Professional Indemnity Insurance

Protect your business against claims of negligence or mistakes with professional indemnity insurance.

If your business provides professional advice, services or consultancy, you could face costly claims from dissatisfied clients. Professional indemnity (PI) insurance covers legal costs and compensation payments, giving you peace of mind and financial security.

With tailored professional indemnity cover, focus on delivering your best work, knowing your business is protected.

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What is professional indemnity insurance?

Professional indemnity insurance protects you against claims made by clients alleging negligence, mistakes or poor advice resulting in financial loss or damage to a business. It helps cover the costs of legal fees, settlements and compensation claims.

Whether you’re a consultant, architect, accountant or an IT professional, professional indemnity insurance helps secure your business against potentially significant financial claims.

A professional giving expert business advice.

Do I need professional indemnity insurance?

While not required by law in most industries, professional indemnity insurance is highly recommended if your business:

Provides professional service or advice
Handles confidential client data
Creates or uses intellectual property

Some clients and professional associations may also require you to have professional indemnity insurance before working with you. Without this cover, defending claims can lead to substantial financial losses, even if you’re not at fault.

What does professional indemnity insurance cover?

Professional indemnity insurance typically covers:

Professional negligence: Errors or mistakes in advice, services, or consultancy leading to financial losses for clients.
Breach of confidentiality: Unintentional disclosure of confidential client information.
Intellectual property infringement: Accidental infringement of copyright or trademarks.
Defamation: Protection against claims of libel or slander.
Loss or damage of documents: Costs of replacing lost or damaged client documents.
Employee dishonesty: Covers claims due to fraudulent actions by your employees.
Bodily injury (professional duty breach): Injury caused by your professional advice or design.

What professional indemnity insurance doesn’t typically cover:

Harm to employees (covered by employers’ liability)
Harm to the public (covered by public liability)
Work done before the policy began (unless retroactive cover is chosen)
Poor workmanship unless explicitly included

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Are we the right commercial insurance broker for you?

Our professional indemnity insurance is designed for owner-managed businesses with up to £5 million in annual turnover. Whether you work alone or lead a small team, we can help you build tailored cover that reflects how your business operates.

We work with businesses across the UK, so no matter where you’re based, we can support you with expert advice and flexible insurance options.

Get a free professional indemnity insurance health check

Research suggests that 80% of UK SMEs are underinsured, meaning cover limits are too lower to fully protect your business. If you’re unsure if your professional indemnity insurance is giving you the right protection, we can help.

As part of our free professional indemnity insurance health check, our experienced Commercial Manager will personally review your existing policy to ensure you have the right cover for your business’ needs.

We’ll assess if you have any gaps in cover, overpaying for extra cover you don’t need, meeting legal compliance and if we can find you a better deal – all free of charge.

Simply get in touch for your free professional indemnity insurance health check today.

Speak to us about your professional indemnity insurance today

Our tailored professional indemnity insurance policies ensure you get the right protection at the best price. Fill in your details below and Mat, our experienced Commercial Manager, will be in touch with you shortly.

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