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Product Update - Professional Indemnity Insurance

Published: 7/5/15

Professional Indemnity (PI) is typically for anyone who gives advice, handles confidential information or offers a professional service – such as accountants, architects, engineers, financial advisors, journalists

PI covers financial loss for errors and omissions; claims for negligence, providing compensation and legal defence costs. It will also cover your company against malicious falsehood and libel and slander.

Whether it is a requirement for membership of a particular professional body or to make sure that you are covered for every eventuality we can talk you through the policy and the particular needs of your business. It is important to seek expert advice for this insurance. Indemnity limits go up to £5 million.

Public liability or professional indemnity?

Please remember in situations where you are giving advice, particularly as a by-product of your primary occupation – this will not be covered by your standard public liability insurance.

A good example is a lighting retailer who gives their customer a plan of how to install the product, but this goes wrong and causes damage; this then becomes a professional indemnity issue. You need to make sure that your company is covered for every eventuality.

For help with Professional Indemnity speak to Dawn Charlesworth on 0845 371 1452 or email dawncharlesworth@flintinsurance.co.uk.


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