Professional Indemnity Insurance
Professional Indemnity for UK Brokers
NOW WRITING
Professional Indemnity
Responsive underwriting, commercial decisions and direct access to experienced underwriters.
Gem Underwriting now provides Professional Indemnity solutions for a range of UK-domiciled professions, with Primary limits of Indemnity from £250,000 to £5 million for suitable risks.
Underwritten on behalf of Irwell Insurance Company Limited.
Professional Indemnity, underwritten with commercial judgement
Professional risks cannot always be understood from a trade description or proposal form alone. The nature of the services provided, the clients served, contractual responsibilities and the controls within the business all contribute to the underwriting assessment. Gem gives brokers direct access to underwriters who take the time to understand the risk and make clear, informed decisions.
Responsive underwriting
Clear communication and efficient handling from the initial enquiry through to policy documentation.
Direct access
Brokers can speak directly to the underwriting team assessing the submission.
Commercial decisions Suitable risks are considered on their individual merits rather than through a purely formulaic approach.
Built for brokers A dependable Professional Indemnity market developed to support UK insurance intermediaries.
Our Risk Appetite
Professional Indemnity risks we can consider
Our appetite is indicative rather than exhaustive. Brokers are encouraged to contact the underwriting team where a risk requires further discussion.
Architects and Engineers
Professional Indemnity risks involving architectural, engineering and related technical services.
Design and Construct
Design and Construct risks may be considered, including cover on an any one claim basis where agreed.
Non-RICS Surveyors
Surveying and related professional activities outside the RICS-regulated market.
Accountants
Accountancy risks may be considered, excluding ICAEW business.
Miscellaneous Professional Indemnity
A range of other professional and consultancy occupations may be considered following an individual underwriting review.
At a glance
Key underwriting parameters
UK-domiciled risks
The proposition is intended for suitable businesses domiciled in the United Kingdom.
Limits from £250,000 to £5 million
Limits of Indemnity between £250,000 and £5 million may be available, subject to the individual risk and underwriting agreement.
Minimum premium £1,000
The initial minimum premium is £1,000, subject to underwriting and the nature of the risk.
Flexible Capacity
Supporting different placement requirements
Gem offers meaningful Professional Indemnity capacity for suitable UK risks. Our underwriting team can consider:
- Primary Professional Indemnity placements
- Excess layer opportunities
- Primary limits of Indemnity from £250,000 to £5 million
- Bespoke structures for suitable risks
- Risks requiring individual underwriting consideration
The availability, structure and terms of cover will depend on the information provided and the outcome of the underwriting review.
What to send to us
Broker Submissions
To help our underwriting team understand the risk, please provide as much relevant information as possible. Where available, this should include:
- A completed Professional Indemnity proposal form
- A clear description of the professional services provided
- Annual turnover or fee income
- Required Limit of Indemnity
- Renewal or proposed inception date
- Claims and circumstances history
- Current insurer and renewal terms, where relevant
- Details of any Design and Construct exposure
- Relevant contracts or supporting risk information
Where a submission falls outside the published appetite, brokers are welcome to contact the team before completing a full proposal.
A new Professional Indemnity market for brokers
The launch of Professional Indemnity expands Gem’s specialist underwriting proposition while retaining the responsive and relationship-led approach our brokers expect. Brokers benefit from:
- Direct access to experienced underwriters
- Clear and commercial communication
- Efficient decision-making
- Meaningful primary and excess capacity
- Individual consideration of suitable risks
- A growing specialist MGA proposition
Let’s discuss your next Professional Indemnity risk
Send the details to our underwriting team and we will review the opportunity with you.
Address
Fourth Floor, 37-39 Lime Street
London, EC3M 7AY
United Kingdom
Product Information
The information on this page provides a general indication of Gem’s Professional Indemnity appetite only. It does not constitute advice, confirmation of cover or part of any contract of insurance. All risks are subject to underwriting review and acceptance. The precise cover, Limits of Indemnity, terms, conditions, exclusions and endorsements will be determined by the applicable policy wording and individual policy Schedule. Professional Indemnity insurance is underwritten by Gem Underwriting Agency Ltd on behalf of Irwell Insurance Company Limited and is available through insurance intermediaries.
At Gem Underwriting Agency Ltd, we're not just another insurance provider; we will become your trusted partner in navigating the complex world of insurance. Discover the Gem difference today.
Fourth Floor, 37-39 Lime Street, London, EC3M 7AY, United Kingdom
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Gem Underwriting Agency Ltd is an Appointed Representative of Bannerman Rendell Limited who are authorised and regulated by the Financial Conduct Authority to conduct insurance distribution activities. Our registered number is 986425. You can check this by visiting www.fca.org.uk/firms/financial-services-register or by contacting the FCA on 0800 111 6768.
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