Professional indemnity insurance

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Your expertise, covered

We firmly believe you should have confidence in your expertise and trade. But when it comes to work, everybody makes mistakes. Professional indemnity insurance is there to protect you if your client suffers a financial loss through your work for them. Using one simple form, Simply business will help you arrange this cover as part of your full business insurance policy, or as a stand-alone policy – whatever suits you.

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What is professional indemnity?

Simply Business director, Deborah Reid, explains the ins and outs of professional indemnity, and why cover is key for so many small businesses.

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Do you need it?

If your business gives advice, offers a professional service, or handles data or intellectual property belonging to a client or business, you could at some point need professional indemnity insurance. This cover is there to protect you against the cost of a claim made against you for negligence or a mistake that leaves the client out of pocket. Even if you’ve done nothing wrong, the cost of defending yourself against these claims can be very high. Professional indemnity cover can help protect you and your business from this.

A quick claim example

One of your employees has accidentally sent an email containing confidential client information to the wrong person. Your client is now suing you for breach of confidentiality.

What was covered?

The professional indemnity claim cost of £35,000, including legal costs.

What wasn’t covered?

The £250 excess (this is the part of the claim you pay), plus any costs for damaged reputation or loss of future contracts.

Choose your level of cover

Simply Business offers between £50,000 and £5 million of professional indemnity cover, but how do you choose the right figure?

Your clients will often tell you the level of cover they need you to have in place. If they haven’t, it’s always worth asking them before you take on the work, so you’re both prepared. Other smart things to check are the exclusions on your policy, and whether it includes legal expenses cover. As with most things, it’s best to do this before you buy.

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