Professional Indemnity Insurance

Essential insurance for freelancers and self-employed professionals. Protecting you for any mistakes you make.

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Why buy Professional Indemnity insurance?

We all believe that accidents and mistakes happen to other people. It’s usually not until after you mess something up, you learn what you ‘should’ have done, too late. Hindsight isn’t a wonderful thing. Luckily, for those that accept accidents do happen, Professional Indemnity insurance is!

When mistakes happen Professional Indemnity insurance is there to help you get everything sorted, and ensure that you can keep working without the distraction of dealing with lawyers or handling an insurance claim. Should the worst happen you’ll have no excess to pay and a dedicated legal team by your side.

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Why choose Dinghy Professional Indemnity insurance?

We have worked meticulously to create an insurance product specific to freelancers and self-employed professionals. Dinghy’s Professional Indemnity is fast, flexible and great value. We are the first and so far only Professional Indemnity insurance provider that allows you to pay less when you are not working, giving you an insurance policy that truly matches your lifestyle.

What does Professional Indemnity insurance cover?

  • Negligence: in a nutshell, when you make a mistake or don’t use a reasonable duty of care.
  • Bad advice: when you told your client it was the right thing, but it turned out to be a disaster.
  • Defamation, libel & slander: unknowingly damaging the reputation of any person or organisation, including mental anguish or emotional distress.
  • Copyright breach: when someone alleges that your work is too similar to theirs.
  • Claims expenses: legal costs to defend you and other costs in setting the matter right.
  • Breach of confidentiality: such as accidentally emailing customer confidential data to the wrong person.

Roles that require Professional Indemnity insurance

Roles that typically require Professional Indemnity include graphic designers, teachers and tutors. As they carry a higher amount of risk, thus Professional Indemnity is recommended.

Top professions who need PL insurance


Do I need Professional Indemnity insurance?

Yes! The risk of making a mistake is always there. Even if you think you’ve done nothing wrong, the cost of defending yourself from an allegation can be thousands of pounds, with your time spent arguing rather than working. With Professional Indemnity insurance, you leave all of that to us, so you can get on with the job you love.

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How much does Professional Indemnity insurance cost?

The price of Professional Indemnity insurance varies mostly on what you do and where you do it. For instance, an architect designing large super-structures like bridges in the USA will pay much more than a web developer in London. Yours could cost less that a cup of coffee a day. Why the difference?

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How does Professional Indemnity insurance work?

If a client is unhappy with your work, or someone alleges you have used their images or music, Professional Indemnity insurers will step in and take control of the conversation. We bring world class lawyers to your side to protect you and review any allegations, so you can focus on your job.

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What level of Professional Indemnity insurance do I need?

Every customer is different. As a rough guide, if you make a mistake, calculate how much it would cost to put it right, then add any compensation for your client, plus your original fee. At Dinghy we do not offer less than £100k Professional Indemnity insurance as we believe that is the bare minimum to cover a claim; with £1m being the go-to for most customers. Best for your insurer to pick up that tab!

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Our Products

At Dinghy we have carefully crafted our insurance products with the freelancer and self-employed lifestyle at their core. In doing so they fit perfectly with your flexible hours and changing work environments. Reflecting the modern way you do business. Stack them together, manage them easily and get yourself covered.

Professional Indemnity
Public Liability
Business Equipment
Cyber Liability