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
  • We can provide indemnity cover for thousands of professions
  • Challenge us by typing in your profession below

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From electricians to hippotherapy (it's not what you think it might be) - whether your profession is straight forward or a bit off the wall, try our professional indemnity cover.

What is professional indemnity?

9.9 times out of 10, your clients are likely to be satisfied with your professional advice or service. However, for that 0.1 who claim that you’ve caused a loss of some kind as a result of your work, you’ll need professional indemnity cover.

If you do find yourself having to defend yourself against a claim, the legal expenses could be costly. In this instance you can use your professional indemnity cover to claim back legal expenses and even the money you may have to pay out if your client’s claim is upheld in court.

Towergate Professional Indemnity cover

Over our years of arranging insurance for businesses, we’ve seen it all. So no matter how niche your business is, we’ve got an indemnity policy to suit you. We’ve also teamed up with a 24 hour legal help line for all professional indemnity policy holders service to offer quick and easy support and advice should you be worried about legal action against you or your business. If you already have another form of business insurance with us, ask your advisor about adding pi insurance to your cover.

It’s the moment of truth – you need to make a claim.

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.

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:

Product liability insurance design engineer

insurance guide

A Guide to Product Liability Insurance

Do you manufacture, commission or sell products? Our simple guide explains all you need to know about Product Liability insurance, and how it could well be a vital part of your business insurance.

Employers liability hard hat construction safety

insurance guide

A Guide to Employers' Liability Insurance

Our simple guide details the main features and offers advice on getting employers' liability insurance right. Not only is this cover a legal requirement for most UK businesses with employees but it's a vital cover for protecting your business itself.

employers liability warehouse shelves

insurance guide

A Guide to Public Liability Insurance

Public liability insurance could be the most important cover you have. Not only does it pay out for claims that could otherwise topple a successful business but in many cases not having it would put customers and partners off using your services. Our simple guide looks at the main features and pitfalls.

Customers rate our service at 95%

Based on 897 independent customer reviews.

DateProductScoreCustomer Comment

Professional Liability Insurance (Renewal)


Always responded promptly to queires

Professional Liability Insurance (New Policy Holder)


Everything dealt with efficently and courteously

Professional Liability Insurance (Renewal)


Towergate have consistently provided me with my professional indemnity insurance for over 12 years. The communications and contact has been positive, however I would appreciate their consideration of providing either some form of 'no claims' discounts or some form of rewards for staying with them. As you can appreciate - having been with them for this length of time, and not having any insurance claims made, it would be advantageous for towergate and their customers to look at how they might offer a USP and provide further compelling reasons to stay with them.

On 26-Apr-2016 the supplier responded:
Hi. We are really pleased to hear that you have been our customer for over 12 years! And we’re also pleased that you have found communications and contact to be positive in this time. We really appreciate your feedback and will certainly look at ways we can reward our loyal customers like you. No-claims discounts are not something we can offer with the type of policy you have, but we will absolutely look at other opportunities to thank you for staying with us. Thank you for taking the time to give us this idea and we hope to be able to update you on some exciting new initiatives in the near future. Many thanks, Towergate Caring Professions Division.

Professional Liability Insurance (Renewal)


I had to call about my insurance, this was because you put the price up nearly £40 and I couldn't understand why. It was change when I called, I'm sorry to say I am busy and I would like the price I am going to pay on the renewal notice. Thank you

On 26-Apr-2016 the supplier responded:
Hi. Firstly, we would like to apologise for the issue you experienced on this occasion, and thank you for taking the time to let us know about it. While we do everything in our power to ensure that renewals are invited correctly, sometimes issues do occur that result in there being a mistake with the premium pulled through, which is what happened in your case. We appreciate that when you are so busy, you don’t always have time to speak to us, so it is important that your documents are correct. We are very sorry about this and will work hard to ensure this doesn’t happen again, to you or any other customer. If you would like to talk to us in more detail about this, please call us on 01438 735251. Many thanks, Towergate Caring Professions Team.

Professional Liability Insurance (Renewal)


The company enable to meet my requirement for the policy

Professional Liability Insurance (Renewal)


It is ok

Professional Liability Insurance (Renewal)


I found the person I spoke to was very helpful

Professional Liability Insurance (Renewal)


My fourth year with Towergate. They are always helpful, flexible and responsive.

Professional Liability Insurance (Renewal)


When I have made contact to make an enquiry about or renew my insurance, staff have always been polite and courteous and are able to answer any questions I may have. The phone was answered quickly which is always a benefit and I was dealt with efficiently.

Professional Liability Insurance (Renewal)


But expensive compared with other insurers........Val Hill

On 21-Apr-2016 the supplier responded:
Thank you for your feedback. It really helps us to understand more about our customers and your expectations. Our rates are set by our insurers to reflect the risk they feel is covered, which not only includes public and products liability and professional indemnity, but also libel and slander and legal expenses too, which we feel are important elements of our cover. However, we are currently looking to review the rates with our insurer to ensure we remain competitive within the market. We hope this is satisfactory to you, but if there is anything else we can help you with, please do not hesitate to speak to a member of our specialist team on 0330 123 5048. Many thanks, Towergate Caring Professions Team.

More reviews

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.

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

We sure can! 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.

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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