Essential

For solo practitioners just starting out.

Includes:
  • Public & professional liability
  • Legal defence costs included
  • Loss of documents cover
  • Dedicated advisor on WhatsApp

Get Your Plan

Choose the cover that suits you. You can raise your limit later as your practice grows.

Personalisedcontribution, underwritten to you
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About the Essential Plan

The Essential plan is the smart starting point for solo practitioners and professionals early in their career. It puts the core protection in place: public & professional liability, legal defence costs and loss of documents cover. The contribution fits a lean practice, and a dedicated advisor is always a WhatsApp message away.

Features:

  1. Core Liability Cover: Public & professional liability protection for the everyday risks of your practice.
  2. Legal Defence Costs: The cost of defending a claim is covered, not left for you to fund.
  3. Loss of Documents: Cover for reconstructing or replacing lost client documents and records.
  4. Dedicated Advisor: A licensed CTFG advisor on WhatsApp for quotes, renewals and questions.
  5. Easy Upgrades: Move up to Professional or Premier the moment your exposure grows.

Benefits:

  1. Protected From Day One: Start practising with the core cover every professional needs.
  2. Affordable Entry: Real protection at a contribution built for a lean, growing practice.
  3. No Jargon: Plain-language cover you actually understand before you commit.
  4. A Real Advisor: Someone in your corner, not a faceless call centre.
  5. Room to Grow: Cover that scales up with you the moment you're ready.
? FAQ

Got questions?
We've got clear answers.

Everything you need to know about Professional Indemnity cover, quotes and claims. All in one place.

01 What is Professional Indemnity cover?
It protects you against claims of negligence, errors or omissions in your professional work. It covers your legal defence costs and any compensation you may be liable to pay a client.
02 Which professions do you cover?
Doctors, lawyers, engineers, architects, accountants, consultants, IT professionals, financial advisors and more. If your advice or work carries professional liability, we can help.
03 How fast can I get protected?
Most professionals are covered the same day. Share a few details, get a tailored quote, accept and pay securely, and your certificate lands in your inbox straight away.
04 What does a claim process look like?
Notify us as soon as you're aware of a potential claim. Your advisor guides you end to end and liaises with the insurer on your behalf, so you're never left facing it alone.
05 How is my premium calculated?
It's based on your profession, annual turnover, chosen cover limit and claims history. We match you to the right insurer for the best value, then explain it in plain terms.
06 Can I increase my cover later?
Yes. You can raise your indemnity limit or add cover at renewal, or mid-term if your exposure changes. Just message your advisor and we'll arrange it.