Professional indemnity insurance

Specialist professional indemnity insurance tailored to you from as little as £6 a month

  • Fast, easy online quote in just 90 seconds

  • Interest free direct debit

  • No hidden fees or cancellation charges

Our specialist professional indemnity insurance has been designed to protect you against mistakes you make when providing professional services, advice or designs to your client.

Everyone strives to provide their clients with the best service possible, but if things go wrong, it pays to be properly insured. Errors cost clients money, and if they choose to pursue you for their losses, professional indemnity insurance (also known as professional liability insurance) can help. It's typically regarded as essential cover if you provide advice, designs or a professional service to your customers.

As a specialist professional indemnity insurer, we have over 25 years experience insuring consultants, contractors, freelancers and small businesses - so if a piece of work for a client doesn't go to plan, you'll have the peace of mind that you're covered by an industry expert.

What's covered by professional indemnity insurance?

Our professional indemnity insurance covers your legal costs and expenses in defending a claim, and any compensation or costs that may subsequently be awarded, following:

  • Professional negligence, such as making a mistake in a piece of work for a client, or giving them poor advice

  • Unintentional breach of confidentiality and/or copyright

  • Defamation and libel

  • Loss of documents or data

  • Loss of money or goods (for which you are responsible)

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Cover starting at just £5 a month

Frequently asked questions

  • Do I need professional indemnity insurance?

    If you provide advice, designs or any other professional service to your clients, you should give serious consideration to professional indemnity insurance. Without it, you could be liable for thousands of pounds worth of legal fees and compensation payments payable to your client if you are found to have been negligent in your services to them.

    In addition, many clients will require you to have professional indemnity insurance in place in order to begin work on a contract, or your industry association's membership requirements may stipulate that you must hold a minimum limit of cover.

  • What kind of claims does professional indemnity insurance cover against?

    Professional indemnity insurance claims can be wide-ranging, but some examples are given below:

    Management consultant - a business plan provided to a client doesn't deliver the expected results. They claim against you for their financial loss.

    IT contractor - a website, application or software provided to your client isn't fit for purpose. They claim against you for the cost of putting the mistake right.

    Fitness professionals - a client injures themselves during a session. They make a claim against you alleging that you failed to properly explain how to perform the exercise.

    Photographers - a client alleges that the photographs taken aren't suitable for use, or a memory card corrupts and you lose all the day's shots. They claim against you for the cost of re-organising the shoot.

    Teacher/tutor - a client doesn't achieve the necessary grades to pass their exams. They claim against you for the financial losses suffered.

  • I need professional indemnity insurance to secure a contract - do you provide proof of cover?

    Yes. When you purchase professional indemnity insurance with Markel, a proof of insurance document is emailed to you instantly detailing the cover you hold with us. Many of our customers arrange cover with us in order to meet the insurance requirements of clients, agencies and other parties. This document will help you show that you have the appropriate cover in place to start work.

  • I only need cover for a few months - do you offer short-term policies?

    No. All our policies last for 12 months, and there is a reason for this.

    Professional indemnity insurance is underwritten throughout the industry on what's known as a 'claims made' basis. This means that the policy must be live at the time the alleged negligence took place and also when we are notified of the claim by you.

    In effect, it means that if you cancel your professional indemnity insurance and a claim is brought against you by a client from a previous contract, you won't be covered.

    If, however, you maintain continuous cover between contracts, you will have the peace of mind that if a claim is brought against you relating to work previously carried out, you'll be covered.

  • What limit of cover should I choose?

    Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover in order for you to undertake a contract, so it's worth checking this before you . If you're unsure, or it's the first time you have arranged cover, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer professional indemnity insurance for over 200 professions and, with limits ranging from £50,000 to £5m, you are guaranteed to find the right cover for your business.

  • Why should I insure with Markel?

    Established over 25 years ago, we're experts in professional indemnity insurance and specialist in cover for contractors, consultants, freelancers and self-employed professionals.

    We're regulated by the Financial Conduct Authority and Prudential Regulation Authority, and you can view our details on the Financial Services Register. We're a division of Markel International, a Lloyd's and London market insurer that wrote gross premiums of £850m ($1.05 billion) in 2016.

    We're proud to have been named Claims Team of the Year at the Commercial Insurance Awards 2016. We know how much disruption a claim can bring to your life, which is why we aim to deal with all claims fairly and swiftly.

    Still not sure? Call us on 0800 640 6600 - one of our insurance experts will be more than happy to answer any questions you have and talk you through the insurance we offer so you can choose the right cover for your business. Alternatively, get an online quote in 90 seconds now and call us later if anything needs clarifying.

Cover starting at just £5 a month

Cover starting at just £5 a month

More specialist cover

  • Public liability insurance

    Public and product liability insurance covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products. The legal fees alone could cost your business thousands of pounds. If you regularly visit client premises as part of your consulting activities, you may need this cover. Limits range from £1m to £5m.

  • Employer's liability insurance

    Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment. If you employ staff, even on a part time basis, you almost certainly need this cover. Cover for £10m.

  • Directors and officers insurance

    Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £25,000 to £5m.

  • Office insurance

    Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property

  • Occupational personal accident

    Occupational personal accident insurance can help you maintain an income if you're accidentally injured at work.

  • Legal representation and employment disputes insurance

    Legal representation and employment disputes insurance pays your legal and representation costs together with any award you are required to pay following an employment dispute, and also pays costs and expenses for certain crisis management, identity fraud, official investigation (excluding HM Revenue and Customs), corporate manslaughter, pollution and data protection issues.

  • Cyber and data risks insurance

    Cyber and data risks insurance helps you when you're the victim of a targeted cyber attack, paying the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit. It also pays your legal defence costs and damages you are legally liable to pay to other parties.

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