A patient receives advice from a doctor whose expertise is insured with professional indemnity by Insure 313.

Professional Indemnity

If you offer a professional service, provide advice, designs or something similar, professional indemnity insurance might well be considered a business essential.


For some projects, your client or an industry body may require you to have professional indemnity in place.


Professional Indemnity insurance is designed for accountants, architects, engineers and technical contractors, creative and marketing professionals, business consultants and advisers as well as teachers, instructors and trainers.


Your professional capabilities are based on consistency, but sometimes errors and mistakes can occur that you didn’t expect, and these can lead to severe issues.

The project could be delayed, your client could lose trust or confidence in you and this could affect your reputation and any future work.


These mistakes can be varied depending on your role. They could be as varied as misplacing legal documents, miscalculating business choices which leads to a client losing money, accidentally leaking information which affects your client, issues where your marketing advice damages a brand or, for fitness instructors, where a client injures themselves during a session.


For engineers and architects, mistakes can be even more costly, and a structure authorised by you could be considered dangerous and unusable. That’s why a solid professional indemnity policy is crucial to protect your profession and, by extension, your legacy.


Key Features

This policy could include;

  • Professional negligence
  • Unintentional breach of confidentiality
  • Defamation and libel
  • Loss of documents or data
  • Loss of money, goods or products


This list is not exhaustive. We have access to some of the leading insurers and can tailor a policy specifically to your requirements.


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