Complete Professional Indemnity

Quick and easy

Quote, buy, adjust and renew on our e-trade platform, QuoteSME.

Range of cover options

Cover can be provided on an innocent non-disclosure condition, a claims made basis, civil liability basis or an any one claim basis.

Claims support

We'll provide your client with a dedicated claims handler, an out of hours helpline and expert legal advice.


Free business support providing guidance and advice on issues such as health and safety and business continuity.
Further product information is available from our Document Download Centre.
Cover highlights

  • Cover for breach of professional duty – infringement of copyright, breach of confidentiality, defamation and other types of civil liability with a limit of indemnity up to £2,000,000
  • Fraud and dishonesty – liability of your business to any third party resulting from fraudulent or dishonest conduct
  • Lost documents – costs of replacing or restoring documents lost or damaged in transit in custody or control up to £100,000
  • Court attendance cover – if attending court as a witness when defending a claim up to £300 per day (£150 for employees)
  • Joint ventures cover – cover against the liability arising from the customer’s professional services in relation to any joint venture.

Cover can be provided:

  • On an innocent non-disclosure condition – waiving our rights to avoid the insurance cover in the event we are satisfied of innocent non–disclosure, or innocent misrepresentation
  • On a claims made basis – as opposed to occurrence basis
  • On a civil liability basis (widest form of cover available) – allows for any civil liability to be claimed, rather than restricted errors and omissions cover
  • On any one claim basis for the majority of our trades and across our 11 wordings – every single claim made during the period of insurance is entitled to the full indemnity limit. Alternatively, for the small number of trades where AOC is restricted, or due to client preference, we can arrange cover on an aggregate basis for the costs of defending claims and damages associated with losses incurred as a result of alleged professional neglect or omission.

Risk appetite

Preferred trades
  • Companies with a turnover of up to £7,500,000 or £2,500,000 for those operating on a fee income basis
  • Private companies (non-listed companies, e.g. Ltd)
  • Accountants
  • Architects
  • Bailiffs
  • Construction
  • Call centre and outsourcers
  • Engineering
  • Estate agency
  • Insurance brokers (renewals only)
  • Interior designer
  • Landscape gardener
  • Management consultants
  • Media
  • Motor trade
  • Photographer
  • Recruitment consultants
  • Surveyors
  • Technology and telecommunications

We do not look to write:

  • Accountants involved in tax avoidance and/or tax mitigation work
  • Actuaries
  • Environmental consultants
  • Independent financial advisers
  • Insurance brokers (new business only only but we will continue to offer terms on our existing cases)
  • Medical malpractice risks
  • Risks with basement and/or swimming pool exposures
  • Risks with cladding exposures
  • Solicitors
  • Surveyors undertaking surveys and/or valuations for lending purposes

Why choose Allianz?

Instant documentation
By using our e-trade platform, QuoteSME, you can quote, buy, adjust and renew online. Instant electronic documentation is provided at point of sale.

Preferred supplier discounts

Available via our extensive network of service providers.

This promotional material is intended for insurance broker use only and no-one else should rely upon it.
It must not be made available to anyone other than the intended recipient, either in its original form or any reproduction.