A remote foreign employer requires insurance (condition of the contract). What to do?

Question

Distant work

Good afternoon.
A foreign foreign employer (Europe) offers a remote job as a web developer.
Sent a contract.
In the contract, the employee (me) is invited to insure at his own expense (at least for the period of work) for the purpose of insurance protection against two problems:
1. Violation of copyright by the employee of a 3rd party (during work).
2. In general, causing any damage to the company by your actions (during work).
It is also said that liability for copyright infringement is indefinite.
And the contract also specifies a requirement - to provide, upon request, a copy of the insurance policy - for this concluded insurance.
I don't know what to do now. Do such insurances exist in Russia at all? Moreover, the employer is abroad, and I am going to register as a Russian IP. And why liability for copyright infringement is indefinite, does this type of insurance exist? And how much can such insurance cost, especially since I need to insure, most likely, as an individual entrepreneur, and not as an individual?
Is there a reasonable way out of these problems? Do all foreign remote employers require this?
Names of insurance from the contract:
commercial general liability insurance cover,
professional indemnity insurance cover,
and public liability insurance cover.
UPDATE 1:
Here's what they told me:
It is a normal requirement in the UK and our own insurance expectations that we should have this type of clause with our suppliers (in this case - you).
I don't know what to answer them. Maybe they have bad insurance and should change it?

Answer 1

Old divorce) has now reached the Internet with freelancers.
Offline, they used to ask to buy training materials to get a job, now they are trying and on the Internet they began to sell insurance. Later, with a high degree of probability, they will not be satisfied with the insurance company you have chosen and they will gladly show their "tested" one.
You are being hired. A job is one where you do something for the employer and get paid for it. Everything where "offered at your own expense" - a divorce and the money there will be received by the customer from you. A normal employer is not interested in this.
Better to refuse. There are a lot of orders, there are other more adequate customers.

Answer 2

This is called professional liability insurance , practiced by many insurance companies for example .
This is a normal requirement of the customer, who would like to receive at least some kind of guarantee that if your actions (violated copyright, or made a critical mistake resulting in losses, etc.) caused damage to the customer, he will receive some kind of compensation for this damage from the insurance companies.
However, apparently the customer himself does not fully understand how to protect himself, because. wrote a general requirement that can be formally fulfilled by providing the customer with insurance, and not to be in the red himself ... the terms of insurance, specific risks, amount, etc., are not specified. essential conditions ...
Any insurance is valid for a certain time (there are no unlimited ones). Responsibility for copyright infringement is subject to the general statute of limitations (according to Russian law ... does the contract obey Russian law?) - 3 years from the moment the violation of the right is discovered (the moment when the violation of the rights of third parties is revealed is important ... it can take 10 years to happen if the code is still being used by someone ... respectively, it will take 10 + 3 years ... and here an unplowed field for litigation arises ...). It is not realistic to get insurance for such a long period, perhaps for 5 years, it depends on the insurance. In terms of cost, I will say using the example of legal services - insurance for 5 million rubles. costs about 5-20 tr. per year, I think in development the order of prices is about the same.
In practice, it will be very difficult for the customer to use this insurance, he will have to go through seven circles of hell - courts, examinations, confirm the amount of losses, etc. unpleasant formalities and all this in Russia, from which he will receive a separate - unforgettable pleasure (he did not tell you that insurance must be valid in the territory of his country or he must have an insurance branch in his country ...)
In our country, by the way, more reliable tools are practiced to protect financial interests - for example, various forms of security, as usually provided in in the form of bank guarantees for any period, here, as a rule, everything is faster, and it happens without courts ... so we have insurance, by and large, this is "stocks of toilet paper" for the customer when it is covered))))
In your case, the ball is on your side of the field, talk to the insurers, find out their conditions and prices, negotiate with the customer the terms of insurance that will suit you ... take an advance from the customer first, this will not protect you much from the customer not running away. ..

Answer 3

I do not advise looking for a developer job in the UK. Look in Germany.

Answer 4

An interesting approach of the employer to the process of hiring an employee. Most often we meet with the following documents:
Some wealthy companies still offer such a feature as voluntary medical insurance for employees , thereby providing their employees with the most comfortable working conditions. If you fell ill, your insurance employer took care of everything for you.
And in your case, they ask you to insure yourself so that you do not do anything extra at work - a dubious pleasure. If you are already considering this proposal, then with the inclusion of payment in the cost of your services for the employer - as suggested above.