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Professional indemnity insurance

  • Nobody wants to make a mistake in their work. Worse still – nobody wants a client or someone else to be out of pocket because of it.

    That’s where professional indemnity insurance comes in. You’ll need it if you provide a professional service or give advice. Choose AXA, and you’ll save 10% when you buy online.

  • What's covered by the policy?

    • Up to £5 million protection – to cover compensation and costs payable to whoever is making the claim against you.
    • 10% discount when you buy online.
    • All legal defence costs paid – if a claim is made against you, including solicitors and expert counsel if required.
    • Compliant policies – for members of selected professional bodies, we provide policies compliant with their requirements.
    • Choice of cover levels and excesses – we will pay up to the cover level you choose and you set the excess.

    All policy documents are stored in an online My AXA Account, so you can access them any time at the touch of a button. And when you need us most, our award-winning claims service* is there to help you get back on your feet.

    Who do we cover?

    Your business may require professional indemnity insurance if:

    • It gives advice to clients
    • It provides a professional service
    • It handles confidential information
    • It uses copyrighted material or intellectual property belonging to others
    • You belong to a professional body where professional indemnity insurance is compulsory
    • A client insists your business has it before they offer you work

    Paying to correct a mistake you've made or defending yourself when the quality of your work is questioned could put you out of business.

    Policies compliant with your professional body

    Many professional bodies check that you have professional indemnity insurance before allowing you to join them. We can provide policies compliant with the requirements of the ICAEW, ICAI, ICAS, RICS, RIBA and RIAS among others.

    What can I add?

    Get a quote online and you can choose optional extras like cover for defamation, breach of confidentiality, copyright infringement and more. Simply start a quote, view the options and choose what you need.

  • Claims relating to past work can have a serious impact on the future of your business or ruin your retirement. AXA gives many businesses the flexibility to choose a date in the past to protect previous work. So if a new claim is made while your policy's in force against work carried out from the date you choose, it's reassuring to know you're covered by AXA.
  • Your business could face expensive legal fees and compensation claims for failing to keep sensitive third party information secure and secret from others. We can provide cover if you unintentionally disclose confidential information.
  • If someone feels your business has made a written or spoken statement which could affect the public's perception of them, they could make a claim against you for libel or slander. Protect your business from the risk of compensation claims and legal costs.
  • Your business could face legal and compensation costs if you unintentionally use legally protected intellectual property, such as brand names or copyrighted information, without permission. We can help if a claim is made against you.
  • Fraud or dishonesty by someone working for you can be very costly, and not just to your reputation. If a civil liability claim is made against your business because of the dishonesty of an employee, we will cover your legal and compensation costs.
  • We provide cover if your business activity causes injury to anyone (other than an employee) and a claim is made against you**.
  • It can be difficult and expensive to replace printed documents or electronic data. We can cover the cost of replacing or restoring any client documents in your care which are lost or damaged.
  • If we're helping you to defend a professional indemnity claim in court, we can also pay for you to be there. Your business can benefit from expenses for each working day we require you or a representative of your business to attend court.
  • More policy information

    AXA professional indemnity insurance:

    Policy summary

    Policy wording

  • * Following the 2011 riots in the UK’s major cities, we were recognised with a leading industry award for the quality of support we gave to affected businesses (July 2012, British Insurance Awards, Major Losses category).

     **These are claims that result directly from your business activities. To cover claims that arise indirectly (for instance, if you spill hot water on someone while making tea), you’ll also need a public liability policy.

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