Professional Indemnity:

PI insurance is intended to protect professionals and their businesses in the event of claims made by a client (or third party) suggesting that they have suffered loss as a result of non-performance, breach of contract and/or professional negligence in the services provided.

In addition, the policy will cover legal and other costs and expenses incurred in the defence of any claim.

 
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Using an insurance broker will give you the right cover and will usually save you money because brokers have in depth knowledge of the insurance market and the ability to negotiate on your behalf.