Our Insurers
When your expertise is your product, your insurance needs to reflect that. We arrange PI, cyber and office cover for consultants, accountants, solicitors, architects, IFAs and specialist advisers across the UK.
Professional services firms face risks that generic commercial insurance simply doesn't address. We place cover with specialist markets for:
PI cover for strategy, change management and operational consultants. Includes cover for negligent advice and deliverable failures.
ICAEW, ACCA and AAT-regulated firms. We understand run-off requirements and the specific PI wordings needed for accountancy practices.
SRA-compliant professional indemnity for law firms. We work with specialist legal PI markets and understand minimum terms and conditions.
ARB and ICE registered practices. PI for design, specification and project management. We handle the retroactive date issues that catch practices out.
FCA-regulated adviser firms. PI cover aligned with regulatory requirements, including specific wordings for investment advice and pension transfers.
PI and EL for recruitment agencies and HR consultancies. Cover for placement failures, candidate vetting claims and employment disputes.
Most professional services firms need a combination of covers. We review your exposures and put together a programme that doesn't leave gaps.
The foundation of any professional's insurance. Covers legal costs and compensation if a client claims your advice or work caused them financial loss. We negotiate wording, limits and retroactive dates carefully.
Professional firms hold sensitive client data. Cover for data breaches, ransomware, regulatory investigation costs and business interruption from cyber events. Increasingly required by clients and professional bodies.
PL for injury or property damage to third parties. EL is a legal requirement if you have employees, including part-time and temporary staff. We combine these efficiently to reduce cost.
Protects company directors and officers from personal liability for management decisions. Increasingly relevant as regulation increases. Covers investigation costs, regulatory defence and employment claims.
Buildings, contents, IT equipment and business interruption for your office. Covers working from home exposures that are often excluded under standard PI policies.
Employment disputes, contract disagreements, tax investigations and debt recovery. Protects your firm from the cost of legal proceedings that fall outside PI.
PI operates on a claims-made basis — meaning you need cover in place when a claim is made, not just when the work was done. Your retroactive date should go back to when you started in business. We check this on every renewal.
Regulatory minimums are rarely sufficient. We look at your contract values, the scale of client engagements and any contractual requirements to recommend appropriate indemnity limits — from £250k to £50m+.
When a firm closes or a partner retires, run-off cover protects against claims arising from past work. Without it, the individual or dissolved company is personally exposed. We advise on run-off arrangements as standard.
SRA, FCA, ICAEW, ARB and other bodies have specific minimum PI requirements. We know what each regulator demands and ensure your policy satisfies them — avoiding the costly situation of non-compliant cover.
We've placed professional services PI for over 35 years. We understand what insurers look for and how to present your firm in the best light.
We read the policy wording, not just the premium. Exclusions, aggregation clauses and retroactive dates are checked on every placement.
We access Hiscox, Markel, AXA, Zurich and specialist Lloyd's PI markets unavailable through standard routes.
We review your cover before renewal, not on the day. If your practice has grown or your work has changed, we re-market to get the right terms.
A London-based management consultancy advised a client on a restructuring programme. The client alleged the advice was negligent and that the resulting changes caused significant revenue loss. A claim for £380,000 was made. The insurer appointed specialist solicitors, defended the bulk of the claim and settled for £95,000 — well within the firm's PI limit. Without cover, the consultant would have faced personal liability.
Tell us about your business and we'll come back with a competitive quote — usually within 24 hours. No automated responses, just a specialist broker who knows your sector.
Prefer to talk? Call 0208 909 2899 Mon–Fri 9am–6pm or drop us an email at info@foruminsurance.com