{"id":26493,"date":"2025-04-27T23:33:16","date_gmt":"2025-04-27T22:33:16","guid":{"rendered":"https:\/\/www.policybee.co.uk\/blog\/?p=26493"},"modified":"2025-08-20T09:12:51","modified_gmt":"2025-08-20T08:12:51","slug":"cancelling-your-professional-indemnity-insurance","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/cancelling-your-professional-indemnity-insurance","title":{"rendered":"The risks of cancelling your professional indemnity insurance"},"content":{"rendered":"
\n
\"The<\/figure>\n<\/div>\n\n\n

You might think cancelling your professional indemnity (PI) insurance<\/a> is a smart move once you retire, start taking on fewer clients, or a contract comes to an end.<\/p>\n\n\n\n

Why keep paying for something that doesn\u2019t seem necessary anymore? Surely, since you’re no longer working at full capacity or you\u2019ve stopped trading, the risk of a claim is gone, right?<\/p>\n\n\n\n

Wrong. Unfortunately, for most professionals, it\u2019s just not that simple\u2026<\/p>\n\n\n\n

Or maybe your business costs are rising and you need to find ways to cut costs. Everyone\u2019s feeling the pinch right now…maybe you\u2019re thinking professional indemnity insurance is something you can afford to cut loose.<\/p>\n\n\n\n

Whatever your reasons are for wanting to cancel your PI insurance, here\u2019s what you need to know before you do. <\/p>\n\n\n\n

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

Why cancelling your professional indemnity insurance is a risky move<\/strong><\/h2>\n\n\n\n

Professional indemnity claims are the most frequent<\/a> in the UK, accounting for over a quarter (26%) of all annual business insurance claims.<\/p>\n\n\n\n

You might think employers\u2019 liability<\/a> and public liability insurance<\/a> claims are more likely, but that\u2019s clearly not the case. Small businesses face a genuine threat from PI claims and shouldn’t overlook them.<\/p>\n\n\n\n

And here\u2019s the really important part: professional indemnity works differently to other types of insurance…<\/p>\n\n\n\n

PI (and medical malpractice insurance<\/a>) operates on something called a \u2018claims made<\/a>\u2019 basis. This means that for you to be covered, the policy needs to be active not only when the work was done but also when the claim\u2019s made.<\/p>\n\n\n\n

This is particularly important if you’re in a profession where mistakes or misunderstandings could come to light months, or even years, after the work\u2019s been carried out.<\/p>\n\n\n\n

So keep your insurance in place until you\u2019re confident no one will bring a claim against you. There might be ways to bring down the cost, though, which we\u2019ll talk about later.<\/p>\n\n\n\n

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

What\u2019s the worst that could happen?<\/strong><\/h2>\n\n\n\n

We don\u2019t want to catastrophise. But don\u2019t underestimate the impact if someone makes a claim, and you don\u2019t have insurance to protect you.<\/p>\n\n\n\n

Picture this: you\u2019re a freelance business consultant and you decide to switch to a full-time role working for someone else. Your last client is months in the past, so you think there\u2019s no harm in cancelling your PI policy.<\/p>\n\n\n\n

Then, out of nowhere, you get a call from said client. They\u2019re claiming they\u2019ve lost money due to the advice you gave them months ago. Yikes.<\/p>\n\n\n\n

You had insurance at the time you worked with them, but now you don’t. You\u2019re up a creek without a paddle.<\/p>\n\n\n\n

Professional indemnity claims<\/a> can get complex\u2026<\/p>\n\n\n\n

So you\u2019ll probably have to hire a solicitor, and we all know that won\u2019t come cheap. And it could end up costing you even more if the client wins.<\/p>\n\n\n\n

The last thing you want is to be financially responsible for compensation or court fees that could run into the thousands, or even more, in extreme cases. Best think twice before cancelling that professional indemnity insurance policy, then. <\/p>\n\n\n\n

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

Look before you leap<\/strong><\/h2>\n\n\n\n

If you\u2019re still on the fence about cancelling your professional indemnity insurance, here are a few important things to keep in mind.<\/p>\n\n\n\n

Some professions come with higher risks than others. If you\u2019re in an industry where a mistake could lead to significant financial loss for your clients (like architecture, surveying, or consulting), your exposure to claims is higher.<\/p>\n\n\n\n

Most of these riskier professions have regulatory requirements when it comes to professional indemnity insurance. For example, the UK <\/a>Architects Registration Board<\/a> requires architects to have PI.<\/p>\n\n\n\n

Even if you\u2019re not legally required to have it, cancelling could still damage your credibility with clients. Having insurance shows you\u2019re a professional who\u2019s prepared for any eventuality.<\/p>\n\n\n\n

If there\u2019s a possibility that your previous work might come under scrutiny later down the line (especially in industries where mistakes take time to surface), you should think long and hard about when it\u2019s safe to cancel your insurance.<\/p>\n\n\n\n

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

Keeping<\/strong> business costs down<\/strong><\/h2>\n\n\n\n

If the main reason you\u2019re thinking about cancelling your professional indemnity insurance is its rising cost<\/a>, it\u2019s worth looking into alternatives before giving it the chop.<\/p>\n\n\n\n

You don\u2019t necessarily need to cancel your cover completely. Sometimes, you can adjust your policy to lower the cost while still getting some protection. If you\u2019ve stopped doing certain activities, you\u2019re earning less money,\u00a0or have fewer clients than before, you might be able to reduce your cover. \u00a0<\/p>\n\n\n\n

Just make sure you don\u2019t lower your cover more than you should. Being underinsured<\/a> can be just as damaging as cancelling completely. It\u2019s always worth talking to your insurer or broker about options to fit your new circumstances.<\/p>\n\n\n\n

If you decide to look for a new, cheaper policy, keep your wits about you. If it\u2019s considerably cheaper, there\u2019s usually a reason. Make sure it\u2019s covering you for all eventualities and you\u2019re not paying large excess fees.<\/p>\n\n\n\n

Times can be tough, and cutting down on business expenses might seem like a quick win. But here\u2019s the thing: if something goes wrong after cancelling your professional indemnity insurance, can you afford to handle it on your own? If a claim is<\/em> made, the financial impact could be far worse than the cost of keeping your insurance.<\/p>\n\n\n\n

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

What\u2019s PI run-off cover and why\u2019s it important?<\/strong><\/h2>\n\n\n\n

If you\u2019re closing your business or stepping away from your profession, run-off cover<\/a> is probably the best solution.<\/p>\n\n\n\n

It protects you from claims made after you\u2019ve stopped trading, concerning work you did while your PI insurance was still up and running.<\/p>\n\n\n\n

The cost of run-off cover usually goes down the longer you have it, with the exception of certain risky professions, but gives you the same protection for past work.<\/p>\n\n\n\n

Professional bodies usually require chartered accountants, surveyors, and architects to have run-off cover for a number of years after they retire.<\/p>\n\n\n\n

Without run-off cover, you\u2019d have to pay for any claims made after your policy ends by yourself. And we\u2019re sure you\u2019d rather not have something like that hanging over your head.<\/p>\n\n\n\n

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

The bottom line<\/strong><\/h2>\n\n\n\n

When it comes to cancelling your professional indemnity insurance, the risks far outweigh the savings in most cases. And the last thing you want is for a PI claim<\/a> to catch you off guard.<\/p>\n\n\n\n

If in doubt, keep your cover in place or at least explore other options, including run-off cover. A little bit of caution can save you a whole lot of trouble in the long run.<\/p>\n\n\n\n

You can find out more about professional indemnity insurance<\/a>, or if you\u2019d like to chat about your situation with an insurance expert, just give us a call on 0345 222 5391.<\/strong><\/p>\n\n\n\n

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

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

You might think cancelling your professional indemnity (PI) insurance is a smart move once you retire, start taking on fewer clients, or a contract comes to an end. Why keep paying for something that doesn\u2019t seem necessary anymore? 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