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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.

Architects Registration Board

The Architects Registration Board (ARB) is the governing body for Architects. They set the guidelines and the minimum standards for professional indemnity cover. The main requirements are:

Policy Cover
The policy must be on a civil liability basis; Some policies that you will be offered will be based on a “neglect, error or omission” basis. This is not wide enough to satify the ARB criteria. The cover must be on an any one claim basis and the cover must not be subject to an aggregate claims limit. The policy must pay for Legal Defence costs in addition to the policy limits.

Minimum levels of cover
The following levels are minimum requirements of the ARB, they may not be sufficient for some firms.

Fee income less than £100,000 – £250,000 limit of indemnity

Fee income between £100,000 and £200,000 – £500,000 limit of indemnity

Fee income exceeding £200,000 – £1,000,000 limit of indemnity

Excess
The ARB does not set a limit or level in respect of excess, they merely state that any excess must be affordable

Run-off cover
If the practice ceases, partners must ensure that they purchase run-off cover for at least six years. The limit of indemnity must be maintained at the highest level in the preceding three years to the cessation of the practice

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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