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Professional Indemnity Insurance UK | Specialist PI Cover from an Independent Broker

From sole-trader consultants to multi-partner firms, Artemis arranges specialist professional indemnity insurance for UK professionals who give advice, deliver services, or sign their name to expert work. Independent broker, whole-of-market access across 50+ UK insurers, with proper claims advocacy when a client dispute lands on your desk.

FCA Authorised

BIBA Member

Trusted UK PI broker

Get a Free Professional Indemnity Insurance Quote

Speak to a PI Broker

30+

Year Protecting UK businesses

20+

Specialist sectors covered

95%

Client retention rate

50+

Insurer and Lloyd's partners

1000+

Businesses and professionals insured

Industries We Cover

Types of Professional Indemnity Insurance We Cover

Every profession faces different risks, and a one-size-fits-all PI policy rarely fits any UK professional properly. We arrange specialist professional indemnity insurance across every major UK profession, with cover shaped around the unique exposures, regulatory frameworks, and client expectations of your field.

Specialist PI cover for chartered accountants, tax advisers, and bookkeepers. ICAEW, ACCA, and CIOT compliant cover for the full scope of UK accountancy work.

Learn Accountants PI Insurance

Accountants Professional Indemnity

ARB and RIBA-compliant PI insurance for UK architectural practices. Cover built around design liability, specification risk, and complex project disputes.

Learn Architects PI Insurance

Architects Professional Indemnity

PI cover for management, strategy, HR, and business consultants. Protects against client claims of negligent advice, missed targets, and project disputes.

Learn Business Consultants PI

Business Consultants PI

FCA-compliant PI insurance for independent financial advisers and wealth managers. Specialist cover for regulated advice, suitability claims, and FOS exposure.

Learn IFA PI Insurance

IFAs Professional Indemnity

SRA-compliant PI insurance for UK solicitors and law firms. Built around the SRA Minimum Terms and Conditions, with cover for the full range of legal practice areas.

Learn Solicitors PI Insurance

Solicitors Professional Indemnity

Specialist legal indemnity cover for property transactions, planning issues, restrictive covenants, and title defects. Essential for conveyancers, solicitors, and property professionals.

Learn Legal Indemnity Insurance

Legal Indemnity Insurance

W&I cover for UK mergers, acquisitions, and corporate transactions. Protects buyers and sellers against breaches of warranties and indemnities in deal documentation.

Learn Warranty & Indemnity

Warranty & Indemnity Insurance

Insurances

Professional Indemnity Insurance in 4 Simple Steps

Sorting out professional indemnity insurance shouldn't take days of phone calls, confusing jargon, or pressure to buy a policy that doesn't fit your profession. At Artemis, we've built a simple, transparent process that helps UK professionals get the right PI cover in place quickly, honestly, and with a real broker on your side from day one.

Start With a Free PI Quote

020 8619 5000

01 Tell Us About Your Profession

Start with a quick call or online enquiry. We'll ask about your profession, fee income, the work you do, your clients, and the risks you actually face. No generic forms, no jargon, no sales pressure just a straightforward conversation with a broker who understands UK professional services.

Takes around 10 minutes

03 Review Your PI Options, Get Honest Advice

We'll walk you through the best PI cover options in plain English no insurance jargon, no hidden exclusions. You'll see exactly what's covered, what's not, what the limits mean, and how each policy matches your profession. Choose the PI policy that fits your work, your clients, and your budgetwith honest guidance from a real broker, not a call centre.

Quote reviewed at your pace

02 Whole-of-Market PI Search

Because we're an independent professional indemnity insurance broker with access to 20+ UK insurers and Lloyd's market specialists, we compare PI cover options across the entire UK market ;not just one insurer or a small panel. You get access to specialist PI schemes and broker-only facilities direct sites can't offer.

Done within 24/48 hours

04 Ongoing Support, Renewal Help & Claims Advocacy

Once your PI insurance is in place, we stay on your side. Need to update cover when your profession expands or you take on new work? Need help managing a client dispute or PI claim? Need a free renewal review to make sure you're still getting the best value? That's what a real PI broker does and it's all included in your service at no extra cost.

Real support, whenever you need it

PI INSURANCE COVER

What Does Professional Indemnity Insurance Actually Cover?

Professional indemnity insurance is built around the unique risks of giving expert advice or delivering professional services. Here's a clear breakdown of what a typical UK PI policy covers and what it doesn't.

Exclusions vary between insurers

A good broker will spot the gaps in any policy before you buy. At Artemis, we walk you through inclusions and exclusions in plain English, so you know exactly what's covered before signing.

Get a Real Professional Indemnity Insurance Quote

Skip the generic estimates. Tell us about your profession and work. We'll compare the whole UK market and come back with proper PI cover options.

Get My Free PI Quote

020 8619 5000

Free PI quote, no obligation

Quotes within 1–2 weeks

20+ UK insurers + specialist PI schemes

Real broker, not a call centre

Why Choose Artemis Over a Direct Insurer

When buying professional indemnity insurance in the UK, you've got Two main options: go direct to an insurer or work with an independent PI broker. On price they can look similar but when a client dispute lands, the difference between these Two options becomes very clear, very quickly.

Professional Indemnity Insurance FAQs

Below are the questions UK professionals ask us most about professional indemnity insurance with straight answers from the Artemis broker team. Got a question that isn't covered? Give us a call and we'll answer it honestly.

Professional indemnity insurance also called PI insurance or professional liability insurance is a type of business insurance that protects UK professionals against claims that their advice, services, or professional work caused a client financial loss, harm, or damage. It covers legal defence costs, settlements, and compensation awards. Essential for any consultant, adviser, designer, accountant, solicitor, IT professional, or other UK service provider whose work involves expert judgement or specification.

You almost certainly need professional indemnity insurance if your work involves giving advice, providing professional services, designing or specifying, or making expert decisions on behalf of clients. PI cover is mandatory under the rules of many regulated UK professions (solicitors, accountants, architects, financial advisers), and most modern UK client contracts now require PI cover before they'll engage a service provider. Even where it's not legally required, going without PI cover exposes you to potentially business-ending claims.

The cost of professional indemnity insurance in the UK varies widely based on profession, fee income, cover limits, claims history, and geographic scope. A sole-trader consultant pays very differently from a multi-partner firm, and a regulated profession like law or finance typically pays more than lower-risk consultancy work. Rather than rely on generic estimates, the most accurate way to know what your PI insurance will cost is a free quote from a specialist broker, typically returned Week.

A typical UK PI insurance policy covers negligent acts, errors, or omissions in your professional work, breach of professional duty, breach of confidentiality, defamation or libel, intellectual property infringement, loss of documents, dishonesty by employees, and the full cost of legal defence, settlement, and compensation. Specific cover varies between insurers and a good PI broker spots the gaps before you buy.

Professional indemnity insurance covers claims that your professional advice or work caused a client financial loss (for example, a spreadsheet error or design fault). Public liability insurance covers claims of physical injury or property damage caused by your business activity (for example, a client tripping in your office or your equipment damaging their premises). These are two entirely different covers protecting against two completely different risks most UK professionals need both.

Professional indemnity insurance is not universally legally required, but it's mandatory under the regulatory rules of many UK professions. Solicitors must hold SRA-compliant PI cover. ICAEW-registered accountants must maintain PI. ARB-regulated architects must have PI. FCA-regulated financial advisers must carry PI cover. Even where not legally required, PI is demanded by most modern UK client contracts and procurement frameworks.

The right PI cover limit depends on your profession, contract requirements, and the size of clients you serve. Most UK professionals choose between £1 million and £10 million. Some regulated professions have minimum limit requirements set by their professional body. Larger contracts and corporate clients often require £2 million, £5 million, or higher. An independent broker reviews your contracts and profession standards to recommend the right limit.

Run-off cover is a special type of PI insurance that protects you against historic claims after you've stopped trading. Because professional indemnity claims can be made years after the original work was done, retired professionals, business sales, and firm closures need run-off cover to remain protected. Most regulated professions require run-off cover for 6 years or more after ceasing practice and arranging it requires specialist broker knowledge.

Switching PI cover partway through your current policy term is not usually something we would arrange, as most PI policies run for a fixed period and are best reviewed at renewal. The more practical approach is to get in touch ahead of your renewal date, when we can review your existing cover, identify any gaps or overlaps, and compare options across our panel of UK insurers to make sure your policy still fits your business. If your circumstances have changed significantly mid-term, speak to us and we'll talk through the options available to you.

Let's Get You Properly Protected

Get a free, honest professional indemnity insurance quote from the Artemis team. We'll compare the whole UK market, build a PI cover that fits your profession, and make sure you're properly protected when a client dispute lands.

Get My Free PI Quote

020 8619 5000

Mon–Fri, 9am–5pm

Free Quote

No Obligation

Honest Advice

Professional Indemnity Insurance UK | Specialist PI Cover from an Independent Broker