Professional Indemnity Insurance


Professional Indemnity Insurance from leading UK Insurers

Instant quotes are available for Professional Indemnity Insurance, and cover is available immediately for over 200 professions most places in Europe.

All companies giving advice to their clients need to consider Professional Indemnity Insurance (PII) to protect their business in the event of a claim.

For the traditional professions such as architects, surveyors, solicitors, accountants, independent financial advisers, insurance brokers, stock brokers etc., PI insurance is compulsory.

In recent years however, there has been a steady increase in other professions requiring PI insurance covers such as IT and computer related business, telecommunications, claims managers, management consultants, recruitment consultants, marketing consultants, estate agents, energy assessors, expert witnesses, graphic designers and many more.


We are not a registered broker or insurance company operating in Jersey, but are passported by the FSA to conduct business in most places around Europe.

Any policy we issue online to a Jersey business or client that needs Professional Indemnity Insurance should be aware that these policies are issued from the UK but will include wording to illustrate coverage i.e worldwide or specifically endorsed to mention Jersey, Guernsey, Channel Islands where appropriate. 

Cover details for Professional Indemnity Insurance policies

  • Professional Indemnity Insurance policies cover the following areas :
  • Libel and slander
  • Negligence – breach of duty of care
  • Loss of data documents
  • Malicious false hood
  • Breach of confidentiality
  • Dishonesty
  • Unintentional infringement of intellectual property, copyright or trademark
    Errors and Omissions

How does a Professional Indemnity Insurance policy work?

The PI Insurance policy reacts to defend you from a claim made against you by your client, for example, if the client was unhappy with your advice, which they consider had caused them a loss, they may well appoint a solicitor to request a payment back from you for those losses. Your insurer would appoint a claims handler or a solicitor directly to defend your position in these matters, after all you may not be to blame for that client’s losses at all.

It is of critical importance that you maintain continuous PI insurance if this is a coverage you need, as the indemnity is on a ‘claims made’ basis and any gaps in time could result in an exposure.

How much Professional Indemnity cover will my business need?

The amount of cover your business needs depends entirely on the type of services it provides, so there is no general rule of thumb for how much cover your business will need. You know your business best and the sort of exposure it faces

When deciding on the amount of professional indemnity cover to have you should consider the value of the work you are doing for your clients and the potential impact on them should it go wrong. Other than that, it’s advisable to buy as much cover as you can afford

Sometimes your client will set a minimum limit of the indemnity they require before you can work with them. This can depend on the specific nature of the services you’ve been contracted to provide, or they could have a set limit for all their service providers.

It is also worth considering taking retroactive cover for work that you’ve already completed before the policy commences. This means that your professional indemnity insurance policy will cover you for any claims arising out of work you completed in the past. You will be given the option of taking out retroactive cover when you get your professional indemnity insurance quote.

We are able to offer indemnity cover from €130,000 to €2,600,000. To obtain an instant online quote click on the Get a Quote button or select your profession from the list and click on Go.

Examples of PI Insurance Claims

A design consultant provided designs for tools to be used in manufacturing process. It was alleged that the designers were inaccurate.
An auctioneer sold property at auction over a number of years. It was alleged that the property was stolen and a claim was brought for conversion.


Why Choose Us?

Free Friendly Advice
25 Years PI Experience
Choice of Policies
No Call Centres
Excellent Claims Handling
Worldwide Cover
Live Link to Brokers
Renewals Welcome