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Professional Indemnity Insurance

Professional Indemnity Insurance is a solution for service providers to transfer the risk of being sued for a mistake that they might make. Traditionally professionals like Architects, Engineers, Accountants, Doctors, and Lawyers, often purchase Professional Indemnity policies. Normally the victim would have to establish negligence on the part of the service provider in order to succeed in a claim.

What it covers

Unlike other general liability policies, Professional Indemnity policy normally provides indemnity to the Insured against financial losses only arising from the provision of professional services. Indemnity for defense costs and expenses is also provided.

However, in certain circumstances the policy will cover losses arising from Bodily Injury and Property Damage. For instance the Engineers’ Professional Indemnity Policy will only respond to claims arising from Bodily Injury or Property Damage as a result of negligence on the Engineers part in discharging their Professional Services.

This policy is meant for professionals to cover liability falling on them as a result of errors and omissions committed by them whilst rendering professional service. The policy offers a benefit of retroactive period on continuous renewal of policy whereby claims reported in subsequent renewal but pertaining to earlier period after first inception of the policy, also become payable.


Particulars of cover and exclusions given above are not complete or exhaustive. For more details please call us on 0112 428 428 or visit one of our nearest branches.

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