Professional Indemnity Insurance

Professional Indemnity Insurance covers you, or your business, against claims relating to negligence, errors, mistakes and breach of professional duty. It pays for legal costs to defend you (even if the claim isn’t valid) and will pay for any settlements or claims payments awarded against you.


or Contact our Advisors

Email us: or call us on 01270 252 252 to deal with one of our Advisors. If you need any other insurance cover for yourself or your business we can help with that too.

Simple Quote Process

We deal direct with the UK’s leading professional indemnity insurers to make sure that we offer the lowest premiums available but always backed up by our expert friendly advice. We’ve streamlined the quote process to make it as simple as possible;

  • You can compare quotes and buy online, or call us and we will compare quotes on your behalf
  • Quick and easy process to get the cover you need
  • We’ll email your policy documents to you in a matter of minutes
  • Flexible levels of cover (indemnity limits) from £50,000 upwards
  • Cover for start-up businesses and established businesses alike
  • Expert advice from our team of advisers is available before you buy and as often as you require it afterwards

There are many reasons for choosing to buy cover, whether that be to meet contractual obligations or to comply with regulatory requirements. Your business may require it if;

  • It involves giving 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. Equally, if you infringe somebody’s intellectual property rights (copyright infringement for example) they may claim for losses against you.

Many businesses insist that their business partners or suppliers have professional indemnity insurance so that they are not reliant upon the supplier having sufficient funds themselves to meet such claims.

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

PI 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.

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 confidentialityMistakes happen, and a breach of confidentiality can easily occur regardless of strict business processes.

We’ve put together information to help explain professional indemnity insurance in simple terms. Our FAQ will assist with answers to most of the common questions that we are asked, but please do let us know if you have any other queries and we’ll happily assist.

We’ve also compiled more detailed information for certain professional occupations;

If you need more information, please contact us.

No matter what business you are involved in, we can help. We’re always happy to provide advice and we’ll guide you through our online quote system if you wish.


John Heath Insurance Brokers
      01270 252 252
Arrowscroft, 142 Nantwich Road
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