If you aren’t sure if you need insurance or not, then you are not alone. So many…
FCA Authorised & Regulated
Specialist Cover Quoted within 24 hours
Dedicated UK Insurance Specialists
50,000 + Active Policyholders
Fast Specific Cover
We are industry specialists. We compare products and polices from many different insurers to save you time and money
Easy Claims Process
Accidents and Incidents can happen. When it does, rest easy knowing our team is on hand to make this process as quick and easy as possible
No mid term fees, ever
As you business grows and evolves you can be sure that we wont make any additional charges to your insurance policy so you need to scale up or down.
Refer a friend to us and you can receive up to £50. Your friend will receive the great benefits that you do too.
Specialist that understand
We know how your business works and where the potential pitfals are. Help is always on hand, whenever you need it.
Tailor made policies
We realise that one size doesn’t fit all. Our policies are expertly crafted to meet your specific requirements.
Clarity of cover and putting you first. Its built into our ethos and everything we do at Livingstones. Put us to the test, you'll be glad you did.
Positive green credentials
We support local charities and are making huge strides to reduce our environmental impact as much as possible.
To help you budget, we offer monthly installments on all of our products. A small helping hand to help with your finances.
Why would I need Professional Indemnity?
Professional Indemnity FAQs
Any business can be accused of negligence and errors do happen sometimes, so all businesses benefit from professional indemnity cover. Although business-to-business companies are more likely to need it, all business owners should consider it.
What does professional indemnity protect me from? Professional indemnity cover protects your business in a lot of situations. If a client attempts to sue you because they don’t believe you offered the service that was advertised, for example, you will be covered. It can also protect you if you lose data or sensitive documentation or inadvertently breach intellectual property laws. Many businesses also use their professional indemnity insurance to manage the legal costs during libel cases.
Defamation is when false information is used to damage the character of an individual or an organisation. If the statement is written down, the term libel is used to describe it but if it is spoken, it is slander. If your business is involved in a defamation lawsuit, professional indemnity will cover you.
Negligence is defined as failing to perform responsibilities to the required standard or breaching a duty of care. From a business standpoint, this means failing to deliver a service as agreed upon with the client. If a client is unhappy with the service, they can raise a negligence claim against your business and demand compensation. They will then have to prove that you did not provide an adequate service.
A breach of confidentiality occurs when sensitive data is passed on to a third party without the consent of the data owner. Regardless of whether it is intentional or not, you may be sued if you share data that is not owned by you.
Yes. Any kind of business insurance is considered an expense and is tax deductible.
The nature of your work and the size of your business, among other things, will be considered when determining the cost of your insurance policy. The price can vary from business to business. Here at Livingstones Insurance, we can talk you through all of the different policies available to you to help you find the right one.
Working with the right insurers is the only way to save money on your insurance costs. We can help you find the perfect policy at an affordable price.
Benefits of professional indemnity
- Protect your business from legal challenges
- Prevent financial difficulties caused by compensation payments and legal costs
- Protect your business reputation
- Comprehensive cover available for all kinds of businesses
- Immediate cover provided
- Low cost options available
- Flexible payment options to suit your business
- Excellent customer service
- Work with reliable insurance providers
- 24 hour claims line and simple claims process
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