BUSINESS & PROFESSIONAL

Professional indemnity. Explained.

Compare the professional work insured, claim timing and the terms that remain important after a project ends.

Start with what you need covered.

Professional indemnity addresses specified claims connected with professional services or advice. The occupation and work described on a schedule are central to the comparison. Ask how the wording handles alleged errors, defence costs, past work and contracts, including circumstances reported before a formal claim arrives.

Compare the key questions ↗Read the buying guide ↗

UNDERSTAND THE OPTIONS

Different arrangements. Different details.

Standalone indemnity

Cover focused on the professional services declared to the insurer.

Professional package

Indemnity combined with other covers; check each section independently.

Continuity or run-off arrangements

Discuss historic work, retirement, closing a business or changing insurers.

BEFORE YOU CHOOSE

Four conversations worth having.

Insured services

Do all advice, design, consultancy and outsourced activities fit the wording?

Past work

What retroactive date applies, and what does it mean for earlier projects?

Notification

When must complaints or circumstances be reported, even without a formal claim?

Limits

Is the limit per claim or aggregate, and how do defence costs use it?

Compare an actual offer

These are research prompts, not a quote or a recommendation. Ask an insurer or authorised broker to explain the accepted policy, its exclusions and your own circumstances. Product features vary.

Sources & further reading

Checked 26 September 2026. Policy terms and source ratings can change.

See how cover connects.

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