Professional Indemnity Insurance

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Buying professional indemnity insurance cover is one of the most important decisions that you will make about your business. In a no win no fee world you need to be sure that the professional indemnity insurance cover you buy will protect your business in the event of a claim. With so many different insurers and so many policies to choose from it can be difficult to know what to buy. That’s why many professionals turn to Trevellyan Insurance Brokers to help them find the find the best professional indemnity insurance cover for their business at the best possible price.

At Trevellyan Insurance Brokers we are passionate about Professional Indemnity. We look after the Professional Indemnity Insurance for a wide range of businesses – from individuals and small companies to big businesses with multinational operations.

Professional Indemnity Insurance is compulsory for many professional businesses and services such as architects, engineers, brokers, solicitors, independent financial advisers, accountants, computer consultants. You should also consider taking out professional indemnity insurance if your business gives advice or offers a professional service to other businesses.

Professional Indemnity Insurance covers you if you are negligent or make a mistake which causes a client’s business to suffer a financial loss. A Professional Indemnity policy will protect you and your business from the financial consequences of claims arising from errors and omissions, negligence, bad advice, loss of data, breach of copyright, libel and slander as well as the cost of representation at disciplinary tribunals and awards made by ombudsman.

Even if you have done nothing wrong, but a client alleges negligence on your part, you’ll need a Professional Indemnity policy to pay the legal costs of defending yourself or your company.


Accountants professional indemnity insurance protects you and your business against any allegations that a client may make that your business has provided inadequate advice, services or that you haven’t met the required standard of a competent accountant.

Architects & Engineers

Make a mistake and it’s hard not to be reminded of it. Buildings tend to be permanent, along with any glaring errors. Finger-pointing clients won’t go away either. But spending time and money clearing your name isn’t part of your grand design. Thankfully, architects’ pi insurance means it doesn’t have to be.

Business Advisors/Consultants

Consultants that provide services or advice as a subject matter expert are potentially exposed to a variety of financial risks. Consultants professional indemnity insurance can provide protection against a costly error or omission.

Engineers and Computer Consultants

Professional indemnity insurance is often a contractual requirement for computer programmers to begin work for their client. It covers the legal costs of defending your business against allegations of professional negligence as well as any damages awarded against you if your defence is unsuccessful.

World wide

Recruitment professional indemnity insurance provides protection for recruitment consultants and their businesses against claims for financial loss as a result of their negligence or breach of professional duty from the recruitment services they provide.

Insurance for Contractors 

Construction professional indemnity insurance is designed to protect contractors and sub-contractors in the event that claims are made against them for allegations relating to errors in their work, incorrect designs or professional negligence, that causes their client a financial loss.

When should I get professional indemnity cover?

Because professional indemnity cover is not a legal requirement, you can get it before or after your business begins to operate.

However, it’s compulsory for some businesses to have PI cover for regulatory reasons and some companies or clients will only work with you if you have PI cover. In these cases, you might want to get your cover before your business begins operating.

How much professional indemnity insurance will I need?

It depends. The size and value of the contracts you take on makes a difference – you’ll want enough to cover your average contract value.You might find your clients request particular insurance, and cover values, in their contract with you. If so, they’ll usually specify a minimum amount.

Generally, cover starts at around £50,000 but can go up to £5 million. If you’re not sure, ask a regulatory body for specific advice.

What does professional indemnity insurance cover?

Professional indemnity insurance should cover the cost of compensating the claimant. That includes loss of earnings, future loss of earnings and the cost of repairing the damage.

You should make sure your policy covers your legal costs as well and any other damages that could be awarded to the claimant.

The types of risks your business might be exposed to include:

  • Professional negligence: If you give incorrect advice or make a mistake
  • Defamation: If you produce or support libel statements about your client
  • Confidentiality breaches: If you share sensitive information without permission
  • Breach of copyright: If you infringe on copyrights, trademarks or intellectual property
  • Lost or damaged documents: If you lose or damage documents while they’re in your care
  • Cover extends to your employees for all of the above, but the policy might specify a maximum number of employees