What is professional indemnity insurance?
Why most clients expect to see it before you start work.
Professional Services Insurance
Professional Services Insurance
Professional indemnity, public liability and employers’ liability cover built for consultants and professional service providers of every kind.
Professional indemnity, public liability and employers’ liability cover built for consultants and professional service providers of every kind.
What kind of professional service do you offer?
Advice & work errorsCyber coverClient visits
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How can we help?
How can we help?
I know my profession
Find insurance built around your specific type of work.
I know the cover I need
Explore common types of business cover, including professional indemnity.
I’m not sure what I need
Tell us about your business and we’ll recommend the right cover.
Find insurance for your profession
Find insurance for your profession
Choose your profession below, or search above for something more specific.
Choose your profession below, or search above for something more specific.
Consulting & Advice
Finance & Numbers
Design & Creative
Which cover does your business need?
Which cover does your business need?
Only employers’ liability is a legal requirement. Professional indemnity is the cover most professional service providers build their policy around.
Only employers’ liability is a legal requirement. Professional indemnity is the cover most professional service providers build their policy around.
| Type of insurance | Legally required? | Who needs it? |
|---|---|---|
Yes, if you employ staff | Required once you take on any staff, even casual help | |
Not legally required | Strongly recommended if clients visit your premises | |
Sometimes, for certain regulated professions | Required by some professional bodies, and expected by most clients | |
Directors & officers insurance | No | Worth considering for limited company directors |
No | Covers your office equipment and premises | |
No | Covers legal costs for contract and client disputes | |
No | Helps cover lost income if an insured event stops you trading | |
No | Recommended if you hold client or customer data |
Top Tip
Most professional service providers build their policy from professional indemnity and public liability, then add cyber cover the moment they hold client data.
Core cover for professional services
Core cover for professional services
Most professional service providers build their policy from these six covers.
Most professional service providers build their policy from these six covers.
Professional Indemnity
Covers claims that your advice or work caused a client a financial loss.
Public Liability
Covers claims if a client or visitor is injured or their property is damaged.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Cyber Insurance
Covers costs following a data breach or cyber incident.
Business Contents
Protects your office, equipment and premises.
Legal Expenses
Covers legal costs for contract and client disputes.
One consultant or a growing practice?
One consultant or a growing practice?
What you need changes as you grow. A sole consultant needs different cover to a practice with staff, higher fee income and larger client contracts.
What you need changes as you grow. A sole consultant needs different cover to a practice with staff, higher fee income and larger client contracts.
Starting Out
Just gone freelance? Professional indemnity is the essential first cover.
Sole Practitioner
Taken on your first client contract? Time to check your cover limits.
Growing Practice
Adding employees or associates? Employers’ liability becomes a legal requirement.
Established Firm
Managing a team or multiple offices? Talk to an adviser about combined cover.
What can affect the cost of professional services insurance?
There’s no fixed price. It depends on your profession, level of cover, turnover and claims history.
Type of profession
A management consultant and an architect face very different risks, and are priced accordingly.
Level of professional indemnity cover
Higher limits mean a higher premium.
Annual turnover
Higher turnover generally means a higher premium.
Number of staff
More employees increase your employers’ liability exposure.
Level of excess
A higher voluntary excess usually lowers your premium.
Claims history
A clean claims record helps keep premiums down at renewal.
What are you looking to protect?
What are you looking to protect?
Choose a category to explore insurance products tailored to your business needs.
Choose a category to explore insurance products tailored to your business needs.
What could help:Public Liability
Learn more
Professional services insurance without the guesswork
We help consultants and professional service providers find the right combination of cover, not just the cheapest single policy.
The right cover depends on your profession, whether you have staff, and the clients you work with.
Specialist professional indemnity insurersAccess to 20+ UK insurersExperienced UK-based advisersCover tailored to your specific professionSupport with complex or high-limit coverHuman support when you claimHow to get professional services insurance
How to get professional services insurance
Getting professional services insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting professional services insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your work
What you do, and who your clients are.
2
Choose your covers
Professional indemnity, public liability and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Professional services insurance guides
Professional services insurance guides
Indemnity limits, client contract requirements and run-off cover.
Indemnity limits, client contract requirements and run-off cover.
Professional services insurance FAQs
Professional services insurance FAQs
Straight answers on cover, professional indemnity and what different professions need.
Straight answers on cover, professional indemnity and what different professions need.
Professional services insurance is a combination of covers built for consultants and professional service providers: professional indemnity for advice or work that causes a client a financial loss, public liability for injury or damage, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.