Professional ServicesProtecting professional exposure, people and the reputation built around expertise.

Advice is the product. When advice is questioned, firms need protection for liability and for the continuity of the practice.

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Real-life moments

How cover may respond

Tap a card to turn it over. These are general illustrations, not promises of cover.

01A client says your advice cost them money.Professional indemnity may respond to claims alleging error or negligence, subject to terms.

02A visitor trips in your office.Public liability can address third-party injury or property damage claims.

03Your office is unusable after a fire.Property and business interruption covers can support repairs and lost income.

The risk landscape

What can affect a professional services client

Professional liability

Claims alleging error, omission or negligence in advice or services.

Office and records

Equipment, premises and important records that the practice relies on.

People and continuity

Protecting staff and the ability to keep serving clients after a loss.

Quick self-check

Which of these sounds like you?

We give advice or prepare documents for clientsClients or visitors come to our premisesStaff handle client money or valuablesWe rely on our office to earn income

We give advice or prepare documents for clientsDefence costs and compensation for claims alleging error, omission or negligence in your services.
Clients or visitors come to our premisesLegal liability for injury to third parties or damage to their property arising from your activities.
Staff handle client money or valuablesLosses caused by dishonest acts of employees.
We rely on our office to earn incomeLost income and increased costs after an insured loss disrupts operations.

Tick what sounds like your practice to see covers to discuss.

How HSJ helps

Understand, assess, protect

Know the environment.

Understand

Understand the services you offer, your clients and the contracts you sign.

Identify the important exposures.

Assess

Identify where advice, handling of client funds or records could create exposure.

Build an appropriate response.

Protect

Arrange liability protection, with property and staff covers around it.

3D view

Take a closer look

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