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Professional Indemnity Insurance

Professional Indemnity Insurance through Viking Direct Insurance Services UK
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Why buy your Professional Indemnity Insurance from Viking Direct Insurance Services?

  • Get quotes from a range of leading insurance brands – From AXA to Zurich
  • Quick cover and e-mailable documentation available
  • Flexible payment & finance options
  • Cover available for wide range of trades and professions

What does Professional Indemnity Insurance do?

Professional indemnity insurance cover protects professional businesses against their legal liability towards third parties for injury, loss, or damage, arising from allegations of professional negligence or that of their employees. It can also cover defence costs in the event of legal proceedings, as well as any compensation awarded.

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or Call 01384 210099 (Mo-Fr: 9am - 5pm)

Who needs Professional Indemnity Insurance?

Any business that offers professional, financial, design and project management advice as part of their service should consider having PI in place. For some – Solicitors, for example, it’s a mandatory requirement. For others - like accountants - it may be a condition of their Cover can be arranged for a range of professional businesses including:

Accountants PI Insurance through Viking Direct Insurance Services UK

Accountants PI

Protect yourself in the event of a claim from a client.

Accountants PI
Architects PI Insurance through Viking Direct Insurance Services UK

Architects PI

Offering professional advice, as you do as a professional architect, comes with risk. Get the cover you need.

Architects PI
Professional Indemnity Insurance for Contractors through Viking Direct Insurance Services UK

Contractors PI Insurance

Where you take overall responsibility for a site, you may find yourself to be the onsite ‘expert’. Get the right Contractors PI in place.

Contractors PI Insurance
Medical Practitioners PI Insurance through Viking Direct Insurance Services UK

Medical Practitioners PI

From Doctors through to Locum nurses, get the cover you need.

Medical Practitioners PI

Professional Indemnity insurance protects you and your business from financially crippling and often reputation-damaging claims by dissatisfied clients. Even the most respectable companies can find themselves in dispute with a client over a mistake.

What cover does a Professional Indemnity policy provide?

Professional Indemnity insurance works in a number of ways. Below are some of the danger areas your business could be exposed to:

  1. Negligence - a breach of duty of care
  2. Intellectual property -where you unintentionally infringe on someone’s copyrights, trademarks and broadcasting rights.
  3. Loss of documents or data - damaged, lost or stolen data and documents belonging to your clients

Dishonesty - liability arising from the theft of your clients’ money

It will cover you if you make a mistake in the professional services you have provided, should this lead to a dispute with a client. If the dispute becomes complicated, your insurer can defend your claim - right through to the High Court, if necessary. The PI policy can protect you from legal fees. Even if you lose, the policy will still cover you for any damages you then become liable for, subject to the level of cover your business is insured for.

Professional Indemnity insurance will also cover the cost of fixing any mistake on your part (again, up to the policy indemnity limit), which will potentially help to avoid a larger claim being made.

How much Professional Indemnity cover will I need?

The amount of PI cover (referred to as the maximum indemnity) your business needs depends entirely on the type of services it provides. There is no general rule that can be applied for how much cover your business will need. That said, it can be worth taking time to review contractual obligations with clients. Often, indemnity limits will be enshrined in such documents.

Sometimes your client will set a minimum limit of the indemnity they require before you can work with them. Many UK government departments, for example will require their contractors and consultants to have at least £5 million of cover.

When deciding on the amount of professional indemnity cover to have you should consider the value of the work you are doing for your clients and the potential financial impact on them should it go wrong.

It is also worth considering taking retroactive cover for work that you’ve already completed before the policy commences. This means that your professional indemnity insurance policy will cover you for any claims arising out of work you completed in the past. You will be given the option of taking out retroactive cover when you get your professional indemnity insurance quote.

Why use Viking Direct Insurance Services to Compare Professional Indemnity insurance policies?

Comparing Professional Indemnity Insurance can be bewildering. But getting it wrong could leave you with exposures that might cost your business dearly.

Why not pick up the phone to an advisor today? Working with a range of leading UK insurers – from Aviva to Zurich – the UK based team of PI insurance specialists offer genuinely independent advice from a UK call centre. So, give the specialist team a call today, and find out how much you could save on your PI insurance.






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