Professional indemnity insurance from under £8 a month

10% of customers paid £94 for a 12 month policy between January to May 2019. We offer 0% APR on your monthly direct debit payments in the first year. Subject to credit agreement, must be aged 18 or over. Prices can vary based on your business occupation and details and the level of cover you choose.

Join over 500,000 businesses who trust us with their insurance.

  • Get 10% off business insurance if you’re already a Direct Line customer.

    Discount applies to your new business insurance policy. Subject to minimum premiums.

  • Professional indemnity insurance covers your business against claims for financial and reputational damage.
  • Flexible insurance your way: you can pay one annual payment, or 12 monthly payments at 0% APR in your first year.
  • We won't be beaten on price. We'll beat your new business insurance quote or renewal premium from any other insurer.

    New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Terms & Conditions.

Professional indemnity insurance at Direct Line for Business

Our experience of insuring thousands of small businesses means we know what you need from your insurance. At Direct Line for Business, we offer:

  • Personalised business insurance to suit the risks you face.
  • £100,000 to £5 million of cover, depending on your trade.
  • Cover for your defence costs, such as lawyer and court fees. This cover is in addition to your policy limit.
  • Unlimited access to our 24-hour legal helpline, so you can consult with a team of solicitors and other legal experts whenever you need to.
  • Unlimited policy changes – we won’t charge you admin fees if you need to amend your policy.
  • Retroactive cover — if you kept a record of your previous policies, we can cover you from the date you took out your first one, even if it was with another insurer. This is subject to you holding unbroken cover for the entire claim period.
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or call us on 0345 878 5603

What trades do we cover?

Whether you’re an accountant or a graphic designer, an IT consultant or an estate agent, when a client is paying for your expertise, they expect you to get things right.

However, mistakes can happen in any business. That’s why we offer professional indemnity insurance for a broad range of trades, including:

You can find out whether professional indemnity insurance is available for your business by starting the quote journey and selecting your trade from the menu.

We do not currently cover the following trades for professional indemnity insurance:

  • Solicitors
  • Engineers
  • FCA authorised trades
  • Mortgage brokers
  • Financial advisors
  • Personal trainers
  • School teachers

It is likely that we can cover you for other aspects of your business. You can check what’s available for your trade by starting a quote with us and we’ll let you know right away.

Get a quote
or call us on 0345 878 5603

How can we help?

Get a business insurance quote by searching for your profession above or calling us on 0345 878 5603.

Visit our contact us page to view our opening hours.

Policy documents

View and download policy documents here:

Below is a summary of a generic policy, from 15 July 2018 until 31 March 2019, which shows the main covers and exclusions in our policies.

Below is a summary of a generic policy, from 1 April 2019 onwards, which shows the main covers and exclusions in our policies.

Professional indemnity insurance at Direct Line for Business

What is professional indemnity insurance?

Professional indemnity insurance covers the costs you are required to pay if a client accuses you of negligence and makes a claim against your business. For example, if the client believes that following your professional advice caused them to lose money or suffer reputational damage.

Professional indemnity insurance covers the costs of correcting the mistakes, settling a claim, and any legal fees that you face when defending your business.

What does professional indemnity insurance cover you for?

Professional indemnity insurance covers you for:

  • Breach of professional duty - when you fail to live up to your duty of care, e.g. giving incorrect advice or making a mistake in your work.
  • A dishonest, fraudulent or malicious act or omission of any former or present employee. This includes employees lying, stealing or withholding information from your clients as well as revealing confidential information.
  • Libel or slander - using or producing written or spoken statements or materials that damage a client’s reputation.
  • Unintentional breach of confidentiality - when confidential data or information is accidentally disclosed to a third party without the client's consent, such as sensitive data being accidentally sent to the wrong person.
  • Unintentional infringement of intellectual property rights – e.g. accidentally violating intellectual property, copyrights and trademarks, including imitation or passing another’s products or services off as your own.
  • Loss of, or damage to, documents - this includes documents that are lost in the post or even stolen while in your care. It also covers the cost of recovering the documents, if this is possible.

What trades do we cover?

Who needs professional indemnity insurance?

Professional indemnity insurance is important if you offer advice or professional services to a client. If a client believes your work has harmed their business or caused them a financial loss, they could make a claim against you.

Even the most seasoned professional makes mistakes. You could accidentally email confidential information to the wrong contact, release the wrong version of new software or make an error in the design of a new garden. Each of these human errors could leave you open to legal action.

Even if you believe you haven’t done anything wrong, you will still need to pay for the legal costs of defending yourself in court. So having the right cover in place is important.

If you run a digital company, you may also want professional indemnity cover to safeguard your business against claims for copyright infringement.

How much does indemnity insurance cost?

The price of professional indemnity insurance depends on your business and personal circumstances. You can add professional indemnity to your policy by clicking on our online quote finder. Just answer a few questions about your business and we’ll provide you with a rundown of the cover we can offer.

Frequently asked questions

  • Q What kind of work does professional indemnity cover?

    Professional indemnity insurance is crucial for businesses that offer advice or professional services. Professional indemnity insurance can cover you if your business deals with the following:

    • Consultancy, advice or training services
    • Design services
    • Software development
    • Professional services
  • Q Do I need professional indemnity insurance?

    You are not legally required to hold professional indemnity but a number of professional associations won’t let you join their ranks without it. Here’s a list of organisations that require you to hold professional indemnity cover:

    • The Chartered Institute of Taxation (CIOT)
    • Association of Taxation Technicians (ATT)
    • Institute of Chartered Accountants in England and Wales (ICAEW)
    • Institute of Chartered Accountants in Scotland (ICAS)
    • Association of Chartered Certified Accountants (ACCA)
    • Chartered Institute of Management Accountants (CIMA)
    • Institute of Certified Bookkeepers
    • Architects Registration Board (ARB)
    • Royal Institute of British Architects (RIBA)

    Even if these groups are not relevant to your business, if you work as a professional consultant or have any dealings with local authorities, it is advisable to add professional indemnity to your insurance policy. Certain clients won’t hire you if you don’t have cover, so if you want to avoid missing out on work, it makes sense to have professional indemnity in place.

    Some clients will also state the value of the cover required as a condition of business, which will give you some guidance on how much cover you might want to take out.

  • Q How much professional indemnity cover should I take out?

    We offer cover from £100,000 all the way up to £5 million, for certain trades. To get an idea of the amount of cover you need, review the following:

    • Size of the project — how much would it cost if you were liable for something that needed replacing or completely redoing?
    • Size of your clients — smaller businesses tend to make smaller losses. If you’re working for a big client, they potentially have more to lose and your cover should reflect this
    • Local authority requirements — you may be required to hold a minimum level of cover before you’re even allowed to embark on a project
Get a quote
or call us on 0345 878 5603

Last Updated: 6 Nov 2019