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Professional Indemnity
Professional Indemnity Insurance covers errors or omissions that are made when providing advice or services, as well as covering legal costs and expenses incurred in your defence.
Traditionally, this cover was always required by accountants, solicitors, surveyors and financial advisers for the advice that they provide.
However, today this cover is essential for a wider range of trades for the certification of work they do, including electricians, gas engineers or those involved in design and construction.
Careful attention is required for this cover to ensure a suitable indemnity limit is selected and that the ‘claims made basis of settlement’ is explained. For example, a claim for financial loss made today for incorrect advice given five years ago would be covered by the insurer on cover today.
This means that even if you cease trading, you may well still need insurance for your previous work.
With the ever increasing amount of litigation, it’s vital that this cover is in place, and that you have the right amount.
Our preferred partners offer specialist advice on how to go about this and weigh up what can be most effective to protect you – get in touch with us to find out more.

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