AI Insurance Cover Configurator for UK Freelancers

Beth is a 35-year-old freelance graphic designer in Bristol. She works from a converted spare room, has six retained clients (mostly UK SMEs, one in the Netherlands), occasionally sub-contracts illustration work to a friend in Leeds, and her kit — a Studio Display, an iPad Pro, a Wacom and the M3 MacBook her clients basically pay for — would set her back £6,000 to replace. Two of her clients have started asking for "proof of insurance up to £2M" before they'll release POs. She's spent three evenings this week trying to work out whether she needs Professional Indemnity or just Public Liability, whether her home insurance covers the Studio Display ("business use" — her policy says no), whether she needs Cyber cover because she handles client logos and brand assets, and whether the fact she sub-contracts means she needs Employers' Liability (apparently not — but she only found that out on page 14 of an IPSE PDF).

She tries Compare The Market. The form asks her for "annual turnover", "number of employees" and "trade type" before showing a price. She doesn't know how to answer any of them confidently. Then she finds CoverPilot: ten questions — Do you handle client data? Do you ever visit client sites? What's the value of your equipment? Do you sub-contract? — and a seven-minute later, a one-page personalised report. You need: Professional Indemnity £1M, Public Liability £2M, Business Equipment £6,000. You can skip: Employers' Liability, Buildings, Stock cover. Here are three quotes ranked by what your situation actually needs. She pays nothing. She clicks the top quote. CoverPilot earns £42.