Professional Risks
Specialist Cover for Professional Indemnity, Liability and Regulatory Exposures
At Commercial Risks (UK) Ltd, we specialise in the placement of Professional Risks Insurance; including Professional Indemnity (PI), Directors & Officers (D&O), Cyber Liability, and related covers for professionals and businesses facing legal, regulatory, or reputational exposure.
We’re particularly known for our ability to place complex, distressed, or unusual risks in the Lloyd’s market and through specialist providers, whether the challenge is claims history, regulatory investigation, non-standard operations, or a hardening market response.
Who We Cover
We place cover for a wide spectrum of professional sectors, including but not limited to:
Traditional Professions
- Surveyors, architects, engineers, and designers
- Accountants, auditors, IFAs, and tax consultants
- Solicitors (non-SRA and excess layers)
- Recruitment consultants and employment agencies
Emerging & Specialist Sectors
- Tech firms, software developers, and FinTech operators
- Media, marketing, PR, and creative agencies
- Environmental consultants and ESG advisers
- Construction professionals, including design & construct contractors
- Educational consultants and training providers
High-Risk or Distressed Risks
- Firms with previous claims, regulatory action, or lapsed cover
- Businesses operating in high litigation exposure sectors
- Startups or fast-scaling enterprises without prior PI history
- Firms declined or non-renewed by composite markets
What We Cover
We structure standalone or combined professional risk programmes, including:
Professional Indemnity (PI)
- Negligent advice, error, or omission
- Defence costs and damages, including breach of contract
- Civil liability wordings with sector-specific extensions
- Optional retroactive cover (where feasible)
Directors & Officers Liability (D&O)
- Individual and entity protection for management teams
- Defence against claims from shareholders, regulators, or stakeholders
- Insolvency-related claims and wrongful trading
- Cover for trustees, committees, or NEDs
Cyber Liability
- Data breach, system intrusion, ransomware
- Third-party claims and fines (where insurable by law)
- Business interruption and crisis response
- Cover for outsourced IT infrastructure and cloud reliance
Employers’ Practices Liability (EPL)
- Claims relating to harassment, unfair dismissal, or discrimination
- Optional cover for internal disciplinary and employment tribunal costs
Public Liability & Product Liability
- For consultants operating on client premises or offering advice alongside product supply
- Cover available as part of blended PI & GL programmes
Commercial Legal Expenses
- Contract disputes, debt recovery, and statutory licence protection
- Optional cover for tax enquiries and employment defence
How We Add Value
We go beyond form-filling and box-ticking. Our approach includes:
- Detailed risk presentation, especially where history or activity raises questions
- Negotiating tailored wordings, sector-specific extensions, and retroactive inclusions
- Advising brokers and clients on market expectations, coverage gaps, and insurer positioning
- Access to Lloyd’s underwriters who specialise in niche, distressed, or sector-specific professional liability
Difficult Risk? Declined Elsewhere?
We specialise in difficult-to-place professional risks. Examples of placements include:
- An architectural firm with two open PI claims related to structural defects
- A dissolved tech start-up needing retroactive PI for exit due diligence
- A compliance consultant under investigation by a regulatory body
- A property professional with previous negligence and fee recovery issues
- An accountant with an expired policy and claim notification gap
Why Choose Commercial Risks?
- Expertise in complex liability placements
- Track record of securing terms where others fail
- Access to Lloyd’s and specialist PI markets
- Supportive and responsive to both brokers and direct clients
Let’s Discuss Your Risk
If your client has been declined, non-renewed, or simply needs a tailored professional liability solution, we can help.
Call us: 020 7702 2103
Email us: info@commercialrisks.co.uk