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Professional indemnity insurance

We're not your run-of the-mill insurance broker. We care about helping you find the right cover for your business.

Why choose for your business insurance needs?

  • Our professional indemnity insurance is available from just £61* a year
  • We work hard to find you competitively priced insurance that meets your budget
  • Our UK based contact centre is here to help you with any questions you may have
  • Since 1990, we have provided businesses with our specialist cover

*Based on a marketing consultant rated in category A. For a limit of indemnity of £50,000 on an Aggregate Claims made...

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Professional indemnity insurance

Professional indemnity insurance is a specialist insurance designed to give financial protection in the event that a customer sues you due to recommendations or services that you have provided which has cost them financially.

No matter how experienced and professional you are in your role, nor how qualified and dedicated your staff may be, sometimes mistakes do happen that leaves a client unhappy and taking your firm to court for negligence.

If this happens to you and you do not have professional indemnity insurance, then the implications on your business could be huge, both financially and professionally.

Consider what would happen if a client sued you or your business and you didn’t have professional indemnity cover. 

Could you afford to take time away from your business to defend your case? Would your business be able to cover the cost of legal fees? If it is found that you have been negligent and costs are awarded to the other party, does your business have enough money in its float to cover costs that could run in to hundreds of thousands of pounds? Not only that, but your reputation may take a dent too, losing you clients and prospective clients. Is it really worth all that risk when you could buy professional indemnity insurance and have peace of mind?  That is why professional indemnity insurance exists, to protect you and your livelihood.

Do I need professional indemnity insurance?

In most professions, PI insurance is not required. But there are some regulatory bodies, such as those for accountants and architects (and in some cases, estate agents) for example, that require you to have professional indemnity insurance because of the nature of your buisness.

Even if you are not in a profession where professional indemnity insurance is obligatory, it may make sense to protect you and your business against the risks covered by this insurance.

What does professional indemnity insurance cover?

This specialist insurance protects you against legal fees and claims for compensation from a client who believes you have been negligent in advice recommended or services given. It is different to public liability insurance which compensates a third party for any damage, loss or injury caused while on your business premises (such as slipping on a wet patch on the floor).

In a nutshell, professional indemnity insurance typically compensates a client for financial damages claimed as a result of perceived negligence from a service that you have provided.

The policy can protect you and your reputation against claims arising from:

Even if professional indemnity insurance is not obligatory within the industry you work, you could still find yourself liable if you have provided a chargeable service or advice that has caused a client financial loss.

What is retroactive cover?

At we offer retroactive cover to give you even more peace of mind. It can take some time for errors to surface – with professional indemnity insurance retroactive cover, the policy typically can to pick up claims from work you did before your policy started. In effect, your cover is extended backwards to a specified date (the ‘retroactive date’) and is noted on your schedule.

Do I need public liability insurance cover?

This is cover that steps in if a third party makes a claim against you for injury, damage or loss that occurs as a result of being on your business premises or due to your business operations. For example, if you have a client visit your premises and they fall over due to uneven carpeting, they may make a claim against you for compensation for injuries.

Public liability insurance typically covers any costs (up to a pre-agreed limit) involved in legal action against you for accident or injury caused as a result of your business.

Do I need employers’ liability insurance?

If you employ staff, then in most cases, you are legally obliged to have this cover in order to protect both your financial interests.

Should an employee (or, in some cases, a former member of staff) suffer from an injury or disease as a result of your business operations, then they may take you to court in order to get compensation for pain, suffering and loss of earnings. This is where employers’ liability steps in – to help cover the cost of legal fess and any compensation awards, protecting your business from what could be a devastating financial hit.

Want to find out more about professional indemnity insurance? Then call us today to see how we can help you protect your business and reputation.

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