insurance solutions
Professional Indemnity Insurance
Protecting your professional advice and reputation
How we help you protect your business
One misunderstanding or mistake can quickly become a costly claim, so Professional Indemnity Insurance helps safeguard your business when your advice or service is called into question.
When clients rely on your advice, design or professional services, even a small misunderstanding can escalate into a dispute. Professional Indemnity Insurance is there to help when your work is alleged to have caused financial loss, errors or omissions.
From sole practitioners to national firms, we work to match cover to how you actually operate, the contracts you sign and the expectations your clients have of your work. Our goal is to help you understand your options so you can choose a PI program that supports the way you do business.
Our Professional Indemnity support includes:
- Reviewing existing PI policies and limits
- Considering retroactive dates, run-off cover and key exclusions
- Aligning insurance with client and contractual requirements
- Looking at excess levels and limit structures that fit your risk appetite
- Coordinating PI with other covers, such as Public Liability and Cyber
- Providing clear explanations in plain language, not legal jargon
Professional Indemnity risk is rarely about one clause in a policy.
It often arises where expectations are unclear, records are incomplete or outcomes differ from what a client had in mind. We focus on how work is scoped, delivered and documented, because that is where many claims begin.
Across different professions we pay attention to how you price your work, who signs off on advice and how you manage variations, subcontractors and client approvals. This helps us highlight where insurance can support your existing risk controls rather than replace them.
Some of the common exposure areas we consider:
- Advice that leads to cost overruns, delays or rework
- Design errors, calculation mistakes or missed defects
- Misstatements in reports, valuations or certifications
- Failure to warn, inadequate disclosure or poor communication
- Gaps in file notes, emails and client approval records
- Reliance on subcontractors or external consultants
- Breach of confidentiality or mishandling of sensitive information
How We Can Help You
Practical support for your PI program
A Professional Indemnity program is not set and forget. As your projects, fee structures and client base change, your cover should keep pace. We provide practical support at placement, renewal and at claim time so you are not navigating the process alone.
We can help you:
- Review your current PI arrangements and identify potential gaps
- Prepare clear submissions that present your practice positively to insurers
- Test the market where appropriate to seek competitive terms
- Work through endorsements and conditions so you understand what is and is not covered
- Assist with claim notifications and help you communicate with insurers when issues arise
Coverage designed for your risks
Your professional indemnity needs go beyond a single policy. We provide a flexible suite of protections that can be tailored to your business structure, industry, and leadership team. Our solutions include:
Claims of negligence
If a client suffers financial loss due to your work.
Failure to meet professional standards
If a client claims your work was not delivered to an acceptable standard, your policy can help manage the legal process and financial outcome.
Misleading advice or miscommunication
Covers claims where a client believes they were misinformed or misled by your guidance.
Legal costs and settlements
Provides support for defending your business and managing settlement or compensation expenses.
The PSC Difference
Practical guidance, real advocacy, better outcomes
We have the size and scale to help you
Protect your professional reputation, protect your business.
Whether you are setting up your first PI policy or want a fresh look at an existing program, PSC Insurance Brokers can help you understand your options and next steps.
