Hiscox Professional Indemnity Insurance can help protect you if claims are brought against you by a client due to problems with work you have done for them.
Our professional indemnity cover protects you against risks such as:
| Risk | Example |
| Negligence | Failing in your ‘duty of care’ to your client, such as giving incorrect advice or making a mistake in your work. |
| Intellectual property | Unintentional infringement of copyright, trademarks or broadcasting rights. This includes any limitation or passing another’s products/services off as your own. |
| Loss of professional documents/data | Includes damaged, missing or destroyed data belonging to a client or business while in your possession. |
| Dishonesty | A director, employee or self-employed freelancer contracted to you is involved in a theft from the client. |
| Defamation | Using or producing any material about other companies that may cause offence and that risks going beyond the intended internal audience, such as using case studies during an internal training session. |
Find the right level of cover for your business
When working out the right level of cover for your business, you should consider the:
- size of the contract and client
- potential cost of your defence costs if it came to the worst
- maximum compensation that could be awarded against you.
For details about our cover, see our professional indemnity insurance information documents >
We offer cover tailored to specific professions, see our profession-specific professional indemnity information >
Need more help?
Call us on 0845 213 8900 for more help if you have more than seven employees or your turnover exceeds £750,000.
Professional indemnity insurance claims
If a client has a problem with your work which is likely to give rise to a claim against your business for compensation, you should let us know as soon as possible. Prompt action could minimise the problem and avoid unnecessary legal costs and distress.
More about how to make a claim >
You should also contact us to let us know if:
- you receive a complaint from a client or realise you have slipped up somewhere and can’t easily resolve the problem
- you receive a series of escalating complaints on a project
- a client withholds payment to you after a complaint
- you become aware of a shortcoming in your work that you can’t easily put right
