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Don't know much about professional indemnity insurance so can't comment, but I didn't mean household insurance, I was thinking of public liability insurance in case one of your clients trips and injures themselves when visiting for a consultation.

Did you need to submit a development application? And how does operating the business from home affect your insurance?

I agree with that.

I don't think providers of quality professional services should offer discounts to attract business. If you have to, a free first session is a better idea, because people can see you risk-free, without worrying whether you're good or not, and then if they're convinced you're good, they should...

I think $65 an hour is too little; it suggests you don't have confidence that you can offer excellent relationship counselling, which is easily worth the $90 per hour that you're seeking. On commodities, such as milk, price-cutting can be an effective strategy, because people know that "milk...