Professional Risk Insurance that fits the way you work
If your advice, decisions or services have a direct impact on your clients, even a single issue can lead to disputes, financial loss or legal action. Professional risk insurance helps protect your business, your clients and your reputation when things do not go to plan.
As an independent broker, we compare policies from a range of insurers and help you select cover that reflects how you work and the risks your business faces.
Who this suits
Professional risk insurance suits people and firms such as:
Accountants, surveyors, architects and financial professionals
Information technology (IT), digital, creative and technical service providers
Directors, officers and other decision-makers in companies
Businesses that handle sensitive data or run digital systems
Anyone giving advice or consultancy services
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Clients rely on your judgement and your work. Professional risk cover helps protect you if something goes wrong.
What your policy can include
Every profession is different, so we work with several insurers to shape cover around what you do, the services you provide, and the clients and contracts you work with. Exact features vary by insurer. We’ll explain what applies to your policy and highlight any key terms and conditions.
Core protection
Your professional risk cover can include:
Professional indemnity insurance
Cover for financial loss caused by incorrect advice or work
Cover for financial loss caused by incorrect advice or work
Professional Negligence
Cover if you fail to advise or take action resulting in a loss for your client
Cover if you fail to advise or take action resulting in a loss for your client
Breach of duty of care
Cover for financial losses due to a claim that you failed to provide due care and attention in your professional role.
Cover for financial losses due to a claim that you failed to provide due care and attention in your professional role.
Defamation, libel or slander
Cover for costs and expenses from a claim that your you, your employees or business has caused reputational damage.
Cover for costs and expenses from a claim that your you, your employees or business has caused reputational damage.
Loss of documents or data
Cover if you lose physical files or digital data you are responsible for.
Cover if you lose physical files or digital data you are responsible for.
Intellectual property disputes (where offered)
Cover for costs and expenses relating to copyright disputes or other intellectual property rights.
Cover for costs and expenses relating to copyright disputes or other intellectual property rights.
Cover for past work
Cover for claims that arise from work you did in the past, if the policy allows for this.
Cover for claims that arise from work you did in the past, if the policy allows for this.
Vicarious liability
Cover for claims arising from the actions or omissions of your employees while carrying out their work on behalf of your business.
Cover for claims arising from the actions or omissions of your employees while carrying out their work on behalf of your business.
Legal defence costs
Cover for legal defence costs and associated expenses when defending a claim that is insured under the policy.
Cover for legal defence costs and associated expenses when defending a claim that is insured under the policy.
Optional Extras
Cyber and data protection cover
Many professional businesses rely on digital systems and handle sensitive client data. Cyber cover can be arranged alongside professional risk insurance to help manage technology and data-related risks.
Many professional businesses rely on digital systems and handle sensitive client data. Cyber cover can be arranged alongside professional risk insurance to help manage technology and data-related risks.
Directors’ and officers’ insurance
This cover is designed to protect directors, partners and senior managers against claims made against them personally in connection with their management decisions.
This cover is designed to protect directors, partners and senior managers against claims made against them personally in connection with their management decisions.
How we help
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Step 1 of 4
You tell us about your work. You tell us your work, your clients and the areas of risk you want to address
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Step 2 of 4
We compare insurers. We approach suitable insurers and gather policies designed for your profession.
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Step 3 of 4
You review your options. We explain what each policy covers and any important exclusions.
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Step 4 of 4
We arrange your cover. When you feel happy with your choice, we set up your policy and send your documents.
We are here at renewal and if you ever need help with a claim. Cover always depends on underwriting. Every policy has terms, conditions and exclusions, and we will explain these clearly.
Why use a broker for Professional Risk Insurance?
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We work for you, not for the insurers.
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We are here to help when something goes wrong.
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Help matching cover to your services, clients and contracts
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Support where professional indemnity, cyber and D&O overlap