{"id":8369,"date":"2026-03-10T13:42:56","date_gmt":"2026-03-10T13:42:56","guid":{"rendered":"http:\/\/www.policybee.co.uk\/blog\/?p=8369"},"modified":"2026-03-10T13:43:53","modified_gmt":"2026-03-10T13:43:53","slug":"whats-difference-costs-inclusive-costs-addition","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/whats-difference-costs-inclusive-costs-addition","title":{"rendered":"What are costs inclusive and costs in addition?"},"content":{"rendered":"\n

<\/p>\n\n\n

\n
\"How<\/figure>\n<\/div>\n\n\n

We’ll get to the ins and outs of costs inclusive and costs in addition in a sec. But first, some context.<\/p>\n\n\n\n

If you offer a service or give advice, we, and every other business insurance broker will tell you that you need professional indemnity (PI) insurance<\/a>. Just in case someone sues you for negligence<\/a>.<\/p>\n\n\n\n

But, we’ll also tell you that proper, unequivocal professional negligence is actually pretty rare. It’s far more common to be accused<\/em> of making a mistake when you haven’t. (Sneaky clients can try this to avoid paying your invoice.)<\/p>\n\n\n\n

Either way, you’re faced with having to defend yourself. Your reputation is a fragile and valuable thing and you want to protect it.<\/p>\n\n\n\n

Luckily, your PI insurance covers wing-and-a-prayer claims as well as bang-to-rights ones. All it takes is a quick call to your broker to get the ball rolling.<\/p>\n\n\n\n

It’s at this point you might hear ‘costs’ mentioned.<\/p>\n\n\n\n

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

What sort of costs?<\/h2>\n\n\n\n

The costs we’re talking about here are legal costs.<\/p>\n\n\n\n

Assuming you want to fight the claim, your insurer may want to appoint legal specialists or expert witnesses from outside their own team.<\/p>\n\n\n\n

The good thing is that professional indemnity covers these costs \u2013 regardless of whether you’re in the wrong or not. You’re not faced with a big solicitor’s bill; your insurer is.<\/p>\n\n\n\n

Even so, how those bills are paid affects you and your policy:<\/p>\n\n\n\n

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

Costs inclusive<\/h2>\n\n\n\n

Costs inclusive<\/strong> policies, as the name suggests, include these legal costs in the overall level of cover.<\/p>\n\n\n\n

If your policy limit is \u00a31m, and a claim against you costs \u00a350,000 to investigate\/defend, there’s \u00a3950,000 left to compensate your client or fix what’s wrong.<\/p>\n\n\n\n

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

Costs in addition<\/h2>\n\n\n\n

Costs in addition<\/strong> (also called excluding costs) policies separate the legal costs from the rectification costs. They’re paid ‘in addition’ to, not out of, the overall level of cover.<\/p>\n\n\n\n

So using the same example, those \u00a350,000 legal costs don’t eat into the overall level of cover. There’s still \u00a31m left to pay compensation or fix-up costs if needed.<\/p>\n\n\n\n

Fairly obviously, costs in addition policies are a safer bet. Solicitors aren’t cheap and you’d be surprised how quickly the bills mount up. Just be aware that this type of policy is a bit more expensive to buy in the first place.<\/p>\n\n\n\n

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

Excess information<\/strong><\/h2>\n\n\n\n

Perhaps more importantly, the excess<\/a> (the amount you pay towards a claim) can be costs inclusive or costs in addition too.<\/p>\n\n\n\n

A costs inclusive excess<\/strong> is paid by you whenever your insurer investigates\/defends a claim against you, regardless of its outcome.<\/p>\n\n\n\n

A costs in addition excess<\/strong> is only paid when you’re at fault and your insurer has to compensate your client. Unlike a costs inclusive excess, a costs in addition excess means a successfully defended claim shouldn’t cost you anything.<\/p>\n\n\n\n

Again, in addition excesses are a better, if more expensive, option.<\/p>\n\n\n\n

Not all insurers offer them though. It’s definitely worth checking your policy schedule (or quote details) to make sure you have what you need.<\/p>\n\n\n\n

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

Know your limits<\/h2>\n\n\n\n

This brings us to our final word on inner limits<\/strong>. <\/p>\n\n\n\n

Inner limits (sometimes called ‘sub-limits’) are specific limitations within certain policies that are effectively a payment cap. Meaning, there may be a limit on how much your insurer will pay towards certain categories of claims. <\/p>\n\n\n\n

Some types of claims happen more often or cost more to fix. Inner limits help keep the cost of insurance affordable for most customers by capping those ‘risky’ areas.<\/p>\n\n\n\n

For example, some PI policies come with a limit on how much the insurer will pay towards intellectual property (IP) disputes. <\/p>\n\n\n\n

Because IP claims, though relatively rare, cost more in legal and settlement costs, placing a cap on them means insurers can keep their insurance competitively priced. While those customers who need more cover \u2013 and are happy to pay a bit extra for it \u2013 can arrange to do so.<\/p>\n\n\n\n

Again,\u00a0any\u00a0details\u00a0of any limits\u00a0will be\u00a0laid out\u00a0in your policy schedule and\/or quote. So be sure to\u00a0check them\u00a0over\u00a0carefully.\u00a0And speak to your insurer (or a broker like us) if you think you need more cover.<\/p>\n\n\n\n

If you have any more questions about costs inclusive and costs in addition or on inner limits, you can give us a ring on 0345 222 5391<\/strong>.<\/p>\n\n\n\n

Image <\/em>\u00a9<\/em><\/strong> PolicyBee 202<\/em>6<\/p>\n\n\n\n

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

We’ll get to the ins and outs of costs inclusive and costs in addition in a sec. But first, some context. If you offer a service or give advice, we, and every other business insurance broker will tell you that … Continue reading →<\/span><\/a><\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[129],"tags":[183,184,137],"class_list":["post-8369","post","type-post","status-publish","format-standard","hentry","category-professional-indemnity-insurance","tag-cost-in-addition","tag-cost-inclusive","tag-insurance-explained"],"acf":[],"yoast_head":"\r\nWhat are costs inclusive and costs in addition?<\/title>\r\n<meta name=\"description\" content=\"If your professional indemnity insurance is 'costs in addition', it pays legal and other costs in a different way to a 'costs inclusive' policy. 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