Well, in addition to basically criminal acts, which we would not wish to be liable for, I suppose examples would be things like deliberate or inadvertent disclosure of inside or sensitive information (e.g. to competitors) or deliberate/inadvertent negligent work causing the client to make a wrong business decision.
Actually they are all our employees, not self-employed.
We have fairly standard PI insurance.
Hmm, I am thinking that the client will believe we should be responsible for our employee's actions. Can you suggest a watering down?