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If your business gives advice, or offers a professional service, you should consider taking out Professional Indemnity Insurance.
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Employers Liability Insurance | If one of your employees sustains an injury from falling debris, this insurance is there to cover their claim. |
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Property Insurance | Cover for property for insured events such as fire, lightning, flood, or loss. |
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Directors & Officers Liability Insurance | To cover legal defence costs and compensation awards, if you are personally sued as a result of company business. |
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Motor Insurance | If your business owns a car and uses it for commercial purposes, you'll need Commercial Car Insurance. |
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Professional Indemnity | Protect your business against claims by a client for loss or damage if you are negligent or make a mistake. |
Many professions, such as architects, solicitors, insurance brokers and financial advisers, are required to have Professional Indemnity cover as a regulatory requirement.
What's Your Business?
Which Insurance?
Professional Indemnity Insurance
Do I need Professional Indemnity Insurance?
If your business gives advice, or offers a professional service, you should consider taking out Professional Indemnity Insurance. Many professions, such as architects, solicitors, insurance brokers and financial advisers, are required to have Professional Indemnity cover as a regulatory requirement.
What is Professional Indemnity Insurance?
Professional Indemnity insurance protects your business against claims for loss or damage by a client if you are negligent or make a mistake in the services that you provide for them. This may include claims for professional neglect, libel and slander, or breach of confidentiality. Legal costs are also covered.
How much does it cost?
In many cases, the client dictates the level of professional indemnity required but where this is not the case it is worth finding out their expectations as to insurance before taking on the work.
What else?
Professional Indemnity cover is usually on a claims-made basis, which means that the policy will only cover claims that are made while the policy is 'live'. It's important to remember that should you close your business or retire, you may need to arrange 'run-off' cover for a period of time afterwards.
What other insurances should I consider?