Business insurance for complaint handlers

Consider the nature of the complaints you deal with and the value of client accounts when setting the limits of your professional indemnity insurance. If you deal with financial complaints on behalf of large businesses, then the value of a potential court case could be higher than it would for other firms.

Complaint volume may be worth considering too – whatever your niche, professional indemnity risk is about the value of a worst-case scenario error.

Calculating professional indemnity needs is a personal process for each complaint handling firm. Our guide to setting a PI cover limit explores the issue further.

Office insurance combines covers that may help complaint professionals who rent their premises. This product includes contents cover for your furniture, computers and personal effects and also helps if windows need to be boarded after a break-in, for instance.

It’s possible to purchase equipment breakdown cover as an add-on, which could provide valuable support to a call centre unable to operate due to a broken server, for instance.

Employers’ liability cover becomes relevant if you hire call centre staff, while public liability could be useful if you work in a shared space and encounter people from outside your business.

Hiscox business insurance policies start at £7.85 per month*.

Our approach is tailored, so the cost depends on the policies you include and the limits you set for each. Building your own business insurance policy helps complaint handlers to manage business risks while keeping a handle on the cost.

Some aspects of your quote will also depend on factors such as how closely you interact with the public. Learn more about the cost of business insurance by reading our FAQ.

*Figures based on an average of all business insurance policies sold to at least 10% of our customer base between January 2025 and January 2026