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Professional indemnity care insurance
Our care professional indemnity and liability product comes as part of a complete business liability package.
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Up to £5m cover online for professional indemnity, public liability, and product liability cover*
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Limit can be increased to £10m (contact us to discuss)
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Protection against defence costs and 24hr legal advice helpline
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No excess to pay
Why choose professional indemnity care insurance with Everywhen?
Specialist professional indemnity quote in just five minutes
No need to wait to get covered, simply get a quote in five minutes.
No hidden fees or charge
Making sure you know that you will not have further costs down the line.
Professional indemnity up to £5 million
Cover for any costs awarded against you.
Care professional indemnity cover all in one place
Public liability, products liability and professional indemnity in one policy (check the policy wording for exclusions).
What does professional indemnity care insurance cover?
Professional indemnity care compensation claims covered
There is no cap on how much a compensation claim can be in the UK. This means a claim could be hundreds of thousands, even millions of pounds. Your policy can protect you against claims for compensation for financial loss suffered by your customers, up to the limit of indemnity.
Protection against defence costs
As well as covering successful compensation claims against you, our policy can also cover you for the defence costs of an unsuccessful claim, including loss of earnings. If you suspect a claim is being raised, we’ve teamed up with a 24-hour helpline service which can provide instant, impartial advice.
Specialist care professional indemnity policies available
We offer policies designed for therapists, trainers, consultants and hundreds of other professions, meaning you can be confident you have the right cover. We can also source discounts for many of our customers who belong to professional organisations and industry bodies.
All-round care cover from our liability package
Professional indemnity forms a vital part of our liability package, which also includes: public liability, employers’ liability, products liability and libel and slander cover. With our package, your business is covered against a range of legal related risks.
How do professional indemnity claims work?
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
Find your insurance documents and make sure you have all your information at hand, including your policy number.
Call the claims team for current claims on 0330 123 5921. From 1 Nov, new claims on 01273 863 450, and explain exactly what happened
Provide photos if requested to help us understand what happened as quickly as we can.
What our customers are saying
Professional indemnity care insurance FAQs
Wondering about something? Don't worry, Everywhen is here to help. We've put together some common questions about professional indemnity insurance cover to support you every step of the way.
For their own liability reasons you are unlikely to find an insurance company who will advise you exactly on how much cover you need. It is essentially your responsibility to take out adequate cover although our advisors can go through your options over the phone and explain how you might want to calculate this cost. Alternatively, many industry organisations or professional bodies will likely be able to offer your some advice.
Professionals who send out products, offer advice of some kind, or provide some services from their own home can still cause harm for which they may be liable. For this reason it’s important you don’t make an assumption that you can’t do any damage when tucked away in your own home, and speak with an adviser about your risks.
When you stop trading or retire we recommend you still have something called ‘run off’ cover. This means that claims raised against you for an event that happened while you were still trading are covered (a claim can be raised any time up to 3 years after the fact). When you are ready we can arrange cover for you for this.
Many of our customers can get a discount on their insurance simply by being a member of a professional association or industry body. What’s more, for many of these, we also offer profession specific policies too. This means you can get specific cover with great discounts! Speak to one of our advisers to find out how much you can save.
If you prefer to spread the cost of your annual premium, we offer a quick and easy direct debit scheme. When you choose to pay premiums in instalments, you will be paying under a Premium Finance plan.
We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments and the cost of each, as well as the representative APR.
See our range of cover
Care home insurance
Dental indemnity insurance
Domiciliary care insurance
Opticians insurance
Surgery insurance
Charity insurance
Dental laboratory insurance
Foster home insurance
Pharmacy insurance
Veterinary practice insurance
Chiropodists and podiatrists insurance
Dental nurse insurance
Hospice insurance
Schools insurance
Complementary therapist insurance
Dental practice insurance
Medical indemnity insurance
School staff absence insurance
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*The limit of indemnity selected will be the limit provided in any one claim and the limit in the annual aggregate in any one period of insurance in respect of pollution or contamination.