While both policies protect your business, they cover fundamentally different risks
Protects against digital threats, data breaches, cyber attacks, and technology failures
Protects against claims arising from professional advice, services, or negligence
Focus: Digital threats and system failures
Focus: Professional liability and negligence
Many businesses need BOTH cyber insurance and professional indemnity insurance for complete protection.
Professional Indemnity covers claims from clients about your advice or services
Cyber Insurance covers claims from data breaches or system failures
These are completely different risks requiring different coverage.
Example: A solicitor's firm needs PI for legal advice errors AND cyber insurance for client data breaches.
What Happened: An accountancy firm was hit by ransomware. Hackers encrypted client tax records and demanded £50,000.
Coverage Needed: CYBER INSURANCE
Why: This is a digital attack on systems and data, not a professional negligence claim. Cyber insurance covered:
Professional Indemnity: Would NOT cover this (not a professional error)
What Happened: An accountant gave incorrect tax advice, costing a client £30,000 in unexpected tax bills and penalties.
Coverage Needed: PROFESSIONAL INDEMNITY
Why: This is professional negligence, not a cyber incident. PI insurance covered:
Cyber Insurance: Would NOT cover this (not a digital threat)
What Happened: Hackers breached a law firm's email system and stole confidential client documents. The firm faced GDPR fines and had to notify clients.
Coverage Needed: CYBER INSURANCE
Why: This is a data breach and network security failure. Cyber insurance covered:
Professional Indemnity: Would NOT cover this (not a professional error)
What Happened: A solicitor missed a critical court filing deadline, causing a client to lose their case and £100,000 in damages.
Coverage Needed: PROFESSIONAL INDEMNITY
Why: This is professional negligence. PI insurance covered:
Cyber Insurance: Would NOT cover this (not a digital threat)
What Happened: A clinic's backup system failed, causing loss of patient medical records. The clinic had to notify patients and faced ICO investigation.
Coverage Needed: CYBER INSURANCE
Why: This is a system failure and data loss incident. Cyber insurance covered:
Professional Indemnity: Would NOT cover this (not a professional error)
What Happened: A doctor misdiagnosed a patient's condition, delaying proper treatment and causing permanent injury. The patient sued for £200,000.
Coverage Needed: PROFESSIONAL INDEMNITY
Why: This is professional negligence in medical care. PI insurance covered:
Cyber Insurance: Would NOT cover this (not a digital threat)
Accountants, Solicitors, Consultants
Doctors, Dentists, Therapists, Clinics
Online Retailers, Shops, Marketplaces
IT Consultants, Software Developers, Tech Support
Restaurants, Hotels, Cafes, Bars
Financial Advisors, Brokers, Insurance Agents
We thought we only needed professional indemnity, but when we were hit by ransomware, we realised cyber insurance was equally critical. Now we have both.
James T., Accounting Firm DirectorWhat is the main difference between cyber insurance and professional indemnity?
Do I need both cyber insurance and professional indemnity?
Can professional indemnity insurance cover cyber attacks?
Can cyber insurance cover professional negligence claims?
Which businesses absolutely need cyber insurance?
Which businesses absolutely need professional indemnity insurance?
Does cyber insurance cover GDPR fines?
Does professional indemnity insurance cover data breaches?
Can I combine cyber insurance and professional indemnity into one policy?
What does cyber insurance cover that professional indemnity doesn't?
What does professional indemnity cover that cyber insurance doesn't?
Do accountants need both cyber and professional indemnity insurance?
Do solicitors need both cyber and professional indemnity insurance?
Do IT consultants need both cyber and professional indemnity insurance?
Do healthcare providers need both cyber and professional indemnity insurance?
Does a restaurant need cyber insurance or professional indemnity?
Does an e-commerce retailer need cyber insurance or professional indemnity?
What happens if I have a cyber attack but only professional indemnity insurance?
What happens if I make a professional error but only have cyber insurance?
How much does cyber insurance cost compared to professional indemnity?
Can I get a discount if I purchase both policies together?
How do I know which insurance my business needs?
What if my professional indemnity insurer also offers cyber insurance?
Are cyber insurance and professional indemnity required by law?
Can I adjust my coverage if my business changes?
What should I do if I'm unsure which insurance I need?
Understanding the difference between these two insurance types is crucial for protecting your business comprehensively.
Cyber Insurance protects your business from digital threats including data breaches, ransomware attacks, network failures, and cyber extortion. It covers investigation costs, recovery expenses, regulatory fines, and business interruption losses.
Professional Indemnity Insurance protects your business from claims arising from professional negligence, errors in advice or services, and breach of professional duty. It covers legal defence costs, settlements, and judgments.
Key Takeaway: These are separate risks requiring separate coverage. Many businesses need both policies for complete protection. Contact Insure24 today for a free assessment of your insurance needs.
Contact us to discuss your business, operations, and risks. Our specialists will identify whether you need cyber insurance, professional indemnity, or both.
We'll provide personalised quotes from leading insurers, clearly showing the differences between cyber and professional indemnity coverage options.
Our team will recommend the appropriate coverage levels and policy combinations for your specific business needs and budget.
Once you've selected your policies, we'll handle all the paperwork and ensure your coverage is activated immediately.
We provide ongoing support, policy reviews, and are here to help if you need to make a claim.
Don't leave your business unprotected. Get expert guidance on cyber insurance and professional indemnity insurance.
Phone: 0330 127 2333
Hours: Monday - Friday, 9am - 5pm
Our specialists are ready to discuss your insurance needs and provide expert guidance.
Quick & Easy: Get a quote in minutes
Flexible: Compare options at your own pace
Secure: Your information is protected
GET A QUOTE NOW
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