PI insurance explained
Professional Indemnity Insurance, Explained
Plain-English answers to the professional indemnity questions UK professionals actually ask — how cover works, what the wordings mean, and how to choose. Written and reviewed by a specialist broker.
Key concepts and wordings
- Claims-Made vs Occurrence PI Insurance →
- PI vs Public Liability Insurance Explained (UK) →
- Professional Indemnity vs Professional Negligence →
- Costs In Addition vs Costs Inclusive PI Limits →
- PI Insurance vs Cyber Insurance Explained →
- PI vs D&O Insurance: What's the Difference? →
- What Is Run-Off Cover in PI Insurance? →
- What Is a Retroactive Date in PI Insurance? →
- What Is a Limit of Indemnity in PI Insurance? →
- What Is the Excess in PI Insurance? →
- What Is Aggregation in PI Insurance? →
- Circumstance Notification in PI Insurance Explained →
- Fair Presentation of Risk: Insurance Act 2015 →
- Loss of Documents Cover in PI Insurance →
- Dishonesty of Employees Cover in PI Explained →
- What Are Defence Costs in PI Insurance? →
- Territorial & Jurisdiction Limits in PI Insurance →
- Contractual Liability in PI Insurance Explained →
- How Much PI Insurance Do I Need? →
- Do I Need Cyber Insurance As Well As PI? →
- Do I Need Public Liability As Well As PI? →
- What PI Insurance Covers and Excludes (UK) →
- How Does a PI Insurance Claim Work? →
- What Happens If My PI Insurance Lapses? →
- Why PI Premiums Rise at Renewal →
- Claim vs Circumstance: What to Notify & When →
- 'Any One Claim' vs Aggregate PI Limits Explained →
- What Is a Waiver of Subrogation? →
- Mitigation Costs in Professional Indemnity Cover →
- Warranty vs Condition in an Insurance Policy →
- Innocent Non-Disclosure Clause Explained →
- Severability & Non-Imputation Clauses Explained →
- The QC / Senior Counsel Clause in PI Policies →
- Consent to Settle & the Hammer Clause →
- The Insolvency Exclusion in PI Insurance →
- The Deliberate Acts Exclusion Explained →
- What Is a Sub-Limit on a PI Policy? →
- Primary vs Excess Layer PI Explained →
- Top-Up (Excess Layer) PI Cover Explained →
- What Is a Condition Precedent to Liability? →
- Subrogation in Professional Indemnity Insurance →
- Indemnity vs Liability: What's the Difference? →
- Third Party Rights Act 1999 & PI Cover →
- Joint Insured Clauses Explained →
- Principals' Clause & Indemnity to Principals in PI →
- Does PI Cover IP Infringement? →
- Does PI Cover Defamation, Libel & Slander? →
- Data Breach Cover in PI Insurance: The Gap →
- Cross-Liability Clauses Explained →
- Reinstatement of the Limit Explained →
- Late Notification of a PI Claim: Consequences →
- What Is a Continuous Cover Clause? →
- Regulatory Investigation Costs Cover Explained →
- Court Attendance Costs Cover Explained →
- PR & Crisis-Management Costs in PI Cover →
- Vicarious Liability & Professional Indemnity →
- Does PI Cover Sub-Contractor Work? →
- Fitness for Purpose Exclusion Explained →
- Net Contribution Clauses Explained →
- Collateral Warranties and Your PI Cover →
- Novation & PI in Design-and-Build Explained →
- Cladding & Fire-Safety Exclusions in PI →
- The Asbestos Exclusion in PI Insurance →
- Cyber & Silent Cyber Exclusions in PI Policies →
- The Pollution Exclusion in PI Insurance →
- Bodily Injury & Property Damage Exclusion in PI →
- Insured vs Insured Exclusion Explained →
- The Prior Known Circumstances Exclusion →
- Are Fines & Penalties Covered by PI Insurance? →
- Utmost Good Faith in Insurance Explained →
- What Is a Material Fact? Disclosure Explained →
- Underinsurance & the Average Clause Explained →
- What Is an Extended Reporting Period (ERP)? →
- What Is a Coverage Trigger? Claims-Made Cover →
- The 'Wrongful Act' Definition in PI Policies →
- Civil Liability vs Named-Activities PI →
- Claims Cooperation Clauses Explained →
- Hold Harmless & Indemnity Clauses and Your PI →
- What Is Technology PI (Tech PI / E&O)? →
- What Is a Retroactive Date & Why It Affects Cost →
- Proposal Forms & Your PI Cover Explained →
- What Is a Schedule of Insurance? How to Read Yours →
- The Insuring Clause in a PI Policy Explained →
- Run-Off Cover vs Extended Reporting Period →
- Broker vs Insurer vs MGA in PI Insurance →
- Circumstance vs Claim: Notification Explained →
- Trustee Indemnity & PI for Charities →
Comparisons
Claim scenarios
- Professional Negligence Claim Examples →
- Being Sued for Professional Negligence →
- Accountant Negligence Claims: Examples & PI →
- Surveyor Negligence Claims: Real Examples →
- Architect Negligence Claims: Design Examples →
- Solicitor Negligence Claims Explained →
- Engineer Negligence Claims: Design Examples →
- Consultant Negligence Claims: Advice-Error Examples →
- IT Consultant & Developer Claims Examples →
- Designer & Agency Claims: IP and Brief Errors →
- No Professional Indemnity Insurance? What Happens →
- How to Make a Professional Indemnity Claim →
- IFA Mis-Selling & Suitability Claims: How PI Responds →
- Broker E&O Claims: Real Examples Explained →
- Recruitment Agency Claims: Bad-Hire Examples →
- Valuer Overvaluation Claims: Why Lenders Sue →
Other business insurance we broker
- Public Liability Insurance: What It Is & Who Needs It →
- Public Liability vs Employers' Liability →
- Employers' Liability Insurance: The Legal Rule →
- What Is Cyber Insurance? A Small Business Guide →
- What Is Directors' & Officers' (D&O) Insurance? →
- Does a Small Ltd Company Need D&O Insurance? →
- What Is Business Interruption Insurance? →
- What Is Commercial Combined Insurance? →
- Management Liability Insurance Explained →
- What Is Employment Practices Liability Insurance? →
- Office & Business Contents Insurance Explained →
- What Is Contractors' All Risks Insurance? →
- What Does Cyber Insurance Actually Pay For? →
Prefer to just ask a broker?
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