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@Jane Smith25 February 2016 07:25 pm:

"...Presumably if they cock it up the client can still sue them whether they have insurance or not as you cannot exclude liability entirely under English law even if you don't charge? .."

I would just have a Limited Company Jane. You could register it in the BVI (like Gideon George Ramses King Osborne's Tax Efficient Family Trust of £11 Million quid)

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