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.

Management Consultants policy cover

There are a number of Institutes and Professional bodies who include Management Consultants within their ranks, these include (but are not limited to) Institute of Interim Managers, Institute of Business Advisors, Chartered Management Institute, Business Continuity Institute, Institute of Leadership and Management.

There are other associaitons such as the Link Management group who provide valuable resources and networking facilities. None of the professional bodies lay down a requirement for minimum levels of Professional Indemnity cover.

There are many different types of management consultant, from those that cover department heads for a sickness or paternity absence to those who are full interims covering FD and CEO roles. The risk and level of cover that is required varies as greatly as the different roles and whilst there are some very cheap policies available on the market it needs to be borne in mind that the scope of cover provided by such cheap professional indemnity policies will be very limited and may not respond in the event of a claim.

Features of cover that you should look out for should start at the basis of cover – is it for errors and ommissions only or is it on a full negligence basis including breach of duty of care? Many of the cheap policies do not include Mitigation of Loss cover – this is the reasonable costs and expenses incurred to prevent or reduce the cost of a potential loss and allows you to take steps to minimise the damage or loss that your customer experiences as a result of a mistake that you have made rather than waiting for them to make a claim against you for damages. This cover can help you retain customers after you have made a mistake and build relationships rather than losing them altogether.

You should check whether your policy cover includes defence costs within the limit of cover or if these are provided in addition to the sum insured. Often Defence costs will be the most expensive part of any claim that you make and the best polices will provide these in addition to the policy limit without excess or cap. Most policies will include cover for costs incurred for representation at tribunals and hearings.

Cover for Infringement of intellectual property rights is a useful extension, particularly if you are providing training courses. Another useful extension is cover for Loss of Documents – this would include costs incurred replacing or restoring documents.

Most management consultants will find cover for Defamation ie innocent libel and slander to be essential, but especially those who specialise in change management and HR.

If your business employs others or if you use subcontractors to carry out some of your work then cover for dishonesty by a director, employee or self-employed person contracted to you and under your supervision will be essential.

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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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