PI insurance requirements by professional body

Most professional indemnity requirements in the UK are set by a regulator or professional body, not by the insurer. The minimum limit, the wording that must be used, the run-off period and the aggregation rules all come from the body that licences the profession — and they differ materially between them.

This index collects 133 Apex reference pages covering 16 regulators and professional bodies. Each page cites the governing rule, code or minimum terms document it describes.

SRA — Solicitors Regulation Authority

Requirements affecting solicitors · 39 pages

• Aggregation under SRA Minimum Terms clause 2.5
• Aggregation under the SRA Minimum Terms explained
• Cyber and PI overlap under the SRA MTC: how solicitor firms should think about the two policies together
• SRA Minimum Terms and Conditions Explained
• SRA Minimum Terms: A Clause-by-Clause Walkthrough
• Innocent partner defence under SRA MTC: how it protects the firm
• R (Sheikh) v Solicitors Regulation Authority
• R (Sheikh) v Solicitors Regulation Authority
• OISC/IAA vs SRA route for immigration PI — a comparison
• SRA Qualifying Insurers PI — What Makes an Insurer a Qualifying Insurer
• Solicitors successor practice rules: SRA MTC and PI cover on merger, split or takeover
• SRA Minimum Terms and Conditions: what PI cover solicitors must have
• SRA MTC 2027 — what solicitors should expect
• SRA MTC aggregation in conveyancing: when related transactions become one claim
• SRA MTC clause 2.5
• Cessation and the run-off trigger under the SRA MTC
• SRA MTC continuous cover clause: solicitors PI backstop when insurers decline
• Defence costs under the SRA MTC: cover in addition to the limit
• Excess mechanics under the SRA MTC
• Innocent principals and the dishonesty carve-back in the SRA MTC
• The SRA MTC insuring clause: civil liability cover explained
• Non-avoidance and non-cancellation under the SRA MTC
• Permitted exclusions under the SRA MTC: the closed list
• Subrogation and recovery restrictions under the SRA MTC
• Successor practice under the SRA MTC
• Who is an insured under the SRA MTC?
• SRA qualifying insurers for solicitors PI 2025/26
• SRA Qualifying Insurers PI — What Makes an Insurer a Qualifying Insurer
• SRA Qualifying Insurers PI — What Makes an Insurer a Qualifying Insurer
• Cessation and the run-off trigger under the SRA MTC
• Defence costs under the SRA MTC: cover in addition to the limit
• Excess mechanics under the SRA MTC
• Innocent principals and the dishonesty carve-back in the SRA MTC
• The SRA MTC insuring clause: civil liability cover explained
• Non-avoidance and non-cancellation under the SRA MTC
• Permitted exclusions under the SRA MTC: the closed list
• Subrogation and recovery restrictions under the SRA MTC
• Successor practice under the SRA MTC
• Who is an insured under the SRA MTC?

BSB / Bar Mutual — Bar Standards Board and Bar Mutual

Requirements affecting barristers · 5 pages

• Barristers and PI insurance: the BSB and Bar Mutual (BMIF) explained
• Barristers' PI insurance and the Bar Standards Board — a broker's guide
• Barristers' PI cover and the Bar Mutual Indemnity Fund (BMIF)
• PI insurance for UK barrister chambers — the chambers-level cover conversation
• Professional Indemnity Insurance for Barristers

ARB — Architects Registration Board

Requirements affecting architects · 14 pages

• Aggregation in ARB and RIBA architect PI wordings
• ARB and PI insurance: what the Architects Code requires
• ARB Code of Conduct and Practice: the PII requirement for UK architects
• ARB minimum PI cover for architects
• Architects Professional Indemnity Insurance — The Complete UK Guide 2026
• ARB PII minimum limit for architects: adequacy, not a fixed figure
• ARB PII run-off cover for architects: how long and when to extend
• ARB post-BSA 2022 guidance 2027 — architects PI
• Aggregation clauses in architect PI: ARB Code and RIBA guidance
• How adequate is your PI cover under ARB Standard 8 and BSA 2022 s.135?
• Architects' Professional Indemnity: ARB vs RIBA vs CIAT Requirements Compared
• RIBA vs ARB for architects: professional body, statutory regulator, and how PII sits under each
• Architects' Professional Indemnity: ARB vs RIBA vs CIAT Requirements Compared
• The ARB Code of Conduct and PI Insurance

RIBA — Royal Institute of British Architects

Requirements affecting architects · 9 pages

• Aggregation in ARB and RIBA architect PI wordings
• Comparing the RIBA-endorsed route with the open-market specialist route
• Aggregation clauses in architect PI: ARB Code and RIBA guidance
• Architects' Professional Indemnity: ARB vs RIBA vs CIAT Requirements Compared
• RIBA vs ARB for architects: professional body, statutory regulator, and how PII sits under each
• Architects' Professional Indemnity: ARB vs RIBA vs CIAT Requirements Compared
• Non-RIBA architects PI route selector
• PI insurance for non-RIBA architects — the specialist broker route
• RIBA Chartered Practice PI insurance requirements

CIAT — Chartered Institute of Architectural Technologists

Requirements affecting architectural technologists · 2 pages

• Architects' Professional Indemnity: ARB vs RIBA vs CIAT Requirements Compared
• Architects' Professional Indemnity: ARB vs RIBA vs CIAT Requirements Compared

RICS — Royal Institution of Chartered Surveyors

Requirements affecting surveyors · 17 pages

• Aggregation in the RICS minimum wording for surveyors
• Chartered surveyor vs non-RICS bodies: how PII regimes compare
• Surveyors' Professional Indemnity: Comparing RICS, FAS and Other Surveying Bodies
• The RICS Minimum Approved PI Wording
• RICS Minimum Wording: A Practical Guide
• The RICS AI standard and surveyors’ PI: what actually changes
• RICS minimum PI bands by firm income
• Building Safety Act 2022 and surveyor PII: the extended limitation window
• RICS PII minimum limit: the turnover-band scale explained
• RICS PII six-year run-off: what surveyors must carry after cessation
• RICS professional indemnity insurance requirements for surveyors
• RICS professional indemnity insurance rules for firms: what the Rules of Conduct require
• The RICS Red Book and valuer negligence claims
• RICS Red Book valuations and PII: the exposure and how brokers price it
• RICS Rules of Conduct 2027 — Rule 9 PI implications
• Surveyors' Professional Indemnity: Comparing RICS, FAS and Other Surveying Bodies
• The RICS Red Book and valuer negligence claims

ICAEW — Institute of Chartered Accountants in England and Wales

Requirements affecting accountants · 14 pages

• ACCA PII vs ICAEW: two accountants regimes compared
• Accountants PI Requirements: ICAEW vs ACCA vs AAT Compared
• Accountants PII limit sizing: going above the ICAEW compulsory minimum
• Comparing the ICAEW-Marsh route with the open-market specialist route
• Accountants PI Requirements: ICAEW vs ACCA vs AAT Compared
• ICAEW PII Regulations Explained
• ICAEW PI
• ICAEW professional indemnity insurance requirements for accountants
• ICAEW PII — the 2.5× aggregate limit formula
• ICAEW PII aggregation for audit and accountancy firms explained
• ICAEW PII Bye-law 61 and the Professional Indemnity Insurance Regulations: what accountants must carry
• ICAEW PII run-off cover: the two-year minimum after cessation
• ICAEW proposed PII reforms 2027 — Bye-law 61
• Professional indemnity insurance for non-ICAEW accountants in the UK

ACCA — Association of Chartered Certified Accountants

Requirements affecting accountants · 5 pages

• ACCA PI insurance requirements explained
• ACCA PII vs ICAEW: two accountants regimes compared
• Accountants PI Requirements: ICAEW vs ACCA vs AAT Compared
• Accountants PI Requirements: ICAEW vs ACCA vs AAT Compared
• ACCA PI Insurance Rules

AAT — Association of Accounting Technicians

Requirements affecting accounting technicians · 2 pages

• Accountants PI Requirements: ICAEW vs ACCA vs AAT Compared
• Accountants PI Requirements: ICAEW vs ACCA vs AAT Compared

FCA IPRU-INV 13 — FCA prudential rules for personal investment firms

Requirements affecting financial advisers · 13 pages

• FCA IPRU-INV professional indemnity requirements for financial advisers
• FCA MIPRU professional indemnity requirements for insurance brokers
• Insurance brokers' own PI and MIPRU 3: the UK rulebook explained
• IPRU-INV 13.1
• MIPRU 3.2.7R
• BIPRU — Prudential sourcebook for Banks, Building Societies and Investment Firms
• IPRU — Interim Prudential sourcebook
• MIPRU — Prudential sourcebook for Mortgage and Home Finance Firms, and Insurance Intermediaries
• MIPRU 3 — Professional indemnity and capital resources
• BIPRU — Prudential sourcebook for Banks, Building Societies and Investment Firms
• IPRU — Interim Prudential sourcebook
• MIPRU — Prudential sourcebook for Mortgage and Home Finance Firms, and Insurance Intermediaries
• MIPRU 3 — Professional indemnity and capital resources

FCA MIPRU — FCA prudential rules for insurance intermediaries

Requirements affecting insurance brokers · 7 pages

• FCA MIPRU professional indemnity requirements for insurance brokers
• Insurance brokers' own PI and MIPRU 3: the UK rulebook explained
• MIPRU 3.2.7R
• MIPRU — Prudential sourcebook for Mortgage and Home Finance Firms, and Insurance Intermediaries
• MIPRU 3 — Professional indemnity and capital resources
• MIPRU — Prudential sourcebook for Mortgage and Home Finance Firms, and Insurance Intermediaries
• MIPRU 3 — Professional indemnity and capital resources

IStructE — Institution of Structural Engineers

Requirements affecting structural engineers · 1 page

• IStructE and structural engineer PII: the specific considerations

ICE — Institution of Civil Engineers

Requirements affecting civil engineers · 1 page

• ICE Chartered Engineer status and PII: what CEng registration means for insurance

RCVS — Royal College of Veterinary Surgeons

Requirements affecting veterinary surgeons · 2 pages

• PI cover for veterinary surgeons under RCVS regulation
• Veterinary surgeons PI insurance — RCVS Code and the UK market

CIPD — Chartered Institute of Personnel and Development

Requirements affecting HR consultants · 1 page

• HR consultants — CIPD membership and PI cover

CIM — Chartered Institute of Marketing

Requirements affecting marketers · 1 page

• PI insurance for UK chartered marketers, marketing consultants and agencies