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Our Approach

Professional Indemnity insurance is a risk management solution that will respond and protect you in the event that your business is sued by a client, owing to a negligent act. This is likely to happen if a client is dissatisfied with the work your business has produced or professional advice you have provided. You may even encounter a negligence claim even if you have not made a mistake.

Provided that you are trading in a professional capacity that provides advice and services to your clients, Professional Indemnity cover should be seen as an essential ingredient in your risk management portfolio as a means of protecting your financial position.

All of us are confident in the quality of work we produce, but even with the best intentions, unforeseen circumstances such as accidental errors and disputes over quality can arise. If they do, Professional Indemnity insurance may be the solution that can help protect your business if claims are brought against your business by a client. Professional Indemnity insurance will help remedy any mistakes and cover any entailed legal costs.

We take a cooperative approach to the risk management process, working with “select” underwriters to meet the client’s needs and expectations. That’s why, on some policies, we are able to source insurance terms – with no excess payable, Difference in Condition (DIC) clauses and capped excesses – for firms which meet underwriter’s criteria and discretion.

Underwriter’s criteria

Established firms in England and Wales with good claims and disciplinary records including:

– Firms with up to 20 partners

– Small firms with under five partners

– Sole practitioners

– Start-up firms

– General high street firms with a mix of work

– Specialist firms focusing on:

  • Accountants
  • Architects
  • Engineers
  • Design & Construction professionals
  • Insurance Brokers
  • Management Consultants
  • Media professionals
  • Recruitment Agents
  • Surveyors and affiliated professions
  • IFAs
  • And a wide range of miscellaneous professions


Scholar and Partners believe that the standard Professional Indemnity policy offered by some has shortcomings and could be financially inefficient for those clients with specific business operations who are seeking to minimise their premium expenditure.  Therefore, to address these limitations, we have access to a competitively priced Professional Indemnity insurance cover 100% underwritten and backed by “A-rated” Insurers. For firms which meet underwriter’s criteria, this scheme has a number of benefits and pricing advantages, which are summarised and detailed in the titled section What’s Covered.


DIC (Difference in Conditions) clause as standard throughout the period of cover
UK and International firms (including USA and Canada)
Nil first excess
Up to £15,000,000 limit of indemnity
Capped Excesses
Tacit Renewal Provision
Claims handled by PI specialists
Free Legal Helpline for one-off legal queries
Free Collateral Warranty Checking Service for architects and engineers

  • Nuclear, Chemical, Biological or Radioactive contamination
  • Information Technology
  • Asbestos
  • Nuclear Installations
  • Confiscation
  • Pollution unless from an act of terrorism or sabotage
  • Emotional distress unless as a consequence of physical injury
  • Strikes, riots or civil commotion unless caused by an act of terrorism
  • War


Next Steps…

Please feel free to contact us via the ‘contact sheet‘, and one of our friendly Scholars will be able to assist you with any query at a time convenient to you. Requesting a quote? Our Scholar can help you with that too.

Contact a Scholar

Additional solutions for your business?

Cover not listed? Let one of our dedicated Account Manager know your insurance needs and we can discuss all of the available options at a time convenient to you.