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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.

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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.

Our expert insurance advisors can help you decide which level of cover is right for your business, including the types of claims that could be made against you.

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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.
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Want to make sure your legal costs are covered?

Fill out the form below to arrange a time to speak to an Indemnity Insurance expert.

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Are all businesses eligible?

These policies are available to UK businesses only.

Who provides the insurance and how can you be so competitive?

Your Broadbench adviser will scour the whole market to find you the best insurance policy to suit your requirements. Broadbench is authorised and registered by the Financial Services Authority.

How can I pay for this insurance?

By direct debit, monthly, quarterly or annually.

What happens when the insurance is due to be renewed?

The policies are continuous, which means they automatically renew. You will be sent a letter with your company details to check. You only need to send this back or contact us if your situation has changed, for example, if your turnover/day rate has increased.

What happens if I have to make a claim under the insurance policy?

You should notify the claims department of your insurer, you will find this contact info on the policy documents or their website.

How do I find out the terms and conditions of each type of insurance policy?

We provide a policy summary for each cover when we provide you with your quote which is a plain English overview of the cover listing key benefits, exclusions, claims service information and how to cancel your policy. Some insurance providers will post out your policy documentation and T&Cs, while others make this available online – your Broadbench adviser will tell you how you’ll access your documentation.

How do I cancel or vary the terms of cover?

You should speak to your broker to ensure that either cancelling or amending your cover is the right thing to do.

What is retroactive cover?

This cover provides extra protection for work your business carried out prior to the policy inception date. Unless you specifically request retroactive cover (and provide us with a date to ‘back-date’ your cover to), the policy will only cover work carried out from the inception date of your policy.

The reasons you may want to backdate your cover are; to ensure that you’re covered for work and contracts you have previously entered, or are currently engaged in, and because it could be many months or even years before you are aware of a potential claim arising from work carried out in the past. For example, it might be some time before your client realises they are unhappy with the service you provided.

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