Professional Indemnity

Professional Indemnity insurance protects against the risk of claims being made as a consequence of advice given in the course of your professional activity. Tower Insurance offer Professional Indemnity cover with the benefit of a full civil liability wording in most cases - the broadest form of cover available. And with a range of specialist wordings for the many different professions we should be able to provide you with exactly the cover you need. For those businesses who operate from offices, our Professional Insured Office product can be added to protect most of the other risks you face.

What types of professional can be covered?

We are all increasingly reliant on professional advice of one sort or another to help us in our personal and commercial lives. As a consequence, the range of professionals seeking professional indemnity cover is ever increasing. Tower Insurance provides cover for the traditional professions as well as the more contemporary and emerging professions for whom the giving of advice may form only a part of what they do. Examples of the type of professional we can insure include:

Accountant CounsellingService InteriorDesigner
Actuary Dentist Landscape Architect
Advertising Agent Design & Construct Loss Adjuster
Arbitrator Design Consultants Management Consultant
Architect Design Engineer Market Research
Auctioneer Direct Marketing Agency Marketing Consultant
Author Draughtsman / Graphic Designer Motor Engineer
Careers Advice Service Engineer Relocation Agent
Chamber of Commerce Environmental Consultant Secretarial Services
Charity Estate Agents Surveyor
Civil / Structural / Consulting Engineer Forensic Scientist Tourist Board Association
Company Registrar Funeral Director Town Planner
  Immigration Consultant Trade Union
    Youth Counselling

What cover is available?

Professional Indemnity cover is generally provided on a civil liability basis - it protects you against claims made against you resulting from the conduct of your professional business, including any costs or expenses that may be awarded against you. Where you may be subject to awards against you by an ombudsman, those awards will also be covered.

The Benefits of Tower Insurance Professional Indemnity cover:

  • A locally based claims team, for when you need us most.
  • A policy designed and priced specifically for Isle of Man businesses.
  • Local customer service teams for you and your broker.