Professional Indemnity Insurance

Smarter protection for professional advice and services.

Professional Indemnity Insurance from Sona Insurance protects your business if a client claims your advice, design, or service caused them financial loss. Whether you’re a consultant, surveyor, contractor, designer, or other professional service provider, this cover is essential for safeguarding your reputation — and your business.

What is Professional Indemnity Insurance?

Professional Indemnity Insurance (PII) is designed for businesses that offer advice, services, or technical expertise. It covers legal costs, compensation claims, and reputational damage if a client alleges negligence, error, omission, or breach of professional duty. If your advice is wrong — or even just perceived to be — this cover ensures you’re not left footing the bill for legal defence or financial losses.

Why standard policies fall short

Many business owners assume that general liability or commercial insurance will protect them if a client is unhappy with their service — but that’s rarely the case. Standard policies typically:

  • Exclude professional advice, consultancy or design work
  • Don’t cover financial loss only physical damage or injury
  • Offer no protection for claims of negligence, breach of duty or confidentiality
  • Lack retroactive cover: meaning past work may be left exposed
  • Don’t meet client or regulatory requirements: putting contracts or accreditations at risk

Without dedicated Professional Indemnity Insurance, you could be personally liable for legal costs and compensation — even if the claim is unfounded.

How Sona Insurance supports you

At Sona Insurance, we get to know how your business operates, who your clients are, and where liability might arise. Then we source a Professional Indemnity Insurance policy that matches your risk — not just your job title. We work across multiple sectors — from property and construction to consultancy and tech — ensuring your policy reflects the real exposure of your profession, not just a one-size-fits-all template.

What’s typically covered?

A tailored Professional Indemnity Insurance policy from Sona Insurance can include:

  • Legal defence costs for claims of professional negligence
  • Ransomware and cyber extortion
  • Legal defence costs for claims of professional negligence
  • Claims for breach of contract, confidentiality, or copyright
  • Cover for past work (retroactive cover)
  • Libel, slander, and reputational harm
  • Claims made by current and former clients

We’ll also help you understand key exclusions and recommend the right limit of indemnity for your type of work and client contracts.

Why choose Sona Insurance?

  • Specialist professional indemnity insurance: tailored to your sector and exposure
  • Flexible cover: whether you’re a sole trader or growing business
  • Contract-ready protection: we align cover with client or industry requirements
  • Expert broker advice: so you know exactly what’s covered
  • Support across sectors: including consultancy, property, design, finance, tech and more
  • Independent access to the UK’s leading PI insurers

Don’t leave your business exposed to costly claims

We don’t believe in one-size-fits-all quotes. Speaking to Sona Insurance means you get expert advice, tailored protection, and personal support — not just a price on a screen.

Call us today on 01206 694904 to discuss your professional indemnity insurance needs.

Contact Us to request a tailored quote