Professional Indemnity Insurance – Kasana Insurance Brokers
Professional Indemnity Insurance protects you and your business against claims arising from errors, omissions, negligence, or breaches of professional duty while providing professional services to clients.
If a client alleges that your advice or service caused them financial loss, this insurance helps cover legal defence costs, compensation payments, and investigation expenses, allowing you to protect both your reputation and finances.
Many professional bodies and contracts require Professional Indemnity Insurance as part of their compliance standards. Even when not legally mandatory, lacking adequate cover can expose your business to significant financial and legal risk.
When Can Professional Indemnity Claims Arise?
Claims can arise from everyday situations such as:
- Incorrect or misleading advice
- Errors in calculations or documentation
- Failure to meet deadlines
- Breach of professional duty
- Loss of important documents or data
- Unintentional defamation
- Misrepresentation or deceptive conduct
- Not meeting client expectations
Even small mistakes can result in costly claims.
What Is Typically Covered?
Depending on the policy selected, Professional Indemnity Insurance may cover:
- Claims for negligent or misleading advice
- Breach of professional duty
- Confidentiality and privacy breaches
- Defamation, libel, or slander
- Loss or damage to documents
- Intellectual property infringement
- Court-awarded compensation and damages
- Legal defence and investigation costs
- Disciplinary and regulatory proceedings
- Public relations costs (where applicable)
Certain policies may also extend to cover allied health professionals for claims involving bodily injury resulting from professional services.
What Is Typically Not Covered?
Professional Indemnity Insurance usually does not cover:
- Intentional wrongdoing or misconduct
- Fraud or dishonest acts
- Contractual liabilities
- Refund of professional fees
- Known claims or circumstances before policy commencement
- Property damage or bodily injury (covered under Public Liability Insurance)
How Much Cover Do You Need?
The right level of cover depends on your profession, risk exposure, and contractual obligations. When choosing cover, consider:
- The nature of your professional services
- The potential financial impact of a claim
- Legal or regulatory requirements in your industry
- Contractual obligations with clients
- The value and complexity of your work
As your business grows, it’s important to review and increase your cover regularly.
Why Choose Kasana Insurance Brokers?
At Kasana Insurance Brokers, we help professionals choose the right level of protection, ensuring your policy aligns with your business risks and industry requirements.
We work with leading insurers to provide tailored, competitive, and reliable Professional Indemnity solutions — backed by expert advice and claims support.
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