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Every professional firm or practice that provides advice or consultancy services needs Professional Indemnity insurance. Even if you’re not required to hold it by law or by your regulatory body, you most certainly need it to protect yourself and your business in the event of any claim being made against you for alleged negligence.Start your quote
A professional practice is a company that offers business services, advice, and/or designs to its clients. This covers a vast number of UK businesses. Examples include: marketing and design agencies, business management consultancies, accountancy firms, recruitment agencies, architecture and surveyor practices, legal firms, and many more.
Negligence is a broad term and covers a range of possibilities, none of which need to be a deliberate act. As a result, any professional business that offers business services to its clients can be accused of negligence. If you’re not insured it could cost you a lot of money in legal costs to clear your name and preserve your business’ reputation.
Professional Indemnity insurance will give you the reassurance that you’re covered, allowing you to concentrate on your work.
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Protects against claims of alleged negligence in your professional services, advice and designs.
Protects against claims of injury to third-parties or damage to a third-party's property.
A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.
Cover for contract disputes, tax investigations, court attendance, debt recovery, and more.
Cover for work injuries, illnesses caused by work and compensation awards.
Protection for losses from, fraud, dishonesty, theft, bribery, forgery, and loss investigations.
Covers your business in the event of a malicious attack on your computer systems and data.
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Alleged negligent work
Professional Indemnity insurance would respond to provide cover in instances such as these.
You cause property damage while in a client’s premises
You accidentally damage property while visiting a client’s premises. A claim is made against you for the cost of the damaged item. In this instance, you would be covered by Public Liability insurance.
With our online quote and buy system you can get an indicative quotation for your insurance in a matter of minutes.
If you have a specific requirement or would simply like assistance with your quote please contact 0333 321 1403.
Apart from Professional Indemnity insurance professional practices will typically be required to carry Public Liability insurance, especially if they work from office premises and meet clients face-to-face.
A professional practice will typically employ staff, therefore Employers’ Liability insurance is required by law, with a minimum cover of £5 million. Caunce O’Hara Employers’ Liability insurance provides £10 million of cover as standard.
It is important to be aware that as a self-employed business owner, a claim can be made against you personally with unlimited personal liability. Directors and Officers insurance is a policy which will cover you in this instance.
If you handle sensitive client data, then a Cyber Liability insurance policy could be valuable to ensure you and your clients are covered.
Legal Expenses insurance will also provide cover for costs incurred from a legal occurrence or claim that your indemnity and liability insurance does not cover, including the cost of an IR35 tax investigation, or a property dispute.
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Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.Get in touch