Apex Insurance Brokers acts for professional services firms across the United Kingdom, including a number of clients based in Liverpool. Our office is in Bristol, and we serve Liverpool clients — law firms across the commercial district and the Royal Liver Building area, accountants throughout Merseyside, chartered surveyors active on the regeneration market, engineering consultancies working on marine and waterfront projects, and technology and digital agencies in and around the Baltic Triangle — by video meeting, telephone and secure document exchange.
We do not run a Liverpool office, and we set that out clearly here because we think it matters more to be straightforward than to imply otherwise. Liverpool firms work with us the way most professional firms now work with their external advisers: remotely, with clear documentation and direct telephone access. When attendance in Liverpool genuinely adds something — a new-client meeting, a sensitive claims discussion — we make the trip.
Apex Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority (FCA firm reference 724952). The FCA's permissions apply across the United Kingdom, and our access to the UK insurance market is the same whether a client sits on the Mersey, the Thames or the Avon.
Liverpool's professional services sector
Liverpool is one of England's major cities and the commercial heart of the wider Merseyside conurbation. Its economy is shaped by a maritime and trading heritage that runs back centuries, by a more recent reinvention around culture, regeneration, life sciences and digital industries, and by a deep and active professional services community supporting all of that activity.
Maritime and port activity remains central. The Port of Liverpool, operated by Peel Ports, is one of the United Kingdom's largest container and bulk ports and the gateway for substantial trans-Atlantic and Irish Sea trade. Liverpool Waters — the long-term Peel-led regeneration of the northern docks — has reshaped the waterfront and continues to drive significant property, planning and engineering work for professional firms across the city.
The Liverpool Knowledge Quarter is a defining feature of the modern economy. Centred on the area around the University of Liverpool, Liverpool John Moores University and the Royal Liverpool University Hospital, the Knowledge Quarter brings together life sciences research, clinical activity and education. The Liverpool School of Tropical Medicine and the Pandemic Institute are anchor institutions, and the cluster has attracted spin-out businesses, contract research organisations and specialist consultancies.
The legal sector in Liverpool is substantial and historic. Hill Dickinson is headquartered in the city, with deep roots in maritime and shipping law. Brabners is headquartered in Liverpool and serves a regional and national client base. Weightmans is headquartered in the city. DLA Piper and DWF both maintain Liverpool offices. Bermans is among the long-standing independent commercial practices. Below those, the city has a substantial population of mid-sized and smaller firms covering commercial, regulatory, private client, family and dispute work.
Accountancy follows a similar pattern, with the Big Four maintaining Liverpool offices, mid-tier firms well represented, and a deep tail of smaller chartered practices across Merseyside. The Bibby Line Group and The Very Group are among the larger indigenous corporates that anchor a portion of the city's professional services demand. The football economy — Liverpool Football Club and Everton Football Club — supports its own slice of legal, accountancy, agency and consultancy work, with the new Everton stadium at Bramley-Moore Dock having drawn engineering, surveying and project consultancy activity over recent years.
The Baltic Triangle has become a recognised creative and digital cluster, hosting software houses, design agencies, music and media businesses and adjacent professional services. The presence of the University of Liverpool, Liverpool John Moores University and Liverpool Hope University provides a steady supply of graduates into the city's professional and creative industries. Liverpool also has historic heritage in the insurance industry itself, with the Royal Liver Building and the Royal Insurance Buildings reflecting a Victorian and Edwardian-era prominence in the sector.
PI insurance for Liverpool-based professional firms
Solicitors in Liverpool are regulated by the Solicitors Regulation Authority (SRA) and place Professional Indemnity insurance to the SRA's Minimum Terms and Conditions. The Minimum Terms set the floor — a two-million-pound limit for unincorporated and recognised sole practices, three million for incorporated practices and limited liability partnerships, with run-off requirements on closure — and the broking work focuses on how that floor interacts with the firm's actual exposure: the work types, the client base, the historic claims position and any contractual cover obligations imposed by lenders, panels or clients. Liverpool's mix of large headquartered commercial practices, sizeable national-firm offices and a deep population of smaller specialist practices means we see the full span of SRA PI conversations.
Chartered accountants in Liverpool are typically members of the Institute of Chartered Accountants in England and Wales (ICAEW), the Association of Chartered Certified Accountants (ACCA) or the Chartered Institute of Management Accountants (CIMA). Each body sets minimum PI requirements driven by fee income, with run-off requirements on practice cessation and conditions around regulated activities such as audit and probate. We are happy to talk through how those requirements interact with the cover available in the open market.
Chartered surveyors regulated by the Royal Institution of Chartered Surveyors (RICS) place PI to the RICS minimum policy wording. The Liverpool surveying market is heavily shaped by regeneration activity — Liverpool Waters, the Bramley-Moore Dock stadium development, ongoing residential and commercial schemes across the city centre and the wider conurbation — and that has implications for the way valuation, building survey and project monitoring work needs to sit within a PI policy. Wording, aggregate limits and excess structures all need to reflect the actual work mix.
Engineering consultancies in Liverpool face PI requirements driven primarily by client contracts. Marine, civil and structural engineering work on the waterfront, dock estates and regeneration sites typically attracts developer and contractor contracts that specify minimum PI limits, sometimes on an each-and-every-claim basis, and that may require the policy to respond to specific design or supervision activities. The interaction between PI, public liability and product liability is where most of the substantive broking work happens for firms in this segment.
Architects in Liverpool are typically registered with the Architects Registration Board (ARB) and may also be members of the Royal Institute of British Architects (RIBA). PI considerations are those familiar across the United Kingdom: design and build novation, contractor relationships, fire safety after the Building Safety Act 2022, and run-off arrangements on retirement. Practices active on tall residential developments along the waterfront will be familiar with the additional cladding and external wall scrutiny that has reshaped this market.
Technology consultancies, software firms and digital agencies in and around the Baltic Triangle face PI requirements driven primarily by client contracts. The interaction between PI, technology errors and omissions cover, cyber liability and intellectual property cover is where most of the substantive broking work happens for firms in this segment.
How Apex serves Liverpool firms
We are an independent broker. We are not tied to any single insurer or panel. For each Liverpool client we approach the relevant section of the United Kingdom Professional Indemnity market and put together cover and a price that reflect the firm's actual work and risk profile.
Day-to-day service runs through video meetings, telephone and secure document exchange. Renewal is run on a structured timeline so that quotations are gathered, compared and discussed before cover incepts rather than at the eleventh hour. Telephone access is direct on 0117 325 0027 during business hours.
Claims advocacy is where the broker earns most of its value. We notify insurers on the client's behalf, work with insurer claims handlers and panel solicitors, and represent the firm's commercial position. The work is done by correspondence, telephone calls and video meetings, and where attendance in Liverpool is genuinely useful, we travel.
Frequently asked questions
Do you have an office in Liverpool?
No. Apex Insurance Brokers is based in Bristol. We serve Liverpool-based professional firms remotely, by video meeting, telephone and secure document exchange, and travel to Liverpool when there is a particular reason to do so.
Are you authorised to advise Liverpool firms?
Yes. Apex Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority (firm reference 724952). The FCA's permissions apply across the United Kingdom, including Merseyside.
Do you understand solicitor PI under the SRA Minimum Terms?
Yes. Solicitor PI to the SRA's Minimum Terms and Conditions is core to our work. We are happy to talk through how the minimum limits, run-off requirements and contractual cover obligations apply to a particular Liverpool practice — from larger headquartered commercial firms to smaller specialist practices.
Can you place cover for Liverpool law firms with maritime or shipping work?
We act for solicitor practices across the United Kingdom and are familiar with the way maritime, shipping and trade work shapes the PI conversation — claims patterns, jurisdictional considerations and the interaction with marine and trade credit lines. We are happy to discuss whether we are the right broker for a specific firm.
How are claims handled if we are in Liverpool?
By telephone, email and video meeting in the first instance. Where attending in Liverpool is genuinely useful, we travel. The substantive work — notifications, correspondence with insurer claims handlers, negotiation — is done in writing and on calls rather than in person.
Do you work with surveyors and engineers active on the Liverpool Waters and Bramley-Moore Dock regeneration?
Yes. We act for surveying and engineering consultancies across the United Kingdom and are familiar with the way major regeneration and waterfront schemes drive PI requirements — both in terms of the limits and excess structures clients expect and the way wording needs to respond to project monitoring, design and supervision activities.
Do you work with Baltic Triangle technology and digital businesses?
Yes. We act for technology consultancies, software houses and digital agencies across the United Kingdom. The PI conversation for these businesses typically extends into technology errors and omissions cover, cyber liability and intellectual property considerations, and we are happy to discuss how those fit together.
Speak to Apex about your PI cover
If you run a professional firm in Liverpool and would like to discuss Professional Indemnity insurance — whether you are reviewing existing cover, approaching renewal, working through a client contractual requirement, or notifying a circumstance — please get in touch.
Telephone: 0117 325 0027 Email: info@apexinsurancebrokers.co.uk
About Apex Insurance Brokers — Apex Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority, FCA firm reference 724952. Registered in England and Wales, Companies House 07014570. Last reviewed: May 2026.