UK Professional Indemnity Specialists

Professional Indemnity Insurance

Protect unoccupied homes during the probate process with tailored insurance cover — arranged with care, clarity and respect.

FCA Regulated

Independent Brokers

UK-wide Cover

Why UK professionals need PI cover

Introduction

What is Professional Indemnity Insurance?

Professional Indemnity (PI) Insurance protects businesses and professionals against claims made by clients who believe they have suffered financial loss due to negligent advice, services or designs you provided.

Even the most experienced professionals make mistakes. A single allegation — whether justified or not — can result in significant legal costs and reputational damage. PI cover gives UK businesses the financial protection and legal defence they need to keep operating with confidence.

Who needs it

Who Needs Professional Indemnity Insurance?

If your business provides advice, designs, services or expertise to clients, professional indemnity cover is essential.

Consultants

Architects

Engineers

Accountants

IT Contractors

Marketing Agencies

Surveyors

Designers

Financial Advisors

Solicitors

Recruitment Agencies

Freelancers

What it covers

What Does Professional Indemnity Insurance Cover?

A robust PI policy provides protection across the full range of professional risks faced by UK businesses.

Professional negligence

Protection where advice or services cause client loss.

Errors and omissions

Cover for mistakes or oversights in your professional work.

Breach of confidentiality

Defence if confidential client information is disclosed.

Defamation

Cover for libel or slander allegations arising from your work.

Legal defence costs

Solicitor and court costs to defend covered claims.

Intellectual property disputes

Cover for unintentional infringement of third-party IP.

Misrepresentation

Protection against claims you provided misleading information.

Lost documents and data

Costs to reconstruct lost or damaged client records.

Trusted by UK businesses

Our specialist advisors negotiate with leading UK and Lloyd’s of London insurers to find competitive, tailored PI cover for every profession.

20+

Years experience

£10m+

Limits arranged

FCA

Regulated

Why choose us

Why Choose WS Insurance Brokers

We are an independent, FCA regulated insurance brokerage specialising in tailored cover for UK professionals and businesses.

Independent UK insurance specialists

Tailored cover options

Competitive premiums

Fast quotations

Experienced advisors

FCA regulated brokerage

Personal service

Industries we cover

Specialist cover across every sector

We arrange professional indemnity insurance for businesses of all sizes across the UK.

Construction & Engineering

IT & Technology

Financial Services

Legal Services

Architecture & Design

Marketing & Media

Management Consultancy

Recruitment & HR

Surveying & Property

Healthcare & Wellbeing

Education & Training

Creative Industries

Real-world scenarios

Claims Examples

Real situations where professional indemnity insurance protects UK businesses from significant financial loss.

Architect design error

An architect’s drawings contain a structural error that requires expensive remedial work after construction. PI insurance covers the legal defence and settlement.

Accountant filing mistake

An accountant submits an incorrect tax return resulting in HMRC penalties. The client claims the cost back from the accountant.

IT contractor downtime

A bespoke software deployment causes unexpected downtime, costing the client revenue. The contractor faces a claim for financial loss.

Marketing campaign defamation

A published campaign unintentionally defames a competitor brand, leading to legal action against the agency.

Reviews

What our clients say

4.9/5 from 600+ reviews

       
 
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Common Questions

Frequently Asked Questions

Is professional indemnity insurance mandatory in the UK?

It is a legal or regulatory requirement for many professions including solicitors, accountants, financial advisors and architects. For others it is often contractually required by clients.

How much cover do I need?

Limits typically range from £100,000 to £10 million or more. The right level depends on your profession, contract requirements, and the size of projects you handle.

What is not covered?

PI insurance usually excludes deliberate acts, known prior claims, bodily injury, property damage and contractual penalties. Our advisors will explain the exclusions clearly.

How much does professional indemnity insurance cost?

Premiums start from around £100 per year for freelancers and increase based on turnover, profession, claims history and the indemnity limit required.

Can freelancers get professional indemnity insurance?

Yes. We arrange tailored, affordable PI cover for sole traders, contractors and freelancers across every UK sector.

Protect your business today

Speak to a specialist PI advisor for tailored cover and a competitive quote. We arrange policies for sole traders, SMEs and large UK firms.Speak to one of our specialist advisers today. We’ll handle everything with the care and discretion this moment deserves.