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Hiscox Professional Indemnity (PI) insurance is designed to protect UK professionals and their businesses against errors and eventualities that can’t be foreseen, however careful.

 

In a ‘sue first, ask questions later’ world, can you afford to take any chances?

 

Our policies provide cover for liabilities that arise from negligent advice you give or services you provide in a professional capacity to your clients.

 

As a leading specialist insurer, we tailor our policies for specific professions so your business is covered for risks we know it is most likely to face. The professions currently available direct include:

 

·         Accountancy: up to £100,000 turnover

·         Business and management: up to £300,000 turnover

·         Estate and letting agents: up to £200,000 turnover

·         IT consultancy and suppliers: up to £300,000 turnover

·         Marketing and media: up to £300,000 turnover

·         Recruitment: up to £1,000,000 turnover

·         Other professions: up to £300,000 turnover

 

You can choose from seven levels of cover (from £25,000 up to £2 million) and tailor your policy to suit contractual or professional requirements.

 

If you do hit any problems – and they do happen to even the best-run companies – our proactive claims service is designed to sort out a problem before your client is even aware.

 

You can also include Hiscox Office insurance, as one all inclusive policy. If however, you do not need full office cover you can tailor your professional indemnity policy to include public liability, employers’ liability and/or computer equipment cover.

 

With a Hiscox Professional Indemnity policy, you also benefit from:

·         Direct access to specialist claims staff

·         Access to highly specialised lawyers if we defend your claim

·         Interest-free monthly direct debit payments

·         Free access to a commercial and legal helpline

We are the only UK insurer which allows you to buy online in minutes and download your policy documents and certificates immediately. So why not get a quote now?

With Hiscox, confidence comes as standard.

At Hiscox, we realise that every business has different needs which is why our new office policy allows you to tailor your cover. In addition to ‘all-risks’ cover for your office contents and computers, you can choose to include portable equipment, business interruption, buildings, legal expenses, public liability and employer’s liability. This you’re not paying for any unnecessary cover. Please see more detailed information below.

 

You also benefit from

·         Optional professional indemnity cover for eligible professions

·         Interest-free monthly direct debit payments

·         Free access to a commercial and legal helpline.

We are the only UK insurer which allows you to buy online in minutes and download your policy documents and certificates immediately. So why not get a quote now?

 

As a small business, we understand that keeping your office running smoothly is just as important as keeping your bottom line growing. Our office package is the most comprehensive insurance available online for small businesses and you can tailor your policy to include:

 

1. Contents and computers – up to £200,000 ‘all-risks’, full theft cover including:

·         Contents temporarily located away from the office eg. an employees home or in transit (£25,000)

·         Employee and visitors personal effects on the business premises (£5,000)

·         Dishonesty of employees (£25,000)

·         Computer breakdown (£5,000)

·         Reinstatement of data (£5,000).

 

2. Public and products liability – any business who has visitors to their office (such as clients, couriers or cleaners) should have this cover. Choose from £1million, £2million or £5million cover.

 

3. Employers’ liability – if your business employs any staff, this cover is mandatory in the UK. This policy provides £10million cover. It is only available however if you also purchase Public and products liability.

 

4. Portable equipment – up to £25,000 world-wide cover as standard for the following items

·         Laptops

·         Mobile phones

·         Portable ancillary computer equipment

·         BlackBerries and other hand held mobile technology

·         Photographic and other visual display equipment

·         Hardware and tools.

 

5. Legal expenses - underwritten by specialist insurer DAS, this policy provides up to £100,000 for any legal costs involved in pursuing or defending a claim. For example this would cover the appointment of solicitors, barristers and expert witnesses.

 

6. Business interruption – protect your business from unplanned disturbances with the following available business interruption covers:

a.       Loss of income – covers the difference between your actual income and your expected income

b.       Gross profit – covers the sum of your income + stock + work in progress which exceeds opening stock + work in progress + specified working expenses

c.       Additional expenses – available either as stand-alone cover or in addition to option one or two. This provides cover for the necessary and reasonable additional costs you incur in order to continue operating your business as usual. For example, setting up a temporary office or employing additional staff.

 

7. Buildings – up to £500,000 for re-building costs including professional fees and costs associated with rebuilding. The policy not only covers standard risks such as storm, flood and fire etc but also includes accidental damage such as spilling paint on wooden floors as standard.

 

We are the only UK insurer which allows you to buy online in minutes and download your policy documents and certificates immediately. So why not get a quote now?

 

With Hiscox, confidence comes as standard.