Professional Indemnity Insurance in Brighton
PI operates on a claims-made basis, meaning the policy in force when you report a problem is the one that pays out—regardless of when the work was done. This creates obligations most professionals don't fully understand: circumstance notification, retroactive dates, and the need for continuous cover or run-off if you stop trading. We help Brighton professionals—from consultants and architects to software developers—structure PI that meets regulatory minimums, satisfies client contracts, and actually responds when a complaint escalates into a formal claim.
Key points
- Consultants and advisers
- Accountants and financial advisers
- Architects, surveyors and engineers
- IT professionals and developers
- Marketing and PR agencies
- Healthcare professionals
Frequently asked questions
- What does professional indemnity insurance cover?
- PI insurance covers claims arising from alleged negligence, errors or omissions in your professional work. This includes financial losses your client suffers due to your advice or services.
- How long should I keep professional indemnity insurance?
- You should maintain PI cover for as long as you could face claims, typically 6-12 years after completing work (depending on contract type). This means continuing cover after retirement or closing your business.
- Is professional indemnity the same as public liability?
- No. Professional indemnity covers financial losses from your professional advice/services. Public liability covers physical injury or property damage. Most professionals need both.
- What is a retroactive date and why does it matter?
- The retroactive date is the cut-off before which work isn't covered by the policy, even if the claim is reported during the policy period. Keeping your retroactive date 'unlimited' or aligned with the start of trading means your full back-catalogue of work remains insured at every renewal.
This page is part of https://becks.insure/professional-indemnity-insurance-brighton. Becks Insurance Brokers is an independent, FCA-regulated commercial insurance broker based in Brighton, advising businesses across Sussex and the UK.