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I have paid enough indemnity insurance to pay fgor a small house since 1994. I have never had a claim nor a complaint and don't employ anyone and don't hold clients' money. I do some litigation work (may be one litigation case a year).

So I am a prime candidate for freelance solicitor and could buy a small house out of what I would pay in the saved insurance premia over the next 20 years presumably.
I won't change right away however as would have to weigh up the pros and cons including if the youngest children might be trained here.

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