Professional Indemnity

Professional indemnity insurance protects businesses that provide advice or professional services against claims of negligence, mistakes, or breaches of confidentiality that result in a client’s financial loss.

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Professional Indemnity Insurance for Contractors

You should consider taking out a professional indemnity (pi) insurance if your business gives advice or offers a professional service to another business. Professional indemnity insurance covers you if you are deemed to be negligent or make a mistake which causes a client’s business to suffer a financial loss.

For example, were an architect to make a mistake in the plans for a construction project and it is only discovered once the building work is underway and the materials have been purchased, the client would be likely to lose money through time required for re-building and the cost of wasted materials. The architect would be liable for this cost.

Types of business that often take out professional indemnity insurance include; accountants, IT consultants, business consultants, journalists, architects, financial advisors, engineers and many more.

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Our Simple Three-Step Process

Answer Questions
You’ll receive a series of questions to answer to give us more information.

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We’ll contact you within 48 hours to discuss your insurance quote and get set up.

An example of a claim

An employee accidently sends an email containing confidential information to an incorrect party. The customer sues the firm for breach of confidentiality.

What did the insurance company pay?
The professional indemnity claim, costing £35000 including legal costs, was covered by the insurance policy.

What did the insurance not cover?
A £250 excess, plus the cost of loss of reputation of the firm and loss of future contracts from that customer.

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See What Our Customers Say

Corporate

“Running a construction business comes with enough challenges, so having a broker who makes insurance simple is a huge relief. They explained everything clearly, found us the right cover, and are always on hand when we need them. It gives us real peace of mind on every job.”

Kelly, Creative Building Projects Ltd

Tradesman

“Reliable, knowledgeable, and easy to deal with. They understand the construction industry and made sure we had the right cover in place from day one. Highly recommended.”

Tom, Do It All Construction

Corporate

“CHAS Insurance have been our ‘go to’ broker for the past 6 years and have always provided a stress-free renewal process with very competitive rates.”

Steve, Valley Provincial Ltd

Tradesman

“As a small business owner, having the right insurance is essential. They took the time to understand our needs and tailored a policy that gives us real peace of mind. Their customer service is responsive, friendly, and genuinely helpful. It’s refreshing to deal with an insurance provider that actually cares.”

Adrian, Padmans Builders

Corporate

“As a business, finding reliable insurance is non‑negotiable, and this company exceeds this. Their team take the time to understand our operations, identify potential risks, and build a policy that fits how we work—not just a generic package. The best part about our experience with Chas Insurance is that they always go above and beyond to make sure our needs are met and they are very responsive to any questions we may have.”

Sandra – Electroplan

Tradesman

“CHAS Insurance provided us with excellent service when arranging our liability insurance. They secured great cover at a competitive premium and made the whole process straightforward and hassle-free.”

Pankhurst & Clark Tiling Contractors Ltd

What level of professional indemnity cover do you need?

In many cases your client will dictate the level of professional indemnity insurance that they require. Should this not be the case, it is always worth finding out their level of expectations with regards to professional indemnity insurance prior to taking on any work.

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