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Professional indemnity (PI) insurance  covers the cost of defending your  business against allegations of professional negligence (such as giving your client incorrect or wrongful advice, or providing sub-standard services) and if unsuccessful, the cost of damages awarded against you. Cover is available with limits ranging from £50,000 to £5m.

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. This is an important cover for consultants that regularly deal with clients or members of the public. Limits range from £1m to £5m.

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.

Directors and officers insurance can cover you, as a director or an officer of your company, against claims of negligence or wrongful working practices – and any damages awarded against you as a consequence.

Legal cost cover extends to additional claims such as disqualification as a director or extradition proceedings, as well as general investigations.

Limits range from £100,000 to £5 million.

Protect your business against theft or accidental damage with office insurance. If you travel frequently for client work, this insurance also offers optional worldwide cover for business equipment, such as mobile phones and laptops. Our cover also give you the option to insure against any resulting loss of income or additional trading expenses that arise as a result of damage or theft.

Occupational personal accident insurance provides a weekly payment if you are unable to work due to temporary total disablement (subject to a 14-day deferment period) due to an accident at work, or when travelling to and from work. In the event of loss of limbs, sight, speech, hearing, permanent total disablement or death, a lump sum would be paid out. You should consider this cover if you would struggle to maintain an income following an accident that left you unable to work. Limits from £100/week to £500/week for temporary total disablement (£25k lump sum to £100k lump sum for permanent total disablement).

Commercial legal expenses 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 for the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.

Cyber insurance pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit following a cyber-attack. It also pays your legal defence costs and damages you are legally liable to pay to other parties. If you hold confidential information about your clients and their projects on computers and other internet connected devices, you should consider to this cover.