About Professional Indemnity Care Insurance


Specialist professional indemnity cover in just five minutes

No need to wait to get covered, simply get a quote and cover in five minutes

Direct Debit

No hidden fees or charges

Making sure you know that you will not have further costs down the line


Professional indemnity up to £5 million

Cover for any costs awarded against you


Care professional indemnity cover all in one place

Public liability, products liability and professional indemnity in one policy (check the policy wording for exclusions)

Features of Professional Indemnity Trade Insurance

Standard cover

Professional indemnity care compensation claims covered

There is no cap on how much a compensation claim can be in the UK. This means a claim could be hundreds of thousands, even millions of pounds. Your policy can protect you against claims for compensation for financial loss suffered by your customers, up to the limit of indemnity.

Protection against defence costs

As well as covering successful compensation claims against you, our policy can also cover you for the defence costs of an unsuccessful claim, including loss of earnings. If you suspect a claim is being raised, we’ve teamed up with a 24-hour helpline service which can provide instant, impartial advice.

Specialist care professional indemnity policies available

We offer policies designed for therapists, trainers, consultants and hundreds of other professions, meaning you can be confident you have the right cover. We can also source discounts for many of our customers who belong to professional organisations and industry bodies.

All-round care cover from our liability package

Professional indemnity forms a vital part of our liability package, which also includes: public liability, employers’ liability, products liability and libel and slander cover. With our package, your business is covered against a range of legal related risks.

Professional Indemnity Care Insurance FAQs


How do I know how much cover I need?


For their own liability reasons you are unlikely to find an insurance company who will advise you exactly on how much cover you need. It is essentially your responsibility to take out adequate cover although our advisors can go through your options over the phone and explain how you might want to calculate this cost. Alternatively, many industry organisations or professional bodies will likely be able to offer your some advice.


I only work from home, do I still need professional indemnity insurance?


Professionals who send out products, offer advice of some kind, or provide some services from their own home can still cause harm for which they may be liable. For this reason it’s important you don’t make an assumption that you can’t do any damage when tucked away in your own home, and speak with an advisor about your risks.


What happens if I retire or cease trading?


When you stop trading or retire we recommend you still have something called ‘run off’ cover. This means that claims raised against you for an event that happened while you were still trading are covered (a claim can be raised any time up to 3 years after the fact). When you are ready we can arrange cover for you for this.


Do I receive a discount as a member of a professional association?


Many of our customers can get a discount on their insurance simply by being a member of a professional association or industry body. What’s more, for many of these, we also offer profession specific policies too. This means you can get specific cover with great discounts! Speak to one of our advisors to find out how much you can save.


Can I pay in instalments?


If you would prefer to spread the cost of your professional indemnity trade insurance policy, you have the option of setting up a Direct Debit to pay your premium by monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 0330 018 2292 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim