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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.

AAT members professional indemnity insurance

Schedule Two of the AAT’s Guidelines and Regulations for Members in Practice details the minimum level of professional indemnity insurance required to be an AAT licensed member in practice. Currently the minimum level of cover a firm must have must be the greatest of:

a) for sole traders: 2.5 times the firm’s gross fee income or £50,000;
b) for partnerships: 2.5 times the firm’s gross fee income or £100,000;
c) for limited companies: 2.5 times the firm’s gross fee income or £100,000

If the gross fee income of the firm is greater than £400,000, the maximum level of PII cover required by these regulations is £1,000,000. However firms should always consider whether this is sufficient for their situation.

All AAT members are required to have insurance on an ‘any one claims’ basis by a policy of insurance providing full civil liability cover for claims arising from the provision of services. The policy must include unlimited legal defence costs and be fully retroactive.

The Guidelines and Regulations specify that the excess must not exceed, in annual aggregate:
a) in the case of a sole trader, £10,000;
b) in the case of a partnership, £10,000 per partner;
c) in the case of a limited company, £10,000 per director.

Run Off Cover If you cease working in practice the AAT strongly recommended that you maintain your professional indemnity insurance cover for a minimum period of six years after you have ceased your business.

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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