Professional Indemnity Insurance
Could your business cope if you were taken to court?
Protect your company from the cost of legal action and compensation payments. Get a quote from our trusted partner iPro.
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Even if you did nothing wrong, there’s a risk.
Whether it’s a breach of contract or confidence, negligence, defamation or intellectual property infringement, there are many ways in which your business can be liable. While you might think you would never be accused of such things, a disgruntled client may disagree.
Don’t be caught out by a court case.
Whether you’re in the wrong or not, proving your innocence can come at a cost and Professional Indemnity Insurance is the perfect way to negate the impact.
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We are thrilled to be partnered with iPro
Their simple quotation tool can generate a tailored and affordable solution for freelancer Professional Indemnity Insurance.
- Established over 25 years
- 24hr legal advice helpline
- Access to legal document hub
- Instant policy documents
- Dedicated claims service
- Easy payment options
What can Professional Indemnity Insurance cover my business for?
There are several potential legal threats to your business. These could include:
- A client claiming you haven’t completed the job you were paid for.
- Making a mistake or giving inaccurate advice.
- Using protected material or technology without the owner’s permission.
- Making an untrue or defamatory claim about a person or business.
- Accidentally sharing confidential information.
Consider Optional Extras like Public & Employers Liability and Cyber Cover
Protect Your Team – Public & Employers’ Liability Insurance
Meeting clients, customers, or suppliers? Public Liability insurance protects you from claims for injuries or property damage, from slips and trips to significant losses. Get up to £5 million in coverage with a quick quote in 30 seconds.
If you hire freelancers or contractors, Employers’ Liability insurance is a legal must. It covers legal and compensation costs if they’re injured while working for you. Even a minor accident could lead to a claim—get covered for less than the cost of a fortnightly coffee.
Stay Protected from Cyberattacks, Data Breaches, and Penalties
Add Cyber Liability insurance to your policy for:
- Financial protection for recovery costs, legal fees, and compensation.
- Help managing data breaches and compliance.
- Support with fines, business interruption, and reputation management.
Cyber threats are rising—get covered and safeguard your business today.
Simply tick the box(es) on your Professional Indemnity quote to add these additional protections.
Get A QuoteFAQs
Do I need professional indemnity insurance?
If you provide advice, designs, or professional services, you should strongly consider professional indemnity insurance. Without it, you could face costly legal fees and compensation claims if a client accuses you of negligence.
Additionally, many clients require professional indemnity insurance before entering into contracts, and industry associations may have minimum coverage requirements for membership.
What types of claims does professional indemnity insurance cover?
Professional indemnity insurance protects against a wide range of claims, including:
- Management consultants – A business plan you provide doesn’t deliver expected results, and the client claims for financial losses.
- IT contractors – A website, app, or software is not fit for purpose, and the client claims for rectification costs.
- Engineering contractors – CAD work contains incorrect measurements, delaying a project, and the client claims for extra expenses.
- Fitness professionals – A client sustains an injury and claims that you failed to properly instruct them.
- Photographers – A client is dissatisfied with your work, or images are lost due to technical failure, leading to a claim for reshoot costs.
- Tutors – A student fails to achieve expected grades and claims for financial losses related to missed opportunities.
Can I get proof of cover for a contract?
Yes. Your insurance provider will issue a Confirmation of Liability Insurance document or similar, which you can present to clients and agencies as proof of coverage.
Do you offer short-term professional indemnity policies?
No, most professional indemnity policies run for 12 months, and for good reason.
Professional indemnity insurance operates on a ‘claims made’ basis – meaning:
- Your policy must be active both at the time of the alleged incident and when the claim is reported.
- If you cancel your policy and a past client makes a claim, you won’t be covered.
Maintaining continuous cover ensures protection for work completed in previous contracts.
How much professional indemnity cover do I need?
Check if your client or industry regulator requires a minimum level of cover.
If no minimum is specified, consider worst-case scenarios and the potential costs of rectifying a mistake. iPro, our preferred partner, offers coverage between £50,000 and £5 million, ensuring the right protection for your business.
Do small businesses need cyber insurance?
Yes. Small businesses are increasingly targeted by cybercriminals due to limited cybersecurity resources. Cyber insurance helps mitigate risks, ensuring financial and operational protection against cyber threats.
Who needs public liability insurance?
Any business that interacts with clients, customers, or the public should have public liability insurance. This includes:
- Retailers
- Tradespeople (electricians, plumbers, builders)
- Event organizers
- Freelancers working in public spaces