Professionals Insurance
£1 million of public liability cover included as standard.
Reasons to rely on Churchill for Professionals Insurance
- £1 million Public Liability Cover as standard, you can increase it to £5 million or £10 million
- Cover for a wide range of small business and self-employed professions
- Up to £5 million Professional Indemnity Cover
- Cover for your staff with up to £10 Employers' Liability Insurance
- Business equipment cover up to £10,000
- Our specialist claims handlers will guide you through making a claim
- Access to our 24-hour legal advice line
What is Professionals Insurance?
Churchill’s insurance for professionals covers you for 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.
What does Professionals Insurance cover?
Business Insurance for professionals starts with our standard Public Liability cover, and you can add a range of optional extras to tailor your policy to exactly what you need.
Public Liability Insurance
Public Liability Insurance isn’t legally required, but it gives you peace of mind when you’re working with clients at their homes or in your office.
Having Public Liability Insurance means you’re covered if a client injures themselves while visiting your home or office. It also gives you cover if you accidentally damage a client’s property while you’re visiting them for business purposes.
Our Public Liability Insurance offers you up to £1 million of cover as standard, with the option of increasing it to up to £10 million.
Find out more about Public Liability Insurance
Employers’ Liability Insurance
Employers' Liability Insurance is a legal requirement under the Employers’ Liability Act 1969 if you employ staff or apprentices.
It covers you if one of your employees is injured or becomes ill while they’re working for your business.
You can add £10 million of Employers' Liability cover to your public liability policy as an optional extra.
Find out more about Employer’s Liability Insurance
Professional Indemnity Insurance
Professional Indemnity Insurance covers your compensation and legal fees if a client accuses you of providing inadequate advice or services and makes a claim against you or your business.
For example, emailing sensitive information to the wrong contact isn’t a mistake you’ll make very often, but it could result in legal action against you.
Professional Indemnity Insurance is important if you offer professional services to a client and they believe your advice caused them to lose money or suffer reputational damage.
You can add up to £5 million Professional Indemnity Insurance to your Professionals Insurance policy as an optional extra.
Find out more about Professional Indemnity Insurance
Tools and business equipment cover
How would you cope without the tools of your trade?
You can cover your valuable tools and business equipment up to £10,000 as an optional extra for added peace of mind.
Our tools cover includes mobile phones and laptops.
Who does Professionals Insurance cover?
We cover a large number of small businesses and self-employed professionals including:
- Consultants
- Hairdressers
- Beauticians
- Accountants
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 cover you against other significant risks, like a named member of your team having an accident at work.
Make your policy work for you
Tailor your cover with our optional extras
Public Liability Cover up to £10 million
Cover 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.
Treatment Liability Cover
Cover for health, beauty and wellbeing treatments. It covers you 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
Up to £25,000 cover if your business stock is damaged or stolen.
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
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 23 August 2023
Policy documents for policies starting 23 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.
