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Professional Indemnity Insurance UK | PI Cover | Dixons Commercial

Professional Indemnity Insurance

Protect your business against claims of negligence, errors, and omissions

Comprehensive Professional Indemnity (PI) coverage protecting your business, your advice, and your reputation. Essential cover for professionals and consultants across the UK.

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✓ Legal Defence
0 Run-Off Cover Available
0 Limit of Indemnity
0 Helpline Access

Protecting Your Professional Advice

Even the most careful professionals can make a mistake. Professional Indemnity insurance protects your business if a client claims your work was negligent, flawed, or caused them a financial loss.

Whether you provide advice, design, or specialized services, a single claim of negligence can result in expensive legal defence costs and substantial compensation payouts. Our expert brokers work with leading insurers to arrange tailored PI policies that protect your business assets, your personal wealth, and your hard-earned reputation.

Why Professional Indemnity is Essential

In many professions, PI insurance is a mandatory regulatory requirement. Even if it isn't mandatory for your sector, most corporate clients will refuse to sign a contract unless you can prove you have adequate Professional Indemnity cover in place. It is the cornerstone of professional credibility and client trust.

Our PI Coverage Features

Tailored insurance solutions to protect against the diverse risks facing professional service providers

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Negligence & Errors

Protects your business if a client claims that the professional services or advice you provided was flawed, negligent, or caused them a financial loss.

Covers the costs of legal defence and any settlements or judgments awarded against you.

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Breach of Professional Duty

Covers claims arising from an alleged breach of your professional duty, including failure to perform services to the required industry standard.

Essential protection for consultants, architects, engineers, and IT professionals.

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Loss of Documents & Data

Covers the costs associated with the loss or damage of client documents, data, or intellectual property held in your care, custody, or control.

Includes the cost of recreating the lost data and notifying affected clients.

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Defamation & IP Infringement

Protects against claims of unintentional defamation, libel, or slander arising from your professional activities or marketing materials.

Also covers unintentional infringement of copyright, trademarks, or intellectual property.

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Mitigation & Legal Costs

Covers the reasonable and necessary costs you incur to mitigate a potential claim, even before formal legal proceedings begin.

Includes solicitor fees, barrister costs, and court expenses up to your limit of indemnity.

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Run-Off Cover

PI claims can be made years after the work was completed. Run-off cover protects you if you retire, sell, or close your business.

We can arrange run-off policies to ensure you remain protected long after you stop trading.

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Why Choose Dixons Commercial?

Our expert brokers have access to market-leading products and provide expert advice to ensure you and your business is protected correctly

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Tailored Solutions

We recognise that each profession is unique and work with insurers to arrange tailor-made PI solutions

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Market Access

Access to market-leading PI products from top-tier global insurers with competitive terms

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Expert Advice

Highly experienced brokers who understand the specific risks of your profession

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Claims Support

Dedicated claims support and expert legal guidance to protect your interests when you need it most

Professions We Protect

Specialised Professional Indemnity solutions for a wide range of service providers and consultants

Consultants & Advisers

  • Management Consultants
  • Financial Advisers
  • Business Coaches
  • HR Consultants
  • Marketing Agencies
  • Recruitment Consultants

Technical & Design

  • Architects
  • Civil & Structural Engineers
  • Interior Designers
  • Surveyors
  • Project Managers
  • Health & Safety Consultants

IT & Technology

  • Software Developers
  • IT Consultancies
  • Data Analysts
  • Web Designers
  • Cybersecurity Consultants
  • SaaS Providers

Legal & Financial

  • Solicitors & Legal Executives
  • Accountants & Bookkeepers
  • Tax Advisers
  • Insolvency Practitioners
  • Claims Management
  • Property Managers

Key Benefits of PI Insurance

Comprehensive protection for the modern professional services landscape

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Legal Cost Protection

Covers expensive solicitor and barrister fees to defend your business, even if the claim is groundless or fraudulent.

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Contractual Requirements

Ensures you meet the mandatory insurance requirements demanded by corporate clients and regulatory bodies.

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Worldwide Jurisdiction

Protects your business against claims made globally, essential for consultants working with international clients.

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Retroactive Cover

Protects you against claims made today for work you completed in the past, provided you have maintained continuous cover.

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Employee Protection

Extends cover to protect your business against claims arising from the negligent acts or omissions of your current or former employees.

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Reputation Management

Provides access to expert legal and PR support to manage the reputational impact of a professional negligence claim.

Ready to Protect Your Profession?

Don't leave your business exposed to the cost of negligence claims. Contact our expert team today for a comprehensive review of your Professional Indemnity needs and discover how we can protect your advice, your assets, and your reputation.

Call Us Today: 01727 736 970

Or email us at [email protected]

Frequently Asked Questions

What is the difference between PI and Public Liability insurance?

Professional Indemnity (PI) covers you against claims of financial loss resulting from negligent advice, design, or professional services. Public Liability covers you against claims of physical bodily injury or property damage to third parties (e.g., a client slipping on your premises). Most businesses need both.

Do I need PI insurance if I only give advice for free?

Yes. Even if you provide advice or services pro bono, a client can still sue you if they suffer a financial loss as a result of that advice. PI insurance covers your legal defence costs and any settlements, regardless of whether you were paid for the service.

How much Professional Indemnity cover do I need?

The amount of cover (Limit of Indemnity) depends on your profession, the size of the contracts you undertake, and any regulatory requirements. Common limits are £1m, £2m, or £5m per claim. We can help you assess your specific risk profile to determine the right level of cover.

What is "Run-Off" cover and do I need it?

PI claims can be made years after the work was completed. If you retire, sell, or close your business, your standard PI policy will cancel. "Run-off" cover is an extended policy that continues to protect you against claims for past work. In many professions, maintaining run-off cover for 6 years is a regulatory requirement.

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