FCA authorised · FRN 724952 0117 325 0027Quote & buy →
Tools · Cover finder
Six yes or no questions to see which covers usually apply to a professional or small business, with each one explained.
Part of: Professional indemnity insurance at Apex
In short
Most professional and small businesses need some combination of five covers: professional indemnity for advice and design, employers’ liability if they have staff (usually a legal requirement, minimum £5m), public liability for injury or damage to others, cyber for data and IT incidents, and directors’ and officers’ for company directors. Client contracts often add their own requirements. Answer six questions below to see which apply to you.
Answer yes or no. Nothing is sent anywhere: the result appears on this page.
The finder points you to the covers below. Each one is explained in full here, whatever you answered.
Covers claims that your advice, design or service caused a client a financial loss, including defence costs. Many professional bodies make it compulsory, and many client contracts ask for it.
Professional indemnity insurance at Apex · What PI limit do I need? · What PI does and does not cover
Covers claims from employees injured or made ill through their work. If you employ people it is usually a legal requirement, with a minimum limit of £5m, though some businesses are exempt, such as some family businesses and companies whose only employee is the owner (GOV.UK guidance).
Covers claims from clients or members of the public who are injured, or whose property is damaged, because of your business. Not a legal requirement, but many clients and venues ask for it.
Do I need public liability as well as PI? · What public liability does not cover
Covers the costs of a data breach or cyber attack: incident response, restoring systems, notifying people, and claims from third parties. PI policies often exclude or limit cyber losses.
Cyber insurance guide · Do I need cyber as well as PI? · What cyber insurance does not cover
Covers directors personally for claims about how they ran the company, for example from investors, creditors, regulators or employees. Company assets cannot always be used to defend a director.
Directors’ and officers’ insurance guide · What D&O does not cover
If a contract specifies limits, the basis of cover, or how long cover must run after the work ends, your policy needs to match it. We will check the clause for you free of charge.
Free contract insurance clause check
It shows which covers usually apply to a business like yours. It can’t set your limits, check your contracts or tell you whether your professional body has its own rules. A broker does that from your proposal. If you already have cover, ask for a free second opinion on your renewal.
Employers’ liability is the main compulsory cover for businesses with employees, with a minimum limit of £5m, subject to some exemptions. Motor insurance is compulsory for vehicles used on roads. Professional indemnity is compulsory for many regulated professions under their own rules.
If you give advice, design or professional services, a claim can be made against you personally whatever your business structure, and many clients ask for PI before they sign. Do I need PI insurance?
Yes. Many small businesses combine PI, public liability, employers’ liability and cyber. A broker can check that a package doesn’t leave gaps or duplicate cover you already have.
No. Your answers stay in your browser and are not sent to Apex.
Start your proposal online, or ask a broker to go through your answers with you. Or call 0117 325 0027.
Start your proposal Request a callbackApex Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales, company number 07014570. This tool gives general information about common covers. It is not advice on your individual circumstances and does not guarantee that cover will be available or on what terms.
