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Protecting business advisors and consultants from less than £55* per year
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Get a QuoteOur standard cover is:
Business advisor insurance covers the profession that owner-managers turn to before they bet the company. Growth plans, funding applications, pricing decisions, succession: an advisor’s guidance reaches the parts of a small business where mistakes are least affordable, and when a plan built on your advice goes wrong, the client’s loss arrives with your name attached.
Professional Saver arranges business insurance for advisors, mentors and small advisory practices from £55* a year, with public liability as standard and professional indemnity scaled to the decisions your advice informs. Get a quote online in five minutes; documents arrive the same day.
Professional indemnity insurance is the core of the policy, because advice is the product. If a client alleges your guidance caused them financial loss, a growth plan that overreached, funding advice that failed its purpose, a restructuring that cost more than it saved, professional indemnity insurance pays the compensation and the legal costs of defending the claim. The defence matters most: small business outcomes have many causes, and proving your advice wasn’t the negligence in the story is exactly the argument that’s ruinous to fund alone.
Public liability insurance covers the physical side of advisory work: client premises visits, workshops and meetings. If a client or third party suffers injury or property damage around your work, public liability insurance covers the compensation and legal fees, with £1 million as standard and options up to £10 million.
Business contents insurance and equipment cover protect the laptop and kit an advisory practice runs on (£100 excess), and employers’ liability is a legal requirement in most cases once you employ anyone. Sole trader or limited companies, the same logic applies: the covers follow the advice and the people, not the structure.
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Trusted for over 40 years We’ve been providing insurance to businesses since 1984
Financial Strength Insurance provided by a Standard & Poor’s ‘AA- Stable’ rated insurer
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.
Complete our simple quote form with basic details about your business.
Get an instant quote & choose any optional covers you may need.
Instantly activate your Professional Saver policy and view your certificates online.
Because your clients bet real money on your judgement. Owner-managers act on advisory guidance with their own savings and borrowings, and disappointment in a small business is personal. PI cover keeps a soured plan from becoming a lawsuit you fund yourself.
Because advisory work has no safety of scale. A big consultancy absorbs a claim; an independent advisor doesn’t. The smaller the practice, the more the insurance is doing, which is why cover from £55* a year is one of the few genuinely cheap protections in professional life.
Because engagements increasingly require it. Growth programmes, funding bodies and franchise networks that refer advisory work routinely ask for proof of professional indemnity before adding an advisor to their roster.
Every policy includes public liability, product liability insurance, legal expenses and £10,000 of financial loss cover as standard, from £55* a year. You then shape the cover to the practice:
Worldwide liability cover for temporary work abroad is included for up to 14 days, excluding the USA and Canada.
From £55* a year for the base policy. The cost then follows the advice: the level of professional indemnity your clients and referral partners require, the size of businesses you advise, whether you employ anyone, and your claims history. A self-employed advisor mentoring small business owners sits at the affordable end of the range; get a business insurance quote online, itemised in about five minutes, with monthly instalments available.
Business advisory is the profession of being trusted with someone else’s next move. Get a business advisor insurance quote online from £55* a year, backed by an insurer rated AA- (Stable) by Standard & Poor’s, and protect your business from the plans that don’t survive contact with the market.
* Total number of live policies as of 31/10/2025
From only£55per year From only£55per year From only£55per year From only£55per year From only£55per year From only£55per year Only employers’ liability, and only once you employ someone. The rest is enforced commercially rather than legally: client contracts, referral programmes and framework agreements set the real requirements, and they usually name professional indemnity first.
Professional indemnity answers for the advice: guidance and plans that allegedly caused financial loss. Public liability answers for your physical presence: injury or accidental damage around meetings and premises visits. An advisor who never leaves the desk still needs PI; most advisors carry both because engagements involve both.
The label matters less than the work: if you advise and the client implements, you’re in advisory territory; if you deliver the change yourself, look at our consultants insurance page. Either way, describe the actual engagements when you quote and the policy is shaped to the practice you run, not the title on the card.
Yes. Who your clients are shapes the risk profile more than what they’re called: advising a sole trader on pricing and advising limited companies on acquisitions carry different exposures, and the honest description at quote stage is what makes the certificate dependable at claim stage.
