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What is Professional Indemnity Insurance?

This policy covers your legal defence costs and compensation payments you have to pay to clients or any third party because of problems with your work.


What does a Professional Indemnity Insurance policy cover?

Claims made against you for:


  • Errors and omissions, such as giving wrong advise or an error in your work

  • Breaches of contract, such as failing to meet deadlines or failing to provide the required systems

  • Inadvertently making a statement that you cannot substantiate

  • Accidentally infringing of another person’s intellectual Property rights like copyright, trademark, design rights, acts of passing off, etc

  • Defamation, the Libel or slander of others

  • The dishonesty of your partners, directors, employees, sub-contractors or outsources

  • The costs of replacing or restoring loss or damaged documents

  • The transmission of viruses, denial of service attacks and unauthorised acquisition of personal or confidential corporate data

  • Any other Civil Liability, that is not excluded from an insurer’s policy


Do you need Professional Indemnity Insurance?

If you offer your knowledge, skills or advice as part of your profession either as a self-employed individual or for a company then you should consider taking out Professional Indemnity Insurance. 



With some businesses Professional Indemnity is just one of many covers they require, so it is worth you knowing that this cover can be included as part of Technology Combined policy, which will provide additional covers, such as Public and Products Liability, Employers’ Liability, Property Damage, etc.


If you have any further questions regarding Professional Indemnity Insurance, please feel free to contact us.


If you have already decided that you require Professional Indemnity Insurance and you would like a quick insurance premium indication, please fill in the 8 questions of our quick quote formon the right side of this page and one of our Account Executives will contact you within 24 hours with your premium indication.