Do you need professional indemnity!?
Now over 50% of all SMEs buy professional indemnity cover. It’s often hard for a business to know what to look for. Wordings and insurers vary considerably. To summarise, if you are advising, selling, designing or surveying then it’s sensible to buy professional indemnity cover. Try to obtain cover on a ‘civil liability’ basis which gives much wider cover than a traditional ‘breach of professions’ wording. Remember also that beyond cover for negligence it is worth checking your wording includes covers such as defamation, breach of intellectual property and dishonesty of employees.
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