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Miscellaneous Professional Indemnity – Quote Request

A short-form proposal for consultants, contractors and professional service businesses that don't fit a standard PI category. Please complete as much as possible and we'll come back with tailored terms.

Your duty to make a fair presentation of the risk

When you take out or renew a commercial insurance policy you have a legal duty to make a fair presentation of the risk. That means disclosing everything you know, or ought to know after a reasonable search, that would influence an insurer's decision on whether to offer cover, on what terms, and at what premium — and doing so clearly and accessibly.

A reasonable search means asking the partners, directors and senior people involved in the business and its subsidiaries, not just answering from your own knowledge. The duty continues until the policy incepts, so if anything material changes before then, tell us.

If a fair presentation isn't made, an insurer may be entitled to alter the terms of the policy, reduce a claim payment, or in some cases avoid the policy altogether. If you're unsure whether something is material, tell us anyway or ask — that's what we're here for.

Your details

Proposer first name *

Proposer last name *

Name of the business to be insured * The exact name the policy should be issued in.

All trading names and subsidiaries List every trading name and subsidiary that needs to be covered. Anything not listed won't be.

Address *

Postcode *

Date the business was established *

Website

Legal status *

Telephone number *

Email address *

Preferred contact method

Principals, partners & directors

Details of everyone who owns or directs the business. Qualifications matter here — professional memberships and relevant experience often improve the terms available.

How many principals, partners or directors are there? * Select the number and the extra rows will appear. If there are more than five, list the remainder in the additional information box at the end.

Principal 1

Full name *

Age

Qualifications & years of experience

Principal 2

Full name

Age

Qualifications & years of experience

Principal 3

Full name

Age

Qualifications & years of experience

Principal 4

Full name

Age

Qualifications & years of experience

Principal 5

Full name

Age

Qualifications & years of experience

Total number of staff (including principals) *

Number of qualified / fee-earning staff

What the business does

Full description of activities, with a percentage breakdown * The single most important answer on this form — it defines what the policy will and won't cover. Break it down by percentage of income, e.g. "Management consultancy 60%, training delivery 30%, expert witness work 10%". Estimate if you don't have historical figures.

Do you carry out any design work, or supply or install any physical product? * Design and product supply are treated very differently by PI underwriters, so please tell us either way.

If yes, please give details

Fees & income

Gross fees by territory. Enter 0 where a territory doesn't apply — leaving a box blank isn't the same as telling us it's nil.

Estimated total gross fees — UK (£) *

Estimated total gross fees — USA / Canada (£)

Estimated total gross fees — Rest of World (£)

Gross fees this year — UK (£) *

Gross fees this year — USA / Canada (£)

Gross fees this year — Rest of World (£)

Gross fees last financial year — UK (£)

Gross fees last financial year — USA / Canada (£)

Gross fees last financial year — Rest of World (£)

Largest fee from any one client (£) *

Do you work for clients based outside the UK, or on projects outside the UK? *

Which countries, and what proportion of your work? *

Your three largest contracts

The three largest contracts in the last five financial years. If you're a new start-up, give details of your current projects instead.

How many contracts would you like to tell us about?

Contract 1

Start and end date

Client name

Nature of the contract

Total contract value (£)

Income to you (£)

Contract 2

Start and end date

Client name

Nature of the contract

Total contract value (£)

Income to you (£)

Contract 3

Start and end date

Client name

Nature of the contract

Total contract value (£)

Income to you (£)

How you contract with clients

Answering "no" to these won't stop us getting terms — it just changes which insurers will look at the risk. Answer honestly rather than optimistically.

Do you work only under your own standard contract, signed by every client? *

Are all contracts vetted by a legally qualified person before being agreed? *

Please tell us how you do contract instead * e.g. "we work on the client's terms for larger jobs", "email confirmation of scope for small jobs".

Contract terms you use

Do you exclude liability for consequential, special or indirect damages, loss of profits and liquidated damages? *

Do you cap your overall liability at a reasonable level? *

Do you warrant a performance standard no greater than reasonable care and skill? * Guarantees, warranties and "fitness for purpose" promises usually fall outside PI cover.

Do you work to a written specification setting out the scope of each job? *

Are changes to the scope of work reflected in a written variation? *

Please explain any of the above you answered "no" to *

Cover required

Limit of indemnity required * If a client contract sets a minimum, tell us what it is.

If other, please specify *

Basis of the limit

Cover start date (or renewal date)

Current insurance

Do you currently buy professional indemnity insurance? *

Current insurer

Renewal date

Current limit of indemnity (£)

Current annual premium (£)

Retroactive date, if you know it PI is claims-made, so continuity of cover matters. If you're not sure, leave it — we'll check your schedule.

How many years have you held PI continuously?

Claims & circumstances

Has any claim been made — successful or not — against you, any predecessor, or any past or present principal, director or partner? *

Has any loss been suffered by you or any predecessor through the dishonesty or malice of any past or present principal, director, partner, employee or self-employed person? *

After full enquiry, are you aware of any circumstance likely to give rise to a claim or loss against you, any predecessor, or any past or present principal, director or partner? *

After full enquiry, are you aware of any shortcoming in your work for a client that is likely to give rise to a claim against you? *

Please give full details * Dates, what happened, who was involved, amounts paid or reserved, and current status. A disclosed claim is nearly always easier to place than one an insurer discovers later.

Anything else we should know?

Additional information Anything unusual about your business compared with others in your field, any further principals or contracts not listed above, and anything you're not sure whether to mention — mention it.

Declaration. On behalf of the proposer, I confirm that after full enquiry the answers given in this form are true and complete to the best of my knowledge and belief, and that I have not misstated or omitted anything likely to influence an insurer's assessment of the risk. If anything material changes, or a new material matter arises, before the policy incepts, I will tell you.

I confirm the above on behalf of the proposer *

Full name of the person completing this form *

Position held *

Date *

Fields marked with * are required.

By submitting this form you are providing consent for Miller & Partner Ltd to contact you in relation to this quotation and any related insurance products.

Office: Vivian House, Roman Bridge Close, Mumbles, Swansea, SA3 5BG

Call 01792 001350

Email: [email protected]

Terms of Service

Miller & Partner Ltd is an Appointed Representative of Gauntlet Risk Management Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 308081). Miller & Partner Ltd is entered on the Financial Services Register under firm reference number 1029698. You may check this on the Financial Services Register by visiting the FCA website at https://www.fca.org.uk/firms/financial-services-register or by contacting the FCA on 0800 111 6768. Miller & Partner Ltd is registered in England & Wales, company number 16206282. Registered office: 20 Vivian House, Roman Bridge Close, Swansea, SA3 5BG.