Professional indemnity insurance covers the cost of defending your charity or other social welfare business, against allegations of professional negligence.

Claims of negligence can include: giving poor or incorrect advice to a user of your services, unintentional breach of confidentiality or copyright, defamation or libel, loss of documents or data and loss of money or goods for which you are responsible.

Such a claim could be detrimental to your reputation and finances as you are likely not financially secure enough to pay damage costs and compensation.

We can also advise on the right level of employers’ and public liability insurance, which is essential if you deal with members of the public and covers the cost of defending your charity if a third party is injured or their property damaged as a result of your negligence, up to £5m. It can also provide cover should you need to defend your charity against allegations of abuse, breach of professional duty and medical malpractice.