Professional Indemnity Insurance

Professional Indemnity Insurance covers legal costs and settlement payments for claims relating to negligence, errors, mistakes and breach of professional duty.

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Why Do You Need Professional Indemnity Insurance?

There are many reasons for choosing to buy professional indemnity insurance. This could be to meet contractual obligations or to comply with regulatory requirements.

Your business may require professional indemnity insurance for the following reasons:

  • You give advice to clients 
  • You provide a professional service
  • You handle information that is confidential in nature
  • You use material that is subject to copyright or intellectual property belonging to others 
  • You belong to a professional body and their rules stipulate that professional indemnity insurance is compulsory
  • A client insists your business arranges cover before they offer you work (a contractual requirement to have the cover)

Your business could face a claim if you provide negligent or inaccurate advice and as a result of that advice your client suffers a financial loss. 

A professional indemnity policy will pay for your legal defence costs and any damages or settlement amounts needed to resolve the claim against you. 


Professional Advice

Expert advice from our team of advisers is available before you buy and as often as you require it afterwards

Big Fish and Little Fish

We're here to help everybody. We have the experience to help established businesses, freelancers, sole traders and startups alike.

Flexibile Cover

We offer flexible levels of cover from £50,000 upwards helping you insure only what you need

Snappy Response Times

You don't have to wait around. Once your policy is active we'll email your policy documents to you in a matter of minutes.

Of A Professional Indemnity Insurance Policy

There are many benefits to purchasing a policy. Offset the financial risk to your insurer, ensure your business doesn’t have to fund claims and receive professional legal support when things go wrong.

  • Protect your business against costly negligence claims – the policy will pay for any compensation that you need to pay (up to the level of cover you choose)
  • Pay for legal costs to defend you even if the claim isn’t valid
  • Provide you with expert advice and representation to minimise disruption to your business
  • Show your clients that you take your professional reputation seriously
  • Comply with contractual obligations
  • Meet regulatory or trade body requirements

Professional Indemnity insurance offsets the risk of claims to your insurer, meaning that your business doesn’t have to pay for costly legal defence costs nor find the money to meet any settlements or claims payments.

Many businesses would simply not be able to meet the costs of an expert legal defence, never mind the claims payment. Costs can run into the tens of thousands of pounds and more, so a policy to cover this makes perfect business sense.

As well as meeting contractual or regulatory requirements (Accountants, Architects and Solicitors for example are all required by their governing body to hold PI insurance) arranging professional indemnity insurance demonstrates to your clients that you take your reputation seriously and that your clients interests are protected by the policy.

Quote Online

Get a professional indemnity insurance quote online. Over 200 Professions available for immediate cover.

Professional indemnity policies will provide a wide range of cover to protect against the following typical scenarios:

  • Negligence/mistakes/errors and omissions If the advice you provide to a client is negligent or you simply forget to do something or make an error, your client could suffer a loss that they try to claim back from you.
  • Dishonesty of Employees Dishonesty of employees could lead to a loss for your business. PI policies will often provide cover for these potentially costly losses.
  • Infringement of intellectual property rights As an example, if you breach copyright the copyright owner could sue for damages.
  • Loss of documents and data Lose documents or data that causes your client a financial loss could lead to a claim.
  • Libel and slander Libellous or slanderous acts can lead to very expensive legal proceedings and substantial claims for damages. PI policies usually provide cover for this which can protect you from these costs.
  • Unintentional breach of confidentiality Mistakes happen, and a breach of confidentiality can easily occur regardless of strict business processes.

Typical Professional Indemnity Insurance Cover

Professional Indemnity Proposal Forms

Your requirements may not be as simple as the questions asked on our online quote and buy system, therefore we ask that you complete the relevant proposal form and a member of our team will be in touch with you shortly: