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Professional Indemnity Insurance

What is it?Why is it required?What is covered / excluded?Do I need it?
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Professional Indemnity Cover
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Why is Professional Indemnity Insurance Required?

Even if it you or your company haven't been negligent in any way, the cost of defending a court action against you by a dissatisfied client could be crippling, and result in your business going bankrupt.

Spurious, Malpractice Negligence Claims

Professional liability insurance will pay all reasonable costs incurred in the defence (i.e. legal fees) or settlement of such claims arising from any of the common issues arising.

Professional indemnity is essential cover, therefore, not only for spurious claims but more importantly, for meeting the cost of defending allegations of malpractice or negligence in court.

Legal Costs

Investing in professional liability insurance cover means that not only will your legal costs will be met, but should a claim be proven, also the cost of meeting any compensation payments, up to an agreed limit.


Most professional occupations such as accountants, architects, computer consultants, engineers, IFA's, medical professionals, doctors & nurses will recognise the value in having adequate PII cover as it provides piece of mind over occupational riscks.