitigation costs clause is such a useful feature
* There is cover for unpaid invoices under the legal expenses product, where a solicitor chases overdue invoices on your behalf, but that’s a separate product. The mitigation costs clause in the professional indemnity policy will only spring into action if the refusal to pay is accompanied with a potential claim
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13 Jul 2020
A favour for a friend
* With Jack
* Projects that you do as favours have a tendency to become difficult because there isn’t infrastructure in place to treat it like a proper job. Have a contract and statement of work to ensure boundaries are set and not overstepped
* Your statement of work should be comprehensive in covering what is and isn’t included. How many drafts will the client receive? How many revisions are included? What services are excluded?
* If a client barters on price, you then have to reduce the scope of work. Those two things go hand in hand. Reduced budget means reduced scope
* With clients who micromanage you need to step up and lead the project to instil confidence in them. A statement of work and contract can define and help to put their mind at ease, or using a tool like Trello where they can follow your progress without breathing down your neck
* If the scope starts to change, highlight that it’s beyond the scope of this project and agreed rate. Provide a quote an…
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6 Jul 2020
Wedding vendors and refunds amid Coronavirus
* With Jack
* Be fair and accommodating with your clients. Especially if things do escalate, it will stand you in good stead if you’ve been co-operative
* Being co-operative means ensuring you give clients multiple dates you’re available instead of just one. If not, it’s unlikely you are within your right to exercise your cancellation policy
* It works both ways. Your client needs to provide multiple dates as opposed to just one. If they give you a limited option or reschedule without consulting you on your availability, they should expect you to exercise the cancellation policy and lose out on the money they’ve paid
* If a client wants a refund refer to your cancellation policy
* Some wedding insurance providers are covering deposits, so it’s worth highlighting this to your client if they haven't explored that avenue already
* Consider offering a settlement as a goodwill gesture. For example, you’re happy to refund X amount but retain the deposit
* Bef…
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29 Jun 2020
I accidentally deleted a client's website
* With Jack
* You don’t have to do something illegal to upset a client and have them threaten you with legal action
* Backups should be a basic part of your workflow. BackBlaze, SnapShooter and Arq are good places to start for services that help you keep client data safe
* Make sure your terms outline the responsibilities of both parties so that when situations like this do arise (a client moving their website to another host) you know exactly what is expected of you and how to deal with it to avoid messy situations
* Professional indemnity insurance is the policy that would help you if you make a mistake in your work that leads to a legal threat. Whilst the insurance doesn’t help you recover the deleted database, it does give you access to legal experts that can help negotiate with your client and cover the costs of any compensation they're demanding as a result of your mistake
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22 Jun 2020
Client isn't paying for revisions
* With Jack
* Avoid unlimited revisions by specifying how many revisions are included in the initial cost in your contract. Further revisions cost an additional fee
* Avoid fixed fee projects unless it’s for a small job with a quick turnaround. Fixed fee projects don’t take into account any changes to the scope and the subsequent cost in doing that extra work
* If you feel like your client is being unreasonable, politely communicate this in a way that shows why they're being unreasonable. For example, you can't work for free, you can't work outside the scope of the contract without revising the budget etc
* Take advantage of the legal advice helpline that’s included with your legal expenses insurance. This can give you practical guidance in dealing with client or contract disputes
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15 Jun 2020
"It's just a simple website"
* With Jack
* If you’re hired to fulfil a brief where you’re asked to draw inspiration from another design, be wary of copyright infringement
* Set design expectations with your client prior to the project beginning. For example, if assets like original photography and unique illustrations were used to achieve a look and feel, the client should take this into account. If they don’t, it’s unlikely you’ll be able to recreate a similar style and therefore not meet client expectations
* This leaves you open to claims from unhappy clients
* Refunds are not covered under your professional indemnity insurance, but in this case the request for a refund was accompanied alongside a legal threat which did trigger the policy
* The insurer originally suggested offering a settlement to diffuse the situation, but the freelancer wasn’t keen on that
* Instead, the insurer helped the freelancer draft various letters to the client, achieving an outcome the freelancer was com…
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8 Jun 2020
What to do if your client adds an insurance clause to your contract
* With Jack
* Some boilerplate contracts have insurance clauses that are given to all vendors, so they might seem OTT for a freelancer
* Whilst you should be insured, if the level of cover seems high or the policies they’re asking you to have are unreasonable to you as a freelancer, remember that contracts are there to be negotiated
* Compromise on the level of cover. If they’re asking for £10m, what about suggesting £1m or £2m? In most cases, you’ll find clients are happy to compromise
* This keeps your insurance premium in the low hundreds instead of thousands
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1 Jun 2020
Professional indemnity insurance: frequently asked questions
* With Jack
* Legal fees become affordable because lots of freelancers are putting a little bit of money into a pot, so that when a small percentage of freelancers face a legal issue they can take money out of the pot. You’re exchanging the possibility of expensive, upfront legal fees for the certainty of a lower cost
* ‘Claims made basis’ means the policy covers claims that are notified during the policy period, which isn’t necessarily when the incident occurred. This is why it's important to maintain insurance for a period of time after you stop trading or finish job. In some industries it’s common for a mistake to be discovered weeks or months after the job is completed
* A retroactive date is a date in the past which your insurer has agreed to cover you from. This is usually the date you bought insurance
* Are you covered for work outside of the UK? Check your policy's jurisdiction in the policy documents. Most PI policies exclude US jurisdiction by default…
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25 May 2020
First steps to take if a client threatens to sue you
* With Jack
* Don't reassure threatening clients that you have insurance. They might end up making a bigger claim if they know there’s a substantial pot of cash to back that up
* Send a holding email. This gives you time to take a step back and gather all of the information you need, instead of replying in an emotional and possibly defensive state
* Gather documents like contracts, client communication and project scopes that give the client's claim context (bonus points if you have information that disputes their claim or helps to strengthen your defence)
* Provide all of that information to your insurer along with an overview of the situation. If covered under your policy, they will appoint legal experts to help you
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18 May 2020
My client doesn't believe she got what she paid for
* With Jack
* Have proper payment terms instead of invoicing for work after it’s been delivered. Invoicing after work has been delivered gives the client a chance to change their mind
* Have stricter measures for dealing with clients who cause disruption to the project by ghosting you or going off the radar. One of these measures could be a pause clause in your contract
* Don’t fall into the trap of absorbing costs or offering to do extra work for free. Many clients will capitalise on this and take advantage
* Stick to the agreed terms in your contract so that the contract can't be abused
* Plan and budget the project scope as best as possible prior to a project kicking off. Your client ca see exactly what they’re getting and make any changes to budget and scope if need be prior to the project kicking off
* Specify in your contract how long you’ll retain client files or assets for before deleting them
* If there is no claim as yet, phone the legal advice he…
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11 May 2020
Client red flags to watch out for
* With Jack
* Red flag #1: Clients who want the moon on the stick. These clients want everything and have unreasonable demands. They're never going to be satisfied and unhappy clients can lead to claims
* Red flag #2: Clients who don’t respect boundaries. This can damage the relationship between the client and freelancer. A poor working relationship can lead to all kinds of problems
* Red flag #3: Clients changing their mind. Bad project management can lead to clients changing their mind, making it difficult for the freelancer to know what work to deliver. Not meeting client expectations—regardless of who is at fault—can lead to claims
* Red flag #4: Clients who won’t agree to terms in writing. No contract or terms agreed to by both parties means everything is negotiable and this is dangerous
* Red flag #5: Clients who negotiate on pricing. Whilst it's normal to have a budget, clients who obsesses over pricing, discounts and freebies are likely to undervalue you…
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4 May 2020
Common factors that cause projects to break down
* With Jack
* Poor project scopes allow clients to shift the goalposts of the project meaning you try to cram work you didn’t plan for into the same budget and timescale. This can result in project milestones being missed, which can cause a claim being brought against you
* Poor project scopes can lead to confusion around what work is to be expected meaning the freelancer and client are on two different pages. This can result in the relationship breaking down, which is another cause of claims
* Not having a contract can make it difficult to take control of a situation that’s gone wrong (what payment terms have been agreed, who own the intellectual property. Contracts make it easier to resolve disputes). When something isn’t clear, disagreements between the client and freelancer occur and that’s when third-parties like solicitors get involved
* Clients who try to get you to discount or work for free are generally bad clients
* If you don’t have confidence in y…
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27 Apr 2020
"Is it time to threaten to sue my client?"
* With Jack
* Take a firm stance but avoid the conflict that comes with making a legal threat by sending late payment reminders
* If you have legal expenses insurance you'll have access to professionally written templates
* If the late payment reminder doesn't work, send a final 'letter of claim'. This template is available with your legal expenses insurance and includes the information sheet, reply form and financial statement form that you need to give to the debtor before you can go to court
* The other option is to use the debt recovery service included with your legal expenses insurance. An expert lawyer will formally chase your debt for you
* Make sure you document everything—from contracts that state payment terms to what reminders you've sent the client and when
* There is the option to go through small claims court, but it isn't always successful
* Even if you win the case, it doesn't guarantee you'll be successful in recovering money from your client…
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20 Apr 2020
COVID-19 and your mental health
* With Jack
* Maintaining our mental health
* WFH daily
* AnyForty Instagram
* AnyForty YouTube
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13 Apr 2020
Client ghosted me and now wants their website delivered in 3 days
* With Jack
* To ensure projects run smoothly, make sure there's a realistic schedule so there's no conflict with missed deadlines
* Detail each step of the project and what's to be expected by both parties
* Let the client know what deliverables you need and when you need them by
* Don't start work until a deposit has been paid
* In this situation, the freelancer started work without the deposit or deliverables and had trouble reaching the client
* It's important not to ignore red flags such as clients avoiding contracts or being difficult to get a hold of. This doesn't get the relationship off on the best start
* If your client threatens you with legal action, notify your insurer as soon as possible if you have professional indemnity insurance. Professional indemnity insurance will cover your damages and expenses if a claim is made against you
* In this situation, the client wasn't asking for damages or compensation but it's still important to notify the insur…
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6 Apr 2020
Legal expenses insurance teardown
* With Jack
* Contract and debt recovery clause: If a client isn’t paying you, a solicitor will formally chase your overdue invoice for you
* Loss of earnings clause: This would cover your loss of earnings due to your absence from work if attending jury service where those costs can’t be claimed back from the court
* Tax protection event: This clause provides expert tax advice and assistance in relation to disputes with HMRC
* Legal advice helpline: Access to a 24/7 legal advice helpline is included. This is for general queries arising from any business related matter including debt recovery and contract disputes, tax enquiries and general legal matters relating to EU law
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30 Mar 2020
How insurance helped this filmmaker when client footage was lost
* With Jack
* If your equipment is damaged your contents insurance will kick into action
* Natural wear and tear is not covered, so make sure you’re not relying on old equipment and have multiple back-ups
* When the recovery wasn’t successful and client footage was lost, the client wanted compensation to protect their reputation and recoup the costs they’d lost
* Your professional indemnity insurance could be triggered if a client seeks compensation from you
* If the filmmaker didn't have insurance, he would have paid out just under £9000
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23 Mar 2020
COVID-19 and your business insurance
* With Jack
* The two common questions we've been receiving are;
* If I fall ill or have to self-isolate, will my insurance cover my loss of earnings?
* If work is cancelled due to Coronavirus, will my insurance ensure I’m not out of pocket?
* In terms of loss of income due to illness, please research income protection insurance
* Professional indemnity insurance does not cover loss of earnings from cancelled work. This product would help you to defend yourself if a client threatened you or tried to recover damages from you in relation to your professional services
* The ABI's guide on insurance and COVID-19
* Make sure you have standard terms in your contract which would allow for cancellation due to illness or sickness. That would include self-isolation / quarantine
* Having a network of fellow freelancers you can depend on if you fall ill is also a popular choice
* Make sure you have a cancellation clause in your contract that outlines payment terms
*…
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16 Mar 2020
Costly misconceptions freelancers have about insurance
* With Jack
* You may have been driving for 10 years and have never had an accident, yet you wouldn’t start any journey without wearing your seat belt. That's how you need to think of insurance
* Insurance steps into action when your duties come into question
* Contracts and insurance aren’t binary. It shouldn’t be one or the other. You should have a contract. And you should have insurance
* Freelancers have many responsibilities ranging from meeting deadlines to ensuring clients are happy with your work. Being insured protects you in case these responsibilities aren't met
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9 Mar 2020
Professional indemnity insurance teardown
* With Jack
* Your professional indemnity policy will pay the legal fees associated with defending yourself
* You'll also be covered for claims of copyright infringement
* Best practices to avoid unintentional copyright infringement
* The mitigation costs clause means the insurer will pay you the amount owed to you by your client if they believe this will avoid a claim for a greater amount
* The insurer will pay damages to a client seeking compensation in the event of a mistake or error in your work
* Breach of contract covers you if your client pursues you for damages due to an agreement in the contract not being met
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2 Mar 2020
Best practices to avoid copyright infringement
* With Jack
*
Pixabay and Unsplash are just two royalty free resources to get assets from
* If you're a designer, avoid using licensed work in your designs
* Create a document that outlines your process for using third-party content, and keep proof of purchase when buying licenses
* Your professional indemnity insurance covers unintentional copyright infringement, so contact your insurer if you're accused of infringement
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24 Feb 2020
Refunding clients
* With Jack
* The legal advice helpline that’s included in your legal expenses insurance can provide advice on dealing with client disputes like this
* Avoid the temptation to work for free or offer a discount. Clients take advantage of this and the situation can break down further
* Refer back to your contract and scope of work to show you've satisfied all conditions therefore a refund isn't warranted
* Professional indemnity insurance won't cover refunds, but it can give you the confidence to stand up to clients. “I’m sorry you're not happy, but I delivered the work that was agreed.” If the client pursues further action by making a threat or claiming damages, your professional indemnity insurance would then be triggered
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17 Feb 2020
Red flag client threatening to claim damages
* With Jack
* Things like poor payment terms, no project scope or contracts contribute to projects going wrong
* Use Bonsai for free contract templates or the templates included with your legal expenses insurance
* Listen to episode 7, 'Client wants me to finish our project and is asking for damages', for more detail on project scopes
* Don't be afraid to negotiate payment terms that work for you
* If your client is looking to recover damages this would trigger your professional indemnity policy
* The insurer's legal experts will negotiate with your client on whatever damages it is they’re asking for, and the cost of the legal experts as well as the agreed damages would be covered by your insurance
* Document all client communication
* Send your client a letter of claim for an outstanding invoice as a last resort, or use the late payment chasing service included in your legal expenses insurance
* Trust your instinct if a client is showing red flags before y…
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10 Feb 2020
Behind the scenes of a professional indemnity claim
* With Jack
* How insurance helped this developer fight scope creep
* Provide the insurer with details of the situation, what the monetary loss is, contracts and any communication to strengthen your case
* The insurer will appoint lawyers to help you
* The lawyers will negotiate with your client to reach an agreement—the cost of which is covered under your policy as well as any damages owed to the client
* You get the legal protection of working at a big company, and avoid having to shop around for legal experts and pay expensive fees
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3 Feb 2020
Business contents vs home contents insurance
* With Jack
* Hidden App
* Home insurance policies exclude equipment used for business by default so have a dedicated business contents policy for equipment you use for work
* Alternatively ask your home insurer to add a business equipment endorsement to your policy
* Business contents policies usually have meatier cover and claims are settled quicker so you can get back to work
* Disclose information such as “I work from home" or "I have a garden office” else your home insurer might reject your claim
* Most of our contents claims are accidental damage-related—not theft
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27 Jan 2020
The lowdown on IR35 insurance
* With Jack
* There’s a change in legislation that ensures HMRC can seek to recover any employment tax liabilities if a business fails to comply
* This can affect freelancers operating under a limited company as it applies to off-payroll workers
* There is insurance called legal expenses that can help you if there’s a dispute or enquiry from HMRC relating to IR35
* A tax specialist will help you defend the enquiry and the insurance will cover the cost of a dispute with HMRC
* There’s also a tax helpline you can call at any time with concerns about complying with HMRC IR35 regulations
* Every insurer is different, but With Jack customers can expect to pay £65.71 per year for this cover
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20 Jan 2020
Dos and don'ts when a project goes wrong
* With Jack
* Don’t panic. Emotional, knee-jerk responses to unhappy clients rarely end well. Take some time out before you formulate your reply
* Don’t admit liability or offer a refund. Offering a refund could complicate matters from a legal perspective and hinder the negotiation process if you need to use your insurance
* Don’t sweeten the deal by offering to throw things in for free. This usually leads to the client taking advantage and the project breaks down even further
* Do contact your insurer. You can use the legal advice helpline as part of your legal expenses insurance, or file a professional indemnity claim if there's the threat of legal action or a monetary loss
* Do gather information that can support your case. This can help lawyers defend you, or it can strengthen your stance when dealing with unreasonable clients (e.g. "That wasn't in the contract", "This isn't included in the project spec")
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13 Jan 2020
5 reasons freelancers' insurance claims won't get paid
* With Jack
* Review your policy at least a couple of times a year to see if there are any gaps in your cover
* Write down what concerns you have in your business and ask your insurer how your policy could help you with those concerns e.g. "I'm concerned about cashflow if a client doesn't pay me"
* Be aware of your policy exclusions. These are listed in the policy wording
* Contact your insurer as soon as you're aware of any problems, but the policy will be triggered when there's a threat of legal action or a demand for compensation
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6 Jan 2020
Client wants me to finish our project and is asking for damages
* With Jack
* It's your job to communicate with clients
* Discover as much detail in advance of the project beginning
* Communicate that the scope and the budget are connected
* Have the client agree to these terms in your contract
* Professional indemnity insurance can help you if things progress to the stage your client is asking you to pay damages to the company
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30 Dec 2019
Will my insurance be void if I don't have a contract?
* With Jack
* Every insurer has different requirements when determining your eligibility to get covered—one of those may be you need a contract
* Get into the habit of documenting your process. Edits, comments, requests…
* This can be via email or working collaboratively via a project management tool
* Always have a contract!
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23 Dec 2019
When should I contact my insurer?
* With Jack
* The insurer considers a 'circumstance' a complaint or criticism from a client, or a mistake in your work. This is when you want to contact your insurer
* Your professional indemnity policy will be triggered when you receive a demand for compensation from a client or a threat of legal action
* If you want assistance before a situation has escalated, consider using the legal advice helpline as part of your legal expenses insurance
* If in doubt, contact your insurer
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16 Dec 2019
Client is threatening to hire another freelancer… and send me the invoice
* With Jack
* Always. Have. A. Contract.
* A project scope will give the project structure. This helps to prevent scope creep
* Don't work for free! In most cases the client will take advantage
* Because the client is claiming compensation for hiring other freelancers, your professional indemnity insurance might help
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9 Dec 2019
Client project has stalled. What now?
* With Jack
* Have payment terms that incentivise clients to keep the project moving, such as billing to specific dates
* Add a 'pause clause' to your contract
* If your client is unhappy with the progress and their refusal to pay is accompanied with a threat, contact your insurer. Your professional indemnity insurance might be able to help
* If your client is claiming loss of income due to missing a deadline or asking for compensation to hire other freelancers, contact your insurer. Your professional indemnity insurance might be able to help
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2 Dec 2019
What's a freelancer doing that requires insurance?
* With Jack
* You're responsible for delivering work to a timescale, and providing work that meets client expectations and standards
* Projects get derailed, clients can be difficult to keep happy and mistakes can be made
* Insurance removes the stress of searching (and paying) for legal help
* It gives you confidence when dealing with clients because you won't suffer the financial consequences if things do escalate
* You have a world-class legal team fighting your corner so situations with clients are diffused quicker
* Contracts are useful for laying down the foundation of what duties are to be expected. Insurance steps into action when those duties come into question
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25 Nov 2019
Client not paying. What are the next steps to take?
* With Jack
* Late payment charges
* The mitigation costs clause within your professional indemnity insurance means the insurer will pay you the amount owed to you if they believe this will avoid a claim for a greater amount
* The 'debt recovery' clause within your legal expenses insurance provides you with a solicitor to chase debt on your behalf
* Make a court claim for money
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