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0121 507 8706


Public Liability & Professional Indemnity

We offer a range of insurance products for Public Liability & Professional Indemnity insurance.

Professional Indemnity Insurance

What is Professional Indemnity Insurance?

This insurance protects you, the policyholder, against any financial loss suffered by a third party, so your customer, for any incorrect advice, design or specifications recommended or given.

It differs from Public Liability insurance as that is designed to compensate a member of the public for any damage, loss or injury that they may receive from the work carried out. Whereas Professional Indemnity insurance is to compensate for financial damages which a client may claim as a result of negligence from a service that you have provided.

A Professional Indemnity policy is designed to protect you against claims arising from:

  • Negligence or breach of professional duty
  • Negligent misstatement or negligent misrepresentation
  • Defamation, libel or slander
  • Infringement of any intellectual property right, other than patent and trade secrets
  • Dishonest or fraudulent acts or omissions of any present or former employee (subject to exclusions)
  • Breach of any contractual or common law obligation of confidentiality, including invasion of privacy
  • Inadvertent transmission of a virus
  • Any other civil liability

If you sell professional advice or your business offers a service, for example architects, surveyors, accountants, solicitors or consulting engineers, Professional Indemnity insurance may be compulsory due to rules and regulations.

Even if Professional Indemnity isn’t compulsory within your industry, you will still be held liable if you’ve charged a fee for services or advice and your customer suffers a financial loss as a result.

Professional Indemnity is usually provided under a claims-made basis whereby a claim can only be made during the life of the policy. This is based on the condition that you have continuous cover from the date that you first took out the insurance, also known as your retroactive date.

For more information regarding this insurance, call us today on 0121 507 8706 or email any queries or enquiries to

For a FREE, No Obligation quote, call us on 0121 507 8706
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Our other products include:

Construction & High Risk Insurance
Landlords & Religious Buildings
Motor Fleet & Trade
Public Liability & Professional Indemnity
Shop, Office & Retail
Haulage, Marine & Freight
Aviation & Airside Insurance
Leisure & Hospitality

Birmingham Office

RBA Commercial Insurance Ltd
Gill House
140 Holyhead Road
B21 0AF

Tel: 0121 507 8706

Authorised and regulated by the Financial Conduct Authority. FCA No: 928009

RBA Commercial Insurance Ltd
Company Registration No. 09148855

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