Professional Indemnity Insurance
Professional Indemnity cover for a range of services & activities from £3.14 per month.*
- Public Liability included
- Join over 150,000 customers**
- Over 3000 5* reviews
From £3.14* a month
Get a quote for professional indemnity insurance
Select the category that best matches your business. If professional indemnity cover isn’t included as standard, you can add it when you request a quote. Please note that not all products offer professional indemnity insurance. Be sure to review the policy documents carefully to confirm you have the cover that’s right for you.
Pet Business
Therapist
Hairdresser
Personal Trainer
Other business
What is Professional Indemnity Insurance?
When you provide professional services, advice, or expertise, there’s always a chance that a mistake – or even just an allegation of one – could lead to a claim being made against you. If a client suffers financial loss because of your work, they may take legal action.
Professional Indemnity Insurance (PI) helps protect you in these situations by covering the cost of defending your business and paying any compensation owed. Without it, one claim could put your business and reputation at serious financial risk.
It typically covers; mistakes, errors, or omissions in your professional work and providing incorrect or misleading advice or information.
Make sure you have the correct insurance for your activities and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
If a client or third party makes a claim against you, professional indemnity insurance can help with:
- Compensation payouts for losses suffered because of your professional mistake.
- Legal defence costs – including representing you in court (with the insurer’s agreement).
- Claimant’s legal fees and expenses, such as solicitors or court costs.
- Claims first made during your policy period that arise from your professional activities.
This type of indemnity insurance is particularly valuable for businesses that rely on expertise, advice, or creative work.
You can also choose the level of cover that suits your business. For most small business liability insurance policies, this usually ranges from £1 million up to £10 million – giving you confidence that if the unexpected happens, you won’t be left to handle it alone.
You can also choose the level of cover that suits your business. For most small business liability insurance policies, this usually ranges from £1 million up to £10 million – giving you confidence that if the unexpected happens, you won’t be left to handle it alone.
Like any insurance, professional indemnity has limits. For example, it generally won’t cover:
- Claims arising from financial or investment advice regulated by the FCA.
- Infringement of intellectual property such as copyright or trademarks.
- Loss or damage to physical property (unless directly caused by professional negligence).
- Issues you were already aware of before the policy started.
- Contractual liabilities you have agreed to take on beyond your professional duty of care.
- Certain activities such as providing medical treatment or manufacturing physical products.
For information on exclusions in your cover please refer to policy documentation.
Who needs Professional Indemnity Insurance?
If your business involves giving advice, handling client information, or providing professional services, professional indemnity insurance is strongly recommended – and in some industries, it may be a regulatory requirement.
Even if you work independently, one client dispute could lead to significant legal and financial consequences – PI cover gives you vital protection.
It’s essential cover for:
Freelancers, consultants, and contractors who advise clients.
Professionals offering services, whether working from client offices, shared spaces, or their own premises.
Health, wellbeing, therapy practitioners & fitness instructors.
Therapists, personal trainers, fitness instructors, and other service providers working directly with clients.
Creative professionals such as designers, writers, or marketers.
Photographers, graphic designers, copywriters and other marketing and creative services.
Our experts explain why...
“Professional Indemnity Insurance is essential for small businesses that provide advice or services. A client dispute, error, or allegation of negligence could lead to significant financial losses and damage to your reputation. Our cover ensures you’re protected against these risks, giving you the peace of mind to focus on delivering your expertise with confidence.”
Chris Trotman, Protectivity Underwriting Manager
How much does Public Liability Insurance cost?
At Protectivity policies start at just £3.14* a month.
The cost of professional indemnity insurance depends on several factors, including:
- The type of services you provide and their level of risk.
- Your business size, annual turnover, and client base.
- The level of cover chosen (policies are typically available from £50,000 up to several million).
- Your claims history.
At Protectivity, Professional Indemnity Insurance can be combined with other key protections such as Public Liability, Employers’ Liability, and Legal Expenses – giving you a tailored policy that suits your business needs. Not all policies allow you to add professional indemnity insurance so please check policy documentation to ensure you have the right cover.
Prices from
£3.14* a month
Explainer quote
Policy cost
£3.14* a month
Policy type
Therapy Insurance
Duration
Annual
Turnover
£50,000
Public Liability
£1,000,000
Professional Indemnity
£1,000,000
Third Party Property Damage
£750
This example is based on a real quote from our website on 29/09/2025. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your professional indemnity insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
When should I get professional indemnity insurance?
You should arrange professional indemnity insurance before you begin offering services, advice, or expertise to clients. Claims are usually handled on a “claims made” basis, meaning your policy must be active when the claim is made, not just when the work was carried out. Setting up cover early ensures you’re protected from the start.
Do I need PI insurance as a freelancer or sole trader?
Yes — if you provide professional services, advice, or designs, professional indemnity insurance is highly recommended, even if you’re self-employed. One mistake or allegation could result in costly legal action. Many clients and agencies also require freelancers and sole traders to have indemnity insurance in place before awarding contracts.
What’s the difference between PI and public liability insurance?
The two policies cover different risks:
- Professional indemnity insurance protects you if your professional advice, services, or designs cause financial loss for a client.
- Public liability insurance covers claims for injury or property damage made by third parties, such as customers, suppliers, or visitors.
Most businesses benefit from holding both types of cover for full protection.
Is there a minimum contract value or turnover required to get cover?
No — you don’t need to meet a minimum size to qualify for professional indemnity insurance. You can select the level of cover you need, when you get a quote. Not all policies have professional indemnity cover available. Please check policy documentation to ensure the cover meets your requirements.
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 29/09/2025. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to Sep 2024
ˆ10% discount for policies bought online and applies only to the first-year of your policy premium. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only.
¹Based on live Feefo data