Professional Indemnity Insurance

What is P.I. Insurance and who needs it?

If your client threatens or takes legal action against you for a mistake you have made when giving advice or designs to them, this policy will cover your legal costs as well as any compensation payments you may have to make.

Without this cover in place, you would have to defend yourself against any allegations made, using your own resources. This is why it is so important to have P.I. Insurance cover in any business where advice or designs are given.

You should consider this type of insurance if:

  • You provide advice, designs or professional services to your clients, whether you get paid for those services or not.
  • You are required to have P.I. Cover in place because you are part of a professional body that requires this cover to enable you to belong to that body.
  • You enter into a contract where P.I. Cover is required by the other party

What sort of business needs P.I. protection?

  • Business and management consultants
  • IT contractors and consultants
  • Technical and engineering contractors and architects
  • Creative and marketing professionals, including web designers, graphic designers, fashion stylists and designers, P.R. agencies, marketing consultants and photographers/videographers
  • Design engineers
  • Teachers, tutors, instructors and trainers
  • Accountants, surveyors, architects and more

Without this cover, you could be liable for large costs and compensation payments if you are found to have been negligent.

What is covered

under a P.I. Policy?

A 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

such as sharing sensitive client information without permission

Unintentional breach of copyright

such as using an image on your website without permission

Defamation and libel

such as making false comments about a competitor or client that damage their reputation

Loss of documents or data

Loss of money or goods

(for which you are responsible)

Let's have a chat

Why use BNF Insurance?

We offer an individual service for clients who are unsure of what sort of cover they might need. As well as providing competitive prices based your own individual circumstances, sometimes we can roll the P.I cover into other policies you may need, thus reducing your overall costings for insurance.
And also, if you give advice to clients that are not in the UK, you'll need a bespoke service in order to ensure you get the right the cover.

It's the unusual or unfamiliar that we specialise in.

So when you want an independent insurance broker that really cares about all of its clients, call now on 0808 178 3155
or complete the contact form below and we will come straight back to you.

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Would you like to know more?

If you have any questions to ask us about this, or any of our other insurances, we'd be delighted to help. Please don't hesitate to either give us a call on 0808 178 3155 or contact us via our contact page