Coverage to professionals against any probable claims arising due to their mistakes or errors
A professional indemnity policy is designed to offer protection to professional people against potential claims for injury or loss resulting from their actions, advice or failure to carry out their professional duties. Examples are doctors prescribing wrong medicine to a patient, Lawyers advice leading a client to suffer losses, Engineers drawing faulty designs, etc.
Risks Covered
- Any legality involved due to bodily injury or death caused by professionals while offering their services
- Defense costs, its fees and other expenses
Exclusions
- Bankruptcy
- Damage with an intent to tarnish the image
- Infringement of trademarks, copyrights and patents
- Terrorism and war damage
- Abuse of substance like alcohol and drugs while offering services
- Fines and penalties
- Criminal activities
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