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 – known for short as PI insurance or, in some cases, 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 coupled with public liability insurance – whatever suits you. Compare professional indemnity insurance quotes below and find a tailored policy in minutes.

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What is professional indemnity insurance?

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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Brush up with our quick professional indemnity insurance definition

Do I need professional indemnity insurance?

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 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 against this risk.

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

At Simply Business, our professional indmenity cover levels start at £50,000 and stretch into the millions – but how do you choose the right figure for you and your contracts?

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, and any changes can be checked with your professional indemnity insurance provider. Other smart details 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.

From professional indemnity insurance for accountants to architects, surveyors and consultants, our panel can provide options for a range of professions.

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“Just taken out a policy with these people - great service.”

Claire Thomas, Shop

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