Professional indemnity insurance for advice-led businesses.

Protect your reputation, your clients, and your business

Insurance Solutions for Professional Indemnity.

When your expertise is your product, a single mistake can become an expensive claim. Professional Indemnity Insurance protects you against allegations of errors or omissions — helping you defend your reputation and keep trading with confidence.

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What Is Professional Indemnity Insurance?

Professional Indemnity (PI) Insurance protects professionals and businesses that provide advice, designs, or services from claims made by clients who allege financial loss due to mistakes or poor advice.

It covers your legal defence, compensation payments, and investigation costs — ensuring a single error doesn’t threaten your business.

Typical areas of protection include:

  • Negligence or error

    Professional indemnity insurance protects your business if your advice, service, or design causes a client financial loss. It covers legal costs and damages from claims of negligence, errors, or omissions. This insurance helps safeguard your reputation, ensures business continuity, and shows clients your commitment to professional standards.

  • Breach of duty or contract

    This coverage protects your business from financial losses, legal claims, or damages due to unmet contractual obligations or professional standards. It reduces risks from errors, omissions, or breaches, helping maintain credibility, client trust, and business continuity.

  • Defamation or misstatement

    Protection against unintended slander or libel claims is vital in liability coverage. Slander is spoken falsehoods harming reputation; libel is written defamatory statements. Such claims can be costly and damage reputations. Insurance covering these risks helps pay legal fees and settlements, crucial for professionals like journalists, PR firms, and business owners. This protection reduces financial risk and supports confident communication.

  • Intellectual property infringement

    This insurance covers legal costs, damages, and settlements from unintentional copyright infringement. It protects businesses and individuals who create or use content, reducing financial risks from accidental IP violations. With this coverage, you can work confidently, knowing you’re protected against unexpected legal issues.

  • Loss of documents or data

    Covers costs to recover or restore client data lost or damaged due to cyberattacks, system failures, or accidental deletion. Includes expenses for data recovery, IT consultants, and needed software or hardware, protecting businesses from financial loss and operational disruption.

  • Legal defence costs

    Covers legal representation and settlement negotiations regardless of fault, ensuring access to professional legal support without any out-of-pocket costs. This means policyholders can rely on expert legal assistance throughout the entire claims process, from the initial dispute to the final resolution, without worrying about additional expenses or financial burdens.

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Guides
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What Is Professional Indemnity Insurance

Professional Indemnity insurance protects businesses and professionals against claims arising from errors, omissions, or breaches of duty. Understand coverage limits, claims-made policies, and essential considerations for securing the right protection.

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Who Needs Professional Indemnity Insurance?

Professional Indemnity Insurance is essential for anyone offering advice, expertise, or professional services. Many clients and regulators make it a contractual requirement.

Consultants and management advisers

Provide strategic or operational advice where clients depend on your guidance; even a small oversight or misjudged recommendation can lead to financial loss claims.

Architects, engineers, and surveyors

Deliver designs, calculations, and reports that influence costly construction decisions; any error or omission could result in expensive rectification or liability disputes.

Accountants and financial advisers

Handle sensitive financial data, projections, and tax guidance where mistakes or misinterpretations can trigger direct monetary loss or compliance penalties for clients.

Marketing, PR, and design agencies

Create campaigns, materials, and strategies that shape public image; errors, delays, or copyright breaches can cause reputational damage and client loss.

IT and software developers

Build systems and applications that clients depend on for daily operations; coding errors, data loss, or integration issues can lead to significant downtime or loss of revenue.

Legal and compliance professionals

Advise on regulations, contracts, or governance frameworks; a misinterpreted clause or missed deadline can expose clients to costly legal or regulatory action.

Healthcare and clinical consultants

Provide assessments, training, or advisory services that influence patient care or practice standards; errors in advice can have both financial and reputational consequences.

“When we faced a complex trustee liability claim, Talbot Jones didn't just handle the insurance side - they understood the governance implications and worked with our charity lawyers to achieve the best outcome. Their sector knowledge proved invaluable.”

Chair of Trustees, National Health Charity

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