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Download our Terms of Business document.

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Business and Management Consultants

Your Risks

Clients seek your specialist advice because they view you as an expert. Unfortunately, when things go wrong it's often the expert that bears the blame. These days your client is more likely to sue you than ever before. You could very easily find yourself in an unpleasant legal situation. Alternatively if they just decide not to pay for your services because they are unhappy with your work, you could be left with some crippling bills.
You may not wish to pursue the debt for fear of destroying your valuable client relationship. That's where this policy comes in. When things go wrong your Professional Indemnity Insurance will protect your financial interests. This specialist policy can also protect your professional reputation and, most importantly, your relationship with your clients.

You're Covered

This policy has been specially designed to protect the unique relationship a professional has with their client and therefore has several outstanding features which you would not find under a standard policy. In addition to providing a very wide level of base cover, the policy is designed to protect your commercial relationships. For example within the mitigation of loss cover, to avoid a larger valid claim being made under the policy where a project has gone wrong:

  • The policy will pay fees due to you where your client refuses to pay
  • the policy will pay the sub contractors you are committed to paying.

  • In addition to this our plain English policy wording includes:

  • Broad civil liability cover - if it's not excluded, it's covered.
  • Fidelity - The policy covers you for your own losses arising from the dishonesty of your employees or contractors.
  • Loss of documents - The policy covers the rectification costs of lost or damaged documents or data of a professional nature.
  • Intellectual property - The policy covers you for infringing others’ rights including copyright, music rights, trademark, infringement of title, broadcasting, cable or satellite rights, moral rights or an act of passing off.

One Policy For All Your Business Requirements

This is a suite of insurance modules we have developed for Professionals giving you the flexibility to meet all of your insurance needs in one policy. Modular covers include:

  • Professional Indemnity
  • Employers’ Liability
  • Public liability
  • Employment Practices Liability
  • Directors and Officers Liability
  • Internet
  • Property insurance
  • Computer
  • Consequential Loss



  • A terms of business document must be completed and returned with the proposal form.