Selecting the right indemnity insurance company is extremely important for any entity that provides professional advice or services. Given the rapidly changing business landscape in the UK, you can almost see new threats arising on a daily basis. It is important to have a provider that tailors indemnity insurance to your specific situation, offers valuable support, and actually provides something in return for your hard-earned money. In this guide, we select the ten most trusted professional indemnity insurance providers in the UK for 2025 that can help to protect your good name and finances.
10 Best UK Professional Indemnity Insurance Companies
Below are the ten most trusted names in the UK, each of which offers reliable, professional indemnity insurance services and client protection:
1. Legal Ex Plus
Legal Ex Plus is unique in the legal-focused professional sector, with a comprehensive policy. The policy includes defence costs in addition to the sums to be paid under a claim. One of the key features of Legal Ex Plus is its depth of knowledge in dealing with legal claims. They assist solicitors and law firms in managing risks, offering advice customised to the needs of legal practice.
2. AXA UK
AXA UK is well-known for its flexible, professional indemnity insurance offering. It allows businesses to choose their level of cover up to £5 million, as well as additional cover. AXA UK stands out by offering flexible policies tailored to the needs of various industries. Also, it includes directors and employees as indemnity claimants when in court. AXA also has a digital hub that allows you to manage your policy online.
3. Direct Line for Business
Direct Line for Business is very transparent with its pricing. The pricing starts at around £200 per annum for small businesses. Their policies are suitable for the freelancers, contractors, and SMEs. It gives you comprehensive cover that protects you against negligence, errors, or omissions. They offer a smooth, easy-to-use online quoting and claims service that is fully managed in the UK.
4. Aviva
The indemnity insurance from Aviva is a high-end choice that provides customised coverage for a variety of businesses. They provide coverage for multiple types of industries including IT, accountancy, architecture and more. They consider risks of breach of duty, libel, and loss of documents. Also, they can cover up to £25 million in business turnover. Aviva adds value by giving clients access to exclusive legal and business services. This is through its partnership with Farillio.
5. Markel Direct
Markel Direct is exceptional for niche professions. They cover non-profit charities, technical consultants and personal trainers. They offer rapid quotes, easily understood policy books and highly competitive premiums compared to competing insurers. Making them a logical solution for difficult-to-insure risks. Markel’s legal helplines and risk management tools are also very useful for small businesses that require extra aid.
6. Hiscox
Hiscox is popular for its high cover limits (up to £10 million) and experience dealing with complex claims. The typical claims include intellectual property, defamation, and data loss. It also provides industry-specific policies tailored to sectors like media, IT, and consulting. They provide worldwide coverage as a standard option. Companies with international operations and/or unusual risks rate Hiscox as one of the best.
7. Zurich UK
Zurich UK is able to leverage its global reach, combined with its ability to handle high-value, cross-border claims. Its professional indemnity insurance is flexible, offering options such as directors’ liability cover and risk management consultation. Zurich is especially trusted by large enterprises and SMEs operating with international exposures. Its proactive risk prevention advice and financial stability make it a trusted partner.
8. AIG UK
AIG UK leads in providing coverage for big, international firms. They provide policies for complex or developing risk environments, specifically in the technology and financial services sectors. Their claims teams are well-used for undertaking high-value disputes. Clients appreciate the technical support provided by AIG. Also, they can craft solutions based on a nuanced approach. This is necessary for businesses operating in different geographies.
9. CNA Hardy
CNA Hardy is a specialist in high-risk industries. This include, but is not restricted to, engineering, financing, and construction. Through working closely with brokers, they provide bespoke policies. Their risk assessment process and active claims management make them a preferred market. They focus on building long-term client relationships, backed by strong industry expertise. This puts them at the top of the list for customers with complex needs.
10. Lloyd’s of London (via Syndicates)
Lloyd’s of London is the market of choice for businesses with unusual, high-value, cross-border risks. The syndicate system allows policyholders access to unique and highly customisable cover options. They also insure risks that retail and standard insurance providers typically do not cover. They are an experienced and credible insurer in the provision of indemnity insurance having dealt with a number of difficult, complex, multi-jurisdictional claims.
Conclusion
Selecting the most suitable professional indemnity insurance services is critical to safeguard your organisation reputation and finances. While the UK offers many trusted providers, Legal Ex Plus stands out with expert service tailored to professionals and a strong client-first approach. It’s a reliable choice for legal professionals and others seeking specialised cover.
