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.
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.
Treatment Liability Cover
Cover for health, beauty and wellbeing treatments. It protects against claims for death, injury, and damage to a third-party property.
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.
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.
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).
Get into the detail
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.
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.