{"id":21743,"date":"2023-04-24T17:18:12","date_gmt":"2023-04-24T16:18:12","guid":{"rendered":"https:\/\/www.policybee.co.uk\/blog\/?p=21743"},"modified":"2025-07-11T13:35:15","modified_gmt":"2025-07-11T12:35:15","slug":"compare-professional-indemnity-insurance","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/compare-professional-indemnity-insurance","title":{"rendered":"How to compare professional indemnity insurance"},"content":{"rendered":"
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\"How<\/figure>\n<\/div>\n\n\n

Not all professional indemnity (PI) insurance is born equal. Neither, as you\u2019ve no doubt discovered, are all policies equally priced.<\/p>\n\n\n\n

That makes it essential to know what to look out for when you compare professional indemnity insurance<\/a> policies. Because plumping for the wrong one can cost you dear further down the line.<\/p>\n\n\n\n

As a rule, there are three key areas to consider if you\u2019re looking to include PI in your business insurance. First, and possibly foremost for a lot of people, is how much it costs. Second is the extent of the cover you get. And third is how claims are handled.<\/p>\n\n\n\n

Plus, there\u2019s the matter of where to buy your PI insurance from. Do you try a professional indemnity insurance comparison quote site? Do you go direct to an insurer? Or do you opt for the broker route?<\/p>\n\n\n\n

So many things to think about and so little time. No doubt time you haven\u2019t really got to spare if you\u2019re trying to run a business.<\/p>\n\n\n\n

So, here\u2019s some help with finding the right PI insurance. First, we\u2019ll look at what you need to think about when weighing up the pros and cons of different policies. Then we\u2019ll consider where to go to get PI that’s fit for your business.<\/p>\n\n\n\n

<\/p>\n\n\n\n

3 important things to think about when you compare professional indemnity insurance<\/h2>\n\n\n\n

<\/p>\n\n\n\n

1. Price<\/h3>\n\n\n\n

Everyone likes a bargain. And if you\u2019re making a professional indemnity insurance price comparison, it\u2019s often tempting to go for the cheapest policy on offer. They all do the same thing, after all.<\/p>\n\n\n\n

Only they don\u2019t. The range of cover offered by the least costly policy may fall far short of that offered by the more expensive alternatives. Equally, it might not be suitable for your particular line of business and could leave you vulnerable.<\/p>\n\n\n\n

Also, the excess payable for claims can be considerably higher at the cheaper end of the spectrum. Or the level of cover provided might be on the low side and quite possibly insufficient to cover all the costs associated with a claim.<\/p>\n\n\n\n

Look out for cheaper policies being \u2018in the aggregate\u2019 too, rather than the preferable \u2018any one claim\u2019. In the first scenario, all your claims costs come out of one pot, and once it\u2019s gone, it\u2019s gone. But in the second, each claim is treated separately, each time, up to the limit of cover.<\/p>\n\n\n\n

Something else to check when you compare professional indemnity insurance is that retroactive cover<\/a> is offered and you won\u2019t have to pay extra for it. This covers you for claims related to work you did in the past. It\u2019s important because claims can take months or even years to come out of the woodwork.<\/p>\n\n\n\n

It\u2019s advisable to have hidden costs on your radar as well, as these can stack up. Some providers charge additional \u2018admin fees\u2019 if you want to change the details on your policy or add cover before renewal. Others add interest to Direct Debit payments.<\/p>\n\n\n\n

As with anything, you get what you pay for. And although temptingly priced, cheaper policies can fall short of what you need or expected. So, some sound advice is to do your homework before you buy.<\/p>\n\n\n\n

<\/p>\n\n\n\n

2. Extent of cover<\/h3>\n\n\n\n

Professional indemnity insurance covers you for accusations that you did something that caused your client financial or reputational harm. Or maybe you failed to do something you should have. So far, so straightforward.<\/p>\n\n\n\n

But it\u2019s not. Because not all PI policies offer the exact same cover. That makes it important to dig into the way each policy is written, to make sure it offers the breadth of cover you need.<\/p>\n\n\n\n

It\u2019s surprising where and how often trouble can rear its unwelcome head. That means you need a policy that covers all the different types of hot water you could find yourself in \u2013 especially if you work in one of the riskier professions.<\/p>\n\n\n\n

With that in mind, certain professional bodies, like those for architects, surveyors, engineers, and accountants, require practitioners to have a specific wording for their PI. They also require a minimum level of cover and even stipulate which insurers you can buy your policy from.<\/p>\n\n\n\n

Similarly, if you work in other specific areas, you\u2019ll want a PI policy that covers your particular risks. Look out for useful, industry-relevant cover such as supplying deliverables for IT, or pre-emptive damage limitation for marketing activities.<\/p>\n\n\n\n

One final thing to be aware of is a policy\u2019s geographical and jurisdictional limits<\/a>. These dictate where you can work, where your clients can be based, and what country\u2019s laws any work you do must be governed by. They\u2019re hugely important if you work abroad or have international clients.<\/p>\n\n\n\n

So, always take time to compare professional indemnity insurance and individual PI policy wordings carefully, looking out for limits and exclusions. Because if you get it wrong, you may find yourself facing a claim that you\u2019re not covered for.<\/p>\n\n\n\n

<\/p>\n\n\n\n

3. Claims<\/h3>\n\n\n\n

So, the worst has happened and there\u2019s a claim against you. A client says you\u2019ve been negligent<\/a> in the work you\u2019ve done for them. And even if you don\u2019t think the claim\u2019s got legs, you\u2019ll have to do something about it.<\/p>\n\n\n\n

Time to call on your insurance, then. So, you make the call\u2026.and then what?<\/p>\n\n\n\n

The claims process<\/a> is something we hope you\u2019ll never have to get involved with. But the reality is, we\u2019re becoming an ever more litigious society. And professional indemnity claims make up the second-biggest portion of all the claims we deal with, after contents and portables.<\/p>\n\n\n\n

How the claims process is dealt with has a big say in how a claim affects your business, both in terms of the stress it causes and the eventual outcome. Plus, the potential damage to your reputation, of course.<\/p>\n\n\n\n

It\u2019s why you have professional indemnity insurance in the first place after all. But the claims process has more to do with how<\/em> you bought your PI policy once you\u2019d done your professional indemnity insurance quote comparison. <\/p>\n\n\n\n

And we\u2019ll look at that in the next section.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Should you buy your PI from a professional indemnity insurance price comparison site?<\/h2>\n\n\n\n

We\u2019d say probably don\u2019t buy from a comparison site. No matter how many cuddly toys wearing cute little outfits you can collect or what kind of voucher you\u2019re offered. And there are sound reasons why.<\/p>\n\n\n\n

Sure, it\u2019s tempting. By going the comparison site route, you get their software and algorithms to do all the hard work for you. Just a handful of questions and a few clicks, and you\u2019re presented with a clutch of policies ranked in price order. Easy.<\/p>\n\n\n\n

Only what you may not realise is that you\u2019re only being shown a certain slice of all the available policies on the market. The comparison sites use 3rd party providers to feed through the products presented to you on screen. And they pick and choose what you see. Some insurers don\u2019t feature on comparison sites at all.<\/p>\n\n\n\n

Now, that\u2019s all very well if you\u2019re talking car or home insurance. There are dozens and dozens of insurers out there offering policies for your latest wheels or your precious property. So, you\u2019ll no doubt be presented with plenty of policies to choose from and will hopefully be able to find what you need.<\/p>\n\n\n\n

But professional indemnity insurance is different. It\u2019s a specialist market and only certain insurers serve it. It\u2019s also a much more complicated type of insurance, where getting the right advice on which policy fits your particular business can be invaluable.<\/p>\n\n\n\n

In fact, where PI is concerned, you\u2019ll probably find you get the same small selection of PI policies served up across all four of the main price comparison sites. And you\u2019ll then have to make all the comparisons between them yourself.<\/p>\n\n\n\n

The question is: do you feel confident doing that? Do you have the necessary technical insurance knowledge to cut through the jargon and be sure of what you\u2019re getting? Or\u2026<\/p>\n\n\n\n

<\/p>\n\n\n\n

Should you use a broker instead when you compare professional indemnity insurance?<\/h2>\n\n\n\n

We\u2019d say yes. But we would say that, wouldn\u2019t we\u2026being a broker ourselves and all that. And again, there are sound reasons why.<\/p>\n\n\n\n

Brokers<\/a> are specialists in insurance. They can be online, at the end of a phone, or both, like us. And what makes a difference is that business insurance brokers know the complicated professional indemnity market inside out. They can use their expertise to identify exactly the right policy for a customer\u2019s needs.<\/p>\n\n\n\n

Now, you might say, what\u2019s the difference between using a broker and a price comparison site, then? You might even say you get less choice if you go the online route, because the broker\u2019s actually doing the choosing for you.<\/p>\n\n\n\n

But that\u2019s exactly the point. Brokers who have \u2018advised sales\u2019 status from the Financial Conduct Authority<\/a> (like us) are trusted to use their expertise in guiding customers to the right policy for their business. So, they get all the cover they need.<\/p>\n\n\n\n

All the hard work goes on behind the scenes in response to the way you answer questions your broker asks you. So, by the time you\u2019re presented with a policy option, the broker already knows it\u2019s an ideal fit and has a wording that will keep you protected.<\/p>\n\n\n\n

And if you\u2019re still feeling a bit miffed, you can pick up the phone and call your broker to chat things through in more detail.<\/p>\n\n\n\n

Oh, and that wasn\u2019t just a casual mention of the Financial Conduct Authority by the way. It\u2019s important, because the FCA regulates insurance brokers like us and makes sure they stick to stringent rules and regs. Those regulations ensure the customer is treated fairly and gets the deal that\u2019s suited to them.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Crucial claims<\/h2>\n\n\n\n

Finally, we need to mention claims. Because how claims are dealt with should be a key consideration in any professional indemnity insurance comparison.<\/p>\n\n\n\n

Buy through a comparison site or buy direct and you\u2019ll also be dealing with the insurer directly if you have to make a claim. That could mean large call centres and a claims department perhaps not fully set up to deal with the technical complexities of some PI claims.<\/p>\n\n\n\n

Buy through a broker and you\u2019ll have a dedicated claims expert by your side, to guide and help you through the whole process. Professional indemnity claims can be tricky and slow-moving, so having someone fighting your corner with the insurer and easing the claim\u2019s progress can be invaluable.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Final fanfare<\/h2>\n\n\n\n

Anyway, that\u2019s enough trumpet blowing about the value of brokers. Hopefully, you\u2019ve now got all the information you need to compare professional indemnity insurance policies objectively.<\/p>\n\n\n\n

You\u2019ve also seen the implications, good and bad, of where you buy your policy from. And since knowledge is power, we reckon you’re now sufficiently empowered to make the right choice for your business.<\/p>\n\n\n\n

If you\u2019d like to know any more about professional indemnity insurance or get a quote, click here<\/a>. Or speak to the team on 0345 222 5391<\/strong>.<\/p>\n\n\n\n

Image used under license from Shutterstock.<\/em><\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Not all professional indemnity (PI) insurance is born equal. Neither, as you\u2019ve no doubt discovered, are all policies equally priced. That makes it essential to know what to look out for when you compare professional indemnity insurance policies. Because plumping … Continue reading →<\/span><\/a><\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[129,132],"tags":[45,197,150,155],"class_list":["post-21743","post","type-post","status-publish","format-standard","hentry","category-professional-indemnity-insurance","category-small-business-advice","tag-claims-2","tag-insurance-brokers","tag-managing-risk","tag-retroactive-cover"],"acf":[],"yoast_head":"\r\nHow to compare professional indemnity insurance<\/title>\r\n<meta name=\"description\" content=\"You can't compare professional indemnity insurance on price alone. 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