Get a quote for Professional Indemnity Insurance

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To provide this service we've chosen to work with Gallagher, one of the UK's largest brokers.

What is Professional Indemnity Insurance

Professional Indemnity Insurance, also known as indemnity insurance or PI, provides cover to protect you if claims are brought against you by a client. PI insurance can help to put mistakes right and cover any legal costs if a client alleges you have provided inadequate service or advice.

Many professional bodies require their members to hold professional indemnity insurance and large industries and companies will more often than not, insist that you have adequate PI cover before you are able to undertake work for them.

You should consider Professional Indemnity Insurance if you:

  • give advice or offer a professional service that can be challenged
  • handle data or intellectual property
  • are considered to be a professional, specialist, expert or authority in your field

Do your customers visit your premises, or do you ever meet at their offices or homes?

If so then you may also need Public Liability Insurance to protect you in the event of an accident or injury to your customers or members of the public.

To get a combined Liability and Indemnity quote, call 0345 377 0002 to speak to specialist advisors who can advise you on the cover you need to protect your business.

Lines available from 9am to 5pm Monday to Friday

How can Lloyds Bank Business Insurance Services help you protect your business?

We know your business is important to you, and keeping it safe and secure will allow you to focus on the important day to day tasks. We have chosen to partner with Arthur J. Gallagher Insurance Brokers Limited, one of the UK’s largest insurance brokers. They have access to a panel of leading insurers both online and over phone. And if you need help to get the right cover for your business, their experienced insurance agents can help.

If you do any of following activities please call  for a quote

  • Architecture
  • Design and Construction
  • Surveying
  • Engineering
  • Insurance Brokers

Talk to an Insurance Specialist

Call 0345 377 0002

Lines are open 9am-5pm Monday to Friday excluding Bank Holidays.

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Combined Professional Indemnity and Public Liability cover

Get combined indemnity and liability quotes from a panel of selected insurers, to protect your business in the event of a claim.

Call 0345 377 0002

Lines open Monday to Friday 9am - 5pm

What is professional indemnity insurance? The complete guide

Everything you need to know about Professional Indemnity insurance, what does it cover, who needs it and the key things you should know.

How much Professional Indemnity Insurance cover do I need?

Unsure how much indemnity cover you may need?

Do I need Professional Indemnity Insurance?

Professional Indemnity Insurance is designed to cover many different professions.

Examples of professional indemnity insurance claims

General claims

  • Losing or misplacing confidential documents.
  • Accidentally sending an email to an unauthorised person, leading to your client suing you for breach of confidentiality.
  • Using a copyrighted image or photo without getting the appropriate rights or licence.


  • Advising a client regarding the transfer of funds to family members, and the client later becoming liable for paying capital gains tax.
  • Failing to carry out a required audit.

Engineers and tradesmen

  • Making a mistake in measurements that results in additional costs to rebuild, or causes damage during or after construction.
  • Installing lighting that is later found to be non-compliant with regulation, and therefore needs to be redone.
  • Designing a machine that proves inadequate to cope with the weight of items it is meant to produce.

Media professionals

  • Designing and running a direct marketing campaign, where the brochures were wrongly addressed. The client claims damages for loss of revenue.
  • Creating work using the wrong Pantone colour for the client’s logo, with client claiming costs to reproduce the work.

Estate agents

  • A client claiming that you undersold a property, and several months later it’s resold for 120% of the previous price.

Quantity surveyor

  • A surveyor forecasts cost for the construction of a number of restaurants at the start of each project. The client claims that the monthly and year-end costings and forecasts were inadequate, making the contracts non-viable.

Travel agents

  • Failing to arrange travel insurance for a client who falls ill while on holiday in Africa, claiming medical bills and expenses.

Safety consultants

  • A person injuring himself by falling from scaffolding you approved.

Interior designers

  • Designing the layout of office premises and the client claiming that this was not in accordance with their requirements.

Town planners

  • Giving the wrong advice about planning permission on a plot of land.

Need advice

If you’re not sure what you need, call to speak to experienced insurance advisers, to get the Indemnity and liability insurance you need.

0345 377 0002

Lines available from 9am to 5pm Monday to Friday

Get a Professional Indemnity Quote online

Online quote provided by HCC - a specialist Professional Indemnity insurer

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Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.

Important Legal Information

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

The products and services outlined on this site may be offered by legal entities from across Lloyds Banking Group, including Lloyds Bank plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc and Lloyds Bank Corporate Markets plc are separate legal entities within the Lloyds Banking Group.

Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no.2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively.

We adhere to The Standards of Lending Practice which are monitored and enforced by the LSB:

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.