Professional
Indemnity.
A broader appetite.
Ark Insurance Group introduces its new Professional Indemnity offering, backed by longstanding capacity partner Irwell Insurance Company Limited. More ways for brokers to place professional and design-related risks, online or through direct underwriting support.
Different professions. Different exposures. One more reason for brokers to speak to Ark.
Ark Insurance Group is pleased to announce the launch of its Professional Indemnity Insurance offering, providing broker access to an extensive range of professional, consultancy, property and design-related trades.
Developed through our longstanding capacity relationship with Irwell Insurance Company Limited, the product combines an online quotation route for suitable risks with access to Ark's underwriting team for cases requiring individual consideration.
From non-chartered accountants and property professionals to architects, engineers and design-and-build contractors, the scheme offers a practical additional market for brokers looking to place a variety of Professional Indemnity risks.
Professional cover.
Across more professions.
A dedicated appetite for established professional sectors, alongside opportunities across specialist design, construction, consultancy and miscellaneous trades.
Non-chartered accountants
Bookkeeping, accounts preparation, personal and business taxation, company secretarial work and management consultancy.
Turnover up to £500,000
Surveyors & property agents
Building and quantity surveying, EPCs, estate and letting agency, property management and consultancy.
Turnover up to £500,000
Architects & engineers
Architecture, structural, civil, mechanical and electrical engineering, building services, CDM, town planning and landscape architecture.
Turnover up to £500,000
Design & Construct
Design-and-build contractors, shopfitters, office fit-out specialists and kitchen and bathroom design-and-install businesses.
Turnover up to £3 million
An appetite that goes further.
In addition to the main professional sectors, Ark can consider a broad selection of miscellaneous professional and manual trades.
This includes management and marketing consultants, IT-adjacent consultants, designers, trainers, beauty businesses, cleaning operations and other eligible occupations.
Manual trades can be considered with turnover up to £5 million, while higher turnover risks may be referred to underwriting.
Not on the standard trade list? Ark's underwriters can review other occupations individually rather than requiring brokers to rely solely on the online trade selection.
Online for suitable risks.
Underwriters for the rest.
A simple route to quotation and binding for eligible submissions, supported by direct access to Ark's underwriting team when the circumstances require referral.
Open the broker portal
Log in using your Ark broker credentials and select the Professional Indemnity tab to begin your submission.
Broker LoginQuote & bind
Suitable professions and risks can progress through the online quotation and binding process, subject to the applicable eligibility and underwriting rules.
Speak to an underwriter
For selected higher limits, specialist activities, unusual professions or other referral cases, present the risk directly to the Ark team.
Contact Underwriting
Insurer Capacity
Built on an established insurance relationship.
The new Professional Indemnity offering is underwritten by Irwell Insurance Company Limited, extending Ark's longstanding capacity relationship into an additional product range.
Brokers benefit from a defined target-market appetite, online availability for suitable cases, and the opportunity to speak directly with Ark's underwriting team where an individual presentation is appropriate.
Limits of up to £5 million may be considered for selected trades, subject to referral and underwriting acceptance.
Know the appetite. Know when to refer.
Refer for consideration
- Accountancy involving audit, insolvency, M&A, executorships or directorships.
- Valuation and lending surveys, land surveying, setting out and certain auctioneering work.
- Specialist engineering, foundations, cladding, high-rise buildings and higher-hazard structures.
- Design and construction involving fire safety, demolition, swimming pools and other identified specialist exposures.
- Any USA or Canada fee income, claims or known circumstances.
- Trades not appearing on the standard list, or risks exceeding normal turnover parameters.
Outside the stated appetite
The Ark PI broker guide identifies the following as declined occupations or categories:
- Solicitors
- Chartered accountants
- RICS members
The examples in this section are a summary of underwriting appetite rather than an exhaustive list of all criteria.
For anything unusual, speak to Ark before presenting terms to your client.
More professions.ARK PROFESSIONAL INDEMNITY / PRODUCT LAUNCH
More opportunities.
Real underwriting support.
Have a Professional Indemnity risk to place?
Whether you want to explore the new product, submit a referral or arrange an Ark agency, our team is ready to help.
Existing Ark brokers can access the product through the PI tab in the broker portal.
This article is intended for insurance brokers and provides a general overview of Ark's Professional Indemnity offering. All quotations, terms and cover are subject to underwriting criteria, policy wording, exclusions, conditions, endorsements and acceptance. The minimum premium is from £165 plus Insurance Premium Tax and a £30 policy fee. The applicable excess starts from £500 and may vary by risk. Higher limits and turnover parameters may require referral. Underwritten by Irwell Insurance Company Limited. Product details reflect the Ark PI broker guide at the date of publication, 2 November 2026. Brokers should confirm current terms and eligibility with Ark's underwriting team. Ark Insurance Group Limited is authorised and regulated by the Financial Conduct Authority (FRN 706598). Contact Ark Insurance Group .