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Professional Liability

Professional Liability

We cover professional, public and employers’ liability, along with a range of other risks that can crop up unexpectedly.

This can give your clients the confidence they need to operate efficiently without needing to worry about lack of protection.

  • Primary PI limits of indemnity up to £5,000,000 standalone or PI Combined. Higher limits are available with our excess layer product
  • Public liability up to £5,000,000 for professional consultants on PI Combined 
  • Employers liability up to £10,000,000 for professional consultants on PI Combined

Our cover also includes as standard:

  • Loss of documents up to the limit of indemnity
  • Costs of court attendance:
  • Partners, directors or members £500 per day
  • Any employees £250 per day
  • Any other relevant party up to £500
  • Cover automatically extends to include any acquisitions
  • Ombudsman awards
  • Mitigation costs up to the limit of indemnity
  • Cover for external directorships (accountants only)

  • Accountancy
  • Architecture
  • Engineering – building services/mechanical & electrical/HVAC
  • IT Consultancy
  • Media & creative consultancy (e.g. advertising, marketing, etc)
  • Miscellaneous trades (600+ trades) Examples: agricultural consultants, bookkeepers, management consultancy, editorial, proof reading, recruitment etc
  • Surveyors & property consultants (Chartered Surveyors except pre-purchase survey & valuation work (S&V), Non-Chartered Surveyors, estate agents, letting agents etc)
  • Town planning

What we may consider (accommodation business)

  • Chartered surveyors with up to 15% pre-purchase lending/non-lending S&V
  • Design & construct – building services, mechanical & electrical, non-structural refurbishment/interiors, up to £5M turnover
  • Construction total contract values (TCV’s) £25-£50M. Max TCV £50M.

  • Actuaries
  • Construction professionals with total contract values in excess of £50M
  • Design & Construct - main contractors, turnover over £5M, civil/cladding/geotechnical/manufacturing roofing/structural
  • Engineering – structural / civil / geotechnical
  • Financial institution
  • Independent financial advisors
  • Insolvency practitioners
  • Insurance brokers 
  • Non UK domiciled businesses 
  • Non UK fees or turnover exceed 20%+
  • Solicitors

Public Liability / Employers liability on PI Combined Declines

  • Standalone PL or EL, EL without PL 
  • Supply of products
  • Manual work, construction or installation
  • (For the avoidance of doubt this would not include the installation of IT, Telecommunications and other audio/visual equipment but would include the type of work expected of an electrical contractor e.g. re-wiring an office).