Complete Professional Indemnity

Complete Professional Indemnity covers the insured against a legal liability to compensate third parties for injury, loss or damage due to a breach of duty in the conduct of their profession. This cover should be considered by any SME that offers advice, design, skills or knowledge in a professional capacity.

This product is specifically designed to cover SMEs with a turnover of up to £7,500,000 or £2,500,000 for those operating on a fee income basis.

Features of Complete Professional Indemnity

  • Cover for breach of professional duty – infringement of copyright, breach of confidentiality, defamation and other types of civil liability with a limit of indemnity up to £5,000,000
  • Fraud and dishonesty – liability of your business to any third party resulting from fraudulent or dishonest conduct
  • Lost documents – costs of replacing or restoring documents lost or damaged in transit in custody or control up to £100,000
  • Court attendance cover – if attending court as a witness when defending a claims up to £300 per day (£150 for employees)
  • Joint ventures cover – cover against the liability arising from the customer’s professional services in relation to any joint venture.

Cover can be provided:

  • On an innocent non-disclosure condition – waiving our rights to avoid the insurance cover in the event we are satisfied of innocent non–disclosure, or innocent misrepresentation
  • On a claims made basis – as opposed to occurrence basis
  • On a civil liability basis (widest form of cover available) – allows for any civil liability to be claimed, rather than restricted errors and omissions cover
  • On any one claim basis for the majority of our trades and across our 11 wordings – every single claim made during the period of insurance is entitled to the full indemnity limit. Alternatively, for the small number of trades where AOC is restricted, or due to client preference, we can arrange cover on an aggregate basis for the costs of defending claims and damages associated with losses incurred as a result of alleged professional neglect or omission.

For full details, download our fact sheet or contact our small business team.

Small Business Solutions

For more information on our SME proposition, download our Small Business Solutions brochure.

Risk Appetite

Preferred Trades

  • Companies with a turnover of up to £7,500,000 or £2,500,000 for those operating on a fee income basis
  • Private companies (non-listed companies, e.g. Ltd)
  • Accountants
  • Architects
  • Bailiffs
  • Construction
  • Call centre and outsourcers
  • Engineering
  • Estate agency
  • Insurance brokers
  • Interior designer
  • Landscape gardener
  • Management consultants
  • Media
  • Motor trade
  • Photographer
  • Recruitment consultants
  • Surveyors
  • Technology and telecommunications.


  • Free risk management advice – can help your clients save money, comply with health and safety regulations and reduce claims frequency
  • Preferred supplier discounts – available via our extensive network of service providers
  • Engineering – cover available from Allianz Engineering
  • Glass replacement specialists – available 24/7/365
  • Claims helpline – available 24 hours a day, 7 days a week.

Documentation for Complete Professional Indemnity

To download copies of our Complete Professional policy documents, please click the links below:


When your client makes a claim, they need an insurance provider that understands their loss and will be there at the crucial moments, providing them with the necessary help to get them trading again as quickly as possible.

We'll provide your client with:

  • A dedicated claims handler
  • Out of hours helpline
  • Claims analysis
  • Fraud prevention
  • Expert legal advice.

In addition, we have specialist claims teams to manage certain losses:

  • Dedicated risk experts specialising in property and liability claims
  • Major Loss Team
  • Disease Team
  • Engineering Team
  • Rehabilitation Team
  • Allianz Claims Inspectors.

For more detail on our claims service, please refer to the product documentation.

Follow the links below to find claims contact information:

Get a quote for Complete Professional Indemnity today!

Our award-winning digital trading solution, QuoteSME, gives you 24/7 online access to our SME products.

Simply log in and select Complete Professional Indemnity from the welcome screen, then complete the questions to obtain your quote.

Visit QuoteSME to get a quote

Please contact our small business team if you require any assistance.