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- In this video, Im gonna cover and explain the two key business insurances that most business owners, freelancers, and entrepreneurs may need. They are namely professional indemnity insurance and public and employers liability insurance. What exactly are they? How do they work? And do you actually need them? Stay tuned to find out. (fanfare) Once you have watched this video, please dont forget to like, write a comment, and subscribe to our channel. (mouse clicking) Unfortunately, theres still a little bit of skepticism around insurance in general, in particular business insurances. I mean, you as a business owner, freelancer, entrepreneur, are probably wondering, Do I actually need these insurances? And if you do pay for these insurances, are they fit for purpose if ever called upon? And thats what Im gonna go through in this video with you today. First of all, a little definition of what insurance actually is. If you think about insurance, you probably have some sort of house