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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.

ICA members professional indemnity insurance

Insurance requirements for The Institute of Chartered Accountants in England & Wales (ICAEW), The Institute of Chartered Accountants of Scotland (ICAS) and The Institute of Chartered Accountants in Ireland (ICAI).

Required limit of indemnity
Firms are required to have a limit of indemnity of two and a half times the firm’s gross fee income for past financial year. There is a minimum requirement for sole practitioners of £50,000 or £100,000 for all other firms. There is currently a maximum requirement of £1,000,000, however firms with larger turnovers or those with an increased level of exposure or firms who have clients with specific supplier requirements can purchase higher levels of cover.

Maximum excess
Sole practitioners are required to have an excess no greater than £30,000 in the aggregate.
For Partnerships the £30,000 aggregate excess can multiplied by the number of principals.
Corporate practices are allowed a maximum excess of £30,000 in the aggregate or the total amount accepted by the principal as a legally binding personal obligation (but not more than £30,000 for any one principal).

Main features of rules
Insurance cover must be provided via an insurer from the ‘List of participating Insurers’ published each year by the Institute. Cover must conform to the Institute ‘approved wording’ – a ‘difference in conditions’ clause must be included where cover differs.

The policy must provide Retroactive cover of at least 6 years or back to the establishment date of practice if this is more recent.

Run-off cover following cessation must be maintained for 2 years, but it is recommended that run-off is continued for at least 6 years.

An ‘Assigned risk pool’ exists for those practices unable to obtain cover.

Latest News

Quite often, people living in a block of flats or along the same street may form a Residents’ Association or Residents’ Management Company. It’s…

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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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