BUSINESS PROTECTION
Professional Indemnity Insurance
Essential cover for professionals who provide advice, design, or consultancy services.
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Protect Your Professional Reputation
If a client suffers a financial loss because of your professional advice or services, you could face a costly claim. Professional indemnity insurance covers legal defence costs and any damages awarded, protecting both your business and your reputation. Whether you're a consultant, architect, IT professional, or financial adviser, we arrange PI cover tailored to your specific profession and risk profile. For SME and mid-market firms placing mainstream commercial PI at standard limits, commercial professional indemnity at Kensington — our commercial sister brokerage — is the right desk.
What's Included
Negligent Advice
Cover for claims arising from errors, omissions, or negligent professional advice.
Breach of Duty
Protection against claims of breach of professional duty or failure to exercise reasonable care.
IP Infringement
Cover for unintentional infringement of intellectual property rights in your work.
Legal Defence
Full legal defence costs including solicitors, barristers, and expert witnesses.
Mitigation Costs
Cover for costs incurred in preventing or reducing the impact of a potential claim.
Retroactive Cover
Protection for work carried out before the policy start date, subject to a retroactive date.
Why Professional Indemnity Insurance Is Critical
Regulatory Compliance
Many professional bodies and regulators require PI cover as a condition of practice. We ensure your policy meets FCA, SRA, RICS, or sector-specific requirements precisely.
Retroactive Cover
Claims can arise from work done years ago. We arrange retroactive dates that protect you for all historic work — even if you have changed insurers or business structure since.
Defence Cost Funding
Legal costs are funded from day one when a claim is notified — not after liability is established. This means you can mount a full defence without the cash flow burden.
How We Arrange PI Cover
1. Risk & Sector Assessment
We review your profession, client types, contract terms, and revenue to identify the right level of indemnity. Higher-risk sectors like financial advice and construction need specialist wording.
2. Policy Comparison
We compare policy wordings line by line — not just price. Exclusions, excess structures, and aggregation limits vary significantly between insurers and can determine whether a claim is paid.
3. Claims Notification Support
When a potential claim or circumstance arises, we guide you through notification to protect your position and ensure insurers accept it — timing and wording are critical.
Frequently Asked Questions
For some professions it's a legal or regulatory requirement. Even where it's not mandatory, most clients and contracts require it.
This depends on your profession, contract values, and client requirements. Your broker will assess your exposure and recommend the right limit.
No, PI covers professional services only. Employment disputes are covered under employers' liability or employment practices liability insurance.
Speak to a business broker
Get the right cover for Professional Indemnity Insurance.
Tell us what you're protecting — your dedicated broker prepares a tailored quote and calls you back the same business day. No call centres, no queues, no scripts.
Independent broker · FCA authorised & regulated · 30+ years placing UK cover