PROFESSIONAL SERVICES
When your product is your advice, your insurance has to be watertight.
Consultants, accountants, engineers, IT firms, designers and advisers sell judgement — and judgement can be challenged. We arrange professional indemnity and the covers around it so a client dispute, a contract clause or a data breach doesn’t become the thing your firm is remembered for.
WHO WE HELP
Firms and sole practitioners across the professions
Management & business consultants | Accountants & bookkeepers | Engineers & project managers | IT consultants & software firms | Architects & designers | Marketing & creative agencies | Recruiters & HR consultants | Training & education providers | Real estate & property professionals |
WHAT WE ARRANGE
Built around professional indemnity — then completed properly
THE CORNERSTONE
Professional indemnity
Responds to claims that your advice, design or service caused a client loss — including defence costs, which often dwarf the claim itself. Limits, exclusions and retroactive dates all matter; we read them so you don’t have to guess.
CONTRACTS DEMAND IT
Public liability
Even desk-based firms need it — client sites, co-working spaces and tender requirements all ask. Usually inexpensive to add, and often bundled with your office cover.
DIGITAL EXPOSURE
Cyber insurance
Client files, financial data and email are your working assets — and exactly what attackers target. Cover for breaches, ransomware and social-engineering fraud, plus incident response support.
THE FIRM ITSELF
Management liability
Protects directors and the company against employment disputes, statutory investigations and fiduciary claims — the risks that come from running the firm rather than advising clients.
PREMISES & KIT
Office & equipment cover
Contents, laptops, portable equipment and business interruption — including gear that travels with you to client sites and home offices.
KEY CONTRACTS
Tender & contract reviews
Client agreements increasingly specify insurance clauses, limits and indemnities. Send us the clause before you sign — we’ll tell you whether your program meets it, and what it would take to comply.
WHY IT MATTERS
Three moments professional firms call us
The contract requires $10M PI and we hold $2M
A client is unhappy and mentioning lawyers
I'm closing the practice / retiring — am I still exposed?
COMMON QUESTIONS
Professional services insurance FAQs
Most professional indemnity policies respond to claims made against you during the policy period — not when the work was done. Practically, that means you need continuous cover (including after you stop trading, via run-off cover), and your retroactive date needs to reach back to when you started the work you want protected. It’s the single most misunderstood feature of PI, and the one we check first on every review.
It depends on your contracts, your clients and the scale of loss your advice could cause — not just your revenue. Client agreements and industry panels often specify minimum limits, and professional associations may set their own requirements. We look at your actual engagements and contract clauses, then recommend a limit you can justify commercially.
Usually you need less than a firm — but rarely nothing. Many clients won’t engage a consultant without evidence of PI, and a single laptop-and-email operation still carries cyber and liability exposure. Sole-practitioner packages are typically simple and affordable; it’s worth a short conversation before assuming otherwise.
Sometimes, with conditions — and this is exactly where policy wording matters. If you deliver client work through subcontractors, the policy needs to reflect that, and it’s worth confirming what cover your subcontractors hold themselves. Tell us how you actually deliver work and we’ll structure the program around it.
Broadly: PI responds when your professional work causes a client loss; cyber responds when your systems or data are compromised. The edges can overlap — for example, a breach that harms a client — which is why the two policies should be arranged to work together rather than bought in isolation.
Indemnity clauses can extend your liability beyond what your insurance covers — some clauses effectively ask you to accept risks your policy excludes. We can’t give legal advice on the contract itself, but we can tell you how a clause interacts with your cover before you sign, and flag when it’s worth getting your lawyer involved.
GET STARTED
Tell us about your practice
Fill in the form and we’ll call you back within one business day. If a contract or tender is driving the timing, have the insurance clause handy — meeting it is usually quicker than you’d expect.
Request a quote
RESPONSE WITHIN ONE BUSINESS DAY