Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK solicitors — quotes are provided directly by FCA-authorised insurers, not by us.
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Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Solicitors' professional indemnity is more tightly regulated than almost any other UK profession. Getting the structure right matters as much as having cover at all.
Every SRA-regulated firm must hold qualifying insurance meeting the Minimum Terms and Conditions (MTC) — a minimum limit of £2 million each-and-every-claim for sole practitioners and partnerships, or £3 million for LLPs and other incorporated practices. These terms cannot be reduced below the MTC by agreement with your insurer.
The MTC require cover on an "each-and-every-claim" basis — meaning every separate claim attracts the full limit, not a shared annual pool. A firm with three unrelated negligence claims in one year gets three full limits, not one split between them. Cover sold as "aggregate" doesn't meet the MTC.
Qualifying insurance must be placed with a Participating Insurer under the SRA's Participating Insurers Agreement — the panel changes annually, and the current list is published on the SRA's website. Cover from a non-participating insurer leaves the firm in breach of the Indemnity Insurance Rules, regardless of the policy's terms.
Unlike most professions, where run-off cover on closure is a choice, the SRA makes it mandatory and prescribes its length, and the cover cannot be cancelled. This reflects how long conveyancing, wills and trust matters in particular can take to surface a problem after the work was done.
A strong policy covers the specific risks of your trade — from negligence claims to data breaches and client disputes.
Protects against claims of negligence, errors or bad advice from clients. Essential for any business that provides advice, designs or professional services. Covers legal costs and compensation.
Covers injury or property damage to clients or third parties at your office or client premises. Required by most co-working spaces and client contracts.
Legally required if you employ anyone. Covers employee injury or illness claims arising from their work. Minimum £5 million required by law.
Covers data breaches, cyber attacks and GDPR fines. Professional service firms handle sensitive client data — cyber insurance is increasingly essential.
Covers your office equipment, computers and business contents against theft, fire and accidental damage at your premises.
Covers legal costs for contract disputes, employment tribunals, HMRC investigations and debt recovery.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
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