Specialist Professional Indemnity Protection
Professional indemnity insurance protects your business against financial losses arising from claims by clients that your professional advice or services caused them loss or damage. For any business selling professional expertise or services, this insurance is essential protection.
A single professional negligence claim can cost tens of thousands of pounds in legal defense and damages. Professional indemnity insurance ensures your business can survive such claims without jeopardizing its future. We work with specialist insurers to ensure your coverage is tailored to your specific profession, services, and risk exposure.
What's Covered
- Professional negligence claims: Claims that your professional advice caused the client financial loss
- Breach of duty claims: Claims that you failed to deliver services as contracted or failed to meet your professional obligations
- Legal defense costs: Full coverage of legal representation and costs of defending against claims
- Compensation for damages: Settlement costs and compensation approved by your insurer
- Claims investigation expenses: Costs of investigating and managing claims
- Data protection and IP disputes: Coverage for data protection liability and intellectual property disputes with clients
What's Not Covered
It's important to understand what isn't covered under professional indemnity policies. While our policies provide comprehensive protection for legitimate professional errors, certain exclusions apply for dishonest or improper conduct.
Deliberate misconduct: Intentional failure to provide professional services or deliver on commitments
Fraudulent acts: Dishonesty, fraud, or dishonest financial dealings
Prior known circumstances: Claims arising from circumstances known to you before policy inception
Services not covered: Services or professional activities not specified in the policy
Bodily injury or property damage: Covered separately under public liability or employer's liability insurance
Specialist Coverage Options
Professional indemnity insurance needs vary greatly depending on your profession, the services you offer, and your client base. We offer flexible coverage options tailored to your specific professional activities and risk exposure.
We provide sector-specific cover for IT and technology professionals, design and engineering services, consultancy and advisory services, and other professional activities. Our policies also include retroactive cover to protect against claims arising from work performed before the policy inception date, run-off cover for when you retire or change business direction, and contractual indemnities to protect you against liability assumed under client contracts. We ensure your policy is structured around your specific professional practice and provides the protection your business truly needs.
Professions We Cover
Professional indemnity requirements differ across industries. We offer specialist policies tailored to your profession and the specific risks you face.
Professional Services We Protect
Consultants & Freelancers
Protection for independent consultants, advisors, and freelance professionals providing expert services to multiple clients.
Design & Engineering
Specialist coverage for architects, engineers, designers, and technical professionals liable for design errors and professional mistakes.
Technology & IT Services
Coverage for IT consultants, software developers, systems integrators, and technology service providers protecting against service failures.
Business & Management Services
Protection for business advisors, accountants, management consultants, and business service providers liable for professional errors.
Risk Management & Claims Support
Effective professional indemnity protection goes beyond insurance. We help you prevent claims before they happen through proactive risk management and expert guidance.
Our service includes professional contract reviews to identify liability risks in your client agreements, guidance on professional best practices and documentation standards, and early intervention when disputes arise to help resolve issues before they become formal claims. We also provide claims support when needed, working with claims experts to investigate matters thoroughly and manage the process efficiently. By combining expert insurance protection with proactive risk prevention, we help your professional practice stay protected and prosperous. When it comes to protecting your professional reputation, you need a broker who understands the nuances of your profession and the risks you face daily.