Understand what insurance an OPC actually needs (and which kinds are theatrical). Prepare for statutory audit if applicable. Run a clean year-end close that produces audit-ready financials and ITR-ready P&L without scramble. Year-end is the integration test. Every module above produces a partial system; year-end is where you assert that GST + IT + bookkeeping + contracts + FIRCs all reconcile to the same underlying truth. Same shape as running the full test suite before a release — discovers what unit tests missed. Insurance is your error-handling layer. The premium is the cost of the try/catch block. Whether you need it depends on the failure modes you're protecting against — and the failure modes you actually face change as the business scales. D&O before first employee. Cyber before first 10,000 users. Professional indemnity before your first $10K consulting engagement.
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This is the integration test module. Every module above produces a partial system. This one is where you assert that the partial systems compose — that the GST returns reconcile t…
Insurance is overlooked until needed and then pivotal. Director's & Officer's (D&O) insurance for an OPC director with personal liability exposure. Professional indemnity insuranc…
1. Get quotes for D&O and professional indemnity insurance from 3 providers. Compare exclusions and limits. Buy the professional indemnity policy at minimum; document why you're d…
3 lessons. Read in order; spiral back when you need to. By the end you'll have used the core ideas twice — once on the abstract, once on something you'll meet at work next week.