Работата на свободна практика ви дава много свободни възможности за работа върху различни проекти. Но ако нещо се обърка, може да изпаднете в беда, в случай, че нямате добра застраховка.
Човек, който работи на свободна практика или като предприемач е човек, който има свобода да избира за кого да работи, по колко часа и къде. Затова не е изненадващо, че има над 5 милиона човека, работещи на свободна практика в Обединеното кралство за собствена прехрана и издръжка.
Но въпреки тази независимост, хората, работещи на свободна практика, имат много отговорности. Те нямат сигурността от пълен работен ден, редовна заплата и осигуровки. Затова ако се случи нещо непредвидено, без значение дали това е наводнение в домашния офис или е откраднато специализирано оборудване, може да се наложи да плащате хиляди паунди за ремонт или да загубите редовен доход.
Не забравяйте и последствията от замесване в безполезен спор, който трябва дабъде решен в съда.
Без застраховка, един предприемач ще се наложи да плати огромен брой безполезни такси и компенсации.
Каква застраховка е нужна?
Гражданска застраховка
Това е застраховка, която предпазва човек, който работи на свободна практика, от всякаква злополука, свързана с член на обществеността или със собственост. Затова ако сте сключили договор за работа в кабинета на някой друг или сте или сте претърпели произшествие или инцидент, вашата застраховка може да покрие евентуални съдебни дела, такси, медицински сметки и компенсации.
Видовете злополуки които могат да се случат са:
- Нараняване на колега или клиент
- Възникване на проблем с ценно оборудване
- Наводнение или причиняване на пожар в сградата
Професионално обезщетение
Това е застраховка, предназначен да осигури хората, работещи на свободна практика и предприемачите, които да дават експертни съвети за начини на живот. Въпреки най-добрите им намерения, възможно е съвет, който са дали, да има отрицателни последици.
За адвокатите, счетоводителите и финансовите консултанти една компания може да разчита на съветите им, но ако клиента претърпи големи загуби в резултат на тези съвети, той може да предприемат правни действия срещу вас и да поискат обезщетение.
Проблеми от този вид могат да бъдат избегнати с правилната застраховка.
Застраховка на оборудване
Застраховката на оборудване е идеална за хора, работещи на свободна практика, които използват специализирани машини и оборудване за извършване на тяхната работа, като например запис на видео, фотография и продажба на лаптопи и компютри на дребно.
Ако оборудването бъде откраднато, счупено или повредено, това може да спре работата ви. От съдържанието на застраховката може да получите предварително пари за ремонт или подмяна.
Застраховка за прекратяване на бизнес дейността
Понякога се случва хора, работещи на свободна практика да се откажат от голямата свобода в работата си и да решат, че ще работят на редовна заплата и сигурно работно място.
Но в случай, че сте участвали в съдебен процес, имате счупено оборудване или не сте в състояние да работите, може да изтече доста време, без да сте способни да работите.
Застраховката за прекъсване на бизнеса позволява да декларирате пари за времето, през което не сте в състояние да работите, така че да няма загуба на доходи в нито един момент.
От какво покритие имате нужда
Размерът на застраховката , който се изисква, естествено, зависи от отделния човек – в какъв риск е и в коя индустрия работи. Така че фотограф с много скъпо оборудване, пътуващ по целия свят, вероятно ще се нуждае от по-голяма гражданска застраховка и застраховка на оборудването, отколкото някой, който работи цял ден от лаптоп вкъщи.
Основната застраховка на човек, работещ на свободна практика, започва от £25 на месец, като нйа-доброто решение можетедавземете след като се консултирате с бизнес застрахователна компания, така че да можете да намерите правилният размер за застраховка.
Например, ако презастраховате собствеността си, ще плащате твърде много, но ако сключите застраховка за по-ниска цена, може застраховането да не е достатъчно. Затова е важно да намерите правилният баланс и да сте сигурни, че сте напълно подготвени при непредвидени обстоятелства.
Застраховката за човек, работещ на свободна практика, може да се потърси индивидуално, но този човек трябва я търси от компании, които правят застраховки, които са на ниво компания. Ако дадена фирма наема служители на свободна практика, те няма да имат същото ниво на застраховка, както обикновения служител, така че е важно да сте се подсигурили в случай, че те причинят злополука или попаднат в съдебен спор.
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