The approach you take to finding cover is entirely up to you. The benefits of buying professional indemnity insurance direct is that the application process is fast, simple and easy to understand. The downside is that some people don't fully understand the ins and outs of this type of insurance policy and end up with an inadequate level of cover. Buying coverage through an insurance broker ensures you have access to expert advice that is tailored to your professional situation, so consider your decision carefully when taking out cover.