Professional Indemnity Insurance

Protect your professional reputation and business with PI insurance.

Fast claims processing
No hidden fees
Prices from £7.08 a month*

Why do you need professional indemnity insurance?

Professional indemnity (PI) insurance protects you from financial losses with comprehensive coverage for claims of negligence brought by clients.

What’s included?

Legal fees associated with defending negligence lawsuits
Compensation awarded to clients for financial losses due to negligence
Court attendance costs

What’s not included?

Bodily injury or property damage claims
Claims arising from a breach of contract
Products Liability - goods supplied or installed by you

This content has been created for general information purposes. To ensure you have the correct level of insurance please see our full policy wording.

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Insurance built around the needs of the UK’s small businesses

Fast claims processing

If you need to make a claim, we've made it quick and easy, so you can get straight back to work knowing everything’s being taken care of.

Top-rated Customer Service team

Our friendly South Wales-based team is here to assist you every step of the way. Give us a call to speak directly with our specialists, who are ready to provide the support you need.

Everything in one place

Our easy-to-use online portal allows you to access your policy documents, manage payments, and make changes, all in one place and at your convenience.

Zero hidden fees

Update your policy at any time with complete flexibility, and enjoy the peace of mind that comes with no penalty fees, no admin charges, and no hidden costs.

Professional Indemnity Insurance FAQs

1. What does professional indemnity insurance cover?

Professional Indemnity Insurance protects you from financial losses if a client sues you for negligence or errors in your professional services. Here's what you're typically covered for:

• Legal Costs: If a client takes you to court for negligence, your professional indemnity insurance can help cover the legal fees associated with defending yourself.

• Compensation Awarded to Clients: In the event a court finds you negligent, your insurance can help cover compensation payments awarded to your client for financial losses they suffered due to your negligence.

• Disciplinary Proceedings: If your professional body brings disciplinary proceedings against you for negligence, your insurance may cover the legal costs associated with your defence.

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2. Are there any circumstances in which a claim might be denied?

We understand you might have questions about what your professional indemnity insurance covers. Whilst we strive to be there for you, there may be some situations where a claim wouldn't be covered under your specific policy.

To get the most accurate details, we recommend reviewing our Policy Summary. This document outlines everything your insurance covers and some common exclusions.

Here are a few examples of situations typically not covered by professional indemnity insurance:

• Intentional Acts: If a client sues you for intentional wrongdoing, fraud, or dishonesty, your insurance likely wouldn't cover the claim.

• Breach of Contract: If a lawsuit arises from a breach of contract on your part, it wouldn't be covered by professional indemnity insurance.

• Fines and Penalties: Fines or penalties imposed by regulatory bodies for breaches of regulations or safety standards aren't covered by professional indemnity insurance.

• Non-Insured Activities: If a claim arises from professional services you provided outside your insured profession, it wouldn't be covered.

Remember, this is not an exhaustive list. If you have any questions about a specific situation, don't hesitate to contact us! We're here to help you understand your coverage and ensure you have the right protection for your business. Reach us at 020 3808 7099.

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3. How can I adjust my coverage if my business changes?

Business changing? We can adjust your professional indemnity insurance with ease!

Our professional indemnity insurance is flexible – you can increase your coverage as your business grows without incurring any fees; you’ll only pay the additional premium for the higher coverage. Just give us a call and we'll walk you through adjusting your policy to perfectly fit your current needs. Reach us at 020 3808 7099.

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4. What support is available if I have questions about my policy?

Have questions about your policy? We're here to help!

Our friendly support team is always happy to answer any questions you might have about your professional indemnity insurance policy. Feel free to reach out to us in whichever way is most convenient for you:

• Call us: Our phone lines are open at 020 3808 7099 (9:00-18:00, Mon-Fri).

• Email us: Send your questions to our team at contact@admiralbusiness.com and we'll get back to you as soon as possible.

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5. How do I report my claim?

*£7.08 is the price for a professional indemnity policy for a single designer with £100,000 worth of cover. It is the equivalent of £85.00 per year when paying for the policy in one annual payment. Your quote will be personalised to your requirements and will reflect the risks you need to be covered against. The price is correct as of 28th April 2025.