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Telephone Answering Services Insurance

Protecting telephone answering professionals from as little as £55* per year

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Excellent 4.7 out of 5

Professional Saver’s Public Liability Insurance for Telephone Answering Services


Our standard cover is:

  • £1 million cover for public and products liability (with an option to increase to £2 million, £5 million or £10 million)
  • £10,000 cover for any financial loss (£50K cover optional)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

Our public liability insurance policies protect telephone answering services against claims due to injury, illness, loss or damage caused to clients during the provision of call handling services. We cover claims arising from errors, omissions or negligence by staff while recording messages, forwarding calls, gathering information or conveying messages to your clients.

As a telephone answering business relying on staff to professionally handle sensitive communications for your customers, having adequate insurance is essential. Without cover, just one significant claim could severely impact your company’s financial standing.

Our specialist policies give you complete peace of mind that any claims made against your telephone answering service will be dealt with.

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Why choose Professional Saver telephone answering services insurance?

Save £££ on your insurance Save on your insurance

Customers are always telling us how much they saved by switching

Trusted for over 40 years Trusted for over 40 years

We’ve been providing insurance to businesses since 1984

Financial Strength Financial Strength

Insurance provided by a Standard & Poor’s ‘AA- Stable’ rated insurer

Defaqto 5 Star rated

Our Professional Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.

How our telephone answering services insurance works

1 Apply online

Complete our simple quote form with basic details about your business.

2 Get a quote

Get an instant quote & choose any optional covers you may need.

3 You’re insured!

Instantly activate your Professional Saver policy and view your certificates online.

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What is Telephone Answering Services Insurance?

Telephone answering services insurance is a package policy that comprehensively protects call handling providers. It protects telephone answering businesses against claims due to errors, omissions or negligence during typical call taking and message handling tasks.

This insurance covers the liability of telephone answering services for:

  • Injury, illness or damage caused to clients by staff negligence
  • Financial loss for clients due to missed calls/messages
  • Breaches of confidential client data/information

Typical call answering activities covered include:

  • Recording and conveying phone messages
  • Fielding calls and gathering client information
  • Making appointments and booking reservations
  • Providing virtual reception and switchboard services
  • Emergency message transcription and forwarding

Having adequate insurance is vital for telephone answering companies as even minor oversights in call handling can lead to substantial claims. This protects your business financial interests when claims arise.

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Why Telephone Answering Services Need Insurance:

Telephone answering companies require liability insurance because staff directly handle sensitive communications and data for your clients. Human errors like forgetting to forward an urgent message or misplacing important contact details can negatively impact customers.

If such mistakes result in financial loss or missed opportunities for clients, substantial claims could be made against your business. Insurance covers resulting payouts and legal expenses to protect your interests. It also assures clients that your business takes responsibility for call handling errors.

 

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What Does Telephone Answering Insurance Cover?

Our telephone answering service insurance provides protection in key areas:

  • Public liability – Covers injury or property damage to clients caused by staff negligence. e.g. incorrectly advising a delivery service leading to an accident.
  • Legal expenses – Pays legal costs to defend against claims.

Optional Extra Cover

  • Professional indemnity – Protects against financial loss claims if missed calls or errors result in client losses. e.g. losing a vital message causing a deal to fall through.

We offer tiered cover limits to match service sizes and risk exposures.

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What Services Can Professional Saver’s Insurance Cover?

We provide cover for all common telephone answering services:

  • Virtual reception and switchboard call handling
  • Appointment booking and reservations management
  • Emergency and out-of-hours call forwarding
  • Call screening, filtering and information gathering
  • Message transcription, recording and relaying
  • Multilingual call centre solutions

Whether you focus on sales call handling or provide a general virtual office solution, our policies shield your interests for claims arising from staff call handling actions. We have experience supporting telephone answering providers of all sizes.

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Why Choose Professional Saver for Your Telecoms’ Business Insurance?

With over 35 years’ experience protecting UK telecoms companies, you can trust Professional Saver to protect your telephone answering service. Our key strengths are:

  • Specialist expertise – We only focus on liability and professional insurance packages.
  • Direct customer service – No middlemen or comparison sites. Speak directly to knowledgeable advisers.
  • Legal helplines – Access our legal teams for claims and advice needs.

Get in touch today to protect  your vital call handling operations.

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Chosen by over 5000 businesses and counting*

Chosen by over 18761 businesses and counting

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our professional cover starts from the date you select.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/10/2025

FAQs

Telephone Answering Services Insurance FAQs

Telephone answering companies need adequate insurance because staff directly handle sensitive client communications. Human errors like forgetting messages, giving incorrect advice or mishandling private customer details can negatively impact operations.

Insurance protects against resulting claims from financial loss, missed opportunities, breaches of confidential data or other issues stemming from call handling mistakes.

Some examples of losses we can cover include:

  • Incorrectly advising on an urgent delivery leading to an accident
  • Forgetting to forward an important sales call resulting in loss of business
  • Mishandling confidential client information resulting in a data breach
  • Failing to book a time-sensitive appointment causing disruption

Essentially, we cover a wide spectrum of errors and omissions in telephone message handling that negatively impact customers.

Yes. Our policies can be extended to cover any outsourced telephone answering partners that handle calls under your company name and brand. So even if an error causing client loss stems from your subcontractor’s actions, our insurance helps shield your interests against financial claims.

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