I have a lovely full-time web developer job that I don't wish to leave.
But, I've been offered some part-time work on the side. If I can persuade my main employer to give me permission to take on this side gig, what do I need in terms of insurance?
My main concern is that if, God forbid, I screw something up at the part-time gig, and (say) the business owner lost money because his website was down or functionally impaired for a long period, and decided to reclaim damages from me, I would rather not have to sell my house if I got sued.
(I don't expect to screw anything up, or to get sued, I'm an experienced developer... but YOU NEVER KNOW.)
Is it professional indemnity insurance that I need, or something else, and if so, is it actually going to save my ass if needed?