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Professional Indemnity Insurance

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We work with leading insurers to deliver you results.

Intro

The range of business activities that require professional indemnity insurance can be quite large, with so many professions having unique risks involved in the day to do running of their business. If you provide consultancy or handle people’s information, a mistake can have potentially financially damaging implications for you and your clients. For this reason, many professional bodies will require you to have Professional Indemnity Insurance. If you are carrying out a large job for a client, they may insist you have it. 

At Full Time Cover you are dealing with a team of experts who take time to understand your business, offering trusted advice with respected insurers. You have one point of contact throughout your journey, with a direct email and phone access. This makes any adjustments, questions, or claims as stress-free as possible. 

20% of ALL Profits go to These Charities

Professions we can cover, including, but not exclusively

  • Architects
  • Accountants
  • Estate Agents
  • IT Consultants
  • Solicitors
  • Fitness Trainers
  • Surveyors (RICS)
  • Recruitment Consultants
  • Quantity Surveyors
  • Wedding Planners 
  • Will Writers

Key Features

  • Stock & Contents Insurance
  • Personal Accident Cover
  • Product liability Insurance
  • Treatments Liability Cover
  • Buildings Insurance
  • Public Liability Insurance 
  • Employers Liability Insurance
  • Business Interruption Insurance

What are the types of cover?

When you take out Professional Indemnity Insurance you need to consider the sort of risks you may face as a business. Even if you have done nothing wrong, the legal costs of defending yourself against claims can invariably be very high, not to mention stressful in finding solicitors. For example, An Architect for example can make a mistake on their submitted plans, the client may allege that this resulted in a huge financial cost to them. Having an expert in your corner from the outset can be key to working out the true cost and defending your business. A web developer could create a new website for a client with errors leading to lost business. Having a dedicated claims team can often lead to a potential claim being settled for far less, or even dismissed entirely.

PI insurance pays your legal costs, as well as compensation payments if your client takes action against you. For many businesses large or small, it is required as essential; without it, you will be forced to cover costs yourself.

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    FAQs

    Often, beyond just needing turnover, we need to get an understanding of your business by asking the 3 largest contracts you currently have. This will give us an understanding of the size of your business and the potential exposure you may have. This will help determine the level of cover needed.

    A lot is determined by what business you have and likely exposure. In some cases, the regulatory body offer guidelines. Your policy amount should be enough to cover the cost of defending and or settling any potential claims against you.

    Business Insurance is considered an allowable expense when calculating your allowable expenses, so yes, it is tax-deductible.

    A basic distinction would be to say that PI insurance covers the financial cost of a professional mistake or negligence whereas PL insurance covers your business if a member of the public gets injured as a result of your business activities.

    The retroactive date refers to the date that you have held cover continuously. It marks the beginning of the period your business is covered for. Any claims before your retroactive date won’t be covered by your policy.

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    0207 923 4191
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    8 Devonshire Square,
    London,
    EC2M 4PL

    0207 923 4191
    enquiries@fulltimecover.com

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