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PII. Reimagined.

We're here to equip financial advisers & planners with smarter and more supportive PII, so they can deliver better financial outcomes for their clients.

An easy application and renewal processOur fully digital offering is purposefully designed to make managing your PI Insurance a whole lot easier:
Digital Application Process

Digital Application Process

Seamless & paperless and designed for your ease

Collaborate with Colleagues

Collaborate with Colleagues

Work with colleagues to complete your application

Dynamic & Tailored Question Sets

Dynamic & Tailored Question Sets

We ask you the right questions relevant to your firm

Intuitive & Simple Renewals

Intuitive & Simple Renewals

Your data is safely stored to simplify next year’s renewal

Flexible Payment Options

Flexible Payment Options

Choose to pay in a single upfront or in 3, 6 or 10 month instalments

Dedicated Online Portal

Dedicated Online Portal

Access your policy, notify us of any changes or circumstances online

We've Revolutionised RatingsWe do things differently at BareRock. Our entirely new digital application process allows us to understand businesses better through enhanced data. Because of this, we’ve been able to flip the legacy rating model on its head.Our revolutionary and dynamic rating model places more emphasis on your company’s culture & conduct and less on market averages, meaning your premium more closely reflects your firm’s individual qualities.
We understand that you want to know your PI Insurance takes into account the information you have supplied and that you are not being treated in a ‘one size fits all’ way!
Your Policy Wording We’ve been in the industry for over 30 years each.We’ve seen and experienced first hand some of the difficulties Financial Advisers have encountered when their PI Insurance policy has been difficult to navigate or hasn’t kept up to pace with the scenarios Financial Advisers are encountering. That’s why we’ve worked relentlessly in partnership with our insurance partner and our legal experts to create an entirely new PI insurance policy wording that’s optimised for the well-run financial advice firms operating today.
Policy Wording
How it’s different
Streamlined wording that’s easier to understand
Documentation that’s easier to navigate
Supports the FCA DISP 1.5.1R ‘3 day rule’, so you can maintain your high levels of customer service
Our policy has been designed to safeguard firms so they can deliver good outcomes for their clients
BareRock is an underwriting agencyand the co-manufacturer of the BareRock professional indemnity policyThe benefit of this direct relationship is that you engage directly with us as the agent of the insurer, rather than going through an intermediary. We can advise you on the suitability of our product for your company’s needs, we also have the authority to underwrite your new policies and to proactively support you through any claims that may arise.
Flexible payment terms for greater choiceChoose to pay in a single upfront payment or spread the cost over 3, 6 or 10 month instalments with one of the country’s largest payment processors.
Digital efficiency with a human touchWe leverage technology and data to gain deeper insights into your business, yet every decision is guided by human judgement and expertise.
Transparent fees that can save on IPTUnlike brokers, we don’t charge a hidden commission. We charge a transparent fee that, as opposed to commission, does not incur Insurance Premium Tax (IPT).
See a like-for-like example, to help you compare:
Legacy approachBareRock's approach
Total paid£22,400£21,800
£600 saving

Figures used in this example are for illustrative purposes only

Our approach to underwritingA core part of the BareRock approach is to ensure our underwriting criteria are sufficiently robust so we can exclusively provide cover for the firms who can demonstrate their dedication to risk mitigation processes. This approach isn’t only important for us, to make sure we have a sustainable and stable loss ratio, but it also protects our clients from rates having to increase across the board due to the ‘contagion’ from those who don’t take risk mitigation seriously.This is why BareRock’s underwriting focuses on your firm’s individual qualities rather than market risk, giving you fairer & more stable PII rates. If you’re insured via BareRock, you can rest assured that you’re safeguarded alongside other like-minded companies.
James Adley

Head of Underwriting - James Adley

We’ve recognised there are many well-run firms out there who are committed to doing all the right things. Our new approach to underwriting at BareRock allows us to identify this & tailor premiums to every firm

James Adley, Head of Underwriting

Good Companies, in Good Company®

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Good companies, in good company®
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InsuranceBareRock ClubClaimsRisk Management

BareRock Limited is an appointed representative of IFAPROSURE Limited which is authorised and regulated by the Financial Conduct Authority. Our registered address is: 22 Awford House, 43-45 Rectory Grove, Leigh-On-Sea, England, SS9 2HA. Our company is registered in England and Wales No: 12667957.
BareRock Limited is entered on the Financial Services register under reference 950684

BareRock Claims Limited is registered in England and Wales with registration number 12668418.
Our registered address is: 22 Awford House, 43-45 Rectory Grove, Leigh-On-Sea, England, SS9 2HA.
BareRock Risk Management Limited is registered in England and Wales with registration number 12667968.
Our registered address is: 22 Awford House, 43-45 Rectory Grove, Leigh-On-Sea, England, SS9 2HA.
BareRock Claims Limited and BareRock Risk Management Limited are not regulated by the Financial Conduct Authority, They are both subsidiary firms of BareRock Holdings Limited so are part of the same group of companies as BareRock Limited.
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit