{"id":600,"date":"2023-08-17T08:58:49","date_gmt":"2023-08-17T08:58:49","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/what-is-professional-indemnity-insurance\/"},"modified":"2026-02-03T12:53:17","modified_gmt":"2026-02-03T12:53:17","slug":"what-is-professional-indemnity-insurance","status":"publish","type":"page","link":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/what-is-professional-indemnity-insurance\/","title":{"rendered":"What is professional indemnity insurance?"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull hero-bg has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--150);padding-bottom:var(--wp--preset--spacing--150);background-image:url(&apos;https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business-uk\/assets\/images\/faq-bg.png&apos;);background-size:cover;\">\n<h1 class=\"wp-block-heading has-text-align-center has-azure-700-color has-text-color has-link-color has-max-huge-font-size wp-elements-00c2bda46ed60172743a54174bae11d7\" id=\"h-what-is-professional-indemnity-insurance\">What is professional indemnity insurance?<\/h1>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-large-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/q\/business\/new_business\/about_your_business\/66584f379da7cc053176bee1?_gl=1%2Avulc6n%2A_ga%2AMTIzMjExNjA1My4xNzE3MDUzMTc2%2A_ga_PCBVYX06QP%2AMTcxNzA2MzIyMy4yLjEuMTcxNzA2MzQxNC40My4wLjA.\" style=\"padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--70);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--70)\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"professionalindemnityinsurancedefinition\">Professional indemnity insurance definition<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/business-insurance\/professional-indemnity-insurance\/\">Professional indemnity insurance<\/a> is an important type of <a href=\"\/business-insurance\/\" data-type=\"page\" data-id=\"5152\">business insurance<\/a>, especially for businesses that give advice or provide a professional service to clients. It can cover compensation claims if a business is sued by a client for making a mistake that leads to financial loss.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"professionalindemnityinsuranceexplained\">Professional indemnity insurance explained<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Working out exactly what professional indemnity insurance means can be a little tricky, so we&#8217;ve broken down the most frequently asked questions to help you get a handle on what it is and why you might need it.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"populartradesweinsure\">Popular trades we insure<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">At Simply Business we insure all kinds of trades like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/builders-insurance\/\">Builders insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/catering-insurance\/\">Catering insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/cleaning-insurance\/\">Cleaning insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/contractors-insurance\/\">Contractor insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/hairdressing-insurance\/\">Hairdressing insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/home-baking-insurance\/\">Home baking insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/online-retailers-insurance\/\">Online retailer insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/pub-insurance\/\">Pub insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/security-guard-insurance\/\">Public liability insurance for security guards<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/restaurant-insurance\/\">Restaurant insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/roofers-insurance\/\">Roofers insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/takeaway-insurance\/\">Takeaway insurance<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Is your profession not listed? When you <a href=\"https:\/\/quote.simplybusiness.co.uk\/business\">run a quote<\/a> you can select your trade from over 1,000 options.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"doineedprofessionalindemnityinsuranceinsurancefaqdoineedprofessionalindemnityinsurance\"><a href=\"\/business-insurance\/faq\/do-i-need-professional-indemnity-insurance\/\">Do I need professional indemnity insurance?<\/a><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The businesses that usually decide they need <a href=\"\/business-insurance\/professional-indemnity-insurance\/\">professional indemnity insurance<\/a> (sometimes called PI insurance) are those that give advice, offer a professional service, or handle client data or intellectual property. It\u2019s therefore important for many business types, from accountants to architects.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some professional bodies or regulators demand that their members or the businesses they regulate hold professional indemnity insurance. This applies to solicitors, accountants, architects, chartered surveyors, financial advisers and some healthcare professionals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Other businesses will decide to take out a policy anyway, to protect them financially and help them win contracts. After all, in many cases clients will only do business with you if you are properly protected. A good professional indemnity policy helps to provide you and your clients with peace of mind.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"isprofessionalindemnityinsurancecompulsoryinsurancefaqisprofessionalindemnityinsurancecompulsorybylaw\"><a href=\"\/business-insurance\/faq\/is-professional-indemnity-insurance-compulsory-by-law\/\">Is professional indemnity insurance compulsory?<\/a><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Professional indemnity insurance isn\u2019t mandatory under the law, but, as mentioned above, the rules of some regulators and professional bodies mean it\u2019s compulsory for some professions, such as solicitors, financial advisers, accountants and architects. It\u2019s also required by some client contracts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/business-insurance\/faq\/is-professional-indemnity-insurance-compulsory-by-law\/\">Read more<\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"whatdoesprofessionalindemnityinsurancecoverinsurancefaqwhatdoesprofessionalindemnityinsurancecover\"><a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/professional-indemnity-insurance\/#faqs\">What does professional indemnity insurance cover?<\/a><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Professional indemnity insurance can cover compensation payments and legal fees if a client makes a claim against you. The compensation payment will usually take into account the financial loss that the client has suffered.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Imagine, for example, that you are handling client data, but you or an employee copies the wrong person into an email when sending on the data. Your client sues you for breach of confidentiality. In this case, your professional indemnity insurance could pay for the cost of the compensation claim, along with legal expenses.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"howmuchdoesprofessionalindemnityinsurancecostinsurancefaqhowmuchdoesprofessionalindemnityinsurancecost\"><a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/professional-indemnity-insurance\/#how-much-does-it-cost\">How much does professional indemnity insurance cost?<\/a><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Professional indemnity insurance can be bought either as a standalone cover, or as part of a single, flexible <a href=\"\/business-insurance\/\" data-type=\"page\" data-id=\"5152\">business insurance policy<\/a>. The price of your professional indemnity insurance is based on several factors, including the type of work you do and the level of cover you choose. The quickest way to get a price is to <a href=\"https:\/\/quote.simplybusiness.co.uk\/business\">run an online quote<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"howmuchprofessionalindemnityinsurancedoineedinsurancefaqhowmuchprofessionalindemnityinsurancedoineed\"><a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/how-much-professional-indemnity-insurance-do-i-need\/\">How much professional indemnity insurance do I need?<\/a><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">At Simply Business we offer professional indemnity insurance cover levels of between \u00a350,000 and \u00a35 million. It can be difficult to decide what level of cover you need, so a good place to start is to contact your clients and ask how much cover they expect. If your regulator or professional body requires you to have insurance, make sure you know the cover level they specify.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"whatisaretroactivedateonprofessionalindemnityinsuranceinsurancefaqwhatisretroactivedateonprofessionalindemnityinsurance\"><a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/retroactive-date-insurance\/\">What is a retroactive date on professional indemnity insurance?<\/a><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The retroactive date on your professional indemnity insurance is the date from which you\u2019ve held uninterrupted professional indemnity insurance, or a date in the past from which your insurer has agreed to cover you. Anything that happened before the retroactive date isn\u2019t covered by your insurance.<\/p>\n\n\n\n<div class=\"wp-block-group has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-94e519ba wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--40)\">\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"readytosetupyourprofessionalindemnitycover\">Ready to set up your professional indemnity cover?<\/h4>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">With more than 800,000 <a href=\"\/business-insurance\/\" data-type=\"page\" data-id=\"5152\">business insurance<\/a> policies in our care, <a href=\"\/business-insurance\/professional-indemnity-insurance\/\">professional indemnity insurance<\/a> is one of our most popular covers.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/business\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div id=\"newsletter-subscribe\" class=\"wp-block-group newsletter-subscribe is-layout-flow wp-block-group-is-layout-flow wp-block-block\" style=\"border-top-color:#cccccc;border-top-width:1px;padding-top:var(--wp--preset--spacing--80);padding-right:0;padding-bottom:var(--wp--preset--spacing--80);padding-left:0\">\n<p class=\"has-text-align-center has-dark-800-color has-text-color has-link-color has-medium-font-size wp-elements-ced002c3d2e03fde51d8880b5da0f3bb wp-block-paragraph\" style=\"margin-bottom:var(--wp--preset--spacing--50)\">A free monthly newsletter with the latest news and tools for small businesses and 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M16.804,6.116c-0.596,0-1.08,0.484-1.08,1.08 s0.484,1.08,1.08,1.08c0.596,0,1.08-0.484,1.08-1.08S17.401,6.116,16.804,6.116z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Follow Simply Business on Instagram<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-tiktok  wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/@simplybusiness\" class=\"wp-block-social-link-anchor\" rel=\"noopener noreferrer\" target=\"_blank\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 32 32\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M16.708 0.027c1.745-0.027 3.48-0.011 5.213-0.027 0.105 2.041 0.839 4.12 2.333 5.563 1.491 1.479 3.6 2.156 5.652 2.385v5.369c-1.923-0.063-3.855-0.463-5.6-1.291-0.76-0.344-1.468-0.787-2.161-1.24-0.009 3.896 0.016 7.787-0.025 11.667-0.104 1.864-0.719 3.719-1.803 5.255-1.744 2.557-4.771 4.224-7.88 4.276-1.907 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