Professional Indemnity Insurance

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Getting Professional Indemnity Insurance for Your Business

You may be aware that there are different kinds of business insurance available on the market, which can end up a little confusing as to which one you should decide to pick. However, Proper Finance is here to help you out. In this guide, we are going to tell you everything you need to know about professional indemnity insurance.

What Is Professional Indemnity Insurance?

Professional indemnity insurance is specifically designed in order to help you cover the cost of compensation claims that could end up being made against you by a client. Why may this happen? It could very well happen for a number of reasons. For example, you could have a compensation claim filed against you because their company has suffered as a result of your work or professional advice that was given.

When Do You Need Professional Indemnity Insurance?

It is not necessarily the case that this kind of business insurance is required for all companies. This is because it will depend on the kind of work you typically do, as well as the industry you work in. However, generally speaking, you may well require professional indemnity insurance if you work in the following professions:

  • Personal trainer
  • Private doctor
  • Private nurse
  • Freelancer
  • Consultant
  • Recruiter
  • Tutor
  • Consultant


When we speak about doctors or nurses potentially needing professional indemnity insurance, we specifically refer to those in the private sector. This is because if you work only in the NHS, then you will find it is usually the case that your practice will have already covered you. Nevertheless, don’t take this for granted: always check that this is the case, or you may have to take out this kind of insurance for yourself.

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What Is the Difference Between Professional Indemnity and Public Liability Insurance?

You may very well be asking yourself the question as to what are the differences between these two categories of business insurance. Professional indemnity is cover for reputational or financial losses as a direct result of your work. Whilst public liability specifically covers you for physical property damage or injury as a result of the work you have carried out.

Looking to apply for professional indemnity insurance today? You have come to the right place. All you need to do is click now on our website and Proper Finance can sort out finance with you quickly and efficiently. An application form with us takes less than 10 minutes in total to complete.

What Is Covered by Professional Indemnity Insurance?

Advice or consultation

Advice or consultation that you or your company has provided which has ended up with your client losing money or potential business as a consequence.

Losses to a third party

That have occurred as you have shared confidential information without providing consent.


A company’s reputation because of the advice you have given or work you have carried out.


Mistakes that you have made in your work, which have resulted in your client losing business or money as a consequence.

Losses or damages to happen to a third party

Which are a direct consequence of your company incorrectly using copyright-protected material.

Other losses

Losses that have been provoked as a direct result of something you have said or written about a client, which has been shown to damage their company or reputation.

How Long Does It Take to Get Insured?

If you decide to make an application with Proper Finance, then it is possible for one of the partners that we work with to provide you with insurance coverage on the very same day as applying.  However, this is not always the case when it comes to some types of business insurance as each company we insure has different circumstances and requirements. As a result, we may need to contact you to obtain further details.

What Information Will I Need for Professional Indemnity Insurance?

Currently, when making an application for insurance with Proper Finance, you will only need to provide a certain set of specific details (such as your name, address, contact details and some other basic bits of information) when you initially apply. However, at a later date, one of our partners from the insurance companies we work with will call you to then gain further details from you, in order to find the best insurance policy for you.

This means that we are able to get you professional indemnity insurance cover as quickly and as efficiently as possible. You won’t have to deal with the stress and the hassle of having to fill out a long, tedious application form with lots of questions, as Proper Finance helps you to get exactly what you need as soon as possible.

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