Professional Indemnity
liabilityProtects professionals and businesses against claims for financial loss suffered by clients as a result of negligent advice, errors, or omissions.
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Typical Annual Premium
£150 – £2,000per year
Premiums depend on your risk profile, coverage level, and insurer. Get a personalised quote.
What's Covered
- ✓Claims for professional negligence
- ✓Breach of duty claims
- ✓Defamation and intellectual property infringement
- ✓Loss of documents
- ✓Legal defence costs
Key Exclusions
- ✕Fraud or dishonesty
- ✕Insolvency of the insured business
- ✕Claims known at policy inception
- ✕Contractual liability exceeding duty of care
How to Make a Claim
- 1
Notify insurer immediately — cover is typically claims-made (notification within policy period)
- 2
Do not admit fault or engage solicitors without insurer consent
- 3
Insurer appoints specialist legal team for defence
Available In
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Get a Free QuoteFrequently Asked Questions
Who needs professional indemnity insurance?
Any business that provides professional advice or services — consultants, architects, accountants, IT professionals, designers, and therapists. Many professional bodies (FCA, RICS, Law Society) require it as a condition of membership.