Why run-off insurance is important for Will Writers


As a will writer, you are likely aware of the importance of professional indemnity insurance (PII) to protect yourself against claims of negligence or errors and omissions in your work. However, what you may not know is that run-off insurance is also essential to ensure you are protected even after you retire or cease trading.

What is run-off insurance?

Run-off insurance, also known as “extended reporting period” insurance, provides cover for claims that may arise after a professional has retired or ceased trading. This insurance cover is essential for professionals who may face claims relating to work they completed before their retirement or end of trading.

Why is run-off insurance important for will writers?

As a will writer, you may assume that once you retire or cease trading, you are no longer at risk of claims relating to your professional work. However, this is not the case. Claims can arise years after the work was completed, and if you do not have run-off insurance in place, you could be liable for the costs of defending against these claims.

For example, if a will you wrote is found to be invalid due to errors or omissions, the beneficiaries or family members affected may file a claim against you, even if you have retired or ceased trading. Without run-off insurance, you would be responsible for the costs of defending against this claim, which can be significant.

In addition to the potential financial costs, a claim can also damage your reputation and cause stress and anxiety. Run-off insurance can provide peace of mind that you are protected against claims relating to your past work, allowing you to retire or cease trading with confidence and peace of mind.

How long do I need run-off insurance for?

The length of time that you need run-off insurance will depend on your individual circumstances. Many professional bodies require members to have run-off insurance for a minimum of six years after they retire or cease trading. However, this may vary depending on factors such as the type of work you completed and the likelihood of claims arising in your field.

Run-off insurance from Marsh Commercial

As the official insurance partner of the Society of Will Writers, we can work with you to arrange run-off insurance for the required period of time. As with any insurance, you are required to pay a premium for the policy. Generally after the first full year of run-off insurance premiums, the cost should start to reduce each following year (subject to market rates and claims).

If you have any queries or would like to speak to a member of the Marsh Commercial team about a new or existing policy, please call 0330 818 7624, or email [email protected].


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Society of Will Writers is an Introducer Appointed Representative of Marsh Ltd and Marsh Commercial is a trading name of Marsh Ltd. Marsh Ltd is authorised and regulated by the Financial Conduct Authority for General Insurance Distribution and Credit Broking (Firm Reference No. 307511). Copyright © 2023 Marsh Ltd. Registered in England and Wales Number: 1507274, Registered office: 1 Tower Place West, Tower Place, London EC3R 5BU. All rights reserved.

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  • David Gee

    5th May 2023 at 5:40 pm

    Hi, I was under the impression that provided we insured with the societies, recommended PI provider Marsh than run-off cover was included free of charge once you have traded in excess of three years?


    • Graham green

      20th July 2023 at 3:49 pm

      Hi David did you get a answer to this, ie covered for run off after 3 years


      • Sam Smith

        15th August 2023 at 8:58 am

        Hi Graham & David,

        I hope you are both well,

        With any insurance related questions it would be best to contact Marsh directly,

        If you need any help finding there details please do let me know [email protected]

        Kind Regards


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About The Society of Will Writers

The Society of Will Writers is a non-profit making self-regulatory organisation whose primary objectives are the advancement, education and ethical standards within the will writing profession.

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