Key features
A Hiscox professional indemnity policy includes the following cover as standard:
- Negligence – or breach of duty of care
- Defamation – libel and slander
- Privacy – cover for breach of confidence or disclosure of a client’s confidential information
- Infringement – of intellectual property rights
- Rectification – we cover the costs (up to a specified limit) of putting right lost or damaged non-electronically held professional documents
- Court attendance – if your client or an employee has to attend court in connection with a covered claim, we will cover their costs up to a specified limit
- Dishonesty – we may cover your client against dishonesty of their partners, directors, employees and contractors where this causes them either a direct loss of their own funds or liability for their client’s funds
Professional indemnity cover in our sectors
Marketing, Media & Creative
Core appetite (Risks we love): A wide array of both B2B marketing and commercial film production businesses alongside B2C content production companies including but not limited to specialist interest; health & fitness; trade press; business; comedy; sports; education; technical, current affairs; and gossip.
Broader appetite (Risks we like): Music publishers; Individual artists or bands; Record labels; Podcasters; Authors and self-publishers; Influencers and vloggers; Film and TV distributors; Composers; Programmatic advertising or real-time bidding activities.
Edge of appetite (Risks we'll try our best to find a way): News photographers or paparazzi; Programmatic or real-time bidding platforms.
Our capabilities:
- Limits of indemnity up to £10 million
- Capacity providers in the UK, Europe, and internationally via Lloyd's
- Primary and excess layer placements
Key features & benefits:
Specific B2B wording for marketing companies and creative companies providing the following cover:
- Broad breach of contract, breach of advertising codes and consumer protection
- Full civil liability
- Automatic cover for claims brought against you for the activities of subcontractors and freelancers
Specific B2C wording for multi-media companies providing:
- Automatic cover for claims brought against you for the activities of subcontractors and freelancers.
- Full civil liability
- Automatic cover for claims brought against employees, freelancers and subcontractors
Technology
Our appetite for technology business is incredibly broad, spanning multiple technology sub-sectors such as AI, cyber-security, analytics, fintech, hardware, software, and telecomms.
Our capabilities:
- Limits of indemnity up to £10 million
- Capacity providers in the UK, Europe, and internationally via Lloyd's
- Primary and excess layer placements
Key features & benefits:
We recently updated our Technology PI wording. Key areas of the policy that have evolved:
- Affirmative AI - explicit cover for those who use, build and advise on artificial intelligence
- Greentech - affirmative cover for those who utilise technology to minimise environmental impact, promote sustainability or conserve natural resources
- Globalisation - helpful automatic extensions for acquisitions, subrogation waivers, additional insureds and overseas support staff for customers scaling internationally
Click here to read more about our updated Technology PI wording.
Events & Event Organisers
We have a broad core appetite for B2B event organisers. Our edge of appetite is the organisation of international or virtual events.
Our capabilities:
- Limits of indemnity up to £10 million
- Capacity providers in the UK, Europe, and internationally via Lloyd's
Key features & benefits:
- Broad breach of contract cover
- Full civil liability
- Automatic cover for subcontractors or freelancers
- Automatic cover for claims against principals and venue owners/operators
Health, Beauty & Wellbeing
Core appetite (Risks we love): Talking professionals; Beauty & aesthetics; Private ambulance; Dental professionals; Occupational health; Recruitment; Optician risks.
Broader appetite (Risks we like): Psychiatry; Dermatology; Manipulative therapies
Edge of appetite (Risks we'll try our best to find a way): Domiciliary care, Surgical beauty treatments
Our capabilities
- Limits of indemnity up to £10 million, in the aggregate
- Capacity providers in the UK, Europe, and internationally via Lloyd's
Key features & benefits
- Cover is provided for bodily injury, mental injury, illness, disease or death arising from your client’s business activities, or as a result of a good Samaritan act
- Cover will indemnify your client for both the legal costs of defending an action and any subsequent damages
- Cover for medical related professional indemnity is included within our cover as standard
Sports & Leisure
Businesses in this sector will not always have a professional indemnity exposure and will therefore not often purchase this cover. However, should there be a need for this cover we have a broad appetite for PI and should be able to accommodate.
Our capabilities:
- Limits of indemnity up to £10 million
- Capacity providers in the UK, Europe, and internationally via Lloyd's
Key features & benefits:
Third party cover (for business activities and advertising):
- Any one claim limit with defense costs paid in addition to the limit, Cover for the policyholder’s own advertising and website, Intellectual property with no inner limit, Mitigation of loss cover
First party cover:
- Employee dishonesty
- Court attendance costs
Training & Tutors
- Core appetite (Risks we love): Professional training firms; NVQ trainers (classroom and manual); Part-time teachers, tutors and lecturers; Academic publications; Corporate training; Professional bodies; NVQ accreditors.
- Broader appetite (Risks we like): Colleges; Universities
- Edge of appetite (Risks we'll try our best to find a way): We can insure organisations involved in most types of activity in this sector
Our capabilities:
- Limits of indemnity up to £10 million
- Capacity providers in the UK, Europe, and internationally via Lloyd's
Key features & benefits:
Third party cover (for business activities and advertising):
- Any one claim limit with defense costs paid in addition to the limit, Failure to educate - one of the key specific covers for the education sector, Cover for the policyholder’s own advertising and website, Complaints to governing bodies, Intellectual property – no inner limit, Mitigation of loss cover
First party cover:
- Employee dishonesty
- Court attendance costs
Consultancy & Professional Services
Core appetite (Risks we love): Accountants; Management Consultants; Health & Safety Consultants; Recruitment Consultants; Sustainability Consultants; Specialist Consultants
Broader appetite (Risks we like): Insurance Brokers; Fire Safety Advice; Umbrella Companies; Associations; FCA Regulated firms
Edge of appetite (Risks we'll try our best to find a way): Solicitors; Independent Financial Advisors; Secondary Intermediaries
Our capabilities:
- Limits of indemnity up to £10 million
- Capacity providers in the UK, Europe, and internationally via Lloyd's
Key features & benefits:
Third party cover (for business activities and advertising):
- Specialist wording variants for Accountants, Management Consultants, Health & Safety Consultants, Recruitment Consultants, Sustainability Consultants, and Insurance Brokers
- Flexible limit options
- Cover for the policyholder’s own advertising and website
- Intellectual property – no inner limit
- Mitigation of loss cover
First party cover:
- Employee dishonesty
- Court attendance costs
Charity, Not for Profit & Public Sector
Businesses in this sector will not always have a professional indemnity exposure and will therefore not often purchase this cover. However, should there be a need for this cover we have a broad appetite for PI and should be able to accommodate.
Our capabilities:
- Limits of indemnity up to £10 million
- Capacity providers in the UK, Europe, and internationally via Lloyd's
Key features & benefits:
Third party cover (for business activities and advertising):
- Any one claim limit with defense costs paid in addition to the limit, Cover for the policyholder’s own advertising and website, Intellectual property – no inner limit, Mitigation of loss cover.
First party cover:
- Employee dishonesty
- Court attendance costs
Specialist & Independent Retail
Businesses in this sector will not always have a professional indemnity exposure and will therefore not often purchase this cover. However, should there be a need for this cover we have a broad appetite for PI and should be able to accommodate.
Our capabilities:
- Limits of indemnity up to £10 million
- Capacity providers in the UK, Europe, and internationally via Lloyd's
Key features & benefits:
Third party cover (for business activities and advertising):
- Any one claim limit with defense costs paid in addition to the limit, Cover for the policyholder’s own advertising and website, Intellectual property – no inner limit, Mitigation of loss cover
First party cover:
- Employee dishonesty
- Court attendance costs
Trades, Construction & Engineering
Core appetite (Risks we love): Interior Designers; Architects (<£1m); Engineers (Building Services); Design & Construct
Surveyors (<£500k turnover)
Broader appetite (Risks we like): Engineers (Structural); Engineers (Mechanical); Geotechnical; Large Project Responsibility; Fire Safety Contractors
Edge of appetite (Risks we'll try our best to find a way): Design & Manufacture of Cladding; Large Civil Engineering Projects
Our capabilities:
- Limits of indemnity up to £10 million
- Capacity providers in the UK, Europe, and internationally via Lloyd's
Key features & benefits:
- Specialist wording variants for Design & construct, Engineers and Surveyors
- RICS wording variant for surveyors
- Mitigation of loss cover for engineers
- Civil liability cover for engineers
- Any Other Cover limit options
Property Owners & Management
We will write cover for service providers in this sector, notably management and maintenance. We don't have appetite for property owners or developers.
Core appetite (Risks we love): Estate & Lettings Agents; Property Managers
Broader appetite (Risks we like): Block Management; Fire Safety Services
Edge of appetite (Risks we'll try our best to find a way): Survey & Valuation for Lending
Our capabilities:
- Limits of indemnity up to £10 million
- Capacity providers in the UK, Europe, and internationally via Lloyd's
Key features & benefits:
Third party cover (for business activities and advertising):
- Any one claim limit with defense costs paid in addition to the limit, Cover for the policyholder’s own advertising and website, Complaints to the ombudsman, Intellectual property – no inner limit, Mitigation of loss cover.
First party cover:
- Employee dishonesty
- Court attendance costs
Why choose Hiscox?
1
Exceptional claims service We are extremely proud of the exceptional claims service we provide – we have consistently achieved a +77 Net Promotor Score across 2024, which means our customers are highly likely to recommend us.
2
Award-winning service We’ve been awarded a 5-star Defaqto rating for the past 14 years. We’re also proud holders of the Feefo Platinum Trusted Service Award.
3
Hassle-free cover
Your clients can organise interest-free payments for when it suits them, with one simple monthly payment, with no administrative fees or charges.
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