Professional Indemnity Insurance Brokers | Horner Blakey
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Professional Indemnity Insurance

Professional indemnity insurance protects your business against risks like negligence, intellectual property infringement, defamation, breach of confidence, and negligent advice. Remember, you can be sued even if you provided a service or advice for free.

This insurance is essential for a wide range of professions, business activities, small business owners, and self-employed professionals who want to safeguard their business reputation and finances.

We collaborate with you to find the right level of cover, giving you peace of mind that professional risks are minimized. Working with approved insurers, we ensure your policy meets the standards required by professional bodies and can be tailored to your unique business needs.

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What is professional indemnity insurance?

Professional indemnity insurance covers compensation owed to clients when things go wrong. For example, if you give bad advice or breach client confidentiality and are required to pay damages, this insurance helps cover those costs, including legal fees.

Key features include:

  • Protection against financial losses due to professional mistakes
  • Coverage for legal costs and expenses
  • Claims-made basis: covers claims made during the policy period
  • Option to cover claims relating to incidents before the policy start date, depending on insurer terms
Professional Indemnity Insurance document

Do I need professional indemnity insurance?

Not every business requires professional indemnity insurance, but if you provide advice, skills, or knowledge to clients, it’s worth considering. It is usually mandatory for professions such as:

Whether you operate as a company or a sole trader, having professional indemnity insurance protects you against professional risks. Many professional bodies regulate insurance requirements and specify minimum coverage levels to ensure adequate protection.

If you’re unsure about your need for cover or the appropriate level, our expert brokers can tailor a policy to your exact requirements. We negotiate bespoke policy wordings and cover features to secure the best terms and rates for you.

What does professional indemnity insurance cover?

Professional indemnity insurance typically covers compensation claims arising from:

  • Mistakes or poor advice
  • Negligent services causing client losses
  • Unauthorized sharing of confidential information
  • Loss or damage to client documents
  • Defamatory statements about clients
  • Intellectual property infringement (e.g., trademarks, copyrights)
  • Losses caused by your employees

How much does professional indemnity insurance cost?

Costs vary based on several factors:

Factor Description
Business Size Larger businesses typically pay higher premiums
Industry Some sectors carry higher risks and costs
Claims History Past claims can increase premiums

To get the best deal:

  • Start your search at least 90 days before renewal
  • Compare quotes from trusted insurers
  • Consider flexible payment options (monthly or annual)

Our brokers work closely with a panel of trusted insurers to provide competitive quotes tailored to your business and risk profile. You pay only for the cover you need, with access to 24/7 dedicated claims support for a smooth claims process.

How to Buy Professional Indemnity Insurance

Buying the right policy can be complex. Here’s how to simplify the process:

  1. Assess your business risks and service offerings
  2. Understand any contractual or industry insurance requirements
  3. Partner with reputable brokers and insurers
  4. Compare policies and prices carefully
  5. Balance cost with the level of protection you need

Our brokers provide expert advice to help you invest wisely in professional indemnity insurance that protects your business and supports long-term success.

Why Choose Horner Blakey as Your Professional Indemnity Insurance Broker?

We specialise in helping businesses and professionals secure the right professional indemnity insurance. As experienced professional indemnity insurance brokers we take the time to understand your business and the specific risks you face.

When you work with us, you benefit from:

  • Tailored Advice – We’ll assess your business needs and recommend the right level of cover, ensuring you’re neither underinsured nor overpaying.
  • Access to Leading Insurers – Our long-standing relationships with approved insurers mean we can negotiate comprehensive cover at competitive rates.
  • Sector Expertise – From accountants and architects to consultants, surveyors, and IT professionals, we understand the insurance requirements across a wide range of professions.
  • End-to-End Support – From arranging cover to handling renewals and claims, our brokers guide you through every stage with clarity and confidence.
  • Trusted London Broker – With offices in London and Essex, we’re well placed to support both local businesses and nationwide clients.

Choosing Horner Blakey as your professional indemnity insurance broker means you’ll have an expert partner on your side; someone who can protect your business reputation, financial security, and compliance with professional standards.

Brokers and Claims Support

Working with professional indemnity insurance brokers offers many advantages:

  • Expert guidance to identify the right cover for your risks
  • Access to bespoke policies tailored to your profession
  • Negotiation of the best terms and premiums
  • Support throughout the claims process, advocating on your behalf
  • Peace of mind knowing you have a trusted partner during difficult times

Professional Bodies and Insurance Requirements

Many professional bodies require members to maintain professional indemnity insurance to:

  • Protect against negligence or breach of duty claims
  • Uphold the reputation and integrity of the profession
  • Meet minimum insurance standards set by the body

Staying compliant with these requirements not only protects your business but also builds client confidence. Ensure your professional indemnity insurance policy meets or exceeds your professional body’s standards to demonstrate your commitment to best practices and risk management.

Highest quality independent, expert advice.

We will negotiate the best possible insurance premium and terms for you.

Based in the heart of the city of London, at the centre of the London insurance Market

We deal with clients in London, the Home counties and across the UK

Taking the hassle out of Insurance...

Speak to a member of our dedicated team

020 7929 0108
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