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Professional indemnity insurance

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Do you give advice or provide a service?

If you give professional advice or provide professional services you should have professional indemnity insurance. It protects you against claims for the provision of incorrect advice, or failing in your professional duty.

Professional Indemnity Insurance features

Professional indemnity insurance, (also known as professional liability, or perhaps errors and omissions cover), covers you for claims arising from your professional work. It is important to know that this type of insurance is arranged on a ‘claims made’ basis.  This means you need to have a policy in force when the claim is made against you.  As the law allows a period of up to 6 years following discovery of property damage, claims can arise many years after you have completed a contract, so it is important to arrange and continue with, the right level of cover.

For individuals wishing to retire we can arrange run off cover to keep you protected. 

Do I need professional indemnity insurance?

If you offer advice or other professional services, as part of your business, whether you work for a company, or are self employed, you should consider this insurance. There are some professions where you are required to have cover. Some examples are: 

  • Accountants
  • Architects
  • Financial advisors
  • Solicitors
  • Chartered surveyors
  • IT Consultants
  • Business consultants
  • Journalists
  • Insurance brokers
  • Some healthcare professionals


Cover at a glance

Negligence This can arise from faulty design, specifying the incorrect product.

Intellectual property You use copyrighted information by mistake.

Libel and slander

Document or data loss Simply could arise by sending emails to the wrong person.

Dishonesty of employees


Why use a broker?

At J Bennett & Son we tailor the policy to suit you and your needs because every business is different.  Cover levels are a factor in the premium and to ensure you get the best value we will always try to arrange a policy on a “costs exclusive” basis, which mean that insurers costs in defending a claim will not be taken out the indemnity limit.

You will have your own dedicated account manager, who will make it easy for you to switch from your existing insurer. We offer you flexible payment options, bespoke insurance solutions, specialist knowledge and impartial advice.

If a claim has to be made, we work with you, the insurer and the loss adjusters to get it settled as quickly and as satisfactorily as possible, removing the hassle and worry you may have. It’s why so many of our existing customers have been with us for over a decade.

We’ve been providing insurance that is built around you. For a personal approach to insurance and a chat about your needs, call us on 01494 450 450 or apply for a Quick Quote today.


You might also be interested in:


You can also see the Association of Business Insurers for a guide to protecting your business


Download our helpful fact sheet on Professional Indemnity Insurance simply explained.

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