Helping you with

Financial lines insurance options

Your advice, your data and your cash flow all carry risk. We arrange Professional Indemnity, Cyber and Trade Credit Insurance to help protect your business against client claims, cyber incidents and unpaid invoices.

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Find the right cover for your business

Professional Indemnity Insurance

Protection for businesses that provide advice, services, or expertise

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Cyber Insurance

Protection for businesses in a digital world

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Trade Credit Insurance

Protecting your business against unpaid invoices and customer insolvency

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Not sure what you need?

Our brokers can review your business and recommend the right combination of liability cover.

CALL 01253 692200

Professional Indemnity Insurance

Protection for businesses that provide advice, services, or expertise

Even the most experienced professionals can face disputes, misunderstandings, or claims from clients. A mistake, omission, or allegation of negligence could lead to costly legal action.

Professional Indemnity Insurance helps protect your business when professional services are challenged.

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Who needs Professional Indemnity Insurance?

This cover is valuable for businesses and individuals who provide professional advice, services, or consultancy, including:

  • Consultants and advisors
  • Accountants and financial professionals
  • Architects and designers
  • IT and technology businesses
  • Marketing and creative agencies
  • Engineers and surveyors
  • Recruitment and training providers

If your clients rely on your knowledge or expertise, Professional Indemnity Insurance is worth considering.

Professional Indemnity Insurance FAQs

Professional Indemnity Insurance protects businesses and professionals against claims arising from advice, services, designs, or work provided to clients.

It helps cover legal defence costs, compensation claims, and settlements if a client claims they have suffered financial loss due to your work.

Depending on the policy, cover may include:

  • Professional negligence claims
  • Errors or omissions
  • Breach of professional duty
  • Misrepresentation claims
  • Legal defence costs
  • Legal expenses cover
  • Compensation and settlement payments

Policies can often be tailored to match the specific risks of your industry.

Clients place trust in your expertise and recommendations. If something goes wrong, or is alleged to have gone wrong, the financial and reputational impact can be significant.


This insurance helps:

  • Cover legal defence costs
  • Protect against compensation claims
  • Safeguard your professional reputation
  • Provide reassurance to clients and contracts

Want to talk through Professional Indemnity Insurance? Speak to a broker on 01253 692200.

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Who can benefit from Cyber Insurance?

Cyber Insurance is suitable for businesses of all sizes, including:

  • Small and medium-sized businesses
  • Retail and e-commerce companies
  • Professional services firms
  • Healthcare and care providers
  • Technology and IT businesses
  • Hospitality and leisure businesses
  • Organisations storing customer or employee data

Any business using computers, online systems, or digital records can benefit from cyber protection.

Cyber Insurance

Protection for businesses in a digital world

Cyber threats are becoming increasingly common for businesses of all sizes. From data breaches and phishing attacks to ransomware and system downtime, cyber incidents can cause major financial and operational disruption.

Cyber Insurance helps businesses respond to and recover from digital threats with greater confidence.

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Cyber Insurance FAQs

Cyber Insurance is designed to help protect businesses against risks linked to cybercrime, data breaches, and technology-related incidents.

It can provide financial protection and specialist support following a cyber attack or security breach.

Modern businesses rely heavily on technology, online systems, and digital data. Even a small cyber incident can lead to:

  • Business interruption
  • Financial loss
  • Data recovery costs
  • Legal and regulatory issues
  • Reputational damage

Cyber Insurance helps businesses manage these risks and recover more quickly.

Depending on the policy, cover may include:

  • Data breach response costs
  • Cyber extortion and ransomware attacks
  • Business Interruption losses
  • Data recovery and restoration
  • Legal defence and regulatory costs
  • Customer notification expenses
  • Cybercrime and fraud protection
  • IT forensic and incident response support

Policies can often be tailored to match the risks faced by your business.

Cyber Insurance helps businesses:

  • Reduce financial exposure following cyber incidents
  • Access specialist cyber support services
  • Improve business resilience
  • Protect customer trust and reputation
  • Recover more quickly after attacks

No. Small businesses are increasingly targeted by cybercriminals because they may have fewer security resources in place.

Even a single cyber incident can create significant disruption and unexpected costs for smaller businesses.

Want to talk through Cyber Insurance? Speak to a broker on 01253 692200.

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Trade Credit Insurance

Protecting your business against unpaid invoices and customer insolvency

Offering credit to customers is a normal part of doing business, but unpaid invoices and late payments can place serious pressure on cash flow and financial stability.

Trade Credit Insurance helps protect businesses if customers are unable to pay what they owe.

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Who can benefit from Trade Credit Insurance?

This type of insurance is suitable for many businesses, including:

  • Manufacturers and wholesalers
  • Exporters and importers
  • Retail suppliers
  • Construction and trade businesses
  • Professional service providers
  • Businesses offering goods or services on credit terms

Any business relying on customer payments and outstanding invoices can benefit from this protection.

Trade Credit Insurance FAQs

Trade Credit Insurance protects businesses against losses caused by customers failing to pay outstanding invoices due to insolvency, protracted default, or financial difficulties.

It helps businesses trade with greater confidence while protecting cash flow and income.

Depending on the policy, cover may include:

  • Customer insolvency
  • Protracted payment default
  • Unpaid invoices and bad debts
  • Domestic and export trade risks
  • Political risks for overseas trading
  • Debt recovery support

Policies can often be tailored around your customer base and trading activities.

Unpaid invoices can have a major impact on businesses of all sizes, especially when large balances are involved.
This insurance helps businesses:

  • Protect against bad debt losses
  • Improve cash flow security
  • Support safer trading decisions
  • Reduce the financial impact of customer insolvency
  • Trade more confidently with new and existing customers

If a customer is unable to pay an insured invoice, the policy may help recover part of the outstanding amount, subject to policy terms and limits.

Many policies also provide ongoing monitoring and support to help businesses assess customer credit risks.

No. Small and medium-sized businesses can be particularly vulnerable to unpaid debts, especially if they rely heavily on a smaller number of customers.

A single unpaid invoice could have a significant financial impact.

Yes. Many businesses use Trade Credit Insurance to trade more confidently, expand into new markets, and offer competitive credit terms while reducing financial risk.

It can also provide reassurance to lenders and investors.

Speak to a broker on 01253 692200.

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A Relationship-Driven Approach

At Chadwick Insurances, we believe insurance is not simply about policies. It is about partnership.

By meeting our clients face-to-face and maintaining regular contact, we gain a deep understanding of your business objectives, challenges and future plans. This allows us to adapt your cover as your business evolves and ensure you remain fully protected.

Our commitment to service, integrity and expertise is at the heart of everything we do.

Meet the team

A Relationship-Driven Approach

At Chadwick Insurances, we believe insurance is not simply about policies. It is about partnership.

By meeting our clients face-to-face and maintaining regular contact, we gain a deep understanding of your business objectives, challenges and future plans. This allows us to adapt your cover as your business evolves and ensure you remain fully protected.

Our commitment to service, integrity and expertise is at the heart of everything we do.

Meet the team