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Professional Liability Insurance

At 1st Choice Insurance, our team will use their specialist knowledge of the insurance market to ensure you get the cover you need at the right price. We can advise on the best level and type of Professional Liability Insurance.

What is Professional Liability Insurance?

Business insurance is an umbrella term that includes a wide range of individual insurance protections. Professional liability insurance is included in many business policies as a way to protect businesses who provide advice or services as part of their business activities. Professionals insurance enables businesses to protect themselves against legal claims of malpractice, professional misconduct and related matters.

Due to the specific nature of professionals insurance, it is not always included in general business insurance policies. In order to get a professional liability insurance policy, it’s important to speak with an insurance broker.

You should consider taking out Professionals Insurance if your business provides expert knowledge, skills or advice to clients. It should also be noted that, as a claim can still be pursued up to 6 years after the event, you should ensure that you have adequate run-off cover should you retire or leave the profession.

Who needs Professional Liability Insurance?

Do you offer financial advice to clients as part of your day-to-day business? Are your professional designs and patents protected against possible loss or damage? Any business that provides professional advice, services, or designs to third-parties should think about taking out a robust professional indemnity policy.

Professional insurance is recommended for anyone who is offering professional advice or related services. This insurance protects you and your business from a wide array of potential claims, including negligence, breach of duty, professional error, or professional omission.

Depending on the level of coverage you require, professional liability insurance can protect your business income and reputation from a range of potential problems. This includes consulting or contracting work, with freelancers and self-employed people also needing a professional liability insurance policy in many situations. Impacted professions include, but are not limited to, business consultants, engineers, IT professionals, teachers, recruitment agents, and product designers.

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Benefits of Professional Liability Insurance

The benefits and advantages of professional insurance stretch far and wide, with coverage protecting your business income, your clients, and your well-earned reputation. Without professional liability coverage, you’re unable to protect yourself against legal costs and expenses incurred in your defence, awarded damages or costs, and allegations of mistakes or negligence.

A robust business insurance contract that includes professional liability support is a necessary part of running many modern businesses. A professional liability insurance online quote is available from 1st Choice Insurance in the UK, with our expert advisers able to tailor business insurance policies to meet your specific needs.

Professional liability coverage is often available alongside public liability, employers liability, and other coverage options designed to protect businesses from harm. While some of these protections are available in standard business insurance policies, it’s important to speak with a professional liability insurance broker to make sure you’re covered.

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