We are Parliament Hill Limited, and we manage a benefit scheme which offers Professional Indemnity Insurance to BIID members. That policy has been arranged in conjunction with Trafalgar Risk Management to cover the general expected duties under taken by BIID members arising from their professional business as an interior designer.

In these times of high consumer awareness, clients will not hesitate to pursue a claim if they feel that they have received sub-standard service. This cover offers members protection for negligent advice or breach of professional duty– and in some instances this can be a stipulation from the client.

Trafalgar Risk Management says, “Our scheme for members of the British Institute of Interior Design has been designed to ensure we provide the cover at premiums specially agreed with Insurers. Combining this with our unique, streamlined purchasing facility, we feel we have made the buying of insurance as cost-effective, simple and easy as possible - the process from start to finish can take less than 5 minutes!”

Trafalgar Risk Management says, “Working as a freelancer or a consultant, our Professional Indemnity and Public Liability policies should be of real interest to you, but, as each individual risk can vary, we strongly suggest you read the policy terms and conditions before buying cover.”

Trafalgar Risk Management says, “We use single source underwriting for each specific section. That is to say we do not obtain quotes on each individual enquiry, but have in place pre-arranged premiums and cover specifically brokered with one insurer. We then continue to monitor the competitiveness of our underwriter during the year and any adjustments, or change of underwriter will occur at the end of our scheme policy period”.

In addition to the bespoke rating and buying process, the scheme is backed by a National Price Promise – if you can find the same cover for less within 14 days, Trafalgar Risk Management will try their best to match the price and Parliament Hill Ltd will give you a cheque for £25!*’

BIID members are free to choose their own provider for Professional Indemnity Insurance, however this scheme offers:

  1. Highly competitive rates, backed by a price promise.
  2. Cover in a few moments (subject to acceptance) – get a quote in under 3 minutes
  3. Options for Employers & Public Liability (only available in conjunction with Professional Indemnity)
  4. Full policy wording & summary located online (Print your own policy document)

Cover is subject to final acceptance by the underwriters.

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*Terms and conditions apply. See website for full details. Price promise - a written quotation must be supplied by way of proof. This quotation must be on a like-for-like basis. It must be presented either before purchase or within 14 days of purchase. This benefit is made available through Parliament Hill Ltd. Parliament Hill Limited is authorised and regulated by the Financial Conduct Authority (FCA) for non-investment insurance mediation only, under registration number 308448. Trafalgar Risk Management Limited is authorised and regulated by the FCA for non-investment insurance mediation only, under registration number 311662. Both these details can be checked by visiting the FCA’s web site at A fee of up to £60 is built into the premiums charged. We regret Trafalgar Risk Management are unable to offer cover to non-UK domiciled members at this time due to insurance taxation trading issues. Subject to change; details correct at time of issue.

The territorial limits of the policy read as follows.

“The indemnity provided under this Policy is in respect of the conduct of the Professional Business by the Insured and Claims made worldwide, except in the United States of America (including its territories and/or possessions and/or any state of political subdivision thereof), unless this Policy is specifically endorsed to the contrary. The Insurers shall not indemnify the Insured in respect of or in connection with any Claim made or pending within the United States of America (including its territories and / or possessions), or in respect of or in connection with any judgment, arbitration, award, settlement or payment which is delivered or made in that country, or in respect of or in connection with any order or judgment made to enforce such judgment, arbitration, award, settlement or payment.”

Neither Parliament Hill Ltd nor Trafalgar Risk Management (the insurance intermediary who arrange the insurance) are members of the same group.

Each member is unique and must make their own decision when deciding whether to purchase professional indemnity insurance from the scheme. This Promotion of the Professional Indemnity Insurance should not be taken as a recommendation, advice or endorsement of the insurance as being suitable for every specific member’s need.