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It is a common policy to take out, however it is also common for some to forgo it believing they don’t need it, the whole ‘it will never happen to me’ attitude.

You will find that some clients will require you to have it, and the general expectation of most business clients is that you would have it.

There are online direct options or you can speak to an insurance broker like myself about it. It is not difficult cover to get, more than happy to help.