Professional Indemnity Insurance
Professional Indemnity,
simplified.
Protect your professional business against claims arising from errors, omissions, negligence and professional advice. Choose your profession and start your application online.
What do you do?
No obligation • Secure application • Specialist assistance
Illustration by Storyset
Professional Indemnity by profession
Underwriting questions, cover recommendations and pricing factors differ by profession. Start with yours.
Insurance Brokers & FSPs
Cover for FSPs, broking houses and financial advisers under FAIS.
Learn moreArchitects
Cover for design liability across residential, commercial and industrial projects.
Learn moreEngineers
Cover for consulting and design engineers across civil, structural, mining and energy work.
Learn moreAccountants
Cover for accounting, audit, tax and bookkeeping practices.
Learn moreIT & Technology Professionals
Cover for IT consulting, software development, SaaS and managed services businesses.
Learn moreProject Managers
Cover for construction, IT and business project management professionals.
Learn moreEstate Agents
Cover for PPRA-registered estate agencies and principal agents.
Learn moreVeterinarians
Cover for veterinary practices across small animal, large animal and equine work.
Learn moreHow it works
One digital journey from application to cover.
Choose your profession
Select your profession so we can ask the right underwriting questions from the start.
Tell us about your business
Share your fee income, team size and years in business — it takes a few minutes.
Receive your PI options or underwriting response
Get an instant result, an indicative premium, or confirmation that a specialist is preparing your submission.
Choose your cover
Review your options, confirm your details and complete your application online.
Professional Indemnity
Cover for the advice you give, not just the work you do.
Professional Indemnity is different to general business insurance. It protects your practice against the financial consequences of professional error — not property damage or bodily injury.
What is Professional Indemnity?
Cover that responds when a client alleges your advice, design or professional service caused them financial loss.
Claims-made basis
PI policies respond to claims made while the policy is active — your retroactive date determines how far back cover reaches.
Built for your profession
Underwriting questions and cover recommendations are tailored to how your profession actually works.
The quote engine
A quote process built on real underwriting, not guesswork.
BackedSure never invents a binding premium where no rating model exists. Your application is triaged into one of three honest outcomes.
Suitable for online quotation
Where approved rating rules exist for your profession and risk profile, you can continue straight to application.
Estimated premium, subject to underwriting
We'll show an indicative monthly premium and cover summary, confirmed once underwriting is complete.
Specialist underwriting required
For complex or higher-risk profiles, a BackedSure specialist prepares the appropriate submission on your behalf.
Why BackedSure
Built as a specialist PI platform, not a general brokerage.
Specialist PI focus
Professional Indemnity is our core product, not an add-on to a general brokerage — every part of the platform is built around it.
Profession-specific underwriting
Questions, cover guidance and risk factors are tailored to how your profession actually operates.
Transparent triage
You always know whether your result is standard, indicative or referred for specialist underwriting — never a fabricated instant price.
Digital from application to renewal
Manage applications, documents, policies and renewals in one place, without paper forms.
Professional Indemnity by category
Browse the full profession directory to find the closest match to your business.
Built Environment
3 professions
Learn moreFinancial Services
3 professions
Learn moreLegal
1 profession
Learn moreTechnology
2 professions
Learn moreProperty
1 profession
Learn moreHealthcare
1 profession
Learn moreConsulting
3 professions
Learn moreProfessional Services
1 profession
Learn moreOther
2 professions
Learn moreClaims examples
What a Professional Indemnity claim actually looks like
Understanding real claim scenarios helps clarify what PI cover is for — and why it matters before something goes wrong.
architects
Design and specification errors
Alleged errors in structural coordination, detailing or specification leading to rework or defects.
it consultants
Software defect claims
Claims alleging that defective code or configuration caused business interruption or loss.
insurance brokers
Inappropriate advice claims
Claims that a product or investment recommendation was unsuitable for the client's needs.
accountants
Tax advice disputes
Claims linked to alleged incorrect tax structuring or filing advice.
Our Products
Professional Indemnity is where we start. Depending on your profession, other covers may round out your protection.
Cyber Liability
Cover for data breaches, ransomware and network security failures.
Learn moreDirectors & Officers Liability
Cover for directors and officers against claims of wrongful management decisions.
Learn moreFidelity Guarantee
Cover against employee theft, fraud and dishonesty.
Learn moreCommercial Crime
Broader cover for crime exposures including third-party theft and cyber fraud.
Learn morePublic Liability
Cover for bodily injury or property damage to third parties.
Learn moreResource centre
Understand PI before you need it
Professional Indemnity
Understanding claims-made Professional Indemnity policies
Why the policy in force when a claim is made matters more than the policy you held when the work was done.
Professional Indemnity
Retroactive dates explained
How your retroactive date determines what past work is protected, and what to check before you switch insurer.
Claims
Why you should notify a potential claim early
Late notification is one of the most common reasons a PI claim is disputed. Here's what 'early' actually means.
FAQ
Frequently asked questions
Professional Indemnity (PI) Insurance covers your business against claims from clients or third parties alleging financial loss caused by negligent advice, errors, omissions or breach of professional duty.
Start your Professional Indemnity application today.
One simple online application. Specialist assistance where you need it.