Professional indemnity for trainers

Expert help for expert helpers

Pick a trainers' insurance package (if your turnover's under £25,000) or build your own.

Essential
Professional indemnity: £100k
Public liability: £1m
Portable equipment: £2k

£22.53

10 monthly payments

Classic
Professional indemnity: £500k
Public liability: £1m
Portable equipment: £2k

£25.53

10 monthly payments

Pro
Professional indemnity: £1m
Public & employers' liability
Portable equipment: £2k

£32.71

10 monthly payments

Essential

£22.53

10 monthly payments

Professional indemnity: £100k
Public liability: £1m
Portable equipment: £2k
Classic

£25.53

10 monthly payments

Professional indemnity: £500k
Public liability: £1m
Portable equipment: £2k
Pro

£32.71

10 monthly payments

Professional indemnity: £1m
Public & employers' liability
Portable equipment: £2k

A lesson in protection

You're the specialist and your clients want to know what you know. Great for business, sure, but it's a bit of a double-edged sword.

If they don't get it, or worse, think your advice has led to their loss, they'll blame you. And that's because of – not despite – the fact you're the specialist.

Here's what we know: professional indemnity insurance fights your corner and pays your legal costs. It's know-how you can't do without.


Why do trainers need professional indemnity insurance?

You don’t.

It’d be great if we could say that and mean it. But we can’t.

Mistakes happen, accusations are made, solicitors get involved and clients want payback. Rightly or wrongly these things happen every day and, sooner or later, you could be on the receiving end.

A claim won’t go away if you ignore it. And there are no shortcuts. You have to Do Something About It.

So, you need professional indemnity insurance because you have a business to run; because you have limited funds; because you’re not legally trained; and because your reputation matters.

What else is there?

How much professional indemnity insurance do I need?

Professional indemnity insurance protects your business. No one else’s.

So you have to decide what level of cover is enough for you. Consider what you do, who you do it for and how much it’s worth. Think about worst-case scenario and what could go wrong. What’s the most expensive mistake you could make (or be accused of making)?

Always bear in mind that you can’t have too much cover. Your legal defence can cost many tens of thousands of pounds – and that’s before the compensation bill from your client arrives. Your level of cover has to be enough to cover all of this.

It’s a tricky one to get right. Have a read of this guide or call us if you need more help.

What does professional indemnity insurance cover?

Negligence claims and allegations made against you by clients and third parties, because of mistakes you’ve made and things you’ve failed to do.

Specifically (but depending on the policy wording):

  • Defamation
  • Intellectual property infringement
  • Loss of documents or data
  • Negligent misrepresentation or misstatement
  • Employee dishonesty
  • Virus transmission
  • Breach of confidentiality
  • Failure of third-party equipment

But that’s not all. Some professional indemnity policies can fix a mistake before your client is even aware of it, thereby preventing a claim in the first place.

Clever stuff.

What else do I need?

Public liability insurance is for when you go out and about on business, or have visitors to your office. It’s for claims of physical damage to property and people. Useful if you’re clumsy.

Employers’ liability insurance covers your business if an employee sues it for damages. Claims are usually because they’ve suffered injuries and illnesses as a consequence of working for you. It’s a legal requirement for UK businesses with employees.

Office and property insurance covers the things in your office (furniture, plants, fixed IT equipment etc) and portable insurance covers gadgets and technical equipment away from the office (laptops, tablets, projectors etc). If you’re not sure it’s worth insuring, add it all up – it’s probably worth more than you think.

Business interruption insurance means you can still work when your office is out of action. Be it flood, fire or flea infestation, you’re covered for the costs of setting up elsewhere and for any lost revenue in that time.

Directors’ and officers’ insurance covers your company bosses. Anyone from regulators to shareholders to competitors can accuse you of not running a business with due care. Worse, directors are personally liable for their actions. The good thing is this insurance covers your defence costs and any compensation you have to pay. So you can put away your chequebook.

Why should I buy my insurance from you?

Glad you asked.

The simple answer is: we know what we're doing. Professional insurance is all we do so we know what you need, even if you don't.

We also know that buying insurance can be, well, a bit of a pain. So we make sure getting yours is quick and hassle-free.

We do all that while treating you like a human being, too. You won't find a call centre here. Or a phone menu. And we've banned nonsense insurance jargon.

Anything else? Well, there's the great stuff you get, such as 10% off everything at MOO. We have an 'I'm insured!' badge for your website too – perfect for the professional professional.

Also, you get to talk about your business in front of thousands on our blog, and we'll give you money each time you recommend us.

Plus, every insurance-related question you can think of is answered in our School of Risk, and you'll get our quarterly risk advice email – 'The Waggle' – to help you avoid problems in the first place.

If you're after a second opinion, have a look at our customers' feedback. They're the ones you should really listen to.

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What our customers say

Really easy to use did what i wanted no hassles will definately use you again.

Simplest site and fastest quote and at a fair price. Best experience ever to buy PI/PL insurance.

They seem like a really friendly company. I was so fed up with other insurance companies with their jargon and lengthy phone calls - PolicyBee was a refreshing change. It was quick and easy to take out insurance and I particularly liked the perks like free Moo cards, web badge and an opportunity to be profiled on the PolicyBee website.

Very easy to find the cover I wanted and to put it in place. That ease of doing business is key to me. Thanks.

PolicyBee gave me an unbeatable quote online. The process was so easy and I was insured within minutes.

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Prefer to chat?

No problem – we'll call you.

Laura Alcock - our trainers' insurance expert

I'm Laura,
our trainers' insurance expert.

Got a question? Need a quote? Call me on
0845 872 5098, or click
'Call me back'.