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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.

RICS Members

RICS states that members must hold professional indemnity insurance that meets standards approved by its regulatory board. The requirements are as follows:-

RICS require a minimum of a civil liability policy wording, although a more comprehensive wording is also acceptable.

The cover must be on an Any One Claim basis with full retroactive cover, to inlcude past and present employees. If the firm ceases to practice then run off cover must be maintained for a minimum of 6 years.

The policy must have a minimum indemnity limit based on the previous years income :-

  • For fees of less than £100,000 the minimum required limit is £250,000.
  • For fees of between £100,000 and £200,000 the minimum required limit is £500,000.
  • For fees in excess of £200,000 the minimum required limit is £1,000,000.
    Excess – In addition the rules impose maximum excesses which will depend on the limit of indemnity. Where the limit of indemnity is less than £500,000, the maximum excess should be no greater than 2.5% of the limit of indemnity or £10,000 whichever is the greater. For indemnity limits over £500,000 then the maximum excess is 2.5% of the limit.

Individual appointments – There are occasions when an individual partner, director or employee is appointed by a client rather than the firm. All policies will, under the definition of Professional Business, include cover for such individual appointments provided any fees are included in the declared fee income of the practice. If there are any differences of opinion as to what is included in the definition of Professional Business then again this is referred to the president of the RICS.

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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