Professional Indemnity Insurance for every profession

PI Expert is pleased to be able to offer competitive premiums for professional indemnity policies that cover every profession. From Architects and Engineers, Independent Financial Advisers to Pole Instructors, Management Consultants to Environmental Consultants we can find the Professional Indemnity policy that is most suitable for you.

Talking to the Experts

At PI expert we believe that listening to our customers is one of the most important skills that we have. When you call our office you will be greeted by a real person who will talk through your Professional indemnity Insurance requirements and listen to your concerns.

Every Insurer, Every Policy

PI Expert is a specialist independent insurance broker. We have access to the whole market, including Lloyds of London and are able to provide professional indemnity insurance quotations for every profession. We are able to offer the best cover at competitive premiums from the insurer who offers the most suitable cover for your business.

Public, Products and Employers Liability Insurance

Most businesses will need to buy cover for Public Liability risks. This covers your legal liability for death or bodily injury to the public and loss of or damage to property not owned by you or in your custody or control. It is crucial cover to anybody who has visitors to their premises or who visit clients premises.

In most cases, if you are a sole trader or you are the sole employee of a limited company, you will only need to buy Public Liability cover. However if you produce or supply a product then you should also purchase Products Liability cover too – this is normally an extension to a Public Liability cover and, in some cases, may be provided free of charge as an integral part of the policy.

If you are the manufacturer of the product or hold the distribution rights then you will need to be sure that your cover extends to include your liability as product licence holder.

If you employ temporary or permanent staff you’re legally required to have employers’ liability insurance. The maximum fine for not having this cover when you are required to do so is £2,500 per day. This insurance covers you if an employee is injured or develops an illness as a result of their employment with you. You should buy this cover even if your only employees are volunteers – if you are in charge of their systems and methods of work you are legally considered to be an employer as far as the legal requirements, in respect of Employers’ liability, are concerned.

A limited company is required to hold Employers’ liability cover even if the only employees are family members – ie a husband and wife. Non limited companies employing close family members are not legally required to buy employers liability cover but are advised to purchase it.

You can buy Liability cover as an extension to your professional indemnity insurance policy, as a stand alone policy, or as part of a combined business policy. Please call PI Expert for a quotation.

Latest News

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Case Studies

Clients often ask PI expert why they need to buy Professional Indemnity Insurance. We believe that the best way to explain where the risk lies is by using examples of people in similar trades.

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Our Services

We look after all sorts of people and all sorts of professions. From Architects to Accountants, Engineers to IT Professionals, Solicitors to Scientists, Tree Surgeons to Translators.

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