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Does your business offer professional advice or services?

We guarantee to beat any quote for the same cover
New customers only. Qualifying criteria apply.

Professional Indemnity Insurance

For you and your business

In your work do you provide professional services or advice to your clients? And are you a contractor, freelancer, self employed or even a small business owner? If so, your customers could claim for compensation if they think your advice is negligent and has caused them a financial loss or damaged their reputation. Many clients may also ask you to provide proof of professional indemnity insurance before they work with you, especially if you're working with local authorities or large companies.

For more information on Professional Indemnity, and the cover we provide, check out the video below:

What is Professional Indemnity Insurance?

Professional Indemnity cover explained

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.

What's covered?

Take a look at our Professional Indemnity Insurance.

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  • Please ensure you provide correct information, and you comply with the statements on this page. If you buy this policy, these details will form the basis of the insurance contract between us. Incorrect information could invalidate all or part of the policy.

    Under European law both yourself and us can choose which law will apply to this contract. English law will apply unless we both agree otherwise. Our cancellation and complaints procedure is detailed in the policy documents, where you can also find the details of the 14 day cooling off period.

    If your circumstances change between the date you buy the policy and the cover start date, please call us as incorrect information could invalidate all or part of the policy. You can make some mid-term amendments to your policy online. We don't charge administration fees for mid-term changes to your policy.

    If you decide to cancel your policy during the period of insurance there is no administration fee for cancellation.

    We assume neither the proposer, director or partner of your trade or business or its subsidiary companies either personally or in any business capacity:

    • are subject to bankruptcy or insolvency orders which are either outstanding or have been discharged for less than 5 years;
    • have been convicted of or charged (but not yet tried) with a breach of any health and safety legislation or any other criminal offence other than parking or speeding offences or offences which are spent under the Rehabilitation of Offenders Act 1974;
    • have ever had a proposal refused or declined or ever had an insurance cancelled, renewal refused or had special terms imposed;
    • have been the subject of a County Court Judgement and/or ever been cited in any unsatisfied court judgements (or the Scottish equivalent) within the last 10 years;
    • have been subject of an individual voluntary arrangement with creditors, voluntary liquidation, a winding up or administration order, or administrative receivership proceedings within the last 10 years.

Policy documents

View and download policy documents here

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.

Industry Bodies

that require members to have 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
  • Royal Town Planning Institute (RTPI)
  • Architects Registration Board (ARB)
  • Royal Institute of British Architects (RIBA)

Frequently asked questions

About Professional Indemnity Insurance

  • Q What is Professional Indemnity and what does it cover?

    Professional Indemnity insures professionals and businesses against claims made by clients for financial loss or reputational damage due to negligent advice, design or services. The policy covers your legal costs for defending the claim as well as any compensation paid out.

    It specifically also insures you for:

    • Breach of professional duty is when you or your business has a duty of care to a client, but fails to live up to that standard, such as incorrect advice or making a mistake in your work.
    • Dishonest, fraudulent or malicious act or omission of any former or present employee. This includes employees stealing from your clients, and lying or failing to inform you or your clients of detrimental information, as well as revealing confidential client information.
    • Libel or slander, using or producing written, or spoken statements or materials that damages a client’s reputation.
    • Unintentional breach of confidentiality, when data or information provided in confidence is accidentally disclosed to a third party without the client's consent, such as sensitive data being stolen or accidently sent to the wrong party or without permission.
    • Unintentional infringement of intellectual property rights, such as accidentally violating copyrights, patents, and trademarks, includes imitation or passing another’s products or services off as your own.
    • The loss of or damage to documents, which could be damaged, lost in the post or even stolen while in your care. It also covers the cost of possible recovery of documents.
  • Q What type of business or professional does Professional Indemnity Insurance cover?

    If you’re a contractor, freelancer or small business, we cover the following trades/professions:

    • Accountants
    • Construction consultants including architects
    • Estate agents and property consultants
    • Media/marketing consultants
    • IT consultants
    • Business/management consultants
    • Other professions such as driving instructors and photographers 
  • QHow long is a quote valid for?

    Your quote will be valid for 30 days from the day you receive it.

  • QHow far in advance can I get a quote?

    You can get a quote up to 30 days before you need the cover to start.

  • Q What if my trade/profession isn’t on the list?

    We're only able to offer a quote for those trades listed. If you're having difficulty matching your trade to those listed, please call us on 0345 878 5555.

  • Q What do I do if I have multiple trades/professions?

    If you need cover for more than one trade/profession, please call us on 0345 878 5555.

  • Q What if I haven't got a business name?

    The Business name field is mandatory only for Limited company or Partnership. You can leave it blank if you are a sole trader.

  • Q What if I don't have an email address?

    To get a quote online you’ll need to enter a valid email address. If you'd like help getting a quote, call us on 0345 303 1756.

  • Q What are the excesses for Professional Indemnity Insurance?

    Excesses will vary depending on your circumstances and your individual excesses will be found in the quote page when you have completed the ‘Your Business’ section of the quote process. Or call us on 0345 878 5555.

  • Q What if I don't know the date of a past claim (Professional Indemnity Insurance)?

    If you’re unsure of the date of your claim(s) please get in touch with your current or previous insurer to find out. Or, you can enter an approximate date and then call us on 0345 878 5555 to change your claims details with the correct information.

View more questions

Knowledge Centre