We’re proposing to transfer insurance business from U K Insurance Limited (UKIL) to Aviva Insurance Limited (AIL), which may affect Churchill customers. Find out more.
Professionals Insurance
Churchill no longer offers Professionals Insurance but our friends at Direct Line insurance do, find out more about Direct Line‘s Professionals insurance cover
Direct Line and Churchill are both underwritten by U K Insurance Limited
What is Professionals Insurance?
Insurance for professionals covers you for unexpected losses like damaged or stolen equipment or legal action from a client if you make a mistake.
If you own your own business, or you’re self-employed, it’s difficult to recover from large expenses you haven’t planned for unless you have the correct insurance in place.
Depending on the nature of your business, you could benefit from Public Liability Insurance, Employers’ Liability Insurance, or Professional Indemnity Insurance.
You can also choose from a wide range of optional extras that cover your business essentials like stock, tools, and equipment.
What does Professionals Insurance cover?
Business Insurance for professionals starts with standard Public Liability cover, and you can add a range of optional extras to tailor your policy to exactly what you need.
Public Liability Insurance
Public Liability Insurance isn’t legally required, but it gives you peace of mind when you’re working with clients at their homes or in your office.
Having Public Liability Insurance means you’re covered if a client injures themselves while visiting your home or office. It also gives you cover if you accidentally damage a client’s property while you’re visiting them for business purposes.
Employers’ Liability Insurance
Employers' Liability Insurance is a legal requirement under the Employers’ Liability Act 1969 if you employ staff or apprentices.
It covers you if one of your employees is injured or becomes ill while they’re working for your business.
Professional Indemnity Insurance
Professional Indemnity Insurance covers your compensation and legal fees if a client accuses you of providing inadequate advice or services and makes a claim against you or your business.
For example, emailing sensitive information to the wrong contact isn’t a mistake you’ll make very often, but it could result in legal action against you.
Professional Indemnity Insurance is important if you offer professional services to a client and they believe your advice caused them to lose money or suffer reputational damage.
How can I get insured?
Churchill is no longer offering Professionals Insurance but you can get a quote from our friends at Direct Line.
Direct Line and Churchill are both underwritten by U K Insurance Limited.
Who does Professionals Insurance cover?
Cover is available for a large number of small businesses and self-employed professionals including:
- Consultants
- Hairdressers
- Beauticians
- Accountants
If your business or profession isn't listed here, get in touch to find out if you can get cover.
Why do I need Professionals Insurance?
For business owners, insurance isn’t always top of the list of priorities. Securing clients, building a reputation, and keeping on top of cash flow, can seem more important.
If you don't have the right insurance cover, all your hard work could be wasted if a customer or a member of the public takes legal action against you.
How can I get insured?
Churchill is no longer offering Professionals Insurance but you can get a quote from our friends at Direct Line.
Direct Line and Churchill are both underwritten by U K Insurance Limited.
