Your professional services
The work described to the insurer needs to reflect the advice and services you actually provide.
Royal Insurance
Professional indemnity insurance.
A claim about professional advice or services can be expensive to resolve. We help you consider professional indemnity options that reflect your services and contractual requirements.
Get a quote →Already have cover?Review my existing insurance
Understand your optionsCover, excesses and exclusions explained
Ongoing supportFor renewals and claims
Get your quote started.
Have your insurance details ready?
Complete the full quote form →Financial Services Guide · Authorised representative of Community Broker Network
The details matter
Advice has consequences. Know where you stand.
Past work and future claims
Bring your current schedule so we can discuss retroactive dates, continuity and any run-off needs.
Contract requirements
Share the insurance clauses your client has asked you to meet. Limits alone do not tell the whole story.
Tell us about the services you provide, the clients you work with and any contractual requirements. We’ll help you work through the policy details.
Before you choose
What should you consider?
- Claims arising from alleged professional errors or omissions
- Legal defence costs where insured
- Cover limits and retroactive dates that need careful review
These are topics to discuss, not a statement of cover. Terms, limits, exclusions and availability vary by insurer and policy.
What affects the premium?
The services you provide, revenue, contracts, qualifications, claims and cover limits.
What will you need?
Prepare a description of your services, revenue, key contracts and current insurance.
How can Royal help?
We help you compare suitable options available to us and explain the differences. You can also turn to us for claims support and renewal assistance.
An Advisor on your side
Know what happens next.
A clear process, from your first enquiry to your decision.
Start with your current schedule.
Send the information you have. We’ll identify what else is needed for a review.
Request a policy review →We understand the request
We discuss your activities or property, timing and any particular requirements.
We work through the information
We identify missing details and seek suitable options available to us. More complex risks may need further insurer questions.
You understand the options
We explain the proposed cover, costs, excesses and key conditions before you decide. We confirm when cover has been arranged.
Need professional indemnity and liability?
Describe your business once. We’ll discuss both cover needs with you.
Your questions, answered.
Can I enquire about PI and public liability together?
Yes. Our combined enquiry lets you describe your business once. We’ll discuss each cover with you; the available options may involve separate policies.
What should I provide when changing PI insurers?
Your current schedule and wording, a description of your services, any client requirements and details of claims or circumstances you have already notified are useful starting points. Talk with your Advisor before allowing existing cover to lapse.
What does a retroactive date mean?
It is a date used in the policy to define which past work may be considered for cover. A policy’s notification requirements, exclusions and other terms also matter. Ask us to check the wording and continuity when reviewing your cover.
Can you help if I am retiring or closing my business?
Tell us before your current policy expires. We can discuss whether run-off cover is relevant to your past services and what information insurers need.
Does requesting a quote start my insurance?
No. Sending an enquiry or quote form does not put cover in place. We will explain the next steps and confirm when cover has been arranged.
General information from Royal Insurance. For advice about your circumstances, send us an enquiry.
Ready to discuss your cover?
Start with a few details. A Royal Advisor will help you with the next steps.
Get your quote started