Protection if a client takes legal action for alleged poor
service or advice

Do I need Professional Indemnity Insurance for my business?

For some professions, it’s compulsory to have Professional Indemnity Insurance in place. However, many other businesses aren’t required to have it but still choose to take out the cover to protect themselves. They do so in case of any compensation claims, because covering the cost of claims can be financially exhausting.

That’s where Professional Indemnity Insurance steps in.

If you need to defend your business against claims for compensation – whether they’re founded or not – Professional Indemnity Insurance helps to ease the financial burden. Claims can arise from instances where you offer wrong advice, you make a mistake in designs or plans, or you accidentally disclose client information. Even if you’re meticulous in what you do, it’s better to be safe than sorry. Mistakes can and do happen.

Professional Indemnity Insurance can only be added to your policy if you purchase either Public Liability Insurance or Buildings and Contents Insurance. Professional Indemnity Insurance isn't available to professions that must have compulsory or regulated policy cover. Please note, you will need to consider if Professional Indemnity cover is suitable for yours and your businesses needs and check the full details.

Why choose Aviva for your Professional Indemnity Insurance?

Up to £2 million cover

Compensation and legal fees can be expensive. That’s why we offer up to £2 million Professional Indemnity Insurance.

24/7 legal and tax helpline included at no extra cost

We’re on hand to help you through every step of the process with confidential support available around the clock.

Simple claims

Need to make a claim? With Aviva it’s quick, easy, and straightforward – and all dealt with by our UK claims centre. That’s another load off your mind.

What’s included

  • Cover for compensation and legal costs for defending a claim – up to £2 million
  • Insurance for any costs you have during the process of defending the claim
  • Protection for your business if it’s part of a liable joint venture
  • Cover for the cost of recovering lost or damaged documents or data
  • Cover for any new businesses that you acquire during your period of insurance, provided that the annual fee income for the new business doesn’t exceed £50,000
  • Financial protection from when you first bought a Professional Indemnity Insurance policy

What’s not included

  • Claims and circumstances that give rise to claims known to you at the beginning of cover
  • Insolvency or bankruptcy
  • Claims caused by computer viruses

For more information about our covers and exclusions please read the summary of cover documents

Get a quote for Professional Indemnity Insurance

Get your Professional Indemnity Insurance online if your business has 1-9 employees, and your annual gross fees are less than £250,000. 

It's only available with Public Liability Insurance, or Buildings and Contents Insurance.

This cover isn't available to professions required to have compulsory or regulatory policy cover.

Get quote & buy Retrieve a saved quote

Over 9 employees, or gross annual fees over £250,000? Buy through a broker

Find out more about our Business Insurance covers

Whether your core cover is Buildings and Contents Insurance or Public Liability Insurance, you can get more protection with these options.

Got a question?

We answer some of the most frequently asked questions about Professional Indemnity Insurance.

Is Professional Indemnity Insurance mandatory?

How much cover do you provide?

What if I bought my Professional Indemnity Insurance from a broker?

What if someone claims against me after my policy has ended?

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