Professional indemnity insurance (PII) cover is to pay the legal costs and compensation arising from any negligence claims made by clients against you.

Payment protection insurance (PPI), also known as credit insurance, credit protection insurance, loan repayment insurance, is an insurance product that enables consumers to insure repayment of loans if the borrower dies, becomes ill or disabled, loses a job, or faces other circumstances that may prevent them from earning income to service the debt.

You should take PII policy.