Cover for claims that your professional advice or service caused a loss.
Professional indemnity insurance covers the legal costs and damages if a client claims your professional advice, design or service caused them a financial loss. Consultants, clinics, law and engineering firms and agencies use it, and some UAE regulators and free zones require it. Compare the limit of indemnity, whether cover is claims-made, and the retroactive date.
The points that decide whether the cover is worth it.
The most the policy pays. Match it to the size of your contracts.
Whether past work is covered. Earlier dates cover more history.
Cover depends on the policy being live when the claim is made.
Known issues and deliberate acts are excluded. Disclose fully.
Anyone giving professional advice or services where a mistake could cost a client money: consultants, engineers, architects, clinics, lawyers, agencies and brokers. Some free zones and regulators require it for a licence.
Professional indemnity is usually claims-made, meaning it pays only if the policy is active when the claim is made, not when the work was done. Letting it lapse can leave past work uncovered, so the retroactive date matters.
No. Public liability covers physical injury or property damage to third parties. Professional indemnity covers financial loss caused by your professional advice or service. Many businesses need both.
With claims-made cover, the retroactive date decides how much history is protected.
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