Re the insurance argument.
a lot of companies we work for ask for our details, insurers etc.
we send everyone a " to whom it may concern letter"
this gives details from our insurers of cover amount, expiry date etc.
Your broker, insurance company will give you one, we photo copy it and send out to all companies, if we didnt we would lose/not get 100k of work a year,
It is normal practice to be asked for your insurance details, anyone could knock up/alter a policy on a computer these days.
I have joined TACCA. Its free, no brainer really, early days still, but Derek is putting a lot of time and effort into it, when he could be out earning, hat off to the guy.
Andrew