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James Okafor

Lead Editor, Commercial Lines · 19 years' experience

Commercial liabilityCyberProfessional indemnity

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About Okafor

James Okafor is a Fellow of the Chartered Insurance Institute and a Chartered Insurance Broker with 19 years' experience advising SMEs across the UK. His commercial broking background informs every business guide on InsuranceDico — from how underwriters actually price cyber to the exclusions most professional indemnity policyholders never read.

James Okafor

About Okafor

Guides by James

Public Liability Insurance Cost: What UK Businesses Pay in 2026

Do I Need Public Liability Insurance? (It Depends on These Factors)

Public Liability Insurance for Freelancers: What You Actually Need

How to Make a Public Liability Insurance Claim (Step by Step)

What Public Liability Insurance Doesn't Cover (The Exclusions List)

Professional Indemnity Insurance Cost: What Determines Your Premium

Professional Indemnity Insurance for IT Consultants (2026 Guide)

Professional Indemnity Insurance for Accountants: What You Need

Professional Indemnity Insurance for Architects: Complete Guide

Professional Indemnity Insurance for Consultants: How Much Do You Need?

How Professional Indemnity Insurance Claims Work (And How to Win Them)

Run-Off Professional Indemnity Insurance: What It Is and When You Need It

Professional Indemnity vs Public Liability: What's the Difference?

Employers Liability Insurance Legal Requirements: The Complete Guide

How Much Does Employers Liability Insurance Cost? (2026 Rates)

Do Sole Traders Need Employers Liability Insurance?

Employers Liability Insurance for Temporary and Agency Workers

Employers Liability Claims: How the Process Works

Cyber Insurance Cost: What Businesses Actually Pay in 2026

Cyber Insurance for Small Businesses: Do You Actually Need It?

What Does Cyber Insurance Actually Cover? (And What It Doesn't)

Cyber Insurance and Ransomware: What Businesses Need to Know

Cyber Insurance Claims: How to File and What to Expect

Cyber Insurance vs IT Security: Why You Need Both

What Does Business Interruption Insurance Cover? A Plain Guide

Business Interruption Insurance Cost: Factors and 2026 Pricing

What Business Owners Learned From COVID and Business Interruption Claims

How to Claim Business Interruption Insurance (The Complete Process)

Business Interruption Insurance Without Property Damage: Is It Possible?

Cost — Commercial Property Insurance UK Guide (2026)

What IT Covers — Commercial Property Insurance UK Guide (2026)

Landlord — Commercial Property Insurance UK Guide (2026)

Home Based Business — Commercial Property Insurance UK Guide (2026)

Flood Risk — Commercial Property Insurance UK Guide (2026)

Underinsurance — Commercial Property Insurance UK Guide (2026)

What IS IT — Key Man Insurance UK Guide (2026)

How Much Cover — Key Man Insurance UK Guide (2026)

Cost — Key Man Insurance UK Guide (2026)

Tax Treatment — Key Man Insurance UK Guide (2026)

VS Shareholder Protection — Key Man Insurance UK Guide (2026)

Startups — Key Man Insurance UK Guide (2026)

What IT Covers — Directors And Officers Insurance UK Guide (2026)

DO Startups Need IT — Directors And Officers Insurance UK Guide (2026)

Cost — Directors And Officers Insurance UK Guide (2026)

VS Professional Indemnity — Directors And Officers Insurance UK Guide (2026)

Claims Examples — Directors And Officers Insurance UK Guide (2026)

Who Needs IT — Product Liability Insurance UK Guide (2026)

Cost — Product Liability Insurance UK Guide (2026)

Ecommerce — Product Liability Insurance UK Guide (2026)

Claims — Product Liability Insurance UK Guide (2026)

VS Public Liability — Product Liability Insurance UK Guide (2026)

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