Consultants’ insurance

If you provide advice, expertise, or a professional service — even informally — you could be held liable if a client claims your work caused them financial loss.

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Whether it's a mistake in your work, a missed deadline, or a miscommunication, Professional Indemnity Insurance is designed to cover the legal costs and compensation if a claim is made against you.

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Most professionals choose between £250,000 and £1 million in cover, depending on the type of work they do and the clients they work with. Some contracts (especially with corporates or public sector clients) may require a specific minimum.

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With Admiral Business, it’s easy to build the right cover for your work — and adapt it as your business grows.

Here’s the simple breakdown:

• Professional Indemnity Insurance protects you if a client claims your advice or service has caused them financial loss — whether due to an error, omission, or oversight.
• Public Liability Insurance covers you if someone is injured or their property is damaged because of your business activities — for example, if a client trips over your equipment at their premises.

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If you meet clients in person and offer professional advice or services, it’s worth having both.

• Employers’ Liability Insurance is legally required if you employ anyone — even on a part-time or freelance basis. It covers claims if they get injured or become ill due to their work with you.
• Professional Indemnity Insurance protects you from client claims over the work you deliver, not your employees.

So if you’re working solo, PI may be enough. But once you hire help — even just one assistant — you’ll likely need Employers’ Liability too.

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If a client says your advice cost them money, there’s been a mistake in your work, or you’ve lost important documents — head to admiralbusiness.com/make-a-claim or email us at claims@admiralbusiness.com.

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Share a short description of what happened and include anything that supports your claim — like contracts, emails, reports, or timelines. Ideally, let us know within 14 days of becoming aware of the issue. The sooner we know, the faster we can help.

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We’ll guide you through it — but here’s what’s helpful up front:

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• A summary of the issue and when you became aware of it
• Who’s involved (like a client or third-party contractor)
• Relevant documentation — this could include contracts, project briefs, email trails, timelines, or any expert opinions if you’ve sought them

We understand that PI claims can be complex —our team is here to help you through it, step by step.

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