If you provide advice, designs or a service to your clients, you should give serious consideration to professional indemnity insurance.
Professional indemnity insurance, often referred to as professional liability insurance or PI insurance, covers legal costs and expenses incurred in your defence, as well as any damages or costs that may be awarded, if you are alleged to have provided inadequate advice, services or designs to a client.
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Professional negligence (i.e. making a mistake in a piece of work for a client)
Unintentional breach of copyright and/or confidentiality
Defamation and libel
Loss of goods or money (your own or for which you are responsible)
Loss of documents or data
What trades do we cover?
Professions that may need PI cover include
Architects and Surveyors
Marketing and media professionals
Professional indemnity insurance provides cover for:
legal costs and expenses in defending the claim
compensation payable to your client to rectify the mistake
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