Protect your professional reputation and business from the financial impact of errors, omissions, or negligence claims.
Professional Indemnity Insurance
Professional Indemnity (PI) Insurance – also known as Errors and Omissions (E&O) Insurance – provides financial protection for professionals and businesses that offer advice, design, or specialist services. It covers the legal defence costs and compensation payments that can arise if a client alleges negligence or an error in your work.
Protect Your Professional Reputation
Defend against allegations of negligence or poor advice that could damage your credibility and business relationships.
Safeguard Against Costly Legal Claims
Cover for defence costs, settlements, and compensation ensures a single mistake doesn’t threaten your financial stability.
Meet Regulatory Requirements
Stay compliant with professional body or industry regulations that require active PI cover to operate legally.
What Professional Indemnity Insurance Covers
A comprehensive PI policy can protect against a range of professional risks:
Negligence, Errors, or Omissions
Protection against mistakes or oversights that cause financial loss to a client.
Breach of Professional Duty
Covers claims that you failed to perform your professional obligations to the expected standard.
Defamation & Misrepresentation
Protection if you’re accused of making damaging or false statements in the course of your work.
Loss of Documents or Data
Covers the cost to replace or restore important client information lost or damaged while in your care.
Intellectual Property Infringement
Protection if your work unintentionally breaches copyright or trademark laws.
Legal Defence & Investigation Costs
Pays for legal representation, expert advice, and the costs of investigating claims.
Compensation Payments
Covers damages or settlements awarded to clients as a result of a successful claim.
Medical Malpractice Cover
For healthcare professionals, Medical Malpractice Insurance provides specialist protection against claims of professional negligence leading to patient harm or injury. This includes:
- Legal defence and settlement costs
- Compensation for injury or loss
- Cover for misdiagnosis, treatment errors, or system failures
Frequently Asked Questions
How much does Professional Indemnity Insurance cost?
Premiums depend on your industry, turnover, claims history, and level of cover required. We’ll help you secure cost-effective protection tailored to your needs.
Is Professional Indemnity Insurance mandatory?
Yes – in many professions, such as law, accountancy, and architecture, regulatory bodies require PI cover to practise legally.
What’s the difference between Professional Indemnity and Public Liability?
PI covers claims arising from professional advice or services. Public Liability covers injury or property damage caused by your business activities.
How much cover do I need?
The right level depends on your contracts, client requirements, and exposure. Our brokers can advise on suitable limits for your profession.
Does PI cover past work?
Yes, if your policy includes retroactive cover. Always confirm your start date of coverage and discuss your historic exposure with your broker.
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