Professional Indemnity insurance FAQs

Professional Indemnity insurance is designed to cover legal costs and expenses incurred if you are subject to litigious action resulting from advice or guidance you have provided in your professional capacity.

Read more about Professional Indemnity insurance

There is no fixed and easy answer to this, and it depends on many factors. Some professional bodies or associations require professional indemnity cover, so if you’re a member of a trade body, it’s worth checking their membership criteria.

Read more about levels of Professional Indemnity insurance

Yes. There is an excess of £500 for each and every claim under the Professional Indemnity cover.

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No. The excess does not apply in this circumstance.

Read more about excess when no claim is paid

No. Professional Indemnity insurance isn’t required by law in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands, for tradespeople.

Read more about legal requirements for Professional Indemnity insurance

If you stop working in your current professional capacity, claims for Professional Indemnity negligence can still be lodged against you for a period of time.

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If you offer designs, specifications, advice, or instructions in your line of work, you should consider getting professional indemnity insurance.

Read more about Professional Indemnity for sole traders