Client claiming your advice caused loss?
Do I Need Professional Indemnity Insurance? (UK)
PI covers claims of negligent advice or design. Required for consultants, architects, IT and regulated professions.
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The short answer
PI is a claims-made policy covering financial loss caused by your negligent advice, design or service. It must be in force when the claim is made — not when the work was done — so run-off cover is essential after closing a business.
Frequently asked
- What is run-off cover?
- Continues PI cover for past work after you cease trading. Typically required for 6 years to match the Limitation Act.
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Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
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