Professional Indemnity Insurance Cover

Providing supervision. Designing a building. Giving expert advice. Whatever you’re doing at work, you’ll always try to do your best. But no one’s perfect and mistakes can happen.

If your business sells knowledge, advice, design, specification or supervision, you may benefit from Professional Indemnity insurance – just in case something goes wrong. On our website you can find all the information you need about protecting your business – and if you need a little help along the way, just give us a call.

Professional Indemnity policies are for businesses that offer knowledge, advice, design, specification and supervision services. From consultants with bright ideas and interior designers with grand plans – to life coaches simply helping people keep their lives on track… Professional Indemnity aside, we can also arrange a whole bunch of optional extras (just take a look at ‘What’s on offer’ below for the full story).

  • Business consultants
  • Project managers
  • Graphic/web designers
  • Estate agents
  • IT/software consultants
  • Interior designers
  • Life coaches
  • Trades where self-certification is commonplace (e.g. electricians, plumbers, gas and heating engineers)

If someone tries to make a claim against you for the services or advice you have given or failed to provide, it could prevent you from getting new business elsewhere. Or worse still, it could stop you trading all together. Professional Indemnity policies will protect the business you’ve worked so hard to build up – so everything can continue as normal, even if a claim is going on in the background. What’s more, you can add on all sorts of handy, optional extras to make your policy your own…

Have customers visiting your business? Public Liability can be included for extra protection. Got staff to think about? We’ll add Employers’ Liability insurance to fulfil your legal requirement. Worried about risks online? We’ll include £250k of Cyber Liability Cover as standard.  

  • Professional negligence, errors and omissions
  • Infringement or breach of intellectual property rights
  • Unintentional breach of contract
  • Defamation, libel and slander
  • Fraud and dishonesty of employees
  • Infringement of privacy
  • Misuse of confidential information
  • Mitigation of loss

Although there are loads of things this insurance can cover, there are – as with any policy – a few things it can’t. So we want to be frank with you about the exclusions on the policies – so you know just what you’re getting.

We’ve listed some of them on the right. However, all policies are different. So before you buy, it’s important to check the exclusions listed by your chosen insurer to make sure you know what is (and isn’t) included.

  • Cover for existing claims or known incidents
  • Cover for claims that happened before the start of the policy
  • Deliberate, dishonest or fraudulent acts by a director
  • Cover for legal and medical related professions