When you or your business has a duty of care to a client, but doesn’t live up to that standard, such as incorrect advice or making a mistake in your work
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.
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.)
You can get cover for the following, but you need to check what is included in the policy for your profession.
* Please keep a record of your previous policies
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.