Customised coverage for a range of professions
Our PI insurance offerings vary by profession. We provide up to £5m coverage for established firms with strong risk management and a history of high-quality service. Factors like claims history and regulatory compliance shape our coverage decisions.
We can also consider Excess of Loss business in all of these areas.
See our Appetite Guide here.
Accountants
- Small to mid-sized practices with fees up to £10m.
- Firms providing accounting services, including audit, tax, and advisory services.
- Preference for firms with established practices and a track record of risk management.
- Will consider firms of all sizes, from sole practitioners to large multinational firms.
- Key risk factors include errors in financial reporting, negligence in tax advice, and failure to meet regulatory requirements.
- No Big 4, Tax Mitigation and/or Tax Avoidance schemes.
Architects & Engineers
- Small to mid-sized practices with fees up to £10m.
- Professionals involved in architectural design, engineering, and construction-related services.
- Preference for firms with experience in both commercial and residential projects.
- Will consider firms of all sizes, from sole practitioners to large architectural and engineering firms.
- Key risk factors include design errors, construction defects, professional negligence, and contractual disputes.
- No Asbestos, Basement work, Sewage and Water Schemes, Nuclear, Petro-chemical, Dams, Harbours, Bridges, Tunnels, Offshore work and Swimming Pools. No soil or foundation work.
Design & Construction
- Small to mid-sized practices with turnover up to £75m
- Professionals involved in various aspects of the construction industry, including contractors, project managers, and consultants.
- Preference for firms with a strong track record of project management and risk mitigation.
- Will consider firms involved in residential, commercial, and infrastructure projects.
- Key risk factors include design flaws, construction defects, project delays, and contractual disputes
- No Asbestos, Basement work, Demolition work, Sewage and Water Schemes, Nuclear, Petro-chemical, Dams, Harbours, Bridges, Tunnels, Offshore work and Swimming Pools
Insurance Brokers
- Small to mid-sized practices with fees up to £10m.
- Firms providing insurance brokerage and risk management services to clients across various industries.
- Preference for firms with expertise in both commercial and personal lines insurance.
- Will consider firms of all sizes, from independent brokers to large brokerage firms and MGAs.
- Key risk factors include errors in policy placement, failure to provide adequate coverage, and professional negligence in risk management.
- No Lloyd’s Brokers or providers of run-off services.
Financial Advisers
- Small to mid-sized practices with fees up to £10m.
- Professionals providing financial planning, investment advice, and wealth management services to individual and corporate clients.
- Preference for firms with qualified advisers and a strong compliance culture.
- Will consider firms offering a range of financial products and services, including pensions, investments, and insurance.
- Key risk factors include misrepresentation of financial products, unsuitable advice, and failure to meet regulatory requirements.
- No networks/ firms with more than 5 Appointed Representatives.
Surveyors
- Small to mid-sized practices with fees up to £10m.
- Professionals providing property valuation, land surveying, building surveying, and related services to clients in the real estate industry.
- Preference for firms with qualified surveyors and expertise in residential, commercial, and industrial properties.
- Will consider firms offering a range of surveying services, including condition surveys, valuation reports, and building inspections.
- Key risk factors include valuation errors, inaccurate survey reports, failure to identify defects or hazards, and professional negligence in property transactions.
- No S&V run-off exposure.
Miscellaneous Professions
- Miscellaneous PI covers a broad spectrum of sectors. The list of professions buying PI is claimed to encompass over 500 different occupation types, including IT and technology firms, advertising agencies, management consultancies, and many more.
- Preference for firms with specialised expertise and a demonstrated commitment to risk management.
- Will consider firms of all sizes, provided they meet underwriting criteria and risk appetite.
- Key risk factors vary depending on the nature of the profession but may include errors in advice, professional negligence, and contractual disputes.
Get in touch
For any general enquiries please feel free to contact us using the below link