Professionals Insurance

Protection for your business. £1 million of public liability cover included as standard.


What is Professionals Insurance?

Churchill’s insurance for professionals protects you from 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.

We also offer a wide range of optional extras that cover your business essentials like stock, tools, and equipment.

Who does Professionals Insurance cover?

We cover a large number of small businesses and self-employed professionals including:

If we haven’t listed your business or profession here, get in touch to find out if we can cover you.

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.

Our Professionals Insurance provides £1 million public liability cover as standard, with options to increase it to up to £10 million. 

You can also choose from a range of optional extras to protect you from other significant risks, like a named member of your team having an accident at work.

Making sure you have the correct insurance is a key part of building a successful business.

Make your policy work for you

Tailor your cover with our optional extras

Public Liability Cover up to £10 million

Protection against claims for injury or property damage by clients or members of the public. You can increase our standard cover to up to £10 million.

Find out more about Public Liability Insurance

Employers’ Liability Cover

The law states you must have Employers’ Liability Insurance if you hire anyone, including apprentices. Add up to £10 million cover to your policy.

Find out more about Employers Liability Insurance

Treatment Liability Cover

Cover for health, beauty and wellbeing treatments. It protects against claims for death, injury, and damage to a third-party property.

Find out more about Treatment Liability Cover

Professional Indemnity Cover

Up to £5 million of cover for compensation and legal fees if a client accuses you of providing inadequate advice, services, or design and makes a claim against you or your business.

Find out more about Professional Indemnity

Tools and Business Equipment Cover

You can cover your valuable tools and business equipment up to £10,000 for added peace of mind. Our tools cover includes mobile phones and laptops.

Tools Insurance

Business Stock Cover

Protection if your business stock is damaged or stolen, with cover up to £25,000.

Personal Accident Cover

Insure named people in your business, aged 16-75, against personal accidents. Add death benefit up to £50,000 (weekly benefits up to £250).

Expert guidance for your business

Business is confusing enough without having to worry about risks, rules, and regulations.

When you’re running your own business, you want to concentrate on the things you do best and leave the boring stuff to someone else.

That’s where we come in. We can’t do it all for you, but Churchill Business Navigator can help you find your way through some of the red tape that business owners have to deal with.

What’s Churchill Business Navigator?

Churchill Business Navigator is our free, easy to use risk management portal for Churchill Business Tradesperson, Professional and Landlord customers.

It has a wide range of tools and resources to help you manage risk in your business 24/7.

The help available includes online modules covering everything from HR processes and business continuity plans to dealing with Brexit and employment legislation.

You can get a response from our team of experts to any questions you have within 24 hours and there’s a library of downloadable industry-standard documents to help you with HR and health and safety compliance.

Get into the detail

Policy documents

You can read our Professionals policy documents below.

These are standard documents that might be different to the ones you received when you took out your policy.

Log in to your account to find your individual policy documents.

Policy documents for policies starting before 23rd August 2023

Policy documents for policies starting 23rd August 2023

Need some help?

Visit our help and support page for answers to common questions or to contact us if you want to talk to someone. 

Help and support