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Professional Indemnity Insurance

Simply tell us what you do and we’ll source the right professional indemnity insurance for your profession.

  • 24 hour legal advice help line for all indemnity policy holders
  • Choose different levels of indemnity insurance limits
  • Special rates available for members of many professional associations

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What does professional indemnity insurance cover?

Indemnity protects against compensation claims

There is no limit in the UK as to how much a compensation claim could be. This means a serious case could be in the thousands or even millions of pounds. Professional indemnity insurance protects you by covering the cost of a claim for compensation against you. Even if a court case is unsuccessful, you can claim back the cost of defending yourself in court, and receive legal advice throughout the process.

The right level of indemnity

Depending on your profession, your turn-over and your industry, you’ll want different levels of liability and indemnity insurance. That’s why we’re flexible on the different aspects of our cover and each limit is set by you. We offer professional indemnity insurance ranging from £1 million to £10 million, interest free monthly payments and worldwide cover as required.

Get indemnity insurance instantly, just one call away

Do you need to start trading today, or tendering for a public contract? Call us today for a full requirement review and quote over the phone. Your policy can start immediately. We’ll email you the documents on the same day and send out paper copies within 24 hours.

Combine all your liability and business covers together

Professional indemnity insurance is only one part of a complete business insurance package. Depending on what you do and who you employ, you may also require public liability and employers' liability cover. Not to mention tools cover, stock insurance and many more. Speak to us today to understand the best combination of cover to keep your business fully protected.

These are just some of the key features and exclusions, full details will be found in your policy wording.

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. Even If you think a claim may be bought against you, we can provide access to legal professionals who can help you right from the beginning.

In terms of your claim, we will 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.

Professional Indemnity Insurance Articles & Guides

Liability and indemnity can be tricky to get your head around. Read our series of helpful guides to help you choose the most relevant cover for your business:

Employers Liability Guide Small

insurance guide

A Guide to Employers' Liability Insurance

Whether you have one employee or an expanding workforce, employers’ liability insurance is a vital part of your liability insurance for your business.


insurance guide

What is Liability Insurance?

There are three main types of liability insurance. Each has a slightly different focus and will protect your business from different, potentially costly, scenarios. If you've ever asked yourself "What is liability insurance?" then look no further - our guide explains what these different covers offer.

architects office discussing a negligence claim


What are the Copyright Laws in the UK?

Copyright laws are important for protecting your intellectual property. In this article, we discuss current UK copyright law, how to protect yourself from copyright infringement, and what to do if someone uses your work without permission.

Professional Indemnity Insurance FAQs

Is it essential that I take out professional indemnity insurance?

Whilst indemnity insurance is not required by law, it is a type of insurance that the vast majority of businesses could not do without. Just having a claim raised against you, regardless of whether it’s founded or even successful, can be timely and very costly. Our professional indemnity cover could not only pay out for a successful compensation claim brought against you but also, it can cover defence costs and provide legal advice even if the claim is not successful. It’s also true that many professional trade organisations and institutions require you to have indemnity insurance before becoming a member.

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 advisers 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 you 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 adviser about your risks.

I need more than just professional indemnity. Can you provide all my business insurance?

We can provide public, employers' and product liability packaged together with professional indemnity insurance easily in one package. If you require further business insurances like commercial property insurance, loss of earning, personal accident, stock cover we can provide these too.

How much liability insurance do I need?

We can advise you on the different kinds of liability insurance your business will require like whether you need employer’s liability of product liability. What we can’t tell you is the limit of the sole traders liability insurance you should take out. It’s very unique to your business and may sometimes be influenced by local councils or authorities. If you’re struggling to figure out what you need it’s worth speaking to local authorities and councils to see if they have a minimum requirement you should adhere to.

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 are eligible for 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 advisers 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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