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Professional indemnity insurance tailored to you

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What is professional indemnity insurance?

Professional indemnity insurance is for professional people or businesses that provide a specialist service – design, copy, advice, strategy, ideas or other expertise – to paying clients.

People and businesses just like you in fact.

It protects you if one of those paying clients (or a third party) alleges you've made a mistake and it's cost them money. And they decide to sue you for their loss.

Your policy pays for a specialist solicitor to defend you and, if it turns out you are culpable, picks up the tab for compensation or damages you have to pay your client.

Why do I need professional indemnity insurance?

This is an easy one.

It comes down to three things: money, time and expertise. You might have one or two but you'll need lots of all three if a claim drops through your letterbox.

Because any allegation against you, regardless of whether you're actually at fault or not, has to be defended. Ignoring it won't make it go away and, honestly, can you say you're fully equipped to fight the good fight? If you're not, can you risk damaging your business and your reputation trying?

Professional indemnity insurance is your secret weapon. Having it means you can concentrate on your work and not worry about the consequences of your clients' finger-pointing.

If it does all go wrong, you'll have the might of an expert insurer nestling in your back pocket, ready to fight your corner and protect your finances.

You're free to run your business, safe in the knowledge that at least you’ll still have one when it's all over.

Not bad for a couple of hundred quid a year.

What does professional indemnity insurance cover?

Specifically, professional indemnity insurance covers:

  • Your mistakes or things you’ve failed to do
  • Defamation
  • Infringement of intellectual property rights
  • Negligent misstatement or misrepresentation
  • Loss of documents or data

So, in essence, professional indemnity insurance will:

  • Protect your financial interests
  • Minimise disruption to your business
  • Cover the cost of defending you even if the claim against you isn't valid

Summary of cover | Professional indemnity insurance

A policy summary of the key information and benefits of a sample professional indemnity insurance policy.

Policy wording | Professional indemnity insurance

Important information about the terms and conditions from a sample professional indemnity insurance policy.

Favour the phone?

Sometimes it's easier to talk.

If you’re not sure what you need, just ask.

I’m Kerri, our professional indemnity insurance expert and I’m here for advice, quotes, questions – anything.

So call my direct line:
0845 872 5073, or click below and I'll call you back.


The cover provided by the insurance on this website is subject to policy Terms and Conditions. Descriptions of the insurance are not legally binding and are intended as a guide and for information purposes only. No legal expertise or advice is implied or should be inferred.

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