Professional Services Insurance
Clients come to you because the answer isn't always obvious. As your reputation grows, the right cover gives the business behind your expertise room to take on bigger work.
Professional businesses are built on expertise, advice and trust. But the risks facing an architect, consultant or accountancy practice can look very different.
Whether you're working independently, building a team or taking on larger clients, your insurance should reflect the services you provide, the responsibilities you take on and the way your business operates.
For professional businesses including:
Choose the protection that's relevant to your business, your clients and the way you work.
Protection against eligible claims arising from professional advice, services or mistakes.
View Cover →Helps protect against eligible claims involving injury to other people or damage to their property.
View Cover →Helps your business respond to cyber attacks, data breaches and digital disruption.
View Cover →Protection for employee injury or illness, and legally required for most UK employers.
View Cover →Helps protect directors and senior decision-makers against certain claims arising from management decisions.
View Cover →Support with certain business disputes and covered legal issues.
View Cover →Professional businesses are often paid for their judgement as much as the work itself. That can create responsibilities around the advice you give, the people you deal with, the information you hold and the contracts you accept.
A client may allege that advice, a report, design or professional service caused them financial loss.
If you visit client premises, attend meetings or welcome people to your own workplace, an accident involving a third party could result in a Public Liability claim.
Client contracts, frameworks and professional bodies can place specific obligations on your business and may require minimum levels of insurance.
Client files can contain valuable personal, financial or commercially sensitive information, creating additional cyber and data exposure.
Taking on employees, larger contracts or more complex projects can introduce additional responsibilities as the business develops.
See the cover options available for your profession and build your quote online.
Eligible policies include access to practical legal support and business resources to help with the everyday challenges of running your business.
Speak to qualified solicitors about business-related legal issues, including employment law, health & safety, client contracts and other everyday legal questions.
Access ready-to-use contracts, policies, procedures, guides and templates designed to help with the practical and legal side of running your business.
Still not sure? Call us on 01225 284968.
The cover that's relevant will depend on the services you provide and how your business operates. Professional Indemnity can be particularly relevant for businesses providing professional advice or services, while Public Liability, Employers' Liability and Cyber Insurance may also be appropriate.
Professional Indemnity isn't a legal requirement for every professional business, but clients, contracts and professional bodies may require it.
Yes. Some contracts specify both the type and minimum level of insurance required.
It can still be relevant if you meet clients, welcome visitors, attend events or work at client locations.
It can be if you hold client information or depend on email, cloud software or other digital systems.
It's legally required for most UK businesses employing people, subject to limited exemptions.
Online insurance available through Captivo is provided by Markel. You'll see full insurer and policy details before you buy.
The right protection for the business your judgement has built.
