When you offer professional advice or services to your clients, this has the potential to cause problems in the future, as any one of them can make a claim against you at any time.

This can happen in a wide range of circumstances, from a client whose website you are designing or a member of your exercise class. If one of your clients has lost money or has been injured and believe your service is to blame, the legal costs could have a severe impact on your company finances.

If you are alleged to have provided inadequate advice or services that caused your client to lose money, Professional Indemnity (PI) Insurance covers legal costs and expenses incurred in your defence. This also includes any damages or compensatory costs that may be awarded.

Even if you have your Public/ Products, Financial Loss and Employers Liability cover in place, these are designed to protect you against physical loss or damage to your customers and their property and financial loss following defective workmanship, and for your employees, disease, illness, injury and accident arising out of them working for you.

Professional Indemnity Insurance or ‘Professional Liability Insurance’, serves to account for the financial repercussions stemming from your errors and omissions in the advice or design which can cause the financial loss you will be responsible for by law.

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