Project manager insurance

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Professional Indemnity Insurance for Project Managers UK
Professional Indemnity Insurance for Project Managers UK
Professional Indemnity Insurance for Project Managers UK
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What is project manager insurance?

As a project manager, you need specific insurance coverage to meet your unique needs. Project manager insurance is not a single product but a combination of different covers. 

Professional indemnity insurance should be one of your primary covers as much of your work involves providing advice. If you work face-to-face, public liability insurance may also be necessary. Additionally, as most project managers rely on computer equipment for their work, electronic business equipment insurance can offer further protection.

Self employed professional indemnity insurance
Professional indemnity

from £7.67 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £8.89 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£7.00 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

on Trustpilot
14 February

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
In detail

Why do project managers need insurance?

As a project manager, you juggle several balls at any given time, especially on a multi-stream project. Despite doing everything right, unpredictable circumstances can always affect the outcome of your work.

Contract non-compliance

Most contracts you will engage with as a project manager will stipulate you must have and show proof of professional indemnity insurance.

Damage to your work equipment

You are likely to use your laptop or computer for your work; if that gets stolen or damaged, could you afford the repair or replacement costs?

IR35 enquiries and unpaid invoices

Depending on whether you use an umbrella company or contract directly, you may be exposed to IR35 enquiries from HMRC. Regardless of how you're engaged, you still could be subject to late or non-payment of invoices.

Accusation of causing a financial loss

An unhappy client may allege your management services cost them money, which they now want to recover from you.

Professional indemnity insurance for project managers

Professional indemnity insurance protects project managers from accusations of professional mistakes, negligence or failing duty of care.

As a project manager, you hold a significant role with varying responsibilities depending on the project's size and impact on the client. It's crucial to weigh the potential consequences if your advice leads to a dispute with the client, as the costs could be significant. 

To protect yourself, consider professional indemnity insurance, which is both affordable and provides valuable protection in case you need to defend yourself.

What does project manager professional indemnity insurance cover?

Professional indemnity insurance protects project managers from claims or accusations of wrongdoing from their professional advice or work product.

Cover includes:

  • Failing your duty of care
  • Making a mistake
  • Acting negligently
  • Giving the wrong advice or recommendation

For example, you’re asked to pay damages because your client believes that:

  • The delay in project delivery cost them money
  • The outcome of your work caused further costly issues
  • The subcontractors you used didn’t deliver
  • You made the wrong decision or recommendation, which damaged your client’s business

What professional indemnity limit do project managers need?

When determining your professional indemnity limit, it's essential to consider specific factors. These factors consist of the professional indemnity limit mentioned in your contract and the potential cost incurred if your advice results in a negative outcome.

Switching your professional indemnity insurance

If you cancel your professional indemnity policy in the UK, you cannot make any claims against it. 

Therefore, when switching to a new project manager insurance provider, it is important to ensure that your new policy includes coverage for your previous work, referred to as "retroactive cover".

Should I keep professional indemnity insurance if I take a break from project management?

It’s wise to keep your professional indemnity if you retire or take a break from project management. Claims against professional misconduct can surface months or years after you delivered the work. 

If a past client sues you for damages and you have cancelled your professional indemnity, you will not be covered.

How long you keep your cover in place is up to you; consider the type of projects you worked on and the likelihood that a client might bring a claim against you. 

Other insurance project managers buy

As a project manager, you may need to consider additional insurance policies depending on your circumstances. Could you handle a legal dispute if it arises? How would negative publicity impact your business? Do you have the financial means to replace a lost, stolen, or damaged computer? And if you become ill, how would you cover your business expenses?

Commercial legal expenses

Most commercial legal expenses insurance will protect project managers against various tax and legal issues you may encounter due to your profession, which are not covered by professional indemnity or public liability.

At Suited, we combined £100,000 of commercial legal expenses insurance with helplines and other tools to better assist project managers in dealing with these issues. We call this Business Legal Protect, and it’s part of your subscription.

Business Legal Protect offers qualified advice and assistance with:

  • Legal and tax matters concerning your business
  • Criminal prosecution
  • Unpaid invoices (over £200)

For example:

  • HMRC investigates your tax affairs
  • You are facing an investigation from a professional body
  • You need legal help chasing a significant unpaid invoice
  • You’re being taken to court for breach of contract

Electronic business equipment insurance

In today's world, project managers often rely on electronic equipment to carry out their work. Obtaining electronic business equipment insurance is wise to safeguard your assets if your business depends on electronic equipment.

Public liability insurance for project managers

Public liability insurance shields project manager from claims of injuries or property damage.

If your job involves physical contact with clients, their staff, property, or other third parties, it is important to have public liability coverage. 

The likelihood of someone making a claim against you varies depending on your industry. Property damage claims are more common in fields like construction project management than in non-manual professions like IT project management. 

However, even in non-manual professions, public liability coverage should not be dismissed, as it is still important to have protection.

Shopping for project manager insurance

When searching for project manager insurance, there are several factors to consider. 

Cheap project manager insurance

Although cost is important to UK buyers, reviews suggest that focusing solely on this factor may lead to cover changes and claims issues.

Be aware of additional fees

Understanding how easy it is to make changes to your cover and the associated costs is crucial. Additionally, if you pay monthly, be aware of any APR and ensure it is reasonable. Some policies may also include a policy fee.

The reputation of the insurer is important

It is essential to know what is expected of you in a difficult situation with a client. Who will handle your claim? Will you be responsible for any legal costs? Is compensation included? Understanding the level of service provided by your selected cover is key.

Many providers charge fees to amend or cancel

Be aware of your insurance provider's cancellation or "hibernation" policy. Some may charge a fee and require a month's notice, resulting in additional costs.

Some policy wordings are restrictive or have a high excess

All insurance providers are required to provide full cover documentation before purchase. Although legal covers can be complex and dull, it is essential to read the product summary, which outlines the cover basis and exclusions.

In this section

Common questions

How much does professional indemnity insurance for project managers cost?

Prices usually start with a few pounds per month, depending on your industry, limits and earnings.

Does Suited PI insurance for project managers cover work of subcontractors?

Suited PI cover does cover the work of your employees and subcontractors.

Can Suited PI insurance for project managers be changed to a run off cover?

Yes. It is called ‘hibernation’ which means reducing your PI cover to past work only while paying less. You can also turn it back to full cover if you find yourself back at work.

Do project managers need public liability insurance?

Possibly. It depends on your business activities and whether you come into contact with your clients, their staff and property.

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
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Project manager professional indemnity insurance
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We give you one price, no APR or hidden extras.

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Go retroactive

Include retroactive cover to insure previous work.

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Holiday mode

Pay less when not working by hibernating your PI cover.

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Get help when you need it from our Bristol based team.

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Monday-Friday, 8:30am to 5:30pm

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If your plans change

No problem, Suited uses a simple subscription model making it easy to walk away.

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14 day promise *

If you call to cancel within the first 2 weeks we’ll give you a full refund.

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Easy to cancel

No longer need us? Cancel anytime, no more to pay.

* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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