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Business insurance

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Professional indemnity insurance 

Businesses that provide opinions, advice, design or specification run the risk of claims against them if the advice or design turns out to be unsatisfactory. 

Even if you’re not at fault, you may have to spend significant amounts on legal fees to prove that the liability isn’t yours.

Professional indemnity insurance covers the risk of making a professional mistake: an act, error, omission or through conduct or being misinterpreted. 

Who needs professional indemnity insurance? 

Any business or individual providing advice or design to their clients should consider a professional indemnity insurance policy. This includes: 

  • Lawyers
  • Accountants
  • Engineers
  • Architects
  • Consultants
  • Project managers
  • Medical providers
  • Brokers
  • Valuers
  • Investment advisers or managers
  • Real estate agents
  • Business coaches
  • Software and website designers

What does professional indemnity insurance cover?

Whether you believe you are in the wrong or not, if a customer’s complaint relates to a potential mistake you’ve made on the job then there are grounds for legal action against you. Professional liability insurance seeks to protect both your assets and your reputation.

This form of indemnity insurance covers both the cost of a claim for compensation the business is legally liable to pay (eg a settlement negotiated out of court, or damages and expenses awarded in court) and also the costs of defending a claim.

Our professional indemnity insurance brokers can advise you on the best business insurance solutions to protect you against inadvertent negligent acts. And In the event of a claim, we'll work as your advocate to help get a fair and prompt result.

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