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PROFESSIONAL INDEMNITY INSURANCE

Defend your business against negligence claims

Professional Indemnity Insurance covers your business if a client claims they lost money because of a mistake you made while working.

Open a Tide account today to get a quote for business liability insurance and be covered for up to £1M, directly in the app*.

Get a quote

Already a Tide member? You can get a quote directly within the Tide app under the Finance tab.

Tide I.S. Limited is an appointed representative of Able Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority (FCA FRN: 311649).

*Eligibility criteria and T&Cs apply.

Benefits of Tide business insurance

Protect your business quickly and easily – with no unnecessary questions or fuss.

Flexible

Get a quote in minutes via the app, pay monthly and cancel your annual policy at any time.

Seamless payments

Get monthly reminders when your payments are debited from your Tide business account, no manual setup needed.

One-stop shop

Manage all policies and documents in one place via the app. Get member support for any questions and look forward to new cover options coming in 2026.

Get a quote

What is professional indemnity insurance?

What is professional indemnity insurance?

Professional Indemnity Insurance can be an essential business insurance policy that provides professional services or advice. It covers any legal costs and damages if a client claims you made a mistake, were negligent, or gave poor advice. 

What does professional indemnity insurance cover?

Professional Indemnity Insurance covers all businesses that provide services or advice and protects you from financial loss. Here’s a breakdown:

What does professional indemnity insurance cover?

Professional Indemnity Insurance covers all businesses that provide services or advice and protects you from financial loss. Here’s a breakdown:

Professional negligence

If errors in advice or services are provided to a client, causing financial loss. For example, an accountant files a client's tax return incorrectly, leading to a penalty from the tax authority.

Breach of confidentiality

If your business accidentally shares sensitive client data with a third party. For example, an architect mistakenly emails a client's building plans to a different company.

Infringement of intellectual property rights

If your business uses copyrighted material without permission. For example, a marketing agency uses a copyrighted photo on a client's website without permission.

Defamation and libel

If you make false claims against a competitor or client’s reputation. For example, a consultant makes a false claim about a competitor in a public blog post.

Loss of documents

If you lose or damage client documents that are in your care. For example, a consulting firm's laptop containing a client's confidential data is stolen.

Get a quote

Get professional indemnity insurance in just a few steps

  1. Download the Tide app

  2. Tell us about your business and verify your identity

  3. Your business account is approved and ready to go

  4. Get a quote and purchase your policy via the app*

 Open a business account

*Eligibility criteria and T&Cs apply.

What do I need to get a professional indemnity insurance quote?

Getting a professional indemnity insurance quote at Tide is easy – you just need some basic information about your business to get started.

Business details like name, address and type

Size of your team

Your business’s financial background

Annual revenue

Get a quote

Tide business insurance policy documents

At Tide, we believe business insurance should be transparent and easy to understand. After you get a quote, we’ll send you a document that clearly breaks down your cover and what it includes.

Public and Employee Liability Policy Summary

See policy details

Professional Indemnity Summary

See policy details

Insurance Policy Wording

See policy details

Join over 1.5 million members worldwide

What members say about Tide

Charlotte Davitt-Mills
Shotley Vineyard

"Tide works in harmony with your business. It's really user friendly and it's there alongside you kind of every step of the way, helping you grow your business."

Matt Herd
Beaucroft Watches

"Everything became digital, and Tide just made it so easy. Everything was easy to set up. We didn't need tremendous amounts of paperwork or history to set up an account."

Aaron Mo
Ong Ong Buns

"With the help of Tide and their team of business finance experts, I was able to navigate the complexities of business finance, and secure the necessary funds to grow my business."

Ismail Uddin
NYAS Studio

"We were just in Portugal last week where we were having to make some payments and pay invoices, and I was just doing it from my phone on the beach...that was good."

Questions about professional indemnity insurance?

Find answers to all our most frequently asked questions in our Help Centre.

We understand businesses, it's all we do

Tide is built by business owners for business owners. That’s why we’re trusted by over 1.5 million sole traders, freelancers, and limited companies worldwide.

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