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    We wonder how actress Eliza Dushku feels about this, considering she dated Rick for five years until the pair broke up last June!

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    Dating is such a touchy and confusing subject to me, so let me just start by saying the first thing that comes to mind when I think about dating: it sucks. There was no technology or dating sites/apps to be found. They went to big band dance halls, bars, bowling alleys, roller skating rinks and baseball games. So many unhappy people stuck it out in unhappy marriages, for the sake of their kids and their reputation. I read a couple of sites written by dating coaches and I can never say I feel any better about dating after reading the comments left by many of my fellow single comrades.

    On the assumption that your business needs it, that you offer advice or professional services for example, then you should consider buying a policy from the first day you start trading. I’m small, money is tight, it’s only me – I don’t make mistakes (see my older blog about accidentally breaching confidence), and even if I did, I believe my clients are lovely people and would never sue me. The following year, I take on a new and significant client – this could be a local authority or perhaps a big corporate firm.

    I'll kick back on my shag rug with a martini and call it a successful day.

    Who would have thought that in the year 2014 we need instructions on how to talk to other people?

    But if they are satisfied it was really an oversight and (with hindsight) a mistake, you may be offered terms to cover work previously done, with an agreed retroactive date prior to the start date of your new policy – however, you should expect to pay for this.

    The insurer is taking on additional risk, so this is likely to be reflected in the premium.

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