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Professional Indemnity Insurance

If you are alleged to have provided inadequate advice, services or designs to a client, professional indemnity insurance provides cover for the legal costs and expenses in defending the claim, as well as compensation payable to your client to rectify the mistake.

Regardless of how many years experience your firm may have, there is always the possibility you (or one of your team) could make a mistake. Professional indemnity insurance covers against a wide range of scenarios, including:

  • Professional negligence (i.e. making a mistake in a piece of work for a client)
  • Loss of documents or data
  • Unintentional breach of copyright and/or confidentiality
  • Defamation and libel
  • Loss of goods or money (your own or for which you are responsible)

Do you need professional indemnity insurance?

If you provide advice, designs or a service, usually for a fee, you probably need professional indemnity insurance.

What limit of professional indemnity do I need?

The level of cover that you opt to buy depends on your circumstances and the exposures that you face. If you need PI insurance for a specific contract, it's likely your client will have specified a minimum amount of cover.

In any case, you should consider insuring for the worst case scenario. If you were to make a mistake in a piece of work for a client, you really need to be insured to put that right – and that is the sum insured that you will require – the amount to put it right. You may also need to include the costs of legal fees to correct the mistake.

We deal with a number of insurers who offer this cover and we can offer advice accordingly based on your own circumstances.

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