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Professional Indemnity Cover

Protect your advisory business or practice against claims of negligence, errors, omissions, or breaches of duty.

Liability Shield

Guard Your Professional Reputation

If you provide advice, designs, calculations, or professional services (such as legal advice, audit reports, engineering drawings, or medical diagnostics), you can be held legally liable if your client suffers financial losses due to your errors or omissions. Professional Indemnity (PI) insurance protects your assets by covering defense bills and court-ordered damages.

Target Sectors & Tailored Covers

Medical Professionals

Protects doctors, surgeons, dentists, and clinics (Medical Malpractice) against negligence lawsuits following patient treatment or diagnostics.

Legal & Financial Advisors

Protects lawyers, advocates, accountants, tax consultants, and financial planners against client lawsuits following administrative or accounting errors.

Engineers & Architects

Protects structural engineers, quantity surveyors, and project managers against claims arising from design defects or structural failures.

IT & Business Consultants

Covers software developers, project managers, and digital marketers against losses arising from project delays or data loss.

What is Covered?

  • Legal Defense Costs: Attorney fees, expert witness costs, court fees, and investigation expenses (regardless of whether the lawsuit is groundless).
  • Damages and Settlements: Out-of-court settlements or judicial compensation awards that you are ordered to pay.
  • Loss of Documents: Costs of replacing or restoring damaged client folders, project drafts, or computer records.

PI Quote Request

Tell us about your profession to get comparison rates.

Quotes compiled from Kenya's leading liability insurers.

FAQs

Professional Indemnity FAQs

Answers to differences from general liability, claims triggers, and dates.

Public Liability only covers bodily injury or physical property damage (e.g. a client falls at your office). It explicitly excludes financial losses arising from your services, advisory advice, or designs. If a client sues you because your auditing error caused them a KES 2,000,000 KRA tax fine, only a Professional Indemnity policy will cover it.

PI policies operate on a "claims-made" basis. This means the policy in force at the time the claim is officially made/lodged against you is the one that covers it, rather than the policy in force when the actual error happened. It is crucial to maintain continuous renewal of your cover to avoid any protection gaps.

A retroactive date is the date from which your insurer agrees to cover errors (e.g., if you bought a policy in 2024 and renewed it, the retroactive date remains 2024). The policy covers you for claims filed today, even if the mistake occurred in 2025, because it happened after the retroactive date. Mistakes made before the retroactive date are excluded.