PROFESSIONAL INDEMNITY
Professional
Liability
Protection
You’ve spent years building your expertise, your reputation, and your client base. A single claim, founded or not, can put all of it at risk.
In a world where advice is scrutinised, outcomes are contested, and litigation is increasingly a first response, professional indemnity cover isn’t optional. It’s the foundation of a sustainable practice.
The hardest thing about professional liability claims is that merit is irrelevant to cost. Defending a groundless claim can be just as financially devastating as defending a legitimate one.
The Risk Professionals Face
Every piece of advice you give carries a price tag, and a risk.
Whether you’re an engineer whose design is disputed, an accountant whose advice led to a tax liability, or a consultant whose recommendations didn’t land. Professional indemnity claims stem from the gap between what a client expected and what they received.
That gap doesn’t have to be your fault. It just has to exist in a client’s mind.
01
Negligence
A client alleges your advice or service fell below the standard expected of a competent professional in your field.
02
Errors & omissions
A mistake in a document, report, or design (or something critical left out) leads to financial loss for a client.
03
Breach of confidentiality
Client data or commercially sensitive information is disclosed, intentionally or not, with damaging consequences.
04
Intellectual property
Work you produce for a client inadvertently infringes third-party IP rights, triggering claims against you and your client.
“The question is never whether you made a mistake. The question is whether you can afford to prove that you didn’t.”
How We Protect You
Our Professional Indemnity policy is built around the real shape of professional liability claims – how they start, how they run, and what it takes to resolve them, whether through early settlement, mediation, or full litigation.
❌ WITHOUT PI COVER
Self-fund legal defence and appoint your own counsel at your own cost
Absorb any damages awarded personally or through the practice
While proceedings run, the practice may be paralysed
Referrals dry up, key staff leave, and the financial cost of a single claim can end a career
✔ WITH PI COVER
Specialist legal representation activated from the moment a claim is notified
Defence costs covered in full up to the chosen limit
Mitigation costs available to contain issues before they escalate
Your practice continues, your reputation is defended, your focus returns to your clients
The disciplines we protect
PI cover is essential for any individual or firm providing advice, expertise or professional services for a fee. Whatever your discipline, our policies are structured around the claims that actually arise in your field.
PI Miscellaneous
Management consultants, business advisers, and other professional service providers.
PI Built Environment
Architects, quantity surveyors, engineers and project managers.
PI Annual Design & Construct
Engineers across all disciplines and practice types.
PI Accountants
Accountants, auditors, and tax practitioners.
PI Attorneys
Legal practitioners and law firms of all sizes.
PI FSPs
Financial advisers and investment managers regulated under FAIS.
PI Computer Industry
IT consultants, software developers, and technology service providers.
Your expertise is your business. Protect it with the cover it deserves.
Why Leppard
Specialists in professional indemnity
Professional indemnity claims are not generic liability claims. They’re shaped by your discipline, your client relationships, the nature of the advice you gave, and how that advice was received. Our PI underwriters understand those distinctions and our policies are built around them.
Discipline-specific cover
We don’t offer one PI product and call it done. We’ve structured cover around seven professional disciplines each with its own risk profile, claim types, and defence requirements.
Built for how claims unfold
Our policy covers the full arc of a PI claim, from early notification and mitigation through mediation, settlement or full litigation, not just the verdict at the end.
Mitigation costs included
When an issue emerges, acting early can limit the damage. Our policy includes mitigation costs so you can respond before a situation becomes a formal claim.
Protects what you’ve built
Your expertise is your business. The right PI cover means a single disputed engagement can’t undo a practice built over years, or a reputation built over a career.
One missed detail, one disputed deliverable, one unhappy client, that’s all it takes. Professional Indemnity cover means your reputation and your finances don’t have to be on the line at the same time.
Without cover, a single claim can drain your resources, disrupt your practice and damage the reputation you’ve spent years building.
