Professional Indemnity

Professional Indemnity Insurance policies are designed to protect Businesses against Legal Liability as a consequence of negligent professional advice.

We aim to develop a real understanding of your business to ensure the cover provided genuinely meets your needs. Our expertise and years of experience in Professional Indemnity Insurance means that we can provide competitive premiums for all trade professionals.

Along with our Solicitors Indemnity Insurance, we also cover the following professions:


As an accountant, your clients expect the utmost care and attention, but even in the most competent hands, mistakes can happen that cost you time, money, and your firm’s reputation.

Our Professional Indemnity Insurance provides essential financial protection that will cover you in the event of claims brought against you by a client.

Typical Exposures we cover:

Auditing errors

Breach in Confidentiality

Cover for Fidelity

Damages awarded by Ombudsman

Defence for third party or client claims

Failure to lodge tax returns



Legal Fees

Loss of documents

Negligent advice leading to financial loss


In recent years a number of insurance underwriters announced that they would no longer provide cover for Architects. Fortunately, Murray & Spelman are still in a position to provide highly competitive rates from a number of A-Rated insurers.

We offer PI cover that protects our clients in the event of a loss arising due to potential breach of duty by way of neglect, error and/or omission.

Typical Exposures we cover:

Breach of privacy

Breach of intellectual or industrial property

Joint ventures

Loss of documents

Misleading or deceptive conduct

Vicarious Liability

>Auctioneers/Estate Agents

We provide Professional Indemnity cover for Auctioneers, estate agents and property management consultants.

Our cover protects against claims that may arise in respect of our client’s legal liability as a consequence of negligence in professional duty.

Typical Exposures we cover:

Fidelity Cover

Legal Expenses

Liable and Slander

Loss of Documents

>Engineers Professional

We recognise that Engineers want to purchase their professional indemnity insurance using a fast and hassle free approach, this is why Murray & Spelman guarantee a quick quoting turnaround along with very competitive prices.

Typical Exposures we cover:

Building regulation approvals and supervision activities

Contract preparation and administration

Negligent client advice

Preparation of specifications, designs and plans

>Information Technologies

Technology has evolved at a phenomenal rate and so too have the risks and exposures associated with it.

Murray & Spelman can provide Professional Indemnity cover for simple or complex risks and tailor our policies to meet the needs and priorities of clients.

Typical Exposures we cover:

Breach of Confidentiality

Dishonest or malicious acts by employees

Error or Omission

Infringement of Intellectual Property Rights

Loss of Documents



Negligent Act

Primary and Excess Layer Protection for IT Consultants

Telecommunications Consultants

Software developers

>Management Consultants

At Murray & Spelman, we understand the risks faced by Management Consultants and this allows us to tailor insurance solutions to suit your business needs.

A potential claim can cost you time, money & damages to your reputation, and our expertise in addition to our years of experience in dealing with Professional Indemnity Insurance means that we can provide competitive premiums for all trade professionals.

Typical Exposures we cover:

Defence Costs (in respect of policy limits)

Errors and omissions

Dishonesty of employees

Loss of documents & defamation

>Recruitment Agencies

Knowledge and experience are important when it comes to recruitment and we recognise the risks associated with this type of profession. This is why we understand how to create efficient and affordable insurance that protect your agency against a multitude of risks.

Typical Exposures we cover:


Defence costs in addition to policy limits

Dishonesty of employees

Error, omission and misstatement


All Surveyors must maintain a minimum level of Professional Indemnity Insurance (PII) as stated by the Society of Chartered Surveyors and our PII cover meets these requirements.

We provide essential financial security to help safeguard your company in the event of a claim that may be brought against you due to errors or omissions in work you have completed for a client.

Typical Exposures we cover:

 Approvals of Building Regulations

Property Sales

Property Management

Valuations and Administration

To discuss your business and its Professional Indemnity Insurance requirements, please contact any member of our commercial team.

Lead Contacts


Barry Moran


Rick Dawson