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Professional indemnity

Professional indemnity insurance

Professional indemnity insurance – or PI insurance – provides cover for the legal costs and expenses involved in defending a claim, as well as compensation payable to your client if you are found to be responsible for providing inadequate advice, services or designs that cause your client to lose money. Having a professional indemnity policy in place is crucial to allow you to work freely and confidently in the knowledge that your business is protected.

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While some professions - such as financial advisors and accountants - are legally required to have professional indemnity insurance, in general it is a client expectation and can impact the way your business is perceived. Even the smallest mistake could lead to an unhappy client, and whether you are at fault or not, they may take issue with the work you have carried out and seek compensation. Even if you’re not at fault and can successfully defend a claim, there may still be significant legal costs involved which can be crippling to your business.

The level of professional indemnity cover you need depends on the risks involved with your business. Civil liability policies provide specialist cover for all civil liabilities (unless specifically excluded) arising from the provision of professional services such as breach of statutory duty, libel and slander and breach of intellectual property rights. The prices of negligence only PI policies are lower, and are designed to merely cover negligent acts, errors or omissions.

Understanding that every profession has unique insurance requirements, we have built our knowledge and understanding of the industry to ensure we offer the most suitable solution for your business. As a market leading professional indemnity insurance broker, we have access to many specialist insurers allowing us to select cover to suit your business, with influence to negotiate genuinely competitive premiums. What’s more, our relationships with many respected industry bodies make us an ideal partner for your business – helping to alleviate the pressures and challenges you face daily.

Confused by professional indemnity insurance?

With such a range of professional indemnity cover on offer, we know that the PI landscape can often seem confusing and stressful. For further information, please take a look at our professional indemnity FAQ’s:

To discuss your insurance requirements, our range of PI cover options or to get a professional indemnity insurance quote, call our experts today on 0345 894 4684 or email enquiry.professions@bluefingroup.co.uk.

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