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A business may require professional indemnity insurance if:

  • It gives advice to clients
  • It provides a professional service
  • It handles confidential information
  • It uses copyrighted material or intellectual property belonging to others
  • You belong to a professional body where PI insurance is compulsory
  • A client insists your business has it before they offer you work.

Paying to correct a mistake you’ve made or defending yourself when the quality of your work is questioned could put your business out of business.

The primary reason for professional liability coverage is that a typical general liability insurance policy will only respond to a bodily injury, property damage, personal injury or advertising injury claim. Other forms of insurance cover employers, public and product liability. But various professional services and products can give rise to legal claims without causing any of the specific types of harm covered by such policies. Common claims that professional liability insurance covers are negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice. For example, if a software product fails to perform properly, it may not cause physical, personal, or advertising damages, therefore the general liability policy would not be triggered; it may, however, directly cause financial losses which could potentially be attributed to the software developer’s misrepresentation of the product capabilities.

If you are in the business of selling your knowledge or skills, you may want to consider taking out professional indemnity (PI) insurance.


PI insurance protects your business against claims for loss or damage made by a client or third party if you make mistakes or are found to have been negligent in some or all of the services you provided. PI insurance will also cover legal costs.

Ensure you are properly covered

One important aspect to bear in mind when considering PI insurance is that cover is usually on a claims-made basis. This means that the policy will only cover claims that are made while the policy is ‘live’.

So, if you plan to cancel your policy when you close your business or retire, you may need to arrange ‘run-off’ cover for a period of time afterwards.

Also, if you plan to change insurers, you will either need to arrange run-off cover or get agreement from your new insurer to accept new claims for previous incidents.

As this is a specialist area of insurance you should take advice from a suitably experienced insurance broker.

At BRS we have a team of expert brokers who create the bespoke insurance solutions. We work closely with you from the outset to fully understand your business, examining your business type, claims history and risk profile to ensure that we understand your key objectives and requirements. Where appropriate we can analyse your claims history to allow us to properly consider different policy deductible options.

By working in this way we are able to design the policy coverage to your exact requirements. This means that premium is not wasted on extensions which add little or no value to you.

Being recognised as experts in this field, we have established close relationships with a number of insurance underwriters who recognise the skills of our brokers and the effectiveness of our approach. This, in turn, enables us to deliver the best solution to you.

We also have authority to underwrite on behalf of certain underwriters at Lloyd’s Professional indemnity insurance, thus enabling us to offer cover not only to the large multinational firm but also to the small local business.

These are some of the professions we can provide cover for:


-          Architecture firms

-          Engineering firms

-          Architect and Engineers on individual basis

-          Tax advisors

-          Labour advisors

-          Law firms

-          Expert witnesses

-          Associations

-          Consultants


You may access our Policy Wordings and Proposal forms by clicking on the following links:

Policy Wordings

Proposal Forms

Please find below divisional personnel:

Graham Cuthbert



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    • Over 35 Years Experience

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