When mistakes happen, make sure you’re covered.
Quick, Simple, Hassle-free
Professional Indemnity Policy features
Up to £5million worth of cover available
Experienced PI broker with access to unique UK insurer schemes
Dedicated customer service, support with a UK based contact centre
Monthly instalments available*
Public & Employers Liability Extension
Instant Policy Documents
*We offer a direct debit payment plan, subject to a minimum premium of £150 including the initial deposit.
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Looking for a new Professional Indemnity (PI) insurance policy? Need help with your existing Professional Indemnity cover? If the answer to either is yes, then here at Black and White we can help you out.

In its simplest form, Professional Indemnity (or PI) insurance is a specialised form of cover which offers protection in the unfortunate event that a paying client or customer brings a claim against you due to recommendations or services that you have provided, which causes them a financial loss.

Depending upon the industry in which you work, Professional Indemnity may be a mandatory requirement. However, because this is down to the individual regulatory bodies it isn’t always essential although may be recommended.

In jobs where advice and recommendations are commonplace, there is always the potential of things not going according to plan. An example would be where an architect has miscalculated measurements on a set of blueprints, which resulted in problems during construction, which had a financial impact upon the build.

This isn’t unheard of and can happen to anyone no matter their level of experience in their role. That is why Professional Indemnity insurance is so important. It can help reassure you, that when things may go accidently wrong, the implications for you both personally and professional will be less profound.

The costs of mistakes can be high when you add up the legal fees, expenses and compensation costs, that’s why we can offer you cover with £5 million worth of protection. Don’t take the risk, consider getting yourself insured.

A Professional Indemnity insurance policy could protect you and your career against claims arising from:

✔ Breach or proven negligence of your professional duty
✔ Negligent misstatement or misrepresentation
✔ Libel, slander or defamation
✔ Infringement of intellectual property rights
✔ Breach of confidentiality including data
✔ Accidental transmission of a computer virus
✔ Employee dishonesty

What is Professional Indemnity Insurance?

Professional indemnity insurance is a form of business insurance designed to protect you and your profession against financial and legal claims from clients who have suffered a financial loss due to potential professional negligence and poor advice. It differs from Public and Employers liability cover in that it is designed to protect you, the policyholder, rather than the claimant.

Cover could also include protection against intellectual property infringement, claims of dishonesty or defamation, and those relating to loss or inappropriate use of documents or data.

Do I need Professional Indemnity Insurance?

For some industries Professional Indemnity insurance is a legal requirement, for others it should be a serious consideration. It’s always worth checking with your regulatory body to ensure you are falling on the right side of the law.

What does Professional Indemnity Insurance cover?

Professional Indemnity insurance can cover an array of potential risks. As a professional, it’s important that you check your needs and marry those with the appropriate level of cover. You can take a look at some of the risks by clicking below.

How much does Professional Indemnity Insurance cost?

There are a number of factors which could affect the costs of a Professional Indemnity insurance policy. These risks include but aren’t limited to the size of your business and the general risks associated with your industry.

What are the legal and financial risks of not having Professional Indemnity Insurance?

If you do not have appropriate Professional Indemnity insurance in place you are potentially leaving you and/or your business exposed to financial claims brought against you by your clients or third parties for work you carried out or advised on.