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Professional Indemnity Insurance: exclusively for AAT Members

Introduced by Parliament Hill

As the partnered broker to the AAT for many years, TRM offers tailored policies specific to the needs and requirements of AAT members.

The AAT's Chosen Professional Indemnity Insurance Broker

Trafalgar Risk Management Ltd is proud to be the official broker partnered with the Association of Accounting Technicians (AAT). This exclusive partnership means we understand the unique needs and professional responsibilities of AAT members, and we've designed our services specifically with those requirements in mind.

When you choose to purchase your Professional Indemnity Insurance (PII) policy through Trafalgar Risk Management, you benefit from:

Tailored Cover

Our policies are fully aligned with AAT's regulatory requirements, ensuring you meet your professional obligations without hassle.

Competitive Pricing

As the AAT's selected broker, we leverage our position to offer cost-effective premiums without compromising on coverage quality.

Expert Support

Our team specialises in serving accountants and bookkeepers, offering responsive service when you need it.

Proven Reliability

With a strong track record in the industry, we work with trusted insurers to provide policies you can rely on when it matters most.

Choosing Trafalgar Risk Management Ltd means choosing peace of mind, knowing you are backed by experts who understand your profession and are committed to your success.

Our policy meets with AAT Requirements

  • Indemnity provided on an Any One Claim basis (see Schedule of Cover).
  • Full retroactive cover (shown on Schedule of Cover).
  • Full civil liability cover (see Policy Wording - Insuring Clause 1.1.i).
  • Automatic minimum limit of indemnity.
  • Optional cover for Limited Assurance Engagement.
  • Low turnover policy rate.

For more details on the above, please check out the Summary of Cover document.

Minimum level of cover required*

  • Sole traders: the greater of either 2.5 times the firm's gross fee income or £50,000.
  • Partnerships: the greater of 2.5 times the firm's gross fee income or £100,000.
  • Limited companies: the greater of 2.5 times the firm's gross fee income or £100,000.

If your firm's gross fee income is greater than £400,000 the maximum level of cover required is £1,000,000.

You must set the self-insured excess at an amount you're able to meet at all times.

* As taken from the AAT website directly in regards to the AAT's requirements (01/06/2025)

Protect Your Business, Your Way

As an AAT member, you can do more than just meet the minimum - you can customise your cover to fit your business perfectly.

At Trafalgar Risk Management Ltd, we offer a range of optional add-on insurances designed to complement your Professional Indemnity Insurance and give you complete peace of mind. Whether you're a sole trader or running a growing practice, we've got the extras you need to stay fully protected.

Additional cover options available:

  • Public Liability Insurance (£1,000,000 / £2,000,000 / £5,000,000 limits available)
  • Employers Liability Insurance* (£10,000,000 limit available)
  • Legal Expenses Insurance (Including 'Contract & Debt / Excluding Contract & Debt limits available)
  • Cyber Insurance (£100,000 / £250,000 / £500,000 limits available)
  • Office Contents, Office Computer Equipment, Portable Equipment Insurance (up to £20,000 combined limit available).

Let us build a policy around you - tailored, flexible, and fully compliant.

Protect what matters most with Trafalgar Risk Management Ltd.

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Our aim is to make the buying or renewing of your insurances as streamlined as possible.

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