Professional Indemnity Insurance
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Professional Indemnity insurance covers you when a client claims that your work, your advice, or a mistake you made caused them a financial loss. It doesn't matter whether the claim is valid. The cost of defending yourself, even when you're completely in the right, can be significant. This cover handles those costs so you can focus on running your business rather than fighting a claim. For tech businesses, standard PI cover is often extended to include Technology Errors & Omissions, covering claims that arise specifically from software failures, system outages, or technology products that don't perform as expected. If you build, sell, or operate technology that clients depend on, you need to make sure your policy reflects that.
What This Covers
Legal defence costs when a client brings a claim against you- Compensation awarded if a claim goes against you
- Negligence allegations arising from your work or advice
- Errors, omissions, and oversights in work delivered to clients
- Breach of professional duty claims
- Intellectual property infringement arising from your work
- Loss of documents or data belonging to clients
- Technology Errors & Omissions: claims arising from software failures, system outages, or tech products that cause a client financial loss
- Failure of technology to perform as specified or contracted
What This
Does NOT Cover
Deliberate or fraudulent acts- Bodily injury or property damage
- Claims you were aware of before the policy started
- Liability assumed beyond your professional duty of care
- Criminal fines or penalties
Illustrative
Claim Example
Illustrative Example
A 30-person management consultancy delivered a market entry strategy for a client expanding into a new territory. The expansion underperformed and the client alleged the advice had been negligent, bringing a claim for £120,000. The consultancy disagreed. Their Professional Indemnity policy covered the full cost of legal defence across an eight-month dispute and a negotiated settlement of £40,000. Without cover, that would have come out of the business.
The right cover keeps your business protected when it matters.
Protect Your Business
Who
Needs This Insurance
Any business that provides advice, expertise, or professional services
Consultants, agencies, and advisors of any kind
Tech businesses whose software, platforms, or systems clients rely on
Businesses whose contracts require them to hold PI cover
Who Needs This Insurance
Ready to
get covered?
Get a quote for Professional Indemnity cover built around your business.
