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Compare professional indemnity insurance

Providing advice in your professional capacity can come with risk. No matter how careful you are, sometimes things don’t go to plan. Professional indemnity insurance can give you peace of mind and financial security should something go wrong. Your clients rely on your expertise and guidance; if your actions cause them financial loss you could be personally liable to rectify the damage. That’s why we arrange professional indemnity insurance for a variety of organisations, large or small, to ensure you have the protection your business deserves.

We understand the nature of running your own business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your professional indemnity insurance simple and hassle free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

To find out more about how professional indemnity can safeguard your business, continue reading.

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    Rated 4.6/5 based on 192 Feefo reviews

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What is professional indemnity insurance?

Professional indemnity insurance is designed to protect your business in the event that a client suffers financial losses as a result of the work you do for them. Your clients rely on your professional expertise. If something went wrong causing them to lose money, you may be liable to pay them compensation. Professional indemnity insurance can offer protection against these eventualities, and give you peace of mind knowing that should something unexpected happen, you’re covered.

What does professional indemnity insurance cover?

Professional indemnity insurance is tailored for professionals who provide advice, services or handle client’s data or intellectual property. Essentially, it covers your professional liability should something go wrong with the work that you do. As careful as you may be, mistakes can be made that can have a significant financial impact on your client. Professional indemnity insurance is typically designed to offer protection against these eventualities.

Who needs professional indemnity insurance?

Professional indemnity claims could arise as a result of your business activities from providing an incorrect medical diagnosis to delivering graphic designs that don’t adhere to the brief. As such, different businesses can benefit from taking out this insurance and protecting their work.

As a general rule of thumb, any company or individual that provides advice, a professional service, or handles a client’s data and intellectual property could find themselves vulnerable to a claim.

So, whether you run your very own architecture firm, private dental practice or are an independent personal trainer, professional indemnity insurance could protect your business.

Is professional indemnity insurance compulsory?

Unlike employers’ liability insurance, professional indemnity is not mandatory for businesses under UK law. However, some regulatory bodies require professional indemnity insurance to be in place in order for you to trade in that capacity. For instance, doctors and legal professionals are legally required by their regulators to have certain levels of professional indemnity insurance in place. While you may not be legally required to have Professional Indemnity insurance in place, you may wish to consider this cover for your business if you are doing any design work, providing a service or advice, or handling intellectual property or third party data on behalf of your clients.

Professional indemnity cover to suit your business

To find out more about professional indemnity insurance, call Premierline today or arrange call back to speak to an insurance advisor who can help you compare quotes from UK leading insurers.

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"I’ve used Premierline for my work insurance for a few years now. They always find me such competitive prices. As a small business owner I really couldn’t afford the prices when I looked online myself especially after having had no work for 7 weeks when Covid-19 first hit. So it was a huge relief to find a policy I could afford and be ready for when work started to pour in."

Mrs Bridger, Cleaning Contractor, Devon (Customer since April 2017)

"I rang Premierline just to check other insurance offers, after my sky high renewal from my previous insurer. The adviser was friendly and very easy to understand and talk to and he got me a fantastic deal. Very happy.”

Mrs McCall, Pet Shop, North Shields (Customer since January 2021)

"Overall, Premierline offered a great service in securing my annual Professional Indemnity insurance. It was a very simple process and everything was explained well."

Mr Jones, Marketing Consultancy, Manchester (Customer since September 2021)