If you provide advice, consultancy or design, produce materials that could infringe intellectual property rights or have access to clients’ sensitive information, you may need to take out professional indemnity insurance.
Professional indemnity insurance can help cover your business if a client claims that there is a problem with the work you’ve done for them. For example, if the work that you’ve produced for a client has lead to a financial loss or caused reputational damage to their business.
It can also offer cover for any compensation that you may need to pay to correct a mistake or settle a claim, and any legal defence costs that you may face when defending your business.
Without it, you could be liable for thousands of pounds worth of legal fees and compensation payments payable to your client if you are found to have been negligent in your services to them.
The following professions and trades often require professional indemnity insurance. Learn more about what professional indemnity is. If you’re a contractor, freelancer or small business, we cover:
Please note there are some trades/professions we don’t cover, such as medical professions and solicitors.
Our Professional Indemnity Insurance covers your legal defence costs to the limit you choose. You have the flexibility to increase your cover limits. And if any claim against you succeeds, we'll pay for compensation ordered by the court. (Again, within your chosen limit.)
Direct Line for Business Professional Indemnity Insurance provides cover for the following circumstances:
* Please keep a record of your previous policies
For more information on Professional Indemnity and the cover we provide, take a look at the video below:
The following policy documents apply to policies that were bought or renewed before 12 August 2016. Please choose the correct trade.
The following policy documents apply to policies that were bought or renewed on or after 12 August 2016. Please choose the correct trade.