Professional Indemnity
Your Expertise Is Your Business. Protect It Against Professional Liability.
Professional indemnity responds to claims arising from professional error, omission or negligence causing financial loss to a client.
Overview
Professional Indemnity Insurance
You are paid because clients trust your knowledge, advice, design, judgement, treatment or professional expertise.
Even with the highest standards, an error, an omission, a missed detail or an allegation of negligence can lead to a claim for financial loss.
Professional Indemnity Insurance is designed around that specific exposure — the liability that arises from professional services, not from property or physical assets.
Our Approach
We compare. We explain. We recommend. You decide.
- Understand your requirement
- Shortlist up to 3 suitable options
- Compare coverage and conditions
- Receive a clear recommendation
Who Uses Professional Indemnity?
Profession-Specific Exposure
Each profession carries a different pattern of risk. We structure cover around the actual services delivered.
01 — Doctors & Medical Professionals
Allegations relating to treatment, diagnosis, procedure or clinical judgement. Cover is structured around specialty, procedures performed and practice setup.
02 — Chartered Accountants & Audit Firms
Allegations relating to audit, certification, advisory, compliance or reporting. Cover is structured around service lines and client profile.
03 — Architects
Allegations relating to design, drawings, specifications and project supervision. Cover is structured around project types and value.
04 — Engineers
Civil, structural and consulting engineers face allegations relating to design, calculations, certification and site advice.
05 — IT & Software Companies
Allegations relating to software failure, delivery, integration, performance or professional advice provided to clients.
06 — Lawyers
Allegations relating to advice, drafting, filing timelines and professional representation.
07 — Consultants
Management, financial and technical consultants face allegations relating to recommendations that caused client financial loss.
08 — Interior Designers
Allegations relating to design, specification, execution supervision and delivery commitments.
09 — Surveyors, Valuers & Other Specialists
Allegations relating to valuation, survey findings, certification and specialist reporting.
Professional Indemnity vs Other Business Insurance
| Insurance | Primary Purpose |
|---|---|
| Professional Indemnity | Professional liability arising from services, advice and expertise |
| Property / Office Insurance | Physical property and business assets |
| Cyber Insurance | Cyber-related risks and data incidents |
| Public Liability | Third-party injury or property damage |
Is Professional Indemnity Mandatory?
It is not automatically mandatory for every profession. However, particular contracts, clients, tenders, professional arrangements or regulatory and industry requirements may require it. We help you read the requirement correctly before you commit.
Your Three Shortlisted Options
Instead of overwhelming you with dozens of policies, we shortlist up to three suitable options and explain how they differ.
Best Overall Fit
The option that appears to match your requirement most closely on coverage, conditions and long-term suitability.
Value-Focused Option
A balanced option where the premium and the coverage offered work well together for your requirement.
Alternative Option
A different structure, insurer or coverage combination worth considering before you decide.
The Policy360 Process
A Smarter Way to Choose Insurance
A structured, seven-step advisory process that ends with your informed decision.
01
Understand
We understand your requirement, profile and risks.
02
Assess
We assess coverage requirements and priorities.
03
Shortlist
We shortlist up to 3 suitable options.
04
Compare
We compare coverage, limits, conditions and premium.
05
Explain
We explain strengths, limitations and exclusions.
06
Recommend
We identify the option that fits best.
07
Decide
The final decision always remains yours.
FAQ
Frequently Asked Questions
Enquire About Professional Indemnity Insurance
Tell us what you need and our team will get back to you with suitable guidance and up to 3 comparable options.