Professional Indemnity Insurance provides invaluable protection against claims and allegations of negligence. This includes mistakes made in the course of your business and can be in the form of inadequate advice, service or design. Importantly, cover is also provided for legal costs in defending an allegation or claim.

For many professions, PII cover is a compulsory part of regulation (for example for Solicitors, Accountants, Surveyors etc), however for other professions whilst cover is not compulsory it is just as important as mistakes do happen even in the best run businesses.

Why Use ULP?

ULP are uniquely placed to offer an individual solution for all types of business, regardless of size.

  • Solicitors
  • Pension Trustees
  • Accountants
  • Surveyors
  • Estate Agents
  • IT Consultants
  • Publishers
  • Medical Professionals
  • Business Consultants
  • Management Consultants


ULP are a niche Firm offering a specialist and hands on approach for your professional indemnity arrangements.  Our Directors each have over thirty years specialist knowledge and experience in dealing with everything from new start-up practices to complicated claims scenarios and risk management issues.  Cost effective solutions can be found for straightforward cases through to more challenging placements, be that either by work type, claims experience, successor practice history or management issues.

As independent Brokers, we are best placed to provide you with truly impartial advice and work closely with you to secure the best terms possible.  Unsurprisingly, different Insurers have a varied attitude towards risk and their ideal Firm profile.  By understanding these factors we will assist you in obtaining the optimum premium for your individual Firm.  No two Firms are alike, so a dedicated, individual approach will be applied for you, regardless of the size of your Firm.


If you wish to apply for Professional Indemnity Insurance, please complete the form and return it back to us.


We have compiled a list of frequently asked questions and answers. But if your question is not listed, do call or email us.

In certain instances, accepting an early renewal offer may be the most appropriate or cost effective way forward.  However, Insurers only issue early renewals to Firms that are a good risk profile and profitable business to them.  They are offered in an attempt to thwart competition.  In reality this means that your Firm could well be target business for other Insurers and, in a competitive marketplace, your Firm may not have seen the benefits of the ‘soft market’.  ULP will provide you with a free, no obligation, independent view – if your early renewal really does make sense to the Firm given your individual circumstances and the market conditions, then we will be happy to advise you of that.

ULP have access to a wide variety of Insurers for Firms of all sizes, however we do not have any exclusive arrangements of our own.  This means that we can stay truly independent by not having to pre-set income targets with Insurers.

ULP encourage meetings with current and prospective clients as this enables us to fully understand your business, your aspirations and individual needs.  If a zoom or teams meeting cannot be arranged, then we can pay you a visit.

Yes.  Most Insurers will consider policy periods for most Firms up to eighteen months and, if the market conditions are right and the Firm is in a growth cycle, this can be hugely advantageous.  We will discuss the merits of the options available on an individual basis.

Absolutely.  Starting a new Practice is fraught with difficulties and your SRA application will not be considered fully unless you are able to prove that you can get Professional Indemnity Insurance cover.  Insurers will expect to see a well thought out business plan, and ULP can work closely with you to ensure the most successful outcome.

The cost of compulsory Run Off (currently six years) is predetermined within your policy wording and varies from Insurer to Insurer.  It is not usually possible to negotiate the cost of Run Off Cover, but if you are planning retirement we can advise you as to the possible course of action.