Our care professional indemnity and liability product comes as part of a complete business liability package.
Overall service rating 4.6 / 5
Based on 4647 customer reviews
No need to wait to get covered, simply get a quote and cover in five minutes.
Making sure you know that you will not have further costs down the line.
Cover for any costs awarded against you.
Public liability, products liability and professional indemnity in one policy (check the policy wording for exclusions).
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.
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.
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.
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.
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
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.
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.
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.
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.
If you prefer to spread the cost of your annual premium, we offer a quick and easy direct debit scheme. When you choose to pay premiums in instalments, you will be paying under a Premium Finance plan.
We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments and the cost of each, as well as the representative APR.
24/07/2024
The risk of cyber crime is increasing, and care and medical organisations are no exception. Find out how to protect your business against this threat.
Read more25/03/2024
Read our top tips for renewing your business insurance.
Read more05/08/2024
When your company is thriving, you may consider scaling up. This article looks at key considerations to take into account when scaling up your business.
Read more30/04/2024
Get the best business insurance. Our checklist will help you understand what makes the best business insurance and what you can do to be best protected.
Read more01/03/2024
Making Tax Digital (MTD) will affect all businesses and is a key element of the government’s plans to make it easier for businesses and individuals.
Read more18/04/2023
The UK social care insurance market has been restricted for many years, with underwriters concerned at the volume and cost of claims being reported across the sector. The COVID19 pandemic has not improved insurer’s attitude towards the attractiveness of either health or social care risks, meaning further restrictions being placed within the market.
As a result, it is vital that care organisations present themselves in the best possible light to ensure that they are able to obtain quotations from the limited number of insurers available, at the most competitive price.
Read more