Professional Indemnity Insurance

Our professional indemnity cover comes as part of a business liability package which can be set up for you by our specialist insurance team.

  • Specialist policies and discounts available for hundreds of professionals
  • 24 legal advice number for all policy holders
  • Set your own levels and benefit from a suite of other liability covers as part of the same policy

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01438 735 251
01438 735 251

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Our service can account for the risks of your profession. Here are just some of the features you can trust in*:

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.

Protects against defence costs too

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 helpline service which can provide instant impartial advice.

Specialist 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. And what’s more we can source discounts for many of our customers who belong to professional organisations and industry bodies.

All-round 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, you can be sure that your business is covered against a multitude of legal related risks.

Professional Indemnity Insurance Claims

Unless you’re a lawyer, the world of liability and compensation can be daunting, especially if a claim is being raised against you. The team of legal advisors we work with can help you right from the beginning, even before an official claim has even been made.

In terms of the claim itself, we can talk you through the steps you need to take to prepare and how to further protect yourself. This won’t prejudice your claim either and you won’t need to fill out any paper work until you are ready to make a claim.

Just advice and support as you need it.

Need to make a claim?

To discuss your insurance requirements, or to make a claim on your existing policy please call us on:

0344 346 3307

Professional Indemnity 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 policy you have the option of setting up a Direct Debit to pay your premium in equal 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.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

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